Since June 19, 2025, the Swiss National Bank (SNB) has lowered its key interest rate to 0% in an effort to prevent potential deflation. As a result, Yuh has adjusted its offerings: no interest is currently paid, even on funds placed in the “Save” section of the app. The rate is set at 0% for savings projects in CHF, EUR, and USD.
What is the current interest rate on savings at Yuh Bank?
As of July 2025, the interest rate at Yuh Bank is currently 0%.
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How does Yuh Bank’s interest rate work?
Since the SNB’s base rate was lowered to 0%, Yuh Bank offers no interest on balances, even in the “Save” section of the app. Whether you place CHF, EUR, or USD into a savings project, the applied rate is 0%.
Previously, interest was calculated pro rata over 365 days and paid annually at year-end. This system remains in place but has no effect as long as the rate is 0%.
Key takeaways:
- Current rate: 0% on CHF, EUR, and USD, even in “Save”
- No maximum limit on earnings… but also no returns
- No minimum balance required, but there’s no benefit as long as the rate remains at zero
Does Yuh Bank offer the best interest rate?
Here is a comparison of savings rates among Swiss neobanks as of July 2025:
| Neobank | Interest Rate | Interest Cap | Withdrawal Limit |
|---|---|---|---|
| Alpian | 0.15 % | Above 125,000 CHF. 0.01 % below. | None |
| Neon | 0.00 % | - | None |
| Radicant | 0.10 % | - | None |
| Yuh Bank | 0.00 % | - | None |
| Zak | 0.05 % | Up to CHF 25,000 | None |
Why choose Yuh for your savings?
Yuh currently offers no return on savings, whether in CHF, EUR, or USD. However, if you value ease of use, multi-currency management, and a single app to handle both your banking and investments, Yuh may still be a practical choice. The “Save” section allows you to organize your goals, even without earning interest, while maintaining clear visibility over your financial objectives.
