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and 3 tips for you!
Yuh was born out of two very well-known Swiss financial institutions and aims to combine 3 things in one app: Pay, Save and Investment.
What emerged from the collaboration of Swissquote and Postfinance you will find out in this Yuh test. How the Yuh fees compare, where you are better off using other providers, and how our Yuh App Experience in detail, you will read in the next 5 minutes.
So that you can have positive yuh experiences yourself, there are 3 Tipsto get more out of the app!
Action: Get trading credits of CHF 50 for free with our code!
In addition, with our Yuh Promo Code even 250 Yuh Swissqoin automatically credited if you have invested more than CHF 500!
With the Yuh app, you can conveniently and with a single provider manage your Savings and Investment account receive, in the Pillar 3a provide for and even Payments make. Since the integrated pillar 3a was added to the 2023 pension plan, banking, investments and pension provision are offered in full at Yuh.
Regular updates and new features (such as Savings plans from CHF 25 or the Yuh Pillar 3a) are launched and the app is continuously optimised. Those who had their first Yuh experiences at the launch now benefit from significantly more functions within the app.
The Yuh fees are flat or at least very simple and straightforward. The transparency of the costs, as well as the design, appeal specifically to young customers.
The conclusion of our short version: Yuh.com makes it easy to get started with investments in shares, ETFs or cryptocurrencies. Savings goals can be set up quickly and the banking offer is attractive. If you have a growing or larger portfolio, you are more likely to switch to other providers in the long term due to the fees (perhaps Swissquote itself) change.
Nevertheless, the app can be a supplement thanks to Yuh ETF savings plans or quick access to cryptocurrencies. Our Yuh review is therefore consistently positive.
All details and explanations following!
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
If only it were that simple! No custody fees, no account management fees and no fees on payments within Switzerland. That's how the yuh fees are advertised.
You probably remember that the Swiss Investment App was not launched by Caritas. So let's take a closer look at Yuh costs and identify typical fees:
Our conclusion on yuh fees: They are uncomplicated and fair for the offer (savings plans etc.). However, you should avoid regular purchases of less than CHF 500, as otherwise the costs are too high in percentage terms. If you make a savings plan, choose a savings instalment of CHF 1,000 or more if possible. Then you are travelling cheaply. If this is too much, you can, for example, only make a purchase every quarter instead of every month.
Your key to success! Discover our top recommendations from real testimonials.
The Yuh app has a simple structure. When next to "Pay" and "Save" there is also a tab for Yuh Investments. Here you can choose between a one-time investment or a so-called "recurring investment", i.e. a savings plan.
A yuh Savings plan is possible from CHF 25 and can be triggered either weekly or monthly. Perfect, then, for not having to worry about whether now is the "right time". There is no such thing, and with a savings plan you can spread your timing risk perfectly. ETF savings plans are very popular, unfortunately still rarely available in Switzerland and therefore a great advantage in the Postfinance and Swissquote trading app!
2022 were recorded at Yuh Fractional Shares launched. What is behind the technical term? Let's say you want to buy Lindt and Sprüngli shares. Only 1 of these shares costs about as much as a sports car. Does that make sense for a beginner? Probably not, because then it would be "all eggs in one basket".
When you buy shares or other securities at Yuh, you can either buy a "number" in units or buy a "value in CHF".
So instead of buying 1 Lindt share for about CHF 110'000, you switch to the tab "Value in CHF" and buy for example 50 shares for CHF. This fraction of the share is called a "fractional share" and Yuh Bank takes over the denomination for you.
Yuh Themes or trend themes are ETFs or baskets of shares on a specific topic. For example, you can invest in the topic of eMobility or Blockchain. Investments in theme funds sound exciting and are popular in marketing departments, but you should take them with a grain of salt. My personal experience coincides with the statement of this Fintool videoswhich I would be happy to recommend to you if you are interested.
"Intelligent people learn from the mistakes of others".
We have compiled our top selection for you from all our tests and experience reports:
Since August 2023, the Yuh 3a Solution ready:
When you work with Yuh cryptocurrencies If you want to buy cryptocurrencies, you can choose from a constantly growing pool (currently about 30 different coins). So you can find all common cryptocurrencies like Bitcoin, Ethereum, Cardano, etc.
By the way, according to the support, the crypto investments are not executed via derivatives. But via Swissquote will be available at Bitstamp & Coinbase real cryptocurrencies purchased and subsequently safely on Cold Wallets (offline storage) secured.
