Yuh Savings Account
Yuh
Overall Rating
Account Mgmt
No fee
Interest Rate
0.00%
Currency
CHF
Our Take on Yuh Savings Account
0% interest. Literally zero. Yuh's savings account pays you nothing.
The Yuh Savings Account ranks #30 among Switzerland's 31 savings accounts. Backed by Swissquote, it's a digital savings product that offers zero interest. In a market where even low rates mean something, 0% is a bold position. Here's whether there's any reason to use it.
What Does 0% Actually Mean?
Let's be direct: your money earns nothing here. On CHF 100,000 parked for a year, you get CHF 0 in interest. At the top-ranked savings account, you'd earn CHF 1,000 on the same amount. The opportunity cost is real and measurable.
No account fees either, so you're not losing money. You're just not gaining anything. In a 1% inflation environment, your purchasing power declines by CHF 1,000 per year on that same CHF 100,000. Zero interest means you're slowly losing ground.
What Actually Stands Out
The Yuh ecosystem is the real story. If you already use Yuh for everyday banking and investing, the savings account is a convenient cash parking spot within the same app. No additional setup required.
Yuh is backed by Swissquote, a FINMA-regulated Swiss online bank. Your deposits are covered by Swiss deposit insurance up to CHF 100,000. No withdrawal limits, no notice periods, no minimum deposits. Maximum flexibility, zero returns.
What Most Reviews Miss
Residency restrictions apply. Only available to residents of Switzerland, Germany, France (with restrictions), Italy (with restrictions), Austria, and Liechtenstein. Not suitable for payment services.
The bigger question: why use a savings account that pays 0% when you could earn 0.50% to 1.00% elsewhere? The answer is convenience within the Yuh app. If that convenience is worth CHF 500+ per year in foregone interest on CHF 100,000, that's your call.
The Bottom Line
There's almost no reason to use this as your primary savings account. The 0% rate puts it among the worst in Switzerland. If you're in the Yuh ecosystem and need a quick parking spot for cash between investments, fine. Otherwise, move your savings somewhere that actually pays you. Explore options in our best savings accounts in Switzerland comparison.
Verdict: Zero interest means zero reason to save here unless you're already deep in the Yuh ecosystem.
Pros
- No annual fees
- No minimum deposit required
Cons
- No interest on savings
- Age restriction: From age 18
Account Details
At a Glance
Account Mgmt
No fee
Interest Rate
0.00%
Debit Card Fee
—
Currency
CHF
Fees & Costs
Fees & Costs
Account Opening Fee
No fee
Account Mgmt
No fee
Debit Card Fee
—
Banking Features
Banking Features
Mobile Banking
Not available
Online Banking
Not available
Key Features
- Free account management
- No annual fee for debit card
- Low minimum deposit requirement
Age Requirement
From age 18
Withdrawal Terms
Withdrawal Terms
Account Closure
Free of charge
Additional Information
Additional Information
- Not suitable for payment services
- Only for Swiss residents
Rating by Category
Compare to Similar Accounts
Frequently Asked Questions
- Wait, the savings rate is really 0%?
- Yes, 0.0% per year. Yuh's 'savings' account is more of a sub-account for mental separation than a yield product. The pitch is keeping spending money and a stash visually separate inside one app, not earning interest. If you want yield, look at Yuh's investment products or move to a bank with a real rate.
- Who can open a Yuh account?
- Residents of Switzerland, Germany, France, Italy, Austria, and Liechtenstein. That cross-border opening is rare; most Swiss savings accounts are limited to CH residents only. Useful for cross-border workers, students abroad, or families with a foot in two countries. Note: France and Italy have additional restrictions, so check Yuh's onboarding flow.
- Are there any withdrawal limits or notice periods?
- None at all. Move money to your Yuh main account or out to another bank whenever. Combined with the 0% rate, the account behaves more like a labeled drawer than a savings product. Pure organization tool.
How We Rated This Account
Wondering why Yuh Savings Account got its score? We rate Savings Accounts accounts using a weighted formula. Here's what counts.
Same formula for every account in this category. No exceptions.
Ready to Open?
Open the Yuh Savings Account today and start enjoying its benefits.