With 1% interest on any amount of cash in CHF, you don’t just save money, you let it thrive. No caps, no limits and it doesn’t matter if your cash is hanging out in the «Pay» or «Save» section in the app.
0.75% on EUR and USD
Your cash in EUR and USD isn’t just sitting in the app, twiddling its thumbs. No, it’s stacking up 0.75% interest without any limits, and it doesn’t matter if you keep your money in the «Pay» or «Save» section in the app.
First among equals
Yuh was one of the first players to reintroduce positive interest in 2022, with rates starting at 0.25%, then rising to 0.50% and finally 1.00%, with the latest scoop being the removal of all caps in October 2023.
Rock’n’roll to the max
Interest is calculated separately for each currency, so you can maximise your interest income.
No strings attached
We won’t keep you from withdrawing your money at any time.
Save on your terms
Save how it suits you, whether it’s through automatic recurring transfers or one-time deposits.
Start skyrocketing now
Ready for the best saving experience? Open your Yuh account now in just 3 easy (dance) steps.
Still raising an eyebrow in doubt? Ask us about anything that’s keeping you from sleeping at night!
Is Yuh a swiss bank?
Truly a profound spirtual enquiry: what is any of us? Aren’t we all, each and every single one of us, deep within our hearts and souls, a bank? This is indeed a shrewd question for greater and wiser minds than ours.
Okay, enough of the metaphysical stuff. Here’s the deal: Yuh is the result of a joint venture between two renowned Swiss financial institutions: Swissquote and PostFinance. Yuh itself is not a bank. The banking and financial services offered in the Yuh app are provided by Swissquote, which is authorised by FINMA, the Swiss Financial Market Supervisory Authority. In this framework, you benefit from all the protections provided by the Swiss banking law and other Swiss financial laws, including the 100’000 CHF protection in case of bankruptcy, and banking secrecy. Our focus is to offer affordable services packed into a convenient mobile app. And also to tell you that we think you’re just great.
How much does Yuh charge in fees?
Yuh charges no fees whenever possible, and low fees when necessary. In all cases, you can rely on full transparency. Check out our pricing list here.
When is the interest paid?
The interest rates are cumulative. In other words, interest is calculated separately for each currency (CHF, EUR or USD). Interest is pro-rated across 365 days and is paid annually on 31 December.
What do I need to open an account?
To open a Yuh account, you must:
– be 18 or older
– reside in one of the countries listed here
– NOT be a “US Person” (citizen or permanent resident of the United States)
– have an ID or passport as well as a proof of residency (utility or mobile bill)
– make a first cash deposit from a bank account held under your name
– find the key to the ancient tomb of Quetzalcoatl by midnight on the next full moon
(That last one’s not actually necessary.)
Where are my funds stored?
In a secret vault hidden deep within the centre of the earth, below the planet’s magma core, accessible only by trained moles who have lava-proof armour – okay, okay, that’s not true. The funds on your Yuh account are deposited at Swissquote Bank Ltd in Switzerland. Your money is legally protected up to 100’000 CHF and you benefit from security of a regulated Swiss bank. Easy.