Yuh review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Yuh runs a fee-free easy-access savings and current account, so it suits anyone who wants to hold several currencies and move money without monthly charges. What holds it back is the saving side: the headline rate on savings sits at 0%, and the account is built for teenagers rather than savers chasing yield.
Key facts
- Best for
- Free multi-currency banking for teens and anyone tired of monthly account fees.
- Headline rate
- 0%↗
- Rate type
- Variable↗
- Access terms
- Savings projects, move or withdraw money at any time↗
- Monthly fee
- CHF 0↗
- Account kind
- Easy access↗
- Legal entity
- Yuh Ltd (UID CHE-116.310.079)↗
- Headquarters
- Switzerland↗
- Founded
- 2021↗
- Support channels
- Phone, Chat, Email, Help-centre↗
- Pricing model
- No monthly fee
- Official website
- yuh.com
Everyday accounts
Money transfer
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- Google Play
- Elsewhere
- LinkedInXappgallery.huawei.com
Pros and cons
Pros
- Monthly fee of CHF 0, and transfers cost CHF 0 in Switzerland and Liechtenstein
- Access to 13 currencies, above the site median of 5
- Savings projects let you move or withdraw money at any time
- Support covers phone, chat and email
Cons
- The savings headline rate of 0% pays nothing, well below the site median of 3%
- Currency conversion costs 0.95% with an exchange rate margin of 0.95%
- Savings pay a variable rate rather than a fixed one, so the return can change
Who it suits
- Teenagers opening a first account, the audience Yuh lists for its teen account
- Anyone wanting a joint account alongside a digital-only setup
- People who hold several currencies and want local account details
Who should look elsewhere
- Savers who want a competitive headline rate, since Yuh pays 0%
- Frequent currency converters, who pay 0.95% and a margin of 0.95% each time
- Those wanting a fixed-term return, as the rate type is variable
The company behind it
Yuh is operated by Yuh Ltd (UID CHE-116.310.079), based in Switzerland and supervised by the Swiss Financial Market Supervisory Authority (FINMA). The company was founded in 2021 and keeps its support operation broad, offering help through phone, chat and email. The digital-only model means every part of the account, from opening it to moving money, runs inside the app rather than a branch.
How Yuh compares
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Where Yuh is available
- Licence in Switzerland
- Swiss Financial Market Supervisory Authority (FINMA), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Yuh cost to hold?+
There is no monthly charge: the monthly fee is CHF 0, and the model listed is a no monthly fee account. Domestic transfers cost CHF 0 in Switzerland and Liechtenstein, in the currencies offered and for SEPA euro. Other SEPA currency transfers are charged a flat amount per payment.
Does Yuh pay any interest on savings?+
The headline rate on savings is 0%, so the account pays nothing on your balance. Most brands on the site sit higher, with a median of 3%. The rate type is variable, which means it can move, though here the listed figure is already at the floor.
How many currencies can I hold?+
Yuh supports 13 currencies, which is above the site median of 5 and just under the upper quartile of 15. Accounts come with local account details, including an IBAN, so you can receive money in several places without opening separate accounts.
How does Yuh handle currency conversion?+
Conversion carries a fee of 0.95% and an exchange rate margin of 0.95%, so each switch costs money beyond the mid-market rate. For comparison, the site median conversion fee is 0.5% and the median margin is 0.9%. Holding a currency rather than converting it avoids both charges.
How do I get money in and out of a Yuh account?+
Savings are arranged as projects, and you can move or withdraw money from them at any time without giving notice. Payouts go to a bank account, and local details such as an IBAN come with the account. Support runs on phone, chat and email if you need help setting up a project.
Who is Yuh built for?+
The audience listed for Yuh is teens, and a dedicated teen account sits alongside the main one. The app is digital-only, and joint accounts are available, so it also works for a parent and teenager sharing an account. There is no branch network, so everything happens in the app.
How much cash can I take out?+
Yuh lists a free ATM allowance of CHF 1, with about 52.9% of the brands on the site offering free ATM access. The digital-only setup means cards are handled in the app, and withdrawals in other currencies pick up the 0.95% conversion charge.
How is Yuh regulated?+
Yuh is based in Switzerland and supervised by the Swiss Financial Market Supervisory Authority (FINMA), the regulator recorded for the brand. The operating company behind the service is Yuh Ltd (UID CHE-116.310.079), which is the entity named in the imprint.
Sources
- yuh.com/en checked September 26, 2026
Backs: Founded
“Yuh was launched as a start-up in 2021.”
- yuh.com/en/app/save checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Rate type
“Move or withdraw your money at any time”
- yuh.com/en/app/teen-account checked September 26, 2026
Backs: Audience
“Yuh 14+ ... you're between 14 and 17 and you're opening your first Swiss bank account”
- yuh.com/en/help/faq/pay checked September 26, 2026
Backs: Payout methods
“you can transfer money in 13 currencies ... to SEPA and IBAN countries. All you have to do is enter the bank details of the recipient (BIC and IBAN)”
- yuh.com/en/imprint checked September 26, 2026
Backs: Headquarters, Legal entity, Licences
“CH - 1196 Gland”
- yuh.com/en/pricing checked September 26, 2026
Backs: Free ATM withdrawals, Currencies, Features, Currency conversion fee, Exchange rate markup, Local account details, Minimum deposit, Pricing model, Monthly fee, Support channels, Transfer fee, Fee to send 1,000
“ATM withdrawal in Switzerland 1 free withdrawal per week ... 1.90 CHF per subsequent withdrawal”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Term, Minimum deposit, Deposit protection.
Related by the facts
Yuh
Free multi-currency banking for teens and anyone tired of monthly account fees.