Here’s the deal: Yuh is the result of a joint venture between two renowned Swiss financial institutions: Swissquote and PostFinance. Yuh itself is not a bank. The banking and financial services offered in the Yuh app are provided by Swissquote, which is authorised by FINMA, the Swiss Financial Market Supervisory Authority. In this framework, you benefit from all the protections provided by the Swiss banking law and other Swiss financial laws, including the 100’000 CHF protection in case of bankruptcy, and banking secrecy. Our focus is to offer affordable services packed into a convenient mobile app. And also to tell you that we think you’re just great.

Yuh charges no fees whenever possible, and low fees when necessary. In all cases, you can rely on full transparency. Check out our pricing list here.

To open a Yuh account, you must:
– be 18 or older
– reside in one of the countries listed here
– NOT be a “US Person” (citizen or permanent resident of the United States)
– have an ID or passport as well as a proof of residency (utility or mobile bill)
– make a first cash deposit from a bank account held under your name
– find the key to the ancient tomb of Quetzalcoatl by midnight on the next full moon

(That last one’s not actually necessary.)

Jackpot time! You can fund your account via bank transfer using the following details:

Beneficiary Bank: Swissquote Bank
Final Beneficiary: your surname and first name
IBAN: your personal IBAN
SWIFT: SWQBCHZZXXX

You’ll receive an email with your account information during the signup process. You can also find your IBAN in the app under the Account tab.

In a secret vault hidden deep within the centre of the earth, below the planet’s magma core, accessible only by trained moles who have lava-proof armour – okay, okay, that’s not true. The funds on your Yuh account are deposited at Swissquote Bank Ltd in Switzerland. Your money is legally protected up to 100’000 CHF and you benefit from security of a regulated Swiss bank. Easy.

The Yuh Key is a passcode of at least 6 digits that gives you access to your Yuh account.

You set up this passcode during the account opening process. The Yuh Key is not your debit card PIN code.

You are prompted to enter the Yuh Key:

• to log into your Yuh account for the first time (or on a new device)
• to make payments through the app
• for the initial activation of your debit card
• to display your debit card details
• when changing sensitive personal information in the app (such as choosing a new debit card PIN number)

After you have linked your device to your account with your Yuh Key, you can simply log into the app by using your preferred unlock method for your device (biometric, pattern, passcode, or other).

Your Yuh Key is a six digit numeric code that you picked when you signed up with us. It’s like your personal password that only you know. It’s super important to keep it safe and secret.

If you don’t remember it please call our customer care center on +41 44 825 87 89. You will be sent a new one-time Yuh Key. You will be then requested to choose a new Yuh Key for security reasons.

Yes, we charge 25 CHF. However, you can still file your taxes for free using the tax-related documents available in the document inbox in the app.

Here are the details:

🇨🇭 🇪🇺 : For all Yuhsers who have received dividends from their investments– we provide the withholding tax statement free of charge.

🇨🇭 : For Swiss residents only – with cash or active investments – we offer an eTax statement for a fee of 25 CHF.

To generate a CSV file, go to the ‘Account’ section, select the ‘Documents’ item, and then select ‘Request’ (top-left on iOS) or ‘REQUEST DOCUMENT’ (bottom right on Android) button, and tap the ‘Account activities export’ option and then the ‘Next’ button. Next, select your desired export filter options and follow the options through until you are taken to the Documents section where your CSV file will be added once it has been generated.

Here’s the deal: Yuh is the result of a joint venture between two renowned Swiss financial institutions: Swissquote and PostFinance. Yuh itself is not a bank. The banking and financial services offered in the Yuh app are provided by Swissquote, which is authorised by FINMA, the Swiss Financial Market Supervisory Authority. In this framework, you benefit from all the protections provided by the Swiss banking law and other Swiss financial laws, including the 100’000 CHF protection in case of bankruptcy, and banking secrecy. Our focus is to offer affordable services packed into a convenient mobile app. And also to tell you that we think you’re just great.

