Yuhsers were on fire in 2025, every single minute!
The Swiss consume around 180 kilos of chocolate every minute, every year. In that same minute, Yuhsers complete 49 card transactions. Do these two things belong in the same sentence? Not at all. Together, however, they demonstrate something about the Swiss and our Yuhniverse: There is always movement and momentum. This pace shaped the entire year. Between 1 December 2024 and 1 December 2025, the community accumulated 1.2 billion CHF in savings projects, earned 74.7 million Swissqoins, transferred 196 million CHF to friends via P2P and made more than 23.5 million card transactions. And when it came to investing, Bitcoin barely left room for anyone else at the top.

A data-fuelled love story about Yuhsers and what they really did with their money in 2025

Ever wondered what other Yuhsers actually do with the app all year long? Same here. So we pulled the 2025 data, laid it out, and suddenly the picture became obvious: Yuhsers were not only using the Yuh app, but also building habits, displaying patterns and discreetly improving their financial lives. From huge savings totals and everyday taps to bold investments and tiny automations you probably forgot you set up, you did all this and more in 2025 – and we’re impressed!

The Yuhser year in numbers

  1. The top investments: Crypto said «Jump!», Yuhsers said «How high?»
    The investment story of 2025 is basically a love letter to crypto. With a volume (buys and sells) of roughly 374 million CHF, Bitcoin was so far ahead of everything else that the rest of the field didn’t even pretend to compete. XRP followed with around 217 million CHF, then came Ethereum with 140 million CHF, with Solana close behind at 125 million CHF. Further down the list, HBAR and Cardano still pulled in tens of millions, proving that investors weren’t afraid to think outside the box when it came to digital assets.
    But it wasn’t all high-octane excitement. Beneath the crypto hype was the backbone of Yuhser portfolios: global ETFs. Vanguard All World UCITS, with around 73 million CHF; Swisscanto Gold, with 71 million CHF; and the hedged MSCI World ETF, with roughly 58 million CHF, kept things steady. This mix says a lot about Yuhsers: They can be bold when they want to be, but they are sensible when it counts and always balance excitement with long-term thinking.
  2. Stocks: Where Yuhsers got picky (and a bit patriotic)
    The top stocks of the year tell a different story: less «moonshot» energy and more «this says something about me». NVIDIA is at the top with around 46.5 million CHF. This makes sense, as skipping NVIDIA in 2025 would be a bit like making cheese fondue and forgetting the bread: technically possible, but why would you? Tesla came second with around 29 million CHF, still commanding attention like an unpredictable friend you can’t stop hanging out with. Then there’s Nestlé, with around 26.4 million CHF, the steady Swiss anchor that balances out all the tech-fuelled chaos.
    What came after was equally revealing: Idorsia climbed into the top five, Palantir drew in over 20 million CHF, and Swissquote, UBS and Roche showed that Yuhsers trust their homegrown giants just as much as their global favourites. Alphabet and Apple also made an appearance, because if you spend half your day using their products, owning a share in them just feels right. Together, the rankings provide a snapshot of the Yuhser mindset: part tech optimist, part Swiss traditionalist and part «I’ll diversify, but only if it still feels like me».
  3. Savings projects: The quiet powerhouse of 2025
    In 2025, savings projects became one of the strongest indicators of how Yuhsers manage their money. Across the community, 366’360 active savings projects were collectively holding 1.2 billion CHF. The impressive thing about savings projects is that they don’t grow through big, flashy moves, but simply through habit. A little automation here, regular top-ups there and a quiet commitment to future goals. When thousands of Yuhsers do this simultaneously, the result is an impressive savings pool. Whether the goal was to save for travel, to set up a new home, to create a financial buffer for «just in case» situations or to finally buy something that has been on the wish list forever, savings projects demonstrate time and again that real financial progress comes from consistency.
  4. Card transactions: Yuh became the everyday wallet
    Card usage hit a whole new level in 2025. Yuhsers made around 49 card transactions per minute, totalling 23.5 million card transactions for the year. For context, when card payments were introduced in July 2021, the average was 23 transactions per minute. Since then, the community has made over 53.4 million card payments in total, which is more than double the rate seen in the early days. The message in the data is clear: Yuh isn’t just a secondary account anymore. It’s the one you actually reach for at Coop, on the train, online, at kiosks and for all those micro-moments that make up a day.
  5. Salary accounts: The commitment got real
