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!

Not at the moment, but did you know that eBill lets you register and manage your bills online? Best of all, most billers – such as telecoms, insurance, utilities, charities, subscriptions and more – are already on board.

You can change your PIN code directly in the app! To do so, go to the “Pay” section of your app, click on “card” and then go to card settings. There you’ll find the option to change your PIN code. To confirm your PIN code, you need to make a withdrawal from an ATM.

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.

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.

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.

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.

International transfers in EUR within the SEPA area are free. In other currencies, we charge 4 CHF. Bank transfers within Switzerland and Liechtenstein are free in the 13 currencies available in the app. But, there is a “but”… Yuh is not responsible for any fees charged by the receiving bank. A bit of research on your part could help you avoid any additional fees.

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!

You can change your PIN code directly in the app! To do so, go to the “Pay” section of your app, click on “card” and then go to card settings. There you’ll find the option to change your PIN code. To confirm your PIN code, you need to make a withdrawal from an ATM.

Please consult the full pricing table available here. No need to brace yourself – it’s all very reasonable.

You don’t have to lift a finger; your benefits are automatically applied. When you make any purchase in one of the currencies supported by your account, you will not incur any additional fees. If you already have funds in that currency on your account, the transaction amount will simply be debited from those. Otherwise, the amount will be debited from your most-funded currency by applying the day’s advantageous Yuh exchange rate.

When making purchases in a currency which is NOT included in your Yuh account, we will debit your account in your card’s reference currency* and fees will apply (1.5%).

* The card reference currency is determined by your country of residence when you opened the account (for Swiss residents, it is CHF).

The contactless limit is 80 CHF/EUR/USD (or equivalent) of accumulated purchases made without entering your PIN code.

However, from time to time you may be asked to enter your PIN code for purchases under 80 CHF. Not to test your memory (although that’s a helpful side effect) … but for security reasons to help prevent fraud.

You will always need to enter your PIN code for single purchases totalling over 80 CHF.

Additionally, you will need to enter your PIN code:

after ten contactless payments in a row, or
whenever the cumulative amount of contactless purchases in a row exceeds 500 CHF/EUR/USD. For example, if you have made eight purchases of 50 CHF and then two of 25 CHF using the contactless method, you will not be able to make another contactless purchase of 60 CHF, because the limit of 500 CHF has been reached.
Once you enter your PIN, the limit resets.

Step 1: DON’T PANIC! We’re here for you. If you discover that your card has disappeared or been stolen, you can put a temporary hold on it to prevent any unauthorised use or monetary mischief. Simply login to your Yuh app, head to the Pay tab, then tap Card, then Card Settings, and lock your card.

If you happen to find your card down the back of the couch or hiding underneath the cat, you can easily unlock it in the same way. If you suspect your card has been stolen, while we wait for karma to catch up with the thief, let us know by calling the Customer Care Center on +41 44 825 87 89, so we can commiserate and issue you a new card.

When you order a new physical card, we charge a small fee of 20 CHF.

For all you jet-setters, withdrawals are available in most countries. A fee of 4.90 CHF/USD/EUR or equivalent) in transaction currency applies outside of Switzerland. Withdrawals are not possible and card payment services may be considerably restricted in the countries listed below.

Afghanistan
Bangladesh
Belarus
Burundi
Cameroon
Central African Republic
Chad
Cuba
Democratic Republic of Congo
Djibouti
Eritrea
Guinea
Guinea-Bissau
Iran
Iraq
Lebanon
Libya
Mali
Nicaragua
Nigeria
North Korea
Pakistan
Republic of Congo
Russia
Somalia
South Soudan
Sudan
Syria
Uganda
Ukraine
Venezuela
Yemen
Zimbabwe

Yes, you can always pay in the local currency even if you don’t have any in your account (we strongly recommend this option whenever you pay at a terminal). For example, if you pay in euros when travelling to Berlin, but you do not have any euros in your account, Yuh will instantly exchange the currency you hold the most of, for the standard fee.

Due to compliance reasons, the Yuh Mastercard can no longer be used with cryptocurrency providers. Thank you for your understanding.

The setup is easy as pie:

• On your iPhone, open the Yuh app and go to the Pay section.
• Then, tap on “Card” and select “Add to Apple Wallet“.

Follow the steps and there you go, you linked your card to Apple Pay!

As long as you connect your phone through the Yuh app and use the same credentials, any other device should be detected and you could link your card to them.

Safer than Azkaban! When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring that all purchases are private.

You can use Apple Pay on your iPhone or Apple Watch.

*For a list of compatible Apple Pay devices, see this webpage.

Where can you not? Use Apple Pay wherever you see one of these symbols:

Forgetting about touching buttons or handling cash.

To pay with Face ID, double-click the side button on your iPhone, glance at your screen, then hold it near the reader.

For Touch ID, hold your iPhone near the reader with your finger on the Touch ID.

On Apple Watch, double-click the side button and hold the Apple Watch up to the reader.

In short, you can pay without having to create an account or fill out lengthy forms. Apart from that, you can pay like this:

In Safari on your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID.

To pay on websites in Safari with your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch.

On MacBook Pro, pay using Touch ID on the Touch Bar.

The setup is as easy as pie:

• On your Phone, open the Yuh app and go to the Pay section.
• Then, tap on “Card” and select “Add to Google Wallet“.

