Accounts & headline costs
Sections ↑Yuh combines payments, savings and investing in one mobile app, but the regulated service chain matters: Swissquote Bank Ltd provides the banking, trading and custody relationship. Securities and crypto share an interface while using different pricing and legal arrangements.[6][1][2][9]
Account comparison01
Account and service routes at a glance
| Account / service | Customer and legal scope | Principal condition |
|---|---|---|
| Individual adult account | New applicants resident in Switzerland, Austria or Liechtenstein | Age 18+; non-US-person eligibility, identity and own-name first-funding checksSource 13 |
| Yuh&Me joint account | Two adults resident in Switzerland with individual Yuh accounts | Payments and savings only; investing is not currently availableSource 15 |
| Securities investing | Shares, ETFs, ETPs, Themes and bonds where available | Percentage transaction fee; no Yuh custody feeSource 1Source 4 |
| Crypto investing | Selected cryptoassets | 1% each side; separate risk and custody termsSource 1Source 2 |
Broker essentials02
Opening and account essentials
| Measure | Value | Context |
|---|---|---|
| Minimum investment | From CHF 10 for supported fractional/recurring routes | Source 1Source 5 |
| Securities custody | No Yuh custody fee | Source 1Source 2 |
| Provider | Swissquote Bank Ltd | Source 6Source 10 |
| App-only service | Yuh mobile app | Source 1Source 6 |
| Austria/Liechtenstein first funding | At least EUR 500 from a bank in the country of residence | Source 13 |
| Residence evidence | Official authority confirmation or tax bill when required; standard utility bills are not accepted | Source 13 |
Products & platforms
Sections ↑Availability03
Products and ownership structure
| Product or service | Published access | Boundary that matters |
|---|---|---|
| Shares | Selected international equities and fractional access | Fractional rights and transferability differ from whole sharesSource 3Source 1 |
| ETFs and ETPs | One-off and recurring investment routes | TER, stamp duty and sell charges remainSource 4Source 5 |
| Trending Themes | Curated thematic securities products | Product composition and costs must be read in-appSource 1 |
| Bonds | Selected fixed-income products where available | Credit, liquidity and price risk remainSource 1 |
| Cryptoassets | Selected crypto positions through Yuh | 1% transaction charge and crypto-specific riskSource 1Source 2 |
Platforms & products04
Platform and workflow
| Platform / route | Documented capability | Practical boundary |
|---|---|---|
| Yuh app | Cash, cards, investing, recurring orders and support | Orders and account management use the Yuh mobile appSource 1Source 6 |
| Fractional order | Allows investment from the stated minimum | Held through the fiduciary-interest structure; routine external transfers are currently unavailableSource 3Source 14Source 16 |
| Recurring investment | Weekly or monthly schedule for supported products | Only eligible ETF buys receive the zero trading-fee offerSource 5 |
Under the fractional-trading execution policy, the account holds fiduciary interests in instruments held in Swissquote’s name for the customer. Swissquote can obtain the underlying instrument in the market or from its own inventory. A credited customer trade therefore does not necessarily occur at the same moment or price as Swissquote’s own acquisition of the underlying asset.[16]
Fees & holding costs
Sections ↑Pricing & charges05
Primary pricing
| Cost layer | Published amount or basis | Scope and condition |
|---|---|---|
| Securities order up to CHF 10,000 | 0.50%; minimum CHF 1 | Shares, ETFs/ETPs and ThemesSource 1Source 4 |
| CHF 10,000.01–20,000 | 0.35% | Calculated in CHF equivalentSource 1Source 2 |
| Above CHF 20,000 | 0.25% | Calculated in CHF equivalentSource 1Source 2 |
| Eligible ETF recurring buy | 0% trading fee | Stamp duty, TER and sell fee remainSource 5Source 2 |
| Crypto buy or sell | 1% | Charged each sideSource 1Source 2 |
Pricing & charges06
Secondary and event-driven charges
| Item | Published treatment | When it matters |
|---|---|---|
| Custody | CHF 0 / no Yuh custody fee | Third-party product costs remainSource 2 |
| Swiss stamp duty | Applicable where required | Government tax, not broker commissionSource 1Source 5 |
| ETF TER | Product-specific | Embedded in the fund/ETPSource 4 |
| Savings-project cash interest | 0% for CHF, EUR and USD at the review date | Savings-project cash is distinct from securities incomeSource 2 |
| Currency conversion | 0.95% above the mid-market rate | Separate from securities or crypto transaction feesSource 2 |
The CHF 1 minimum makes small ordinary orders more expensive in percentage terms: a CHF 10 securities purchase pays CHF 1, or 10%, before other costs. This minimum does not apply to an eligible zero-commission recurring ETF purchase. A currency conversion can add a further 0.95%.[4][5][2]
