Transparent pricing is our jam

Our fees don’t like to play hide and seek. Whenever they apply, they’ll wave at you from afar.

Keeping it
low-to-no-fees

Our pricing’s best buddy is the 0. We don’t charge you often, but when we do we try to keep it as low as possible.

Account

Account with Swiss IBAN
Free
Account management
Free
Custody service
Free

Debit Mastercard

Physical card, delivered to your door
Free
Virtual card, available in your app
Free
Contactless payments
Free
Mobile payments
Free
Multi-currency account 1
Free
ATM withdrawal in Switzerland 2
1 free withdrawal per week
ATM withdrawal abroad 3
4.90 CHF per withdrawal
Currency exchange
0.95%
1 CHF – USD – EUR – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD
2 One free withdrawal per calendar week starting on Monday. 1.90 CHF per subsequent withdrawal. Monthly withdrawal limit of 10’000 CHF. Daily withdrawal limit of 1’000 CHF. Cash withdrawal and card usage is not supported in a few countries. The full list can be found here.
3 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.

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 CHF 1,2
1.00%
Interest rates for cash assets in EUR 1,2
0.75%
Interest rates for cash assets in USD 1,2
0.75%
1 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. Applicable starting from 01.10.2023.
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.

Invest

Custody fees
Free
Stocks, ETFs, Themes 1
0.50%
Crypto
1%
1 Minimum fee of 1.-. Can be subject to additional local governmental taxes.

Pillar 3a

All-in-fee 1
0.50%
1 Covers all fees and services, such as custody fees, investment fees (TER), currency exchange fees, administration fees, unlimited strategy changes, deposits, withdrawals, account opening and closing. The fees of 0.50% per annum are calculated on the total amount of invested assets on a 365-day pro rata basis. On a 3-month basis, the fee is 0.125%.

Customer Care

Phone support
Free
Message support
Free
In-app chat support
Free

Security

Deposit protection 1
Free
Two-factor authentification
Free
Yuh offers the same legal protection as a regulated Swiss bank (CHF 100’000 protection in the event of bankruptcy) and must comply with the same customer protection and banking secrecy rules, under the supervision of FINMA, the Swiss Financial Market Supervisory Authority.
More details

Questions? We’re happy to help!

Can I make an international money transfer on the Yuh app?

Whether you are renting a bungalow on the beach or reimbursing a friend abroad, nothing could be easier! With Yuh, you can transfer money in 13 currencies [CHF – USD – EUR – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD] to SEPA* countries. All you have to do is enter the bank details of the recipient (BIC and IBAN) and choose the currency. It is as simple as that! Not only that, but also transfers in euros are free.

* What are the SEPA countries? The Single Euro Payments Area is a pan-European community which aims to make payments in the euro zone as easy and safe as national payments. Here is a list of SEPA countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, the United Kingdom and Vatican City.

How much are the fees for international money transfers on Yuh?

International transfers in EUR within the SEPA area are free. In other currencies, we charge 4 CHF. Bank transfers within Switzerland and Liechtenstein are free in the 13 currencies available in the app. But, there is a “but”… Yuh is not responsible for any fees charged by the receiving bank. A bit of research on your part could help you avoid any additional fees.

What is the baseline for the 0.95% currency exchange fees?

We apply the inter-banking rate (a.k.a. mid-market rate), just as you see it on Google, plus a small fee (0.95%) on top.

How are you able to keep fees so low?

We like to keep the Yuhniverse digital only. Yuh doesn’t have any subsidiaries or bank counters. What’s more, we don’t speculate with your money and use it wisely where it matters.

Will you increase the fees in the future?

Don’t worry, the Yuh app will remain free in the future. We’ll continue with mini-fees or none at all. We’ve listened to our Yuhsers and taken their wishes to heart. And because we stick to our promises, we aren’t planning to add flat-rate packages to our product range at the moment.

Need help? Our support team is all ears

Take charge of your money, switch to the Yuhniverse!

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