Yuh neobank [2024]

This navigation bar is no longer enabled by default on Android, is it? At least on my Pixels I have been using Android for years without a navigation bar. I.e., maybe they even did test on Android, just not one that matches your configuration.

If this is the first screen that you see after clicking on “Close account”, the “Proceed” button here is even a few cms away from the bottom edge, so would even be visible if I had the navigation bar enabled. Maybe this is a failure to test with different aspect ratios? I can also scroll the whole page, though, and the “Proceed” button moves with it.

The button is on the page after “Proceed”. In italian “Procedi” sends you to another page where I have that issue. It might be that I’m using it with an older version of Android, but I really don’t see why the page before works.

Initially I was only reaching the “Proceed” point, without clicking it hahaha :sweat_smile:.

Now I clicked on it and indeed the “Continue” button is hidden by the navigation buttons (which are enabled in my Android). The issue is not the button itself, but the fact that under it there is nothing, so you can’t scroll down enough to click it.

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I finally received a response after waiting for over 1.5 months. They explained that the interest had been miscalculated by one day, which required them to adjust the paid amount accordingly.

They are different.

From 1 April 2025, your savings pots in CHF, EUR and USD will earn 0.10% interest.

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I think I should go more into the forecast market. :crystal_ball:

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If you happen to be between 14 and 18 years old, Yuh now also offers 0% FX for you which makes it competitive to Radicant & co (& beats Neon).

Once you turn 18, it turns to the 0.95% though. :man_shrugging:

Funny that they advertise the “no parental consent required”…

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Interesting! I always found it strange when I was ~15 years old that I was allowed to work five days a week, driving a traktor, earn money and spend my money without deep control, but if I wanted to buy the same(!) product online, I had to borrow a credit card (not from my parents, they didn’t have a card that could be used on the internet) or open a prepaid credit card with my parents’ signature*. I always found that extremely illogical. The same when I read today about cashless, which basically excludes all persons under 18, unless the parents agree.

The Yuh offer seems to close this gap. Now I’m wondering whether something has changed in terms of regulation, or whether this has always been possible.


*That was back in the days when the debit card could not be used online

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I suppose, it’s because the Mastercard is a debit card and not a credit card. But not sure… Few weeks ago my 15yrs daughter had to open the UBS account all on her own. No involvement from my side.
I think she should try yuh as well.

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Has anyone tried to close their account? If so, how long did the process take?

I initiated it a month ago and I am still waiting for the final interest calculations.
They mentioned it could take up to three months, which I find quite unreasonable.

I forgot when I initiated it. I think less than 3 months ago. Still waiting..

Almost 5 months…

From 23.06. 12:00 until 27.06. 12:00 there is again a promo with no exchange fees at Yuh (up to 50k; only for USD, EUR and some more; inter-banking rate (a.k.a. mid-market rate)).

If anyone still has EUR or USD in their accounts, that would be a good time to save 0.95% fees.

Source: Promo Email and Yuh Website

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Note that Yuh (Swissquote) exchange rates are real interbank exchange rates, so summer promotions from Yuh are the best FX exchange deals as they get.

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Just signed up this morning to Revolut pro for 110 CHF to exchange 50k euros as it seemed like the best deal at the time (already got a warning from IB). :melting_face:
I even initially received the euros in my Yuh account.

Well, it’s a small % at the end of the day, but still, just a couple of hours earlier and I would have saved that.

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Hi, I’m curious, where do you get these emails? Newsletter or? I can’t find this news anywhere..
Thx

Don’t remember signing up for a newsletter, but that might have been automatically during account opening. I guess you need an account* to get it.

Found it here on their website:

*a.k.a. being a “homie” in Yuh-speak.

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ok, thank you for the link.
I’m also a “homie” but I didn’t get any news since I started with them..
Anyway, thx for the tip!

Hi,
Can’t you cancel that subscription (but if you ordered metal or Ultra maybe not worth it..)?

" If you downgrade within 14 days
If you pay the full subscription once a year, we’ll give you a full refund of your subscription. If we sent a Plus Card or Premium Card to you, we’ll charge you the delivery fee, and may deactivate the card. If you ordered a Metal Card, we’ll charge you £40 for the card (or the equivalent in the currency of your Revolut Account), plus any delivery fee. If you ordered an Ultra Card, we’ll charge you £50 for the card (or the equivalent in the currency of your Revolut Account), plus any delivery fee. Please refer to your Paid Plan’s fees page for current information on delivery fees."
https://www.revolut.com/fr-CH/legal/paid-plans/

I’ve already done that once in the past, and don’t want to abuse it. Plus there might be some stuff of value in the premium offer.
Also, next week when Yuh’s offer starts, the exchange rate might be a tiny bit worse and wipe out all gains anyway.

I’m wondering what Yuh gains from those short “no-fees” promos?
It’s too short/inconsistent to be a reliable place to exchange currencies, or to be really meaningful for people travelling abroad.
I’ve never used Yuh invest (or whatever it’s called) and how currency conversion is handled there, but I guess to push people to invest their “pot” of CHF laying around by decreasing the forex metal barrier?