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Why I use Yuh in 2026 (in addition to my UBS account)

Philippe AIMÉ

Updated on: March 13, 2026

Neobanks have taken an important place in the Swiss banking landscape in recent years. Yet many Swiss citizens and residents in Switzerland still use a traditional bank as their main account.

That is also my case. My main bank is UBS, but I have also been using the Swiss neobank Yuh for several years for certain specific operations.

Everyday payments, managing multiple currencies, simple investments, or earning interest on cash: the app offers several practical features that complement a traditional bank very well.

In this article, I explain why I still use Yuh in 2026, in which situations I use it in practice, and what its limitations are as well.

Why UBS remains my main bank

Even though I now use a neobank on a daily basis, my main bank remains UBS. It is the account that serves as the central hub for managing the family’s finances.

My joint account is with UBS, as well as my children’s accounts, which allows me to have a complete overview of the family’s financial situation within a single application. For this type of organization, a traditional bank remains very practical.

💰 My salaries are paid into UBS, which naturally makes it the main account for managing income and the household’s major expenses.

From this account, I also manage most of the recurring payments related to everyday life, such as:

• certain invoices via eBill, such as those from Sunrise
• condominium charges
• health insurance payments
• tax prepayments
• various household-related bills.

UBS therefore mainly serves as the central account for managing family expenses.

I also use a EUR account at UBS, which remains practical for certain operations in euros.

✈️ I have also chosen the UBS me Platinum package, in its family package version. The official price is CHF 60 per month, but UBS applies in my case a CHF 10 discount linked to the assets held, which brings the real cost down to around CHF 50 per month, or CHF 600 per year.

This package includes several services that would normally be billed separately, such as the Platinum credit card, debit cards, certain e-banking fees, or standing orders.

UBS Platinum Package

It also includes access to airport lounges via Priority Pass, which can be appreciated when traveling.

Expenses made with the credit cards also allow you to accumulate KeyClub points, which I often use in the form of Migros gift cards, partially offsetting the cost of the package.

For all these reasons — family management, salary reception, recurring payments, and certain premium services — UBS remains my main bank today.

But for many everyday operations, especially payments and expense tracking, I prefer to use the neobank Yuh, which is much simpler and more immediate.

Why I also use the neobank Yuh

While UBS remains my main bank for household management, I very often use Yuh for everyday operations.

The first reason is simply the user experience. The app is much simpler and more pleasant to use. Each payment appears immediately in the app, with an instant notification and a clear overview of expenses.

With UBS, expense tracking is often less direct. For example, when paying with a UBS credit card, transactions first appear on the card account, then in the monthly statement. To get a full overview of spending, you sometimes have to navigate between several screens.

With Yuh, everything is much simpler: one single debit card, and all transactions appear immediately in the application.

📱 Everyday payments

For payments in stores or online, I very often use Apple Pay with the Yuh card. Payment notifications are instant, allowing you to immediately confirm that a transaction has been completed.

💸 TWINT

For peer-to-peer payments, I also use Yuh TWINT. The integration is simple and works very well for sending or receiving money quickly.

🏧 Cash withdrawals

To withdraw cash, I also regularly use Yuh. The card allows one free withdrawal per week at any ATM in Switzerland.

With UBS, free withdrawals are generally limited to UBS ATMs with the debit card, which is slightly less flexible.

💱 Foreign currency payments

For payments in foreign currencies, I also prefer using Yuh rather than UBS. Traditional banks often apply relatively high fees for foreign payments.

Yuh is more competitive on this point, although it is not the cheapest solution on the market. I explain currency exchange fees and foreign payments in more detail later in this article.

📦 Receiving money easily

I also often use Yuh when I need to receive a payment, for example after a sale on Ricardo.ch. The money arrives directly in the account and the transaction appears immediately in the app.

👨‍👩‍👧 My children also use Yuh

Another interesting point is that my children have also opened an account with Yuh.

The bank offers Yuh 14+, a service that allows teenagers to open an account from 14 years. They can therefore have their own card and use the app to manage their spending.

In practice, this works very well for small everyday expenses or payments between friends, while allowing them to learn how to manage their money directly from their smartphone.

