I previously looked at Raiffeisen as well and came to the conclusion that it is not worth it due to the costs you pay for the Debitcard (50/year). I also don’t like that you have to move money between accounts. If I get salary on the 24th and have to pay a bill on the 15th the next month, I don’t want to go into ebanking, put it to the savings account and then a day before you pay the bill, you move it back to win a few cents of interest in the end.
Thats the advantage of Yuh, you get your interest on your salary account where money flows in and out.
The emergency fund you can put on a savings account, I agree. (Unless you mean something else with safety buffer.) But if you have regular bills to pay with it, I wouldn’t call that safety buffer, but just your normal money.
I havent’ checked Swissquote in detail, but if you use IBKR for trading (cheaper) then I guess using it as a bank wouldn’t be better than using Yuh, which is owned by Swissquote (and Postfinance), no?