In your yuh Wallet your crypto investments are clearly listed.
The in-house Swissqoin represents a token of its own, which will be used to the community in the Yuh Refer a Friend program. If you want to use our Yuh Code "YUHFRANKE", you will receive trading credits of CHF 50 as a gift and if you invest more than CHF 500, you will automatically receive 250 Swissqoin as a gift!
You can then exchange the Swissqoin for another currency or hold it. The Swissqoin price should rise in the long term through re-investments by the company.
Investing is fun with attractively designed trading apps, but at some point the time comes for the Taxes. At the latest then one or the other thinks about why one has so casually executed countless trades on the couch.
With some providers, this would be madness when it comes to tax returns. Fortunately there are a free Yuh tax statementwhich you can use for your tax return.
Yuh Code "YUHFRANKE", you will get Trading credits in the amount of CHF 50 and if you invest more than CHF 500, you will automatically receive another 250 Swissqoin gift!
This Yuh test already running since day 1 of publication. Since then, many new functions have been added, the app has reliable works and also the Yuh experiences from readers were extremely positive.
The transparent Yuh fees make it easy for users to see where costs and fees apply. Thanks to our tips, you can test Yuh and not only save on fees, but also Swissqoins as a gift via the Refer a Friend programme. Overall, the offer at Yuh Gebühren is extremely good value compared to similar providers.
What other feature would be particularly important to you in the Swiss investment app?
Another exciting discussion would be whether to use Yuh Postfinance or Swissquote lose customers?
Feel free to share your take in the comments.
Internationally in use, Revolut vs Yuh would probably be cheaper. For customers from Switzerland with main expenses in Swiss francs, will be Yuh probably more attractive be
There is no clear winner in the Yuh vs Revolut duel. Both providers have no deposit fees and offer free cards. Yuh offers a free cash withdrawal every week, while Revolut provides a flat rate worldwide.
With our code (not otherwise), Neon also gives you a free card. Both Swiss fintechs offer free cash withdrawals. For transfers abroad, Neon is much cheaper. In return, Yuh convinces with investment accounts. Both providers have savings targets since Neon Spaces.
In the fee comparison with Kaspar&, equivalent products must be compared. ETFs are partly cheaper with Kaspar&. On the other hand, Kaspar& shares are somewhat more expensive, as the fees vary from 0.57% - 0.85%.
Both providers are inexpensive and have a slightly different focus. Which one suits you better?
56 Responses
Hello everybody
It says that if you have a growing or larger portfolio, it is better to switch directly to Swissquot, for example. my question now is how do you define large? What amount are we talking about here? 10,000 or 100,000? You also say that it is better to buy in larger amounts, but not so often, from 500 and more because of the fees, which I find a lot as an inexperienced person in this area. Are there any things to bear in mind when investing so much money where?
Hello Maurice
There is definitely a lot to consider. It is therefore essential that you "invest" some time in your financial education before you invest large sums of money. Here you will find a first guide, or feel free to come to the next FinanceTimetable Course.
I would be interested to know which banking apps can be used on two or more smartphones at the same time.
I have installed Yuh on Android and iOS and use it.
What I would still like to see with Yuh is an analysis tool like Wise, for example. This would allow you to clearly see what you've spent your money on. Otherwise I am extremely satisfied with Yuh!
I have been using yuh for 2 months and also have the yuh twint app.
It works perfectly
So nothing with us app 😊
Hello Eric
I can only agree with you, so far Yuh is running really well! Thank you for your assessment.
My question:
Where can I find the new 3a at yuh?
Hi Michaeal
You can find the new Yuh 3a solution directly in the Yuh app. If you don't see it: Update your app in the Appstore, then you should see the Yuh Pillar 3a 🙂
I thought I had the latest version 🤷🏽♂️
Thanks for the tip, it's finally here 😊
I have the same question. I can't find this option, even though I have the latest app version. Under which point should this be displayed? Also, when I opened the account with your code, I "only" received 250 coins - this is just for your information.
did you enter the code from above?
There should be a button for "Save" at the top left (like on the right for graphics). The button only appears if you are under 65 ;-). It was only there for me for a short time and is no longer there now that I'm over 65.
What about investments over a longer period, e.g. 10 years?
Should Yuh no longer exist in this form, what will happen to the investments?
Normal Deposits Fuse?
Do I own cryptos shares etc. effectively or is it like Revolut and I have no possibility to push the cryptos e.g. also on a hardware wallet....