Execution & trading rules
Sections ↑Specifications07
Available securities order types
| Instruction or situation | Documented operation | Consequence |
|---|---|---|
| Market order | Execute at the available price | The final price can differ from the quoted priceSource 14 |
| Limit order | Buy at the limit or below; sell at the limit or above | May remain unfilledSource 14 |
| Stop-loss order | Becomes a market sell when triggered | The stop price is not a guaranteed sale priceSource 14 |
| Order funding | The FAQ describes a 10% security margin and a CHF 50,000 order-value ceiling | Fees and buffer are additional; money must be in Pay, not a Save projectSource 14 |
| Recurring buy | Weekly or monthly for supported products | Eligible zero-fee ETFs require a recurring buy; one-off purchases and sales use ordinary pricingSource 5 |
Trading & service hours08
Published securities dealing windows
| Market | Published time | Qualification |
|---|---|---|
| Switzerland, continental Europe and UK | 09:10–17:20, labelled CET by Yuh | Trading days only; exchange holidays and seasonal clock differences can affect availabilitySource 3 |
| United States | 15:40–21:50, labelled CET by Yuh | Use the live app for the security’s current sessionSource 3 |
| Themes | 09:25–17:05, labelled CET by Yuh | Product-specific windowSource 3 |
Trading & service hours09
Sessions, exceptions and outages
| Issue | Published route | Operational implication |
|---|---|---|
| No leveraged/complex products | Public investment page excludes leverage and complex products | Loss can still reach the amount investedSource 1 |
| Off-hours instruction | Held for the next supported dealing window | The opening price can differ from the price seen when the order was submittedSource 3 |
| Suspected account fraud | Customer-care telephone route is available 24/7 | Ordinary enquiries use the published weekday hoursSource 7 |
Deposits, withdrawals & transfers
Sections ↑Transfer terms10
Cash movements
| Route | Published operation | Restriction or timing |
|---|---|---|
| Bank transfer | Fund the personal Swissquote/Yuh IBAN | The first deposit must come from an account in the applicant’s nameSource 13 |
| New applicants in Austria or Liechtenstein | Minimum first deposit EUR 500 from a bank in the residence country | Older pricing text also names FR/DE/IT; current onboarding FAQ says other countries are on holdSource 13Source 2 |
| Sale proceeds | Credited to cash after execution and settlement | Reinvestment and bank withdrawal timing can differSource 6 |
| Outgoing bank transfer | Swiss/Liechtenstein transfers in supported currencies and EUR SEPA transfers are free | Other-currency transfers within the supported SEPA area cost CHF 4; bank/intermediary fees can be extraSource 2 |
Transfer terms11
Portfolio transfers and closure
| Action | Published position | Customer consequence |
|---|---|---|
| Incoming securities | Not currently offered, including from Swissquote or PostFinance | Opening a Yuh account does not link an existing securities portfolioSource 14Source 3 |
| Outgoing securities | Not currently offered as an ordinary account service | A move to another provider can require sale and cash movement insteadSource 14 |
| Crypto transfer | Transfers to and from other institutions are not currently offered | The contract’s discretionary transfer provisions do not establish an available app functionSource 14Source 18 |
| Custody terms and insolvency | The legal documents separately address return or transfer of custody assets | An insolvency/return provision is different from routine customer transfer availabilitySource 17Source 16 |
Protection & regulation
Sections ↑Protections & eligibility12
Entity and protection boundaries
| Arrangement | Published arrangement | What it does not establish |
|---|---|---|
| Provider | Swissquote Bank Ltd, supervised by FINMA | The Yuh brand is not a separate bank licenceSource 6Source 11 |
| Eligible bank deposits | Swiss deposit protection up to CHF 100,000 | Aggregates with other eligible deposits at Swissquote BankSource 1Source 12 |
| Securities custody | Fiduciary interests held through Swissquote; custody rules can use third-party or omnibus arrangements | Custody and return rights are distinct from deposit insurance and do not cover market lossesSource 16Source 17 |
| Crypto custody | Swissquote may hold directly or use sub-custodians under the digital-assets contract | The contract says bankruptcy treatment depends on legal and custody factors; it does not give an unconditional CHF 100,000 crypto guaranteeSource 18 |
Opening an account & support
Sections ↑Official support and complaint routes
Yuh customer care telephoneTelephone
+41 44 825 87 89Source 6Source 7Source 17
Scope Account support and suspected fraud; the published telephone is also printed on Swissquote’s Yuh agreements.
Hours Ordinary enquiries Monday–Friday 08:00–19:00 Swiss time; suspected fraud 24/7.
