Yuh

What Yuh does

Yuh is a Swiss mobile-first neobank operating as a wholly-owned subsidiary of Swissquote Group following Swissquote's July 2025 acquisition of PostFinance's remaining 50% stake. Founded in 2021 as a joint venture between Swissquote and PostFinance and headquartered in Gland, Switzerland, Yuh delivers an all-in-one finance app serving Swiss residents with a free Swiss IBAN account, free debit Mastercard, free TWINT/eBill/SEPA-EUR transfers, multi-currency support across 13 currencies, goal-based savings, fractional investing in stocks/ETFs/themes, cryptocurrency trading, and a digital Pillar 3a pension product with a 0.5% all-in fee. The app runs on Swissquote Bank Ltd's FINMA-authorized banking infrastructure, providing CHF 100,000 deposit protection, FinSA private-client protections, segregated digital-asset custody with multi-signature wallets, and AEOI/FATCA compliance.

The technology stack combines Swissquote's 25-year-old core banking and custody backbone with Yuh's consumer-facing mobile layer, biometric authentication, Yuh Key passcode, real-time push notifications, and an Ethereum-based Swissqoin loyalty token that rewards user activity from a profit-funded reserve. Proprietary features include fractional trading from CHF 10, recurring auto-investments (DCA), zero-fee ETF saving plans, a Yuhlia chatbot built on Enterprise Bot, and product extensions Yuh 14+ (teen account), Yuh&Me (joint account), Swissqoin, and YuhLearn educational content.

The business model is a freemium zero-fee core monetized through transaction-based take rates: 0.95% FX margin, 0.5% on stocks/ETFs/themes, 1% on crypto buy/sell, and 0.5% on Pillar 3a AUM. Distribution is product-led growth via self-serve in-app onboarding, reinforced by a referral program (500 Swissqoins per conversion), an affiliate program for Swiss finance creators, and influencer campaigns. As of March 2026 Yuh reports 424,000 customers and 19% Swiss neobank market share (second after Revolut's 53%), with ~190,000+ active users and a 4.7/5 app-store rating across 10,000+ reviews.

Name

Yuh

Legal name

Yuh Ltd

Website

https://yuh.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Yuh is a Swiss mobile-first neobank and wholly-owned Swissquote subsidiary offering an all-in-one finance app for Swiss residents, bundling free banking, multi-currency accounts, savings, investing, and Pillar 3a pensions into a single platform with 424,000 customers.

Ownership category

akta.pro rank

Product category

Neobanking / Digital Banking

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Securities and Commodity Exchanges (5232), Pension Funds (525110)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Direct Debit / ACH Collections & Recurring Billing (FSAMAGAE)

Keywords

• Digital banking
• Mobile finance app
• Neobank services
• Fractional investing
• Pillar 3a savings

Headquarters

HQ city

Gland

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Currency Exchange Fees: Yuh charges a 0.95% exchange fee on all currency conversions within the app, applied to the 13 supported currencies (CHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGD). This is Yuh's primary revenue driver for international transaction use cases.
2. Investment Transaction Fees: Trading fees of 0.5% on stocks, ETFs, and Themes (minimum 1 CHF), and 1% on cryptocurrency buy/sell transactions. Custody is free. ETF recurring buy orders have 0 trading fees.
3. Pillar 3a Management Fees: 0.5% all-in annual fee on invested Pillar 3a assets, covering custody, investment fees (TER), currency exchange, administration, unlimited strategy changes, deposits, withdrawals, and account management.
4. Card and ATM Fees: Free domestic ATM withdrawals (1 per week) on teen accounts; 4.90 CHF per foreign ATM withdrawal; 20 CHF replacement card fee for lost/stolen cards.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Yuh is a Swiss mobile-first all-in-one finance app that combines payment, savings, investing, and Pillar 3a retirement services under one roof. All banking and financial services are provided by FINMA-authorized Swissquote Bank Ltd, delivered entirely through a self-serve mobile app with no physical branches. The offering includes a free Swiss IBAN account, free debit Mastercard, TWINT, eBill, multi-currency support across 13 currencies, fractional trading of stocks/ETFs/crypto/themes, and a proprietary Swissqoin loyalty token on the Ethereum blockchain.

Product overview

Yuh is a single unified all-in-one Swiss finance app providing a comprehensive suite of financial services organized into five core modules: Pay (payment with free Mastercard, TWINT, eBill, and insurance), Save (goal-based savings with automatic transfers), Invest (stocks, ETFs, cryptocurrencies, and themes with fractional trading), Pillar 3a (Swiss retirement savings with investment strategies), plus supplementary products including Swissqoin loyalty token, Yuh&Me joint account, Yuh 14+ teen account, and YuhLearn educational content. The entire offering is delivered through Swissquote Bank Ltd, providing banking services under FINMA authorization, with all accounts benefiting from Swiss deposit protection up to CHF 100,000.

