Yuh 14+
The teen bank account

POV: You’re between 14 and 17 and you’re opening your first Swiss bank account. We throw in TWINT, a free card, free withdrawals and no overdraft risk. Sweet.

Open your account

TWINT?
Of course!

Our teen bank account is fully ready to send and receive money with Yuh TWINT.

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A snatched free debit Mastercard

Black goes with everything! Get your sleek and stylish card delivered straight to your door. Free of charge.

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See the world, own your finances with Yuh 14+

School trips and summer holidays = covered. With Yuh 14+, there are no transaction or exchange fees (in Switzerland and abroad), and you get access to 13 currencies at the interbank rate.

Free cash withdrawals every week, no overdraft risk

It’s a digital world, but sometimes good solid cash comes in handy. With Yuh 14+, you can withdraw cash for free from any ATM in Switzerland, once a week. And with no overdraft, there’s no overspending.

In your savings era with Yuh 14+

Got your eye on new trainers? Put money aside regularly in your account, and soon you can treat yourself. With 0.10% interest on your savings, your goal is a bit closer. No limits, no caps!

Pay back your friends & transfer money

Your bestie got you a bubble tea? If they’re also on Yuh, paying them back is a snap. If they’re not, still no sweat: Yuh 14+ gives you free bank transfers in Switzerland.

Time to talk safety

With Yuh 14+, overdrafts or negative balances are a no-go. You’re totally safe! In case Yuh should go bankrupt, your funds up to 100’000 CHF are protected by FINMA.

Sign up solo

With Yuh 14+ you can take action and open your own Swiss bank account without an adult having to sign. It’s all about gaining independence while staying safe and secure.

Take your first steps into the world of investing

With your Yuh 14+ teen account, you can track your favourite stocks and brands while getting familiar with the basics of investing—all without any risk.

We love low-to-no-fee

We don’t charge fees often, but when we have to, we keep them as low as possible–keeping your money… well, yours.

Debit Mastercard

Account with Swiss IBAN

Free

Physical card, delivered to your door

Free

Virtual card, available in your app

Free

ATM withdrawal in Switzerland ¹

1 free withdrawal per week

ATM withdrawal abroad ²

4.90 CHF per withdrawal

Currency exchange ³

0%

Pocket insurance ⁴

Free

1 One free withdrawal per calendar week starting on Monday. 1.90 CHF per subsequent withdrawal. Withdrawal limits apply according to the main currency of your account: 10’000 per month and 1’000 per day. Cash withdrawal and card usage is not supported in a few countries. The full list can be found here.
2 We’ll charge a fee of 4.90 CHF or the local currency equivalent per withdrawal when you use one of the 13 currencies available on the Yuh app.
3 The interbank rate with 0% markup is being applied for CHF – USD – EUR – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD. Other currencies are based on the mastercard reference rate. The monthly limit is 5’000 CHF. If you go over, you’ll be charged a 0.95% fee on the total amount you spent.
4 Valid until 01.07.2025. Not binding after that date. The insurance covers everyday items such as mobile phones, laptops, keys, wallets and their contents up to a certain amount. Only items paid for with the Yuh debit card since 01.07.2024 are covered.

Bank Transfers

Bank transfer in Switzerland and Liechtenstein in 13 currencies ^1,2

Free

SEPA transfer in Europe in EUR ^2,3

Free

SEPA transfer in Europe in other currencies ^2,3

4 CHF

1 CHF – USD – EUR – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD
2 Yuh is not responsible for any fees charged by third party banks.
3 The SEPA area consists of the following countries: Switzerland, Austria, Belgium, Cyprus, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Portugal, Slovakia, Slovenia, Spain, Bulgaria, Croatia, Czechia, Denmark, Hungary, Poland, Romania, Sweden, United Kingdom, Iceland, Liechtenstein, Norway, Andorra, Monaco, San Marino, Vatican City. International bank transfers outside of the SEPA countries are currently not supported.

Save

Saving projects

Free

Interest rates for cash assets in saving projects in CHF ^1,2

0.10%

1 Interest is pro-rated across 365 days and is paid annually around 31 December. The interest rate is calculated on cash assets stored in the “Save” section of the app.
2 We reserve the right to modify the applicable interest rates. Depending on the amount of the credit balance, a negative interest rate (fee) may be charged. The applicable conditions can be requested at any time.

1

Get the app

Download the Yuh app from the App Store, Google Play Store or Huawei App Gallery.

2

Create your account

Enter your personal details and verify your identity in the app.

3

Top up your balance

Make your first deposit and you can start using the app.

1

Get the app

Download the Yuh app from the App Store, Google Play Store or Huawei App Gallery.

2

Create your account

Enter your personal details and verify your identity in the app.

3

Top up your balance

Make your first deposit and you can start using the app.

Disclaimer

Yuh 14+ is only available to Swiss residents.

Ask us anything

Can I really open the account myself if I am 14-17?

Yes, it’s all up to you. If you’re at least 14 years old, you can open your own Yuh 14+ account, no parental consent required. Total boss move.

What happens when I turn 18?

18 trips around the sun then boom–your Yuh 14+ teen account becomes a full Yuh account. You’ll unlock features like in-app currency exchange, retirement savings (we know, that’s waaaay off, but still important) with Pillar 3a, and much more, along with the standard account fees and terms.

Can I earn rewards by referring friends?

Absolutely! For every friend or family member you bring to the party, you’ll receive 10 CHF on your account and they’ll get 500 Swissqoins (for adults) or 10 CHF (for teens). Win-win!

Remember that the person you refer needs to fund their account by minimum 500 CHF to get the reward. Please note that it only works via bank transfer. TWINT payments are not eligible.

How do I deposit money into my account?

Very easy! Share your IBAN to get money straight into your account. And if relatives gave you some hard cash for your birthday? Just go to your local post office and use PostFinance’s simple QR generator.

Can I use Yuh TWINT before I’m 18?

Yes, you can (unless your account balance is 0, in which case you can’t – sorry).

Can I use Apple Pay?

You bet you can! Simple, fast, and perfect for your on-the-go lifestyle.

Can I use Google Wallet?

Absolutely! Google Wallet is available for the under-18 crew. Just remember that Google has some extra conditions for minors, so it’s wise to check the small print. Better safe than sorry.

How can I add cash to my Yuh account?

Via the PostFinance QR Generator, by going to your local post office. Follow the steps here. The post office may charge a small fee for this service. To fill in the form, you’ll need your account details, which you can find in your app under: Pay > Add funds. Processing usually takes 1-3 days.

I am under 18, can I use eBill?

Yes, eBill is available for minors. Just keep in mind that some providers (like mobile phone providers or health insurances etc.) might not let you sign contracts with them. It all depends on their rules.

Need help? Our Customer Care has got you covered.

Yuh 14+
The teen bank account