Managing money no longer waits for adulthood. With the arrival of the Yuh 14+ account, the Swiss neobank born from the alliance between PostFinance and Swissquote, opens its services to teenagers from the age of 14. Accessible directly from the Yuh app, this new account is part of a clear ambition: to allow young people to familiarize themselves with personal finance in a simple, modern, and secure way.
Who is the Yuh 14+ account for?
The Yuh 14+ account is intended for teenagers aged 14 to 17 residing in Switzerland. It is aimed at young people who wish to manage their own money in a simple and mobile way, while operating within a secure framework.
Unlike most banking offers for minors, no parental authorization is required to open an account. The process is entirely digital and takes place directly via the Yuh app, with identity verification by video.
It’s an ideal solution for young people who receive an allowance, want to make online purchases, pay with their smartphone, or save for personal projects — all without depending on a parental account.
Features of the Yuh account for young people
The Yuh 14+ account offers teenagers a modern, secure, and comprehensive banking experience—close to that of adults, but with limits adapted to their age.
🔁 Multi-currency account: CHF, EUR, USD
Young people can manage their money in three different currencies, a rare advantage for a junior account.
💳 Free Mastercard debit card
Each teenager receives a Mastercard debit card to make online purchases, contactless payments, or withdraw cash—with limits tailored to their profile.
📱 Full access to the Yuh app
The mobile app remains identical to the adult version, allowing young users to learn to manage a real bank account via an intuitive interface.
🚫 No investment function
Although the “Invest” section is visible, no purchase of stocks, ETFs, or crypto is allowed before the age of 18. This provides an educational aspect without risk.
💸 No overdraft possible
The account operates on a debit-only basis, with no possibility of a negative balance—ideal for building responsible habits from an early age.
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What sets Yuh 14+ apart from other youth accounts?
Yuh 14+ is not just a simple savings account for young people. It stands out from other offers through its philosophy of autonomy and modern technology, while maintaining a secure environment.
🌍 Multi-currency account from age 14
The account allows holding Swiss francs (CHF), euros (EUR), and US dollars (USD), which is rarely offered to minors.
💳 Free Mastercard debit card
Young users receive a debit card with no monthly fees, usable online, in-store, or abroad, with limits adapted to their age.
📱 Same app, same experience
Users aged 14 to 17 have full access to the Yuh app, enabling them to view their balance, track transactions, and manage sub-accounts.
📈 Access to the Yuh universe, without investing
Teenagers see the Invest and Save sections, but cannot invest until they turn 18. The educational aspect remains visible.
Security & parental control
The Yuh 14+ account is designed to offer teenagers financial autonomy while ensuring optimal security. Here are the main security features:
👤 Autonomous account opening
Teenagers aged 14 to 17 can open their own Swiss bank account without needing an adult’s signature. This promotes independence within a secure framework.
🔒 No overdraft allowed
The account does not allow overdrafts, preventing any risk of negative balance or unexpected debt.
💳 Free Mastercard debit card
Young users benefit from a free Mastercard debit card, usable for online and in-store payments, with age-appropriate limits.
📱 Intuitive mobile application
The Yuh app offers a simple, tailored interface that lets teenagers manage their money autonomously while learning financial basics.
💰 Protection of funds
Funds deposited in the Yuh 14+ account are protected up to 100,000 CHF by FINMA, providing additional security in case of institution failure.
Pricing: how much does Yuh 14+ cost?
The Yuh 14+ account is designed for young people, with simple and transparent pricing. Most essential services are free, making it accessible from age 14.
💰 Account and card
- Account management fee: Free
- Mastercard debit card: Free, no monthly fees
- Card replacement: 20 CHF (in case of loss or theft)
🏧 Cash withdrawals
- In Switzerland: 1 free withdrawal per week, then 1.90 CHF per withdrawal
- Abroad: 4.90 CHF per withdrawal
💱 Currency conversions
- Payments in 13 major currencies: No additional fees
- Currency exchanges: 0.95% commission
💸 Transfers
- CHF or EUR transfers (SEPA zone): Free
- International transfers outside SEPA: Not available
📈 Savings
- Savings projects: Free
- Interest rate: 0.10% on CHF, EUR, and USD balances (in the “Save” section)
How can teenagers use it?
The Yuh 14+ account offers financial autonomy suited to teenagers’ daily lives. Here are some practical use cases:
🎁 Allowance and gifts
Receiving allowance or monetary gifts becomes simple and secure with the Yuh 14+ account.
🛍️ Online and in-store purchases
With the free Mastercard debit card, teenagers can shop online or in-store, respecting spending limits tailored to their age.
📱 Mobile payments with TWINT
The account is compatible with TWINT, enabling fast and secure mobile payments, popular among young people.
🎓 School trips and outings
During school trips or outings, the Yuh 14+ account facilitates payments and cash withdrawals, with one free withdrawal per week in Switzerland.
💸 Peer-to-peer reimbursements
Thanks to the Yuh app, teenagers can easily reimburse or receive money from friends, simplifying peer transactions.
🎯 Savings for personal projects
Young users can create savings projects in the app, allowing them to set money aside for specific goals.
The Yuh 14+ account is therefore a versatile tool that supports teenagers in their first financial experiences while offering age-appropriate security.
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Benefits for parents
The Yuh 14+ account provides parents with a valuable opportunity to guide their teenagers towards financial independence while benefiting from reassuring features:
👨👩👧 Encouraging autonomy
By allowing young people to manage their own bank account from age 14, Yuh promotes the development of financial responsibility, while giving parents the chance to guide and advise their children.