Yuh charges no fees whenever possible, and low fees when necessary. In all cases, you can rely on full transparency. Check out our pricing list here.

We like to keep the Yuhniverse digital only. Yuh doesn’t have any subsidiaries or bank counters. What’s more, we don’t speculate with your money and use it wisely where it matters.

Don’t worry, the Yuh app will remain free in the future. We’ll continue with mini-fees or none at all. We’ve listened to our Yuhsers and taken their wishes to heart. And because we stick to our promises, we aren’t planning to add flat-rate packages to our product range at the moment.

To open a Yuh account, you must:
– be 18 or older
– reside in one of the countries listed here
– NOT be a “US Person” (citizen or permanent resident of the United States)
– have an ID or passport as well as a proof of residency (utility or mobile bill)
– make a first cash deposit from a bank account held under your name
– find the key to the ancient tomb of Quetzalcoatl by midnight on the next full moon

(That last one’s not actually necessary.)

Jackpot time! You can fund your account via bank transfer using the following details:

Beneficiary Bank: Swissquote Bank
Final Beneficiary: your surname and first name
IBAN: your personal IBAN
SWIFT: SWQBCHZZXXX

You’ll receive an email with your account information during the signup process. You can also find your IBAN in the app under the Account tab.

In a secret vault hidden deep within the centre of the earth, below the planet’s magma core, accessible only by trained moles who have lava-proof armour – okay, okay, that’s not true. The funds on your Yuh account are deposited at Swissquote Bank Ltd in Switzerland. Your money is legally protected up to 100’000 CHF and you benefit from security of a regulated Swiss bank. Easy.

Via the PostFinance QR-Generator by going to your local Post office. Follow the steps by clicking onto this  link. The only fly in the ointment is that the Post may charge a small fee for this service. You can find the information on the generation of a QR-bill in your app under: Pay > Add funds. The process usually takes one to three days.

The Yuh Key is a passcode of at least 6 digits that gives you access to your Yuh account.

You set up this passcode during the account opening process. The Yuh Key is not your debit card PIN code.

You are prompted to enter the Yuh Key:

• to log into your Yuh account for the first time (or on a new device)
• to make payments through the app
• for the initial activation of your debit card
• to display your debit card details
• when changing sensitive personal information in the app (such as choosing a new debit card PIN number)

After you have linked your device to your account with your Yuh Key, you can simply log into the app by using your preferred unlock method for your device (biometric, pattern, passcode, or other).

Your Yuh Key is a six digit numeric code that you picked when you signed up with us. It’s like your personal password that only you know. It’s super important to keep it safe and secret.

If you don’t remember it please call our customer care center on +41 44 825 87 89. You will be sent a new one-time Yuh Key. You will be then requested to choose a new Yuh Key for security reasons.

Done with TWINT? For us, it’s at least as heartbreaking as discovering your favourite pair of socks has a hole in it. But we get it, sometimes it’s better to part ways.

Our Customer Care heroes can close your account for you. Just give them a call.

Remember, if you ever miss the thrill of TWINT-ing, we’ll welcome you back with open arms.

It’s all fun and games until you get that grey letter from the taxman, isn’t it? Relax, Yuh provides you with all the documents you need to file your tax return. Under Account > Documents, you can access your regular account statement, withholding tax statement, portfolio performance and interest statement.

If you live in Switzerland, you can order your eTax statement for 25 CHF. Click on Account > Documents > Request (or Request document on Android), and trust us, filing your taxes won’t be a thorn in your side anymore.

The annual tax certificate for your pillar 3a account with Yuh is generated in the middle of January, if not before. You can find the certificate in the pillar 3a area under Overview > Statements.

Under Swiss law, as a financial institution, we are required to disclose your tax identification number to the Swiss tax authorities under certain circumstances.

To update your tax ID, open the app and tap Account > Account settings > Tax residencies and follow the steps.

