What makes a secure finance app?

A secure finance app should offer more than just the ability to check your balance. It should also help you to protect your money before something goes wrong. This involves providing clear controls, quick response options and and intelligent security features that can be tailored to your daily routine. That’s exactly the idea behind Yuh’s Security Space. It’s one place to manage the settings that help keep your account, card and payments safer.
 
Life can throw many things at you, so let’s take a moment to explore a few genuine scenarios where Yuh’s new Security Space can make a real difference. Whether you’re facing the risk of overspending on a night out or want to safeguard your card from unauthorised transactions, these features are designed to adapt to your lifestyle, give you greater control, and help protect your bank account from fraud.
With the Security Space, you can make sure nothing and no one touches your money.

Set a spending limit on your card and stay in control

Let’s say you’ve been saving up to buy a new battery for your e-bike. You’ve done your research, and you’ve spent months diligently building up a wad of cash to get your pride and joy roadworthy again. Then, at the end of a long, hard week, an old friend calls to say they’re in town. You meet for a drink, which turns into a meal, which turns into more drinks, ending up in a big night out, because when will you see your BFF again anyway? Next morning, you check your balance, only to find that you’ve blown your battery fund, and your e-bike is going to be gathering dust for a good while yet. Worse yet, you still owe your friend a TWINT for your share of the evening. Ouch!
 
Look, we get it: sometimes YOLO is the only answer. But if you do have a big expense on the horizon, Yuh’s Security Space lets you set a spending limit on your card to help keep a lid on your outgoings. You can use it to set a maximum monthly spending amount for your Yuh Mastercard, and you can change the limit at any time. You can even go one better and set a general monthly payment limit for all outgoing transactions in your account.
 
Yuh also offers custom TWINT limits, so you can set your TWINT spending and receiving limits and control payments to merchants. It’s flexible enough for everyday use and offers an extra layer of protection.
By setting a limit, you can keep your spending aligned with your financial goals.
Don’t want it? Deactivate it!
Yuhsers have access to a whole range of features. In fact, you might not need all of them all the time. That’s why our Security Space allows you to disable certain features you’re not planning on using any time soon, including ATM withdrawals and e-commerce transactions.
By switching off features you don’t use, you’re making your Yuhniverse a safer, more secure place.

How to lock a bank card instantly

You’ve been waiting for this holiday for what feels like forever. You’ve got your documents, you’ve packed (and re-packed) and you’ve spent hours on that language app, ‘coz you’re totally gonna blend in!
 
Plus you’ve got Yuh, so money’s not a problem. Before you left, you moved enough money into your Yuh account and made sure it was available in the right currency, to avoid those pesky exchange fees.
 
But then, one day, just as you’ve fully relaxed into holiday mode, you discover your card is missing. Don’t panic, just head straight to the Security Space and lock your bank card instantly in the app. Then, if you do happen to find it lurking at the bottom of your bag or tucked underneath your suitcase in the hotel room, you can easily unlock it again. If you suspect your card has been stolen, contact the Yuh Customer Care on +41 44 825 87 89 so we can issue you a new one.
 
With the Security Space, you can take action straight away (even if it’s just in case) and make sure nothing and no one touches your money.
Control where your money can go with country restrictions
Of course, you’re not the only one who can cross borders: you may well need to send money abroad as well. With the Yuh Security Space, you can choose where your money is allowed to go. Switzerland and Liechtenstein are enabled by default, as is your country of residence (so if you happen to live in France, you’ll already have three countries ready to go). But if you want to make payments or send money to another country, just add it to your list. By staying in control of every destination, you can better protect your bank account from fraud by controlling where your money is allowed to go.
 
Never underestimate the peace of mind that comes from knowing where your money can go, and where it can’t.

Banking fraud prevention: Spot phishing and suspicious activity

You’re sitting on the tram, and an e-mail comes in, apparently from us. It looks legit, and there’s a link to an article you’d love to read before you get to work. Plus yours is the next stop, so you don’t have long…
 
Phishing scams involving dodgy links and similar are the most common challenge in preventing banking fraud today. But sometimes, you don’t have time to check things out properly (which often plays straight into scammers’ grubby little hands). That’s why many of our e-mails now display a verification badge next to our name. It’s a quick way to check it’s really us, so always look for it before you do anything else. The badge is currently only visible in selected e-mail providers, such as Gmail and Apple Mail (we’re working on getting it to play nice with Outlook, too).
 
If you’re using Gmail or Apple Mail and don’t see the badge, treat the e-mail as suspicious.

Secure access with biometric authentication

Yuh also uses biometric authentication, like Face ID or fingerprint, to make sure only you can access your account and approve sensitive actions. It’s a simple but essential layer in any secure finance app.
Your security, your rules
Yuh’s Security Space is your personal financial control room built to protect your money with smart security features. Want to stay on top of your spending? Set a limit for your Yuh Mastercard, decide on a monthly payment limit for all outgoing transactions in your account, or tweak your TWINT caps to stay on track with your financial goals. You can even turn off things like ATM withdrawals and e-commerce transactions if you fancy adding an extra layer of protection. Lost your card while off exploring? Just lock it in the app with a tap, and if you find it lurking in your bag later, you can unlock it just as easily. Plus, you decide which countries your money can travel to, making sure it only goes where you want. And when it comes to e-mails, look out for our shiny verification badge; if you spot it in Gmail or Apple Mail, you know it’s us.
 
In short, Yuh gives you the tools to keep your spending in check, lock things down when you need to and dodge online nasties, so you can enjoy everyday life and those unexpected twists with a bit more peace of mind.