Yuh customer careWebsite
https://www.yuh.com/en/contact/Source 7
Scope App, message and telephone support routes.
Hours Monday–Friday, 08:00–19:00 Swiss time, as published.
Fraud and card emergencyWebsite
https://www.yuh.com/en/contact/Source 7Source 8
Scope The public page supplies the current urgent-contact route. Urgent fraud/card route; not an execution desk.
Hours 24 hours, as published for fraud support.
Legal documentsWebsite
The current account FAQ requires official residence evidence when requested and specifically excludes ordinary utility bills. New applicants in Austria and Liechtenstein also need the EUR 500 first deposit from their residence country. These onboarding requirements are more specific than the investment page’s general sign-up illustration.[13][1]
Additional services
Sections ↑Reference table13
Special services and operating conditions
| Service | What it adds | Condition or limit |
|---|---|---|
| ETF savings plan | Recurring eligible ETF buys with no Yuh trading fee | Sell fees, TER and stamp duty remainSource 5 |
| Recurring securities investing | Other shares, ETFs and Themes can be scheduled | Ordinary pricing applies outside the eligible ETF offerSource 5 |
| Swissqoin | Yuh’s crypto reward, exchangeable for cash under its terms | Its value and reward rules are separate from cash deposit interestSource 1Source 9 |
| Multi-currency account | Cash and payments in supported currencies | Currency conversion and banking terms are separate from investment feesSource 2Source 6 |
Company background & evidence
Sections ↑The facts14
Company and research context
| Measure | Value | Context |
|---|---|---|
| Brand | Yuh | Source 6 |
| Service provider | Swissquote Bank Ltd | Source 6Source 10 |
| Ownership | Fully owned by Swissquote following the 4 July 2025 acquisition of PostFinance’s 50% stake | Source 19Source 6 |
| Regulatory framework | Swiss banking and securities supervision | Source 11 |
| Selected terms refreshed | 2026-10-29 | Source 1Source 2 |
- Headquarters
- Gland, Switzerland, through Swissquote Bank Ltd
- Founded
- Yuh launched 2021
Legal entities & licences
These are source-dated records, not a blanket assessment of the broker. Read each issuer, identifier, status and scope together.
Swissquote Bank Ltd
No separate licence entry is recorded in this panel.
Additional Information
Sections ↑Reference table15
Checks before relying on a quoted condition
| Check | Why it matters |
|---|---|
| Minimum fee | A small securities order can pay the CHF 1 minimum rather than exactly 0.50%Source 4 |
| Free recurring buy is narrow | Eligible ETF purchases only; regular one-off buys and sales use ordinary pricingSource 5 |
| Deposit cover aggregates | Yuh cash and other Swissquote deposits share the institution-level limitSource 12Source 6 |
| New versus existing customers | Current onboarding is CH/AT/LI; legacy references to other markets are not proof that new applications are acceptedSource 13 |
Sources & further reading
- Yuh investment product and pricing overview Yuh · Accessed 29 Oct 2026
- Yuh current pricing Yuh · Accessed 29 Oct 2026
- Yuh shares Yuh · Accessed 29 Oct 2026
- Yuh ETFs Yuh · Accessed 29 Oct 2026
- ETF savings plan Yuh · Accessed 29 Oct 2026
- Yuh help centre and legal service identity Yuh · Accessed 29 Oct 2026
- Yuh customer care and fraud channels Yuh · Accessed 29 Oct 2026
- Yuh security hub Yuh · Accessed 16 Oct 2026
- Yuh legal documents Yuh · Accessed 29 Oct 2026
- Swissquote Bank legal and regulatory information Swissquote · Accessed 16 Oct 2026
- FINMA authorised institutions search Swiss Financial Market Supervisory Authority · Accessed 16 Oct 2026
- Swiss deposit protection esisuisse · Accessed 16 Oct 2026
- Yuh account eligibility and funding FAQ Yuh · Accessed 29 Oct 2026
- Yuh investing FAQ: orders, custody and transfer availability Yuh · Accessed 29 Oct 2026
- Yuh joint account eligibility and current service scope Yuh · Accessed 29 Oct 2026
- Best Execution Policy for Yuh Accounts, V2 Swissquote Bank · Accessed 29 Oct 2026
- Safe Custody Regulations for Yuh Accounts, V1 Swissquote Bank · Accessed 29 Oct 2026
- Digital Assets Contract and Risk Disclosure for Yuh Accounts, V2 Swissquote Bank · Accessed 29 Oct 2026
- Swissquote full acquisition of Yuh, 4 July 2025 Swissquote · Accessed 29 Oct 2026
This profile reports dated public information, including broker-published services and terms. It does not independently test or guarantee execution, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.