Differentiator

Problem solved

Functional benefit

Brands

• Yuh&Me: A free Swiss joint account for couples, flatmates and anyone sharing expenses. Features include shared Swiss IBAN, TWINT, eBill, free debit cards and shared savings projects.
• Yuh 14+
• Swissqoin
• Yuh 3a

Products and services

• Yuh Core Finance App Primary all-in-one Swiss finance app providing payment, savings, and investment services through a single mobile application, backed by Swissquote Bank Ltd.
• Pay Payment functionality including a free debit Mastercard, TWINT mobile payments, eBill invoicing, contactless payments, and free insurance (Pocket Insurance) for purchases made with the card.
• Save Savings feature enabling users to create savings projects with automatic recurring transfers, goal tracking, and progress notifications. Supports CHF, EUR, and USD currencies with interest accrual.
• Invest Investment platform allowing trading in shares, ETFs, digital assets/cryptocurrencies, and trending themes. Features fractional trading (from 10 CHF), recurring auto-investments, and ETF savings plans with 0 trading fees.
• Pillar 3a Digital Swiss pension (pillar 3a) solution with 0.5% all-in fee, offering five investment strategies (Mild, Tasty, Spicy, Hot, Fiery) with varying risk levels to maximize retirement savings.
• Swissqoin (SWQ) Proprietary Ethereum-based crypto token that serves as Yuh's loyalty reward program. Users earn Swissqoins through deposits, referrals, trades, and card payments, with tokens redeemable for cash or held for potential value appreciation.
• Yuh&Me (Joint Account) Free Swiss joint account for couples, flatmates, and anyone managing shared expenses. Includes shared Swiss IBAN, TWINT, eBill, free debit cards for both holders, and joint savings projects.
• Yuh 14+ (Teen Account) Free Swiss bank account for teenagers aged 14-17, featuring TWINT, free debit Mastercard, free weekly ATM withdrawals, no overdraft risk, and no exchange fees abroad with access to 13 currencies at interbank rates.

Quantifiable outcome

• Swiss neobanking market share: 19% (second largest after Revolut)
• +4 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability2 records

Feature6 records

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wise: Wise (formerly TransferWise) is a multi-currency account and money transfer fintech with 13+ million customers, offering low-cost FX, multi-currency holding, and an investment product — comparable to Yuh's multi-currency account and FX positioning for Swiss expats.
• N26: N26 is a major European neobank offering free current accounts, savings, investments, and crypto via mobile app, with similar product-led growth and zero-fee positioning. It is a direct peer in the European digital challenger bank category.
• Revolut: Revolut is the leading neobank in Switzerland with 1.2M customers (53% market share) and a globally scaled all-in-one finance app combining payments, savings, investments, and crypto — directly comparable to Yuh on product scope, target demographic, and business model.
• Trading 212: Trading 212 is a commission-free investment app with fractional shares, ETFs, and ISA accounts targeting European retail investors. It overlaps directly with Yuh's Invest module on fractional trading from small amounts and zero-commission recurring ETF purchases.
• Neon: Neon is a Swiss neobank with ~251,000 customers (11% market share), operating a mobile-first free account offering payments, savings, and investment products through Hypothekarbank Lenzburg — a directly comparable Swiss neobank competitor to Yuh.
• Monzo: Monzo is a UK-based digital challenger bank offering fee-free current accounts, savings pots, investments, and crypto. It is a directly comparable European neobank with product-led growth and a strong consumer brand.
• Starling Bank: Starling Bank is a UK digital challenger bank offering mobile current accounts, savings, lending, and investments. Its integrated app-driven approach and SME-banking extensions make it a directly comparable peer in the European neobank category.

Broad incumbents

• Swissquote: Swissquote is Yuh's parent company and Switzerland's leading online bank, offering trading, custody, mortgages, and lending across 3+ million financial products. While broader in scope (institutional, corporate banking, leveraged trading), it shares the underlying FINMA-licensed Swiss banking infrastructure that powers Yuh.
• PostFinance: PostFinance is Switzerland's fifth-largest financial institution and Yuh's former 50/50 JV partner until Swissquote's 2025 full acquisition. As a broad incumbent offering retail banking, payments, mortgages, and pensions to 2.5M+ customers, it provides context for the traditional banking competitive backdrop.

Emerging players

• Alpian: Alpian is an emerging Swiss digital private bank (FINMA-licensed) offering an integrated app combining daily banking, investing, and wealth advisory. It targets a similar digital-native Swiss audience but skews toward higher-net-worth customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/yuh_app
• Facebookfacebook.com/yuhapp.en
• LinkedInlinkedin.com/company/yuh-app

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Yuh