For newcomers to Switzerland, Yuh is an easy first Swiss account: free, usable in English, with a debit card and TWINT. Crypto comes second, and that is precisely its appeal. If your salary already lands on Yuh, you can buy CHF 10 or CHF 50 of bitcoin in two taps, pay a 1% commission and no custody fee. The coins are held by Swissquote Bank, a FINMA-licensed Swiss bank. For anyone who wants to put small amounts aside each month without worrying about seed phrases, it is a tidy way in.
Three groups should look elsewhere. First, anyone who wants to hold their own keys: Yuh does not mention transfers to external wallets anywhere. Second, anyone investing larger sums or trading often: at 1% per trade every move costs money, while exchanges and Swissquote get cheaper with volume. Third, anyone after stablecoins, staking or more obscure coins. This review is based on Yuh’s price list, product pages and FAQ, not on test purchases.
Who is behind Yuh and where your coins sit
Yuh launched in 2021 as a joint venture between Swissquote and PostFinance. In July 2025 Swissquote bought out PostFinance’s half, valuing Yuh at CHF 180 million. Yuh SA has since been wholly owned by the Swissquote group, which reports several hundred thousand Yuh accounts. One sentence on Yuh’s security page matters most: all banking and financial services in the app are provided by Swissquote Bank Ltd. Your counterparty for the account and the portfolio is therefore a bank directly supervised by FINMA. Our guide to FINMA crypto regulation explains what that does and does not cover.
On crypto, the detail is worth reading. According to Yuh, most coins are held directly by Swissquote in multi-signature wallets and offline storage. Only small amounts sit with Outside firms with which a custodian keeps part of its clients’ coins, usually to have liquidity on hand for trading.: Coinbase Inc., Bitstamp Europe S.A. and Payward Inc., the company behind Kraken. Through its SQX platform, Swissquote is both the main custodian and the liquidity provider.
What does that mean for you? If the custodian failed, Swiss law provides for crypto assets to be segregated from the bankruptcy estate. Yuh states openly, however, that this process cannot be fully guaranteed given the lack of case law and practice. The CHF 100,000 deposit protection applies to francs only. And you do not hold a private key; you hold a claim against the bank. If you prefer You keep the private keys yourself, for example on a hardware wallet. No provider can freeze, lose or hand over your coins., Yuh is the wrong tool.
Money in and out: francs, the post office, no TWINT
The Yuh account comes with a Swiss IBAN, and account management and transfers within Switzerland and Liechtenstein are free. You fund it by bank transfer, which takes one to three days according to the FAQ, or with cash at a Swiss Post counter using a QR slip from PostFinance’s generator. You then buy crypto from your franc balance, without converting to euros first.
A common misunderstanding concerns TWINT. Yuh does have its own TWINT feature, but it is for paying in shops and splitting bills with friends. Funding a crypto purchase with TWINT is not part of Yuh’s offer, and none of the other Swiss providers we checked accepts it directly either. The workarounds are covered in our guide to buying crypto with TWINT.
You can sell in the app at any time, weekends included, because Yuh trades crypto around the clock. The proceeds, minus 1%, land in your Yuh account, from where you can transfer them to any Swiss bank for free.
Worked example: CHF 1,000 of bitcoin
The cheapest route on Yuh is also the only one: transfer francs to the account, then buy bitcoin.
- Transfer from your bank to Yuh: CHF 0
- 1% commission on CHF 1,000: CHF 10
- Annual custody: CHF 0
- Total: about CHF 10, leaving roughly CHF 990 in bitcoin
The app shows before you confirm whether the commission is taken from the amount or added on top; the price list does not say. Yuh also does not show any The gap between the buying and selling price. It is not on any fee schedule, but you pay it on every trade. separately. Selling costs another 1%, so a round trip costs at least about 2%.
There is no card route for crypto on Yuh: you cannot top up the account with a credit card. For comparison, buying by card on Relai costs a 1% service fee plus a 3% card surcharge, about CHF 40 on CHF 1,000. When that premium can still make sense is explained on our page on buying crypto with a credit card. A small extra on Yuh: each trade earns 5 Swissqoin, worth about 10 centimes together at the last published redemption value.
Fees compared: Swissquote, PostFinance and Revolut
Yuh’s 1% is a flat rate with no tiers. Swissquote charges A maker places an offer in the order book; a taker accepts an existing one. Makers often pay less. fees that fall with your 30-day volume. PostFinance charges less per trade but adds an annual portfolio fee. Revolut takes 1.49% or a minimum fee on its Standard plan.
| Yuh | Swissquote | PostFinance | Revolut | |
|---|---|---|---|---|
| Fee per trade | 1% | 1.00% down to 0.08% | 0.95% down to 0.55% | 1.49% (Standard) |
| Custody | free | CHF 20–50 per quarter | 0.15% per year | not separate |
| Minimum | CHF 10 | not published | USD 50 | minimum fee from €0.99 |
| Number of coins | 50 | 55 | 22 | not confirmed |
| Withdrawal to own wallet | not mentioned | USD 10–15 | not confirmed | not confirmed |
For small amounts Yuh holds up well. Keep CHF 5,000 in crypto at PostFinance and you pay about CHF 7.50 a year in portfolio fees; on Yuh you pay nothing. At Swissquote a first purchase also costs 1%, plus the account-level custody fee, but from USD 6,000 of 30-day volume the rates fall and you can move coins to your own wallet. See our Swissquote review and Revolut review for the detail, the latter being relevant if you already bank with Revolut.