📈 Investing with Yuh

Yuh also allows you to invest directly from the app, which is convenient when you want to quickly buy a stock or ETF from your smartphone.

The interface is simple and investments can be made in just a few clicks, directly from the balance available in your account.

Later in this article, I explain how to invest with Yuh, as well as the fees and available options.

A much simpler app for tracking expenses

One of the aspects that really makes the difference between a traditional bank and a neobank is how you view and understand your expenses.

📱 An immediate view of transactions

With Yuh, every transaction appears immediately in the app. As soon as a payment is made, you receive a notification and the amount is instantly visible in the account history.

This allows you to know immediately how much money remains in the account and keep an eye on spending without searching through multiple menus.

Yuh – Transaction view

💳 How credit cards work in traditional banks

With UBS, things work differently when using a credit card. Transactions first appear on the card account, then they are grouped in a monthly statement.

To track all expenses, you sometimes need to:

• check the current account
• verify the card account
• or wait for the monthly credit card statement.

This system is perfectly normal in a traditional bank, but it makes expense tracking less intuitive in everyday life.

📊 A clearer transaction history

With Yuh, all transactions appear in a single feed, directly in the application. The history is clear and it is easy to find a recent payment or a specific expense.

This ease of use may seem like a small detail, but in daily life it makes a real difference. You open the app for a few seconds and immediately understand the state of your spending.

This is also why I very often use Yuh for everyday payments, even though UBS remains my main account for the overall management of family finances.

Everyday payments and Apple Pay

For everyday payments, I very often use Yuh.

The card works perfectly with Apple Pay, which allows you to pay easily in stores, online, or directly within certain apps.

Yuh Apple Pay

📱 Fast everyday payments

In practice, Yuh is often the card I use the most for:

• in-store purchases
• online payments
• restaurants or cafés
• small everyday expenses.

Payments are simply made with the iPhone or Apple Watch, which often avoids taking out a physical card.

💳 A card I use more often than my UBS card

Even though I have cards with UBS, I very often use Yuh for everyday payments.

The reason is simple: the app and the card are very well integrated with the smartphone, which perfectly matches everyday usage.

In the end, for simple and fast payments, Yuh has become the card I use most often, even though my main account remains with UBS.

Exchange rates and foreign currency payments

When paying abroad or on websites in foreign currencies, currency exchange fees can quickly become significant. This is something many users only discover after making a few payments abroad.

With a traditional bank like UBS, foreign currency payments are generally more expensive. Cards typically apply a surcharge of around 1.75% on transactions in foreign currency, to which an additional margin on the exchange rate may be added.

The neobank Yuh is more competitive in this regard. Yuh applies 0.95% currency exchange fees, which remains reasonable for a bank card used daily.

However, it is important to be transparent: Yuh is not the cheapest solution for payments abroad. Some banks or specialized cards offer lower exchange fees.

I have analyzed the different cards available in Switzerland in detail in my comparison of the best credit cards in Switzerland, as well as in my guide to travel bank cards.

Some banks such as Alpian also offer even more competitive exchange fees. This is one of the reasons why I also use Alpian in certain situations, especially when foreign currency payments become more significant.

If you want to go further on this topic, you can also read my article where I compare Alpian with a traditional private bank, where I detail the exchange fees applied by the bank.

Investing with Yuh

In addition to payments and account management, I also use Yuh to invest directly from the app.

Once your account is open, you can buy stocks, ETFs, or cryptocurrencies directly from the application, without having to open a separate trading account.

Investing with Yuh

📈 Invest in a few clicks

In practice, Yuh is very convenient for investing small amounts or quickly taking a position on a stock.

For example, you can easily buy shares such as Apple Inc. or Amazon.com Inc., or invest in various ETFs directly from the app.

This simplicity makes investing much more accessible, especially if you want to invest occasionally without using a more complex trading platform.

💰 A practical solution for small investments

Investment fees on Yuh are around 0.5% per transaction, which remains reasonable for a banking app. This allows you to easily buy stocks or ETFs without using a more complex trading platform.