Hello Stef
this has nothing to do with yuh, but I'm happy to clarify briefly:
Securities (shares, ETFs, etc.) never become part of the insolvency estate, they always belong to you. So you have nothing to fear here.
Account deposits (cash) are subject to deposit protection.Yuh have deposit protection up to CHF 100,000.
Good day,
I have a question about the sale of shares. Are there any additional fees, i.e. a brokerage fee? And how high would this be?
Thanks for the info and have a nice day.
Hello Yannick, order fees are also due when selling. You can see the fees incurred clearly before you execute the order.
Hi, Eric,
Thanks for the quick reply, how much would these be approximately? Also 0.5%?
Kind regards
Maybe you can still use Swissqoins if you used the credit code above?
It's best to check in the app: Call up the security, select Sale and check the charges there 🙂
Use Twint with Yuh. To do this, download the UBS Twint app, register and enter the IBAN of your Yuh Mastercard.
Unfortunately, this is not possible!
TheYuh Debit Mastercard does not work in the UBS Twint app because no debit cards are accepted.
Greetings Ernst
Hello Ernst
Please try again. When combined with Neon, the debit card also works in the UBS App
Yuh now has its own Twint app :-), so you no longer need to use the UBS Twint app. An alternative is also the prepaid app from Twint!
Thanks for the tip!
When I read all the bad reviews on the Yuh app, it almost makes me sick and I wonder if you have really put this app through its paces yourself. Is your big Yuh experience report really about "great experiences" or just about generating as many Swisscoins as possible for you when someone opens an account based on this experience report?
Hello Rene,
Based on your somewhat negative attitude, I assume that you have already had bad experiences elsewhere. You have read my honest and personal experience. There are other positive experiences here in the comments as well.
In the end, experiences are always individual. In the end, you will have to test Yuh yourself to get the final answer for you personally.
Best regards 🙂
I am new to YUH: The question has arisen for me as to which ETF I should currently save with around CHF 300 per month for the lowest possible fees and high diversification? There are, for example, several Global Blue Chips ETFs.
Hello Dominic
Do you want to start with just one ETF? Or do you want to create a real strategy directly? Here is a ETF Guide for Beginners.
Preferably with only one or two ETFs in Yuh. Aim for a lot of diversification and low fees. What would be your tips?
Hi Dominic, it is difficult to map a sensible investment strategy with just 1 or 2 ETFs. A Broker like Swissquote offers a much broader choice and should therefore definitely be considered for a sensible investment strategy.
The broadest possible diversification with only one ETF would probably be possible with an All World ETF (e.g. the Vanguard All World). A smaller diversification could be achieved with shares from emerging markets or a focus on Swiss shares (e.g. with the SPI - Swiss Performance Index).
However, with a significant investment amount, a "clean" construction of your portfolio is very worthwhile, as not only the return but also the risk can be optimised. At Wealth Letter regularly provides free tips on this topic.
I would also be interested. I would prefer 1 or 2 ETFs?
One question, can you register full shares with Yuh? E.g. the Lindt share. If you have 1 full share do you get the case or not, because the share is managed by Yuh?
and is there a possibility to send or transfer shares or cryptos. e.g. from Yuh to Swissquote and vice versa?
lg
Hello Cyrill,
Both functions are not yet possible with Yuh. Unfortunately, registration in the share register is not yet possible, nor is the transfer of securities. Perhaps this will change in the future...? You can already do both with Swissquote. Kind regards!
No, to get the case you have to be registered in the Lindt share register. Registration is not possible with Yuh.
Hello
I am German and live in Switzerland. I have opened a YUH account. In about a year's time, I would like to deregister in Switzerland and emigrate to the Philippines. Can I still keep the YUH account active and make payments/transfers? Thanks for an answer. Greetings
Officially, probably not. Just try it or talk to the bank.
Dear greetings
Hello
One more question about security at Yuh. Are the investments also considered special assets and are they "protected" in the event of bankruptcy, or is the situation different because the investments are only managed on a fiduciary basis?
Kind regards
Beat
Hello Beat
Regular securities such as shares are considered special assets and are protected in the event of insolvency.
Best regards 🙂
Hello Eric
Also fractional shares?
Very good question! I had to research this - what I found: Fractional shares would then not be transferable to other custody accounts, but they are in the special assets and thus safe in the event of insolvency.
Addendum: There are various ways in which fractional shares can be implemented. Depending on the type of implementation, an issuer risk may arise here.
Hello
I am new to yuh.
