It’s a wrap
with the Yuh payment app

We know your money’s secret to full bliss: a free Yuh Mastercard, real-time tracking and a multi-currency account. The Yuh payment app has it all!

Time to control your finances with the best payment app. Unleash your inner money manager and call the shots with your cash.

Create your free account

Yuh Pocket Insurance Illustration of a character holding an umbrella above gadgets and things it wants to protect.

Free Yuh Pocket insurance for your purchases

You know what? It’s OK if your phone, keys or wallet break or disappear. Yuh Pocket, automatically insures purchases made with your Yuh card free of charge (until 31.03.2025).

Learn more

Fee-free Yuh card

Our free Yuh Mastercard is a hottie with skills: it costs you 0.- and you can shop with complete clarity over what you pay.

Free

It costs 0 CHF!

No hidden fees

We keep all fees transparent

Your wallet in your phone and your watch

Convenience has a name. We call it Apple Pay, Google Pay, Samsung Pay and Swatch Pay. For fast, private and secure payments straight from your smartphone or your watch.

Compatible with eBill or TWINT

Better, faster, stronger! Pay your bills online simply by lifting a finger with eBill or use TWINT for instant and contactless payments wherever it suits you.

Multi-currency payment account: 1 IBAN, 13 currencies

Your multi-currency account has 13 pre-installed currencies under one single Swiss IBAN.

The virtual card, a fee-FREE spirit

Our virtual card is a weightless wonder that’s available as soon as you open your account. Activate it directly in your app. Just like its physical counterpart, it’s free.

Life in plastic?
Not fantastic!

100% digital, 0 plastic

3-D Secure

We support 3-D Secure at enabled online stores, which offers extra security. It’s up to the online vendor whether or not you encounter the 3-D Secure procedure.

Transactions in real-time

Your Yuh app has eagle eyes and will send you a push notification after every transaction.

Security first

Block or replace your card, change your PIN and access your account via the Yuh Key passcode.

Your assets are protected

We function like a regulated Swiss bank, including 100’000 CHF protection in case of bankruptcy.

Create your free account

A payment app without hidden fees

Nor in the depths of the fine print. We are fully transparent about fees and avoid them whenever possible.

Discover our pricing

Save up for your dreams

Next-level saving at Yuh

Be friends with your bills

A multi-currency account

Hello Wall Street & beyond

Learn to change your game

Future? We got your back

Swissqoins for the win

Get the app

Download the Yuh app from the App Store, Google Play Store or Huawei App Gallery.

Create your account

Enter your personal details and verify your identity in the app.

Top up your balance

Make your first deposit (spoiler alert: if you first fund your account with 500 CHF, you will receive 250 Swissqoins).

Get the app

Download the Yuh app from the App Store, Google Play Store or Huawei App Gallery.

Create your account

Enter your personal details and verify your identity in the app.

Top up your balance

Make your first deposit (spoiler alert: if you first fund your account with 500 CHF, you will receive 250 Swissqoins).

Still raising an eyebrow in doubt? Ask us about anything that’s keeping you from sleeping at night!

How do I activate my Yuh payment card?

Virtual card:

Follow these steps to activate your beautiful candy-coloured virtual card:

Open your app
Go to Pay>Card (top right of your screen) and swipe to the virtual card
Select Activate now and follow the steps in your app

Voila! Your card is now ready to roll online.

Want to use it in physical stores, too? Follow a few more steps in order to make that happen:

Download or open one of your payment apps on your phone
(Apple Pay, Google Pay, Samsung Pay)
Open the Yuh app
Go to Pay>Card (top right of your screen) and tap on Add to Apple/Google/Samsung Wallet or Pay

Aaaand there we go: Your card is now ready to use anywhere.

Physical card:

What’s that? You want a plastic card too? Like in the good old times? No problem, Yuh got it! Just follow a few easy steps:

Open your app
Go to Pay>Card (top right of your screen) and select your physical card
Select Activate now and it will be delivered to your doorstep in a few days

When you have that black gem in your hand, head right over to your Yuh app, tap once again on Pay>Card, select the physical card and we’ll tell you what to do.

Keep your card close to you as you’ll need to enter the last four digits of your card number and the expiry date. Insert your Yuh Key to validate the card and you are ready to use it straight away.

Wait, not straight away: Before making its maiden voyage to various POS terminals, you need to activate it by withdrawing cash or checking your balance at an ATM.

Happy shopping!

What are the fees related to currency exchange?

You already know that we keep our standards high and our fees low. The currency exchange fee is 0.95% for all the currencies available in the app. For currencies not included, the currency exchange fee is 1.5% when using the debit card abroad. Fees are already included in the exchange rate displayed in your Yuh app.

Can I make an international transfer on Yuh?

Whether you are renting a bungalow on the beach or reimbursing a friend abroad, nothing could be easier! With Yuh, you can transfer money in 13 currencies [CHF – USD – EUR – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD] to SEPA* and IBAN countries. All you have to do is enter the bank details of the recipient (BIC and IBAN) and choose the currency. It is as simple as that! Not only that—transfers in euros are free.

*What are the SEPA countries? The Single Euro Payments Area is a pan-European community which aims to make payments in the euro zone as easy and safe as national payments. Here is a list of SEPA countries: Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, the Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden, Switzerland, the United Kingdom and Vatican City.

How are my transactions on the internet protected?

Yuh payment cards support 3-D Secure, the internationally-recognised security standard for online payments by card.

Many online stores offer 3-D Secure, and you will be invited to register your card for this functionality upon your first online payment that requires 3-D Secure.

Once you have registered, you will then receive a code via SMS on your mobile phone to authenticate each online payment supporting 3-D Secure.

Wow, we said “3-D Secure” a lot there, didn’t we? 3-D Secure.

What’s the difference between transaction fees and exchange fees?

First, the short answer: Transaction fees are charged for each transaction you make, whereas exchange fees are charged each time you convert one currency to another. If this makes you gasp in horror, take a breath and read on – there’s good news at the end.

Transaction fees are a charge which banks apply each time they process a transaction. Chargeable either as a percentage of the transaction cost or as a fixed amount, these costs often sneak under your radar without you even realising!

Similarly, exchange fees are a percentage charged by banks when you need to convert one currency into another, such as when you’re abroad or shopping online from outside your home country.

With Yuh, you don’t pay any transaction fees on 13 currencies pre-installed in your account, and our currency exchange rate is only 0.95% … so you can relax and fully concentrate on making the most of your time abroad. See, we told you there was good news.

Why can’t I top up my Binance/Coinbase/Bitpanda account with the Yuh Mastercard anymore?