Coins, savings plans and what is missing
Yuh advertises 50 tokens but does not publish the list on its website; it is only visible in the app. A Swiss personal-finance site listed 48 coins, including bitcoin, ether, Solana, Cardano, Polkadot, Chainlink, Dogecoin, Shiba Inu and Pepe. Stablecoins such as USDT and USDC were not on that list, and nor was Pi. Older and newer third-party lists disagree on XRP. Check the coin you want in the app before sending money.
Three things are missing from the official crypto page altogether: staking, crypto savings plans and transfers to external wallets. According to the price list, free recurring buys apply only to selected ETFs. One third-party source mentions crypto savings plans, but we could not confirm this on Yuh’s own pages. If you want rewards for holding, our guide to crypto staking in Switzerland lists providers that offer it explicitly.
One quirk is Swissqoin (SWQ), an Ethereum-based token that Yuh hands out as a reward: 250 SWQ for a first deposit of CHF 500, 5 SWQ per trade and 0.5 SWQ per card payment. Its redemption value is recalculated every year from a share of Yuh’s profit and has so far amounted to only a few centimes per SWQ. Treat it as a loyalty scheme, not a reason to open an account.
Beyond crypto, Yuh offers shares and ETFs from 0.50% brokerage and a pillar 3a with five strategies at 0.50% all-in per year. According to the product page, none of the 3a strategies includes crypto. If you would rather hold bitcoin through a product listed on SIX, read our guide to crypto ETPs.
Taxes: an eTax statement for CHF 25
For private investors in Switzerland, capital gains on crypto are tax-free, but the coins are subject to wealth tax at their value on 31 December. Yuh provides account statements, an interest statement and portfolio performance for free. The more convenient option is the electronic tax statement, ordered in the app under Documents for CHF 25, which mainstream cantonal tax software can import. According to a Swiss personal-finance blog it includes crypto positions and takes up to ten days to arrive. How to declare coins correctly is covered in our guide to declaring crypto on your tax return.
Pros and cons
What works
- Crypto from CHF 10 straight from your franc balance, no currency conversion
- Flat 1% per trade with no custody or portfolio fee
- Custody at Swissquote Bank, a FINMA-licensed Swiss bank
- Electronic tax statement available in the app for CHF 25
- Cash top-ups at Swiss Post counters with a QR payment slip
Watch out for
- The list of 50 tokens is not published on the website
- Transfers to external wallets not mentioned on the crypto page
- No staking and no confirmed crypto savings plans
- No volume discounts: CHF 50,000 also costs 1% per trade
- No crypto funding by TWINT or credit card
Opening an account and buying your first bitcoin
According to the FAQ you need to be at least 18, live in Switzerland and hold an identity card or passport. Foreign nationals living in Switzerland also show their residence permit, so a B or C permit holder can open an account like anyone else. Residents of some neighbouring countries must make a first deposit of at least CHF 500 or EUR 500.
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Download the app
Install Yuh from the App Store or Google Play and start the sign-up. The app is available in English.
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Verify your identity
Enter your personal details and have your passport or ID and, if applicable, your Swiss residence permit ready. The app guides you through the identification step by step.
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Fund the account
Transfer francs from your bank to your Yuh IBAN or pay in cash at a post office. For larger amounts, questions about the source of funds are possible.
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Pick a coin
Search for the token in the app’s investing section. If it does not appear, it is not one of Yuh’s 50 tokens.
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Set the amount and confirm
Enter at least CHF 10, check the 1% commission shown and confirm. The trade executes immediately.
A valid ID and your Swiss address are usually all you need. Yuh’s FAQ does not ask for a separate proof of address, but questions about where your money comes from are routine at Swiss banks once larger sums arrive.
Looking for an alternative with card purchases and a wider choice of coins?
Operating since 2013Group registered with FinCEN (US) and the FCA (UK)
Alternatives to Yuh
If you want to stay with the Swissquote family but have more control, Swissquote itself offers 55 cryptocurrencies, staking on some coins and withdrawals to your own wallet. PostFinance customers can buy 22 coins directly in e-finance, see crypto at PostFinance. For bitcoin savers who want their own keys, Relai and Pocket are the obvious Swiss apps: both send coins straight to your wallet, Pocket with no minimum amount, as our Pocket Bitcoin review explains. For the full picture, see our comparison of crypto apps in Switzerland.
Swissquote
Swissquote crypto review: 55 coins at a FINMA-licensed bank in Gland, fees from 1.00% down to 0.08%, custody fee CHF 20–50 a quarter and staking at 20%.
Relai
Relai review: Zurich bitcoin app with a 1% fee, a CHF 50 minimum and a CHF 100,000 yearly cap. What the savings plan costs and how Pocket and DFX compare.
Kraken
Kraken review for Swiss residents: free CHF deposits via SIC from CHF 1, Pro fees from 0.40%, Pi against euros, 30% staking commission – and a BVI contract.
Crypto wallets
BitBox from Adliswil, Trezor from CHF 49, Ledger, Tangem from Zug: which crypto wallet suits whom, how to store your seed phrase, and the Swiss travel rule.