🔒 Enhanced security
The Yuh 14+ account is designed without overdraft options, avoiding debt risks. Additionally, investment features are disabled for minors, ensuring age-appropriate use.
📱 Transaction transparency
Although parents do not have direct access to their child’s account, they can review transactions together within the Yuh app, fostering dialogue and understanding of spending habits.
💬 Educational tool
The Yuh 14+ account can serve as a teaching aid to introduce teenagers to budgeting, saving, and financial planning, preparing them for healthy money management in adulthood.
In summary, Yuh 14+ is a valuable tool for parents who wish to introduce their children to financial management, combining autonomy, security, and education.
How to open a Yuh 14+ account?
Opening a Yuh 14+ account is simple, fast, and done entirely within the Yuh mobile app, without complicated paperwork. Here are the steps:
- Download the Yuh app
Available on iOS and Android, the app is the gateway to the Yuh universe. Simply download it for free from the App Store or Google Play. - Register directly in the app
Young users can open the account themselves, without needing a legal representative. They must provide personal data and complete a digital identity verification (ID + video selfie). - Age confirmation and terms acceptance
Yuh automatically verifies that the user is between 14 and 17 years old and adjusts the account accordingly. Certain features are restricted (such as investing). - Receive the Mastercard
After validation, a free Mastercard debit card is sent to the provided address within a few days. - Activate and use immediately
Once the card is received, the account can be used for payments, withdrawals, and savings—with the same features as adult accounts, but within a secure framework.
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Our opinion on the Yuh 14+ account
The Yuh 14+ account establishes itself as a serious and modern option for young people in Switzerland. It successfully combines autonomy, ease of use, and security, fully reflecting the standards of an adult neo-bank.
✅ Strengths:
- A real Mastercard debit card, usable everywhere
- An intuitive app, identical to the adult version
- Multi-currency management from age 14 (CHF, EUR, USD)
- No monthly fees, no overdraft, no hidden charges
- Account opening without mandatory parental intervention, a rarity in Switzerland
🧩 Limitations to note:
- No investment options before age 18 (although this is a welcome safety measure)
- No direct parental link (no shared or parental view, relying instead on trust and dialogue)
🎯 Verdict:
Yuh succeeds in offering a bank account designed for today’s youth, who want to learn to manage their money while using the same tools as adults. It is an excellent springboard to financial independence, without sacrificing security or simplicity.
Quick comparison with other youth accounts (Neon, Zak)
To better understand how Yuh 14+ compares to the competition, here is a concise comparison with the main adolescent offers available in Switzerland:
| Features | Yuh 14+ | Neon | Zak |
|---|---|---|---|
| Minimum age | 14 years old | 15 years old | 15 years old |
| Parental authorization | Not required | Required | Required |
| Multi-currency | ✅ Oui (CHF, EUR, USD) | ❌ No | ❌ No |
| Debit card | Free Mastercard | Free Mastercard | Free Visa Debit |
| TWINT | ✅ Yes | ✅ Yes | ✅ Yes |
| Accessible investments | ❌ No (visible only) | ❌ No | ❌ No |
| Overdraft possible | ❌ No | ❌ No | ❌ No |
| Monthly fees | 0 CHF | 0 CHF | 0 CHF |
🔍 Key takeaways:
- Yuh is the only one offering multi-currency accounts from age 14.
- It is also one of the few options with no mandatory parental authorization.
- For a modern, international solution for teens, Yuh 14+ clearly stands out.
Conclusion
The Yuh 14+ account represents a new milestone in banking for young people in Switzerland. Designed for connected, autonomous, and curious teenagers, it allows them to manage their money like adults, while respecting their age constraints.
With its access without parental authorization, multi-currency management, free card, and modern app, Yuh offers a unique product on the Swiss market. It appeals equally to young people seeking greater freedom and to parents looking for an educational tool with no risk.
In short, Yuh 14+ is an excellent springboard to financial independence: simple, secure, and true to the Yuh spirit.
Frequently Asked Questions (FAQ) about the Yuh 14+ account
✅ From what age can you open an account with Yuh, Neon or Zak?
Yuh allows account opening from age 14. Neon and Zak accept young people from age 15 but generally require parental authorization until adulthood.
✅ Is parental authorization required to open a Yuh 14+ account?
No. Unlike other banks, Yuh allows 14- to 17-year-olds to open a bank account without parental authorization.
✅ Can young people invest with a Yuh 14+ account?
No. Investment features (stocks, ETFs, crypto) are visible in the app but inaccessible to minors under 18.
✅ Is the Yuh debit card free for young users?
Yes. The Yuh 14+ account includes a free Mastercard debit card with no monthly fees.
✅ Does Yuh 14+ allow mobile payments?
Yes. The account is compatible with TWINT, allowing easy mobile payments for young users.
✅ Does Yuh 14+ offer foreign currency accounts?
Yes. It is one of the few youth accounts in Switzerland offering CHF, EUR, and USD management from age 14.
✅ Can you withdraw cash with the Yuh 14+ account?
Yes. Teenagers can make one free ATM withdrawal per week in Switzerland; additional withdrawals are charged.
✅ Are there monthly fees for the Yuh 14+ account?
No. The account is free, with no monthly maintenance fees.
YUH Promo Code: YUHNEO
Don't have a YUH account yet? Use our referral code to open your free YUH Bank account!
Use the promo code YUHNEO by April 30, 2025 to receive a bonus of 50 CHF in Trading Credits + 4 CHF (250 SWQ) for FREE 🙌
Get 54 CHF Free with YUH ➡️