Follow the steps and there you go, you linked your card to Google Wallet!

Safer than Azkaban! When you make a purchase, Google Pay uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Google Servers, and it can’t be shared with merchants. Google Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

You can use your Android smartphone or smartwatch running the Wear OS software.

Where can you not? Use Google Pay wherever you see one of these symbols:

Forgetting about touching buttons or handling cash.

In order to perform a transaction, you first need to unlock your phone either by entering your PIN, fingerprint or face recognition. Once your phone is unlocked, you can hold it near the reader and – bada bing – it’s done.

The setup is as easy as pie:

• On your smartphone, open the Yuh app and go to the Pay section.
• Then, tap on “Card” and select “Add to Samsung Wallet”.

Follow the steps and there you go, you linked your card to Samsung Wallet!

Safer than Azkaban! When you make a purchase, Samsung Wallet uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Samsung servers, and it can’t be shared with merchants. Samsung doesn’t keep transaction information that can be tied back to you, ensuring that all purchases are private. On top of that, it’s secured by the Knox framework, which constantly monitors and protects your device from malware.

Samsung Wallet is compatible with Galaxy S22 S21 5G, S21+ 5G, S21 Ultra 5G, Note20, Note20 Ultra, S20, S20+, S20 Ultra, Note10+, Note10 5G, S10, S10+, S10e, S10 5G, Note9, S9, S9+, Note8, S8, S8+, Z Flip 5G, Z Fold2 5G, Fold, Z Flip, A51, A51 5G, A50 and A71 5G

Where can you not? Use Samsung Wallet wherever contactless payments are accepted.

Open Samsung Wallet on your phone and let the fun begin.

Samsung Wallet can be accessed in a few ways:
• Swipe up on your phone’s screen to open the App screen, and then navigate to and tap Samsung Wallet.
• If you have the Quick access shortcut enabled, you can swipe up from the bottom of your phone’s screen to open Samsung Wallet. If Samsung Wallet keeps opening by accident, you can turn off the Quick access shortcut. Open Samsung Wallet, and then tap Menu (the three horizontal lines). Tap Settings, tap Quick access, and then tap your desired switch to turn it off.

To enter payment mode, tap the Fingerprint or Iris button if you have Samsung Wallet secured with the biometric sensor, or the PIN button if you want to enter your PIN. If you have it secured via the fingerprint sensor, simply tap the sensor with your finger and the payment mode will start up. Then, touch the back of the phone to the payment terminal or card machine.

Beep, beep! Guess what? eBill is as free as a (Swiss) bird. It only costs you the effort it takes to approve your bill payments by clicking on the dedicated button.

Log in to your Yuh app and go to the eBill section. From there, you’ll be guided to set it up.

Are you saying we’re not your one and only financial services provider (sob, sob)? Just kidding… of course you can link your account. To do so, you just need to click to say you already use eBill during the registration process.

• Option 1: Look up the invoice issuer via the issuer search on the eBill portal.
• Option 2: Enter a payment just like you usually do in the payment section of the Yuh app. If the invoice issuer offers eBill, you’ll be magically notified and can proceed to registration.
• Option 3: There’s a supernatural function which adds issuers automatically. If this sounds good to you, just activate it by clicking “Add invoice automatically.”

First of all, access the eBill portal, then choose the bill you want to approve automatically. Select “Standing approval” and define the conditions for it. And voilà: Your bills will pay themselves, like a miracle.

Yuh TWINT is as free as a walk in the park. Whether you’re treating yourself in a shop or sending money to another TWINT user, transactions with the Yuh TWINT app are free. In exceptional cases, some partners might charge fees for things like cash withdrawals or ticketless parking.

“Easy” is TWINT’s middle name. Just download the app from the App Store or Google Play, and when you open it for the first time, you’ll be guided through the registration process.

You can’t use it on more than one device at a time. To quote Homer Simpson: D’oh! However, if you want to use the app on different devices, you need to log in again on each device to sign in to your existing account

Yes, you can! There’s a “but,” though: If you are using more than one TWINT app, make sure you select one of them as the default app for receiving and/or sending transfers. This can be easily done in the TWINT app settings. Learn more.

Yes! Or, as Obama would have put it, yes we can! The TWINT app can be installed and used multiple times on the same phone, for example, if you want to use the TWINT prepaid app and the Yuh TWINT app. Or if you have accounts with two different banks, you can install and use TWINT apps for both of them. Just don’t forget to pick one as the default app for receiving transfers.

Don’t worry! Our team of superheroes in Customer Care will come to your rescue. Just get in touch with them on +41 44 825 87 89.

It’s easy to change your phone number in the app. Just open the Yuh TWINT app and go to “Settings” > “Personal details” by tapping on the three dots or lines in the top left or right corner. You can enter your new phone number there. TWINT will need to re-confirm your identity when you make changes to your personal information. When changing your phone number, you will receive a code by SMS, which the app will ask you to enter to make sure that the new number is correct.

The maximum monthly spend is 5’000 CHF. This amount is divided into the amount that you can send to your contacts (up to 2’000 CHF) and the amount that you can use to make purchases (up to 3’000 CHF). The maximum monthly amount you can receive is 4’000 CHF. Every transaction with the Yuh TWINT app has a limit of either 2’000 CHF when sending money to your contacts or 3’000 CHF when making purchases.