    In 2025, Yuhsers started to treat Yuh not just as a secondary account, but as their main financial home. In total, 45’000 people have used Yuh as their salary account, with an impressive 30’350 switching in 2025 alone. This signals a clear shift in trust and long-term engagement, with the vast majority of salary migrations happening in 2025. When someone routes their salary through Yuh, they’re building their entire financial routine around it. And in 2025, Yuhsers did exactly that.
  6. Top merchants: A pretty accurate snapshot of Yuhser life
    If you ever doubted that spending data tells stories, take a look at the 2025 retailer rankings. Let’s start with the heavyweights of everyday life: Coop is in the lead with 41.7 million CHF, closely followed by Migros with 38.2 million CHF.
    There was also plenty of movement in the travel industry: Booking.com came in at almost 24 million CHF, SBB trailed behind with 18 million CHF, and Airbnb was a strong contender with 11 million CHF. It seems that our Yuhsers definitely had other things on their minds in 2025 than staying at home.
    And, of course, the rest reads like a map of modern life: Lidl, Apple, Amazon, IKEA, Denner, Aldi and Google – a mix of screens, snacks, life admin and the occasional «I need to reorganise my entire apartment at 10 p.m.» moment. Together, these figures paint a very Swiss, relatable portrait: a nation that is practical, mobile, hungry and always one click away from buying something.
  7. Peer-to-peer payments: The social side of money
    Nowhere is it more evident how connected Yuhsers are than in P2P payments. In 2025, 160’511 such money transfers were initiated between Yuhsers, with a total of around 196 million CHF being transferred back and forth for all kinds of purposes. Since this feature was introduced, 365’578 P2P payments have been made, representing a huge number of small everyday gestures totalling around 437 million CHF. Almost half a billion CHF has been circulating within the community.
    Why are we particularly interested in these figures? Because they reflect the social side of money. They tell of shared bills, spontaneous invitations, forgotten wallets, concert nights and friendships that just work – even on a financial level.
  8. eBill: The part of financial life that no one posts about but everyone relies on
    While other parts of the app generate more excitement, eBill quietly handled a significant proportion of transactions in 2025. Yuhsers paid 364’133 eBills over the year, totalling 118.6 million CHF for the usual suspects: phone bills, insurance payments, utilities, subscriptions you meant to cancel three months ago and annual invoices nobody remembers until they arrive.
    In total, the community has now processed 717’641 eBills, totalling 247 million CHF, a figure that essentially shouts: «Yes, people here pay their bills.» It’s not dramatic, but it’s the kind of financial discipline that makes life calmer, and the data shows that Yuhsers are actually pretty good at it.
  9. Swissqoin: The reward that became a habit
    Swissqoin had another strong year, and the numbers reveal an interesting truth about Yuhsers: You don’t just receive the rewards, you HODL them. In 2025, Yuhsers received around 74.7 million SWQ and sold approximately 26.3 million SWQ. All-time totals reached 364 million SWQ rewarded and 115 million SWQ sold. But the real highlight is how people treat the token. On average, Yuhsers received 1’098 SWQ and still held 754 SWQ, meaning that only around 31% was sold.
    In other words, Swissqoin has quietly turned into a small digital stash that you don’t touch because it feels good to watch it grow with every transaction, purchase or paycheque. It’s a tiny, low-effort reminder that good habits can actually pay you back.
The takeaway
Looking at the data, one thing becomes clear: 2025 was a year built on consistency. It was a year of quiet routines rather than big gestures. Yuhsers made progress in everyday moments: automated savings, card transactions that built rewards and steady ETFs balanced with stocks and adventurous crypto. Then there were peer-to-peer payments and, of course, the power of eBill to pay bills on time seamlessly. If you want to maintain this momentum in 2026, consider doubling down on the habits that made 2025 so successful.
 
  • Automate your savings projects to help your goals grow, even when you’re busy living your life.
  • Mix long-term investments with a few high-conviction picks to keep your portfolio balanced and interesting.
  • Set Yuh as your salary/main account to maximise your Swissqoin rewards automatically.
  • Keep an eye on your spending patterns, because little insights can unlock big changes.
  • Use peer-to-peer and eBill to stay organised, split costs effortlessly and keep everything flowing smoothly.
 
Small actions repeated often are what turned 2025 into a solid financial year for the community. And that’s exactly what could set the tone for an even better 2026.
 
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