For regular investments or larger amounts, some specialized platforms may be more competitive. But for investing quickly from your smartphone, Yuh remains a very practical solution.

If you want to invest with Yuh, I have detailed the process, fees, and investment options in my complete guide dedicated to this feature.

In the end, this feature allows you to manage your payments, savings, and investments within a single application, which fits well with the philosophy of modern neobanks.

💰 For larger amounts, I prefer Alpian

When the invested amounts become larger, however, I prefer using Alpian.

Alpian offers a different approach with active portfolio management, which better matches an investment strategy for larger amounts.

I also explain in detail why I use Alpian for my investments in my article about the comparison between Alpian and traditional private banks.

In the end, I use Yuh for easily investing small amounts or quickly buying a stock, while my larger investments are managed via Alpian.

TWINT and peer-to-peer payments

In Switzerland, TWINT has become one of the most widely used payment methods, especially for peer-to-peer payments. It is also a feature I regularly use with Yuh.

Whether it is to reimburse a friend, split a restaurant bill, or quickly send money, TWINT is often the simplest solution.

💸 A very practical everyday solution

In practice, I use TWINT in many situations:

• reimbursing a friend after a meal
• sending money to a family member
• paying for certain small services or purchases.

📱 Why I use Yuh TWINT

It is important to know that you can only use one bank account at a time with TWINT. Even though UBS also offers its own UBS TWINT app, I chose to use Yuh TWINT.

I find the integration with the Yuh account simpler and more convenient in everyday use. Transactions appear immediately in the application, which helps maintain a clear overview of payments made.

In the end, for peer-to-peer payments, TWINT with Yuh has become for me the simplest and fastest way to send or receive money in Switzerland.

Withdrawing cash in Switzerland

Even though contactless payments have become very common in Switzerland, there are still situations where withdrawing cash is necessary. This is another area where I use Yuh.

🏧 One free withdrawal per week

With the Yuh card, you can make one free withdrawal per week at any ATM in Switzerland. This is convenient because it allows you to withdraw money easily regardless of which ATM is available.

In practice, this means I can withdraw money from almost any bank without having to search for a specific ATM.

💳 Withdrawals with a traditional bank

With UBS, free withdrawals are generally limited to UBS ATMs with the debit card.

This is of course very simple if you pass by a UBS ATM, but it is slightly less flexible when you are in an area where there is none.

In the end, for occasional cash withdrawals, Yuh offers very practical flexibility, since one free withdrawal is possible every week at any ATM in Switzerland.

When I use UBS and when I use Yuh

In practice, I do not use UBS and Yuh in the same way. The two accounts are complementary and each has its role in my financial organization.

UBS remains my main account, especially for household management, receiving my salary, and certain important payments. On the other hand, Yuh has become the account I use most often for everyday operations.

The table below summarizes how I use both accounts in practice.

In practice, I open the Yuh app much more often for payments, small transfers, or certain quick operations. The experience is simple, fast, and perfectly suited to everyday use.

However, UBS remains the central account for organizing the family’s finances, particularly for receiving salaries, managing the joint account, and covering major household expenses.

Conclusion: why I continue using Yuh in 2026

In the end, Yuh has not replaced my main bank, but it has become a very useful complement in everyday life.

My main bank remains UBS, especially for managing the joint account, receiving salaries, and handling major household payments.

However, for many everyday operations — payments, Apple Pay, TWINT, cash withdrawals, or certain investments — Yuh is often simpler and more practical to use.

This is probably the main strength of neobanks: they do not always replace traditional banks, but they offer a much smoother experience for everyday financial activities.

Today, the combination UBS + Yuh works very well for me.

However, this could evolve in the future. If Yuh eventually offers a real joint account, I might reconsider how my bank accounts are organized.

For now, this combination remains the simplest and most effective solution for managing my finances on a daily basis.

Frequently Asked Questions (FAQ) about using Yuh in Switzerland

Philippe AIMÉ

As the founder of Neo-banques.ch, Philippe uses several Swiss and European online banks on a daily basis, including Yuh, Alpian, N26, Wise, and Revolut for his personal and professional transactions.

He has also previously used Neon and Zak as primary accounts before migrating to other solutions.

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