Do we have some member here that works for Yuh?
Their website is still broken.
Having read all your issues with the interest and seeing how they manage their website I might change idea and axe my Yuh account instead of Neon and its slow-ass pin page.
Who cares about websites in 2025? The app is running⊠Oh, you can rearrange saving pots now!
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Me? 
Seriously I wanted to read some documentation and FAQ on their site but they wonât work. Itâs all hidden behind big pluses.
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Their help section seems to work just fine here. Clicking on a question (or the corresponding plus button) reveals the answer. Checked Chrome and Firefox.
weird. There is something cached on my pc then. I tried without UO and itâs the same.
The Beobachter wrote an article about a phishing scam in which a Yuh customer was the victim. It is clear to me that the customer is very much to blame for falling for the phishing scam. Nevertheless, I think the failings on the part of Yuh are worth mentioning.
First Yuh fail:
Yuh wusste von UnregelmĂ€ssigkeiten auf Steiners Konto. Am Tag der betrĂŒgerischen Transaktionen wurde um 9.03 Uhr aufgrund «unĂŒblicher AktivitĂ€ten» die Debitkarte gesperrt. Yuh informierte Eliane Steiner aber nicht darĂŒber. Mehr noch: Weil nur ihre Karte, nicht aber das Konto gesperrt wurde, begann der Geldabfluss. Die Bank sagt dazu, das sei «gĂ€ngiges Vorgehen», so habe der Kunde weiterhin Zugriff auf das Konto, falls die Karte gesperrt sei. Doch Eliane Steiner nutzte ihre Debitkarte nie, sie hatte sie nicht einmal aktiviert.
Second Yuh fail:
Als Yuh schliesslich am 1. Oktober das Konto sperrte und Eliane Steiner sich nicht mehr einloggen konnte, kam es zum zweiten Fehler. Am besagten Morgen stellte die Bank zwar auf Steiners Konto um 8.24 Uhr «unĂŒbliche AktivitĂ€ten» fest. Doch sie informierte die Kundin nicht darĂŒber. Als Eliane Steiner kurz darauf â nichts ahnend â wegen der Sperrung reklamierte, wurde das Konto wieder freigegeben. Mit fatalem Resultat: Zwischen 9.12 Uhr und 9.15 Uhr wurden gleich nochmals betrĂŒgerische Zahlungen ausgelöst.
My conclusion from this article:
- The security processes are amateurish and/or have not yet been tested
- Support can unblock accounts without even telling you why the account was blocked
- Customer communication is insufficientd to not available
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You get what you pay for.
In this case, the customer is 100% to blame and does not seem to be aware of his own responsibility (typical of todayâs zeitgeist).
Anyone who still falls for phishing in 2025 should probably not have mobile banking, but rather make payment orders at the counter.
The customer is to blame for falling for phishing.
But Yuh is also to blame for two mistakes a bank should not make.
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Yuh seems utterly incompetent. Not sure how much better other neobanks would fare.
I would never keep more than 20k with one.
Iâm wondering who is responsible for support between PostFinance and Swissquote, given that Yuh is a product of both companies. Or do they have their own dedicated service and support center? If so, wouldnât that make operating costs less attractive?
As I just said:
You want a competent bank? Maybe you shouldnât go for one of the cheapest.
You want a 3 Michelin stars dinner? You wonât find it in McDonaldâs.
Sure, I agree. But youâre basically telling me that I canât mention negative things about Yuh because Yuh is a cheap bank. Thatâs an absurd mindset. If everyone did it this way, there would only be negative reviews for UBS and co. and every cheap bank would only have top reviews. No, thatâs not how it works. And my comment was an answer to
which is not 100% true because Yuh also made mistakes and not for
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Yuh was an initiative by PF, who partnered in a 50:50 JV with SQ, to use their banking license for all regulated banking services that they offer (PF itself uses SQ brokerage services). Yuh is run out of SQ offices, but is a separate legal entity with its own operational (and presumably support) staff, and apparently its own technical solutions (which f#%!ind up something simple like interest and WHT calculations).
Yuh only acts as custodian to your de facto SQ account, where your money is as safe as with SQ directly (including insurance for CHF 100k cash).
Custody is not really relevant with scams, no? Either the team and/or the security measures are the same, then SQ is just as incompetent and no one should keep more than 20k there either, or they differ which would make SQ way more secure even though the custodian is the same.
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Quite the opposite as the Beobachter case shows: The Yuh support, the custodian, acted in questionable manner, not the SQ support. We donât know how SQ itself would have acted.
Sorry, I misused the term custodian. My point was that either SQ is just as bad, or it doesnât matter what bank account a Yuh account is based on.
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I still donât get whatâs the use case for Neo banks when most kantonal banks are free.
I see them now more as wallets with esuisse guarantee. And treat them like that too with smaller amounts
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The digital offering (user friendly apps, mobile pay, gamification of investments, etc. and as every new entry offers in a saturated market: better prices). But, traditional banks are catching up, and likewise successful Neo banks start to offer traditional banking services (branching into pillar 3a, mortgages, etc.). As they become more and more comparable, I reckon most Neo banks will eventually fail (or be bought and merged) because they never achieved a critical mass.
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Until last September: interest.
Now not really anymore. (0.25% at Yuh)
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Interests may be more or may be less than the quoted rate, thatâs how Yuh works 
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