For more information about tax compliance and why the Swiss authorities need your tax ID, visit this dedicated page.

An eTax statement is a tax statement in PDF format with barcodes that allows you to import your bank account information directly into your online tax return. It’s quicker and more accurate than entering the information by hand. The only drawback? It’s only available to Swiss residents.

eTax statements are designed for people who live in Switzerland and file an individual tax return. It’s particularly useful if you have a lot of investments.

No. However, you can file your taxes using the tax-related documents available in the document inbox.

Yuh doesn’t distribute printed copies of the eTax statement. If you manage to obtain a paper version of the document by any means, you will need to enter the information from that statement manually, as scanned versions of eTax statements cannot be uploaded to online tax returns.

Yes, we charge 25 CHF. However, you can still file your taxes for free using the tax-related documents available in the document inbox in the app.

Here are the details:

🇨🇭 🇪🇺 : For all Yuhsers who have received dividends from their investments– we provide the withholding tax statement free of charge.

🇨🇭 : For Swiss residents only – with cash or active investments – we offer an eTax statement for a fee of 25 CHF.

All Yuhsers receive their annual statement, portfolio performance and interest statement automatically in their inbox at the beginning of the year.

In addition, Yuhsers who have received dividends on their investments will also receive a coupon/dividend and withholding tax statement in their document inbox.

The annual tax certificate for your pillar 3a account with Yuh is generated in the middle of January, if not before. You can find the certificate in the pillar 3a area under «Overview» > «Statements».

To generate a CSV file, go to the ‘Account’ section, select the ‘Documents’ item, and then select ‘Request’ (top-left on iOS) or ‘REQUEST DOCUMENT’ (bottom right on Android) button, and tap the ‘Account activities export’ option and then the ‘Next’ button. Next, select your desired export filter options and follow the options through until you are taken to the Documents section where your CSV file will be added once it has been generated.

The CSV file generation feature allows you to export your account transactions or other financial data into a CSV format that can be opened in spreadsheet applications such as Excel, Google Sheets, or Numbers. However, please note that we have optimised the format for Excel and it may not be compatible with other tools.

Yes, we do not allow a time period of more than 18 months. If you need a longer time period, then you should generate multiple files to cover the desired time period.

Yes, your data is protected by the same security measures used throughout the application. However, once exported, the security of the file depends on how you store and share it.

If you’ve downloaded a CSV file from our app and it doesn’t display correctly in Excel— for example, the data is all in one column or the layout looks messy—this could be due to a difference in the way Excel separates the information. Excel uses something called a «separator» or «delimiter» to organise the data into columns. Sometimes, depending on your region or your Excel settings, the app and Excel may use different separators (commas vs. semicolons), causing the file to display incorrectly.

Here’s how to fix this:

Step-by-step instructions for Windows:

1. Open Excel and create a new, empty worksheet.
2. Go to the Data tab on the top menu and click on From Text/CSV.
3. Locate and select the CSV file you downloaded from the app.
4. A window will open, showing a preview of your data. If everything looks messy, look for an option called Delimiter.
5. Try changing the delimiter option from Comma to Semicolon. This will help separate the data into columns correctly.
6. Once the preview looks right, click Load to view the data in Excel.

Step-by-step instructions for Mac:

1. Open Excel and create a new, empty worksheet.
2. Go to the Data tab, click on Get External Data and select Import Text File.
3. Select the CSV file you downloaded from the app.
4. When the import window opens, look for the option that says Delimiter. If your data looks incorrect, try changing the delimiter from Comma to Semicolon.
5. Once the preview looks correct, click Finish to import the data.

Optional fix: Adjust your system settings

If you encounter this problem frequently, you can change your system settings so that Excel automatically uses the right separator:

For Windows:

1. Open Control Panel > Clock and Region > Region.
2. On the Formats tab, click Additional Settings.
3. Look for an option called List Separator. Change it to Semicolon (or the separator you need) and click OK.

After following these steps, your data should appear in the correct columns.