Can anyone tell me where, how to find all 13 currencies?
Hello Beat. If you click on the corresponding currency symbol (e.g. Euro) under "Numbers", it will then list all the available currencies. Greetings.
Servus,
if I deposit € into the YUH account, do the euros remain or are they converted into CHF?
If they stop, what are the charges for this change
Greetings
Martl
Hello Marta
You can also start savings goals in other currencies such as euros and deposit in euros.
Do you have any information on this in the meantime? I would also be interested to know if I can transfer USD from my main bank to Yuh and have it stay there so that I can buy ETFs and/or cryptos in USD without exchange rate fees. After all, Yuh charges 0.95% in fees here.
The $ or euros remain as long as you have enough CHF in the "Pay" account for your expenses. If there is not enough CHF in the account, $ or euros will be taken from the account and changed (0.95%). As far as I know, the account with the highest balance is used. So if you want to leave the foreign currency, it is important that you always have enough CHF.
Alternatively, you can transfer your $ or Euros to "Savings", where it will always remain. If you then need the $ or euros, simply transfer them back.
Hello
Super great blog post, thank you!
Something else that might be worth mentioning is the negative interest rates for capital of CHF 100,000 or more. From this amount onwards, it makes sense to switch to Swissquote!
Kind regards
Ronny
Thanks for your input.
The negative interest rates only count on cash deposits. Very few users will place that much cash with Yuh and with the current interest rate turnaround, it won't be long before the negative interest rates are lifted.
Hello Eric,
One more information I would like to add. you cannot open an account with NEON and ZAK if you are not residing in Switzerland (if you are holding G type Visa or "Grenzgängerbewilligung". however you can do that with Yuh and Revolut.
your blog is quite informative. thank you.
Best regards
T
I bought on Saturday 17 o'clock in crypto course goes up nicely, unfortunately the transaction takes std in the time the course could gehn in the minus, ....and I have after 2 std still no possibility with profit rauszugehn.
Hi Peter, did you consider the official trading hours?
Hello Schwiizer Franke
Thank you for the interesting article. Since I am currently looking for a new custody provider with ETFs and have already researched quite a bit, I would have a few questions about the text.
Since there are no custody fees at Yuh, but at least for CHF investments only the percentage fees for deposits (0.5%), I wonder how one can come to 4% costs for a 500 CHF investment. Where do the additional costs come from?
Additionally, I don't quite understand why the size of the portfolio matters at Yuh if there are no fees for this. With Swissquote, I pay at least CHF 9 per ETF deposit plus at least CHF 5 per month in custody fees. Isn't it then the case that at a low portfolio level, investments at Swissquote are only worthwhile from CHF 2,800 per month compared to Yuh, and at a high portfolio level only at even higher amounts?
Hello Christian
You can calculate the 4% in the example: The ETF purchase over CHF 25 with CHF 1 fees results in a percentage of 4% fees on this purchase. The numbers you have taken are not from the example - please look at the screenshot again if you have any questions 🙂 This example should illustrate that small purchases are much more expensive in percentage terms than larger ones.
Hello Eric
Had written to yuh, they don't have a tax statement, but they do have a property statement. Is the tax statement now available? For larger positions, it would be good to know exactly. These are very different.
Hello Mia
According to my information, the tax statement does not yet exist. However, you can use the statement for the annual financial statement for the tax return in order to enter and document your positions.
Maybe something has changed here? If someone knows something, feel free to comment!
Thank you for the detailed article.
I just started using Yuh with 10k deposit, and after a few days I got this message:
"we need to ask you a few more questions. Unfortunately this step is mandatory, and we will be forced to block all payments if you do not answer the questions on the following screens within a month. Why do we need this now? This is a routine check triggered automatically, usually the first time that you receive or transfer large amounts of money. We are legally required to gather this information. We will treat it with utmost confidentiality."
The questions are quite personal (job, company name, etc). I never had this with the trading account of my bank, and I wonder why Yuh is legally required to ask these questions. Is this normal?
From what investment amount in the portfolio do you recommend switching to Swissquote?
Hello Loredana,
The switch is not mandatory, as the two platforms complement each other in some cases. For example, Swissquote does not (yet) offer savings plans.
Your question is a good one, but it is difficult to answer in a nutshell. It depends not only on how large a portfolio is, but also how often it is traded. Yuh has no custody fees, but Swissquote does.
I'll be happy to take your question and add some sample calculations to the post - feel free to check back in a few days!
Kind regards
Eric 🙂