Yuh Time

• You are of legal age
• You are domiciled in Switzerland, Germany, France, Italy or Liechtenstein
• You have a smartphone

By opting for this free service, you agree not to use PostFinance’s consulting services. Your finances will be managed digitally and entirely independently with the app.

For PostFinance customers with e-finance login details

• Have your e-finance login details ready
• Download the Yuh App from the App Store or Google Play Store and follow the “Become a customer” instructions
• Create your login – you can now benefit from accounts and investment opportunities right away

If you do not have any e-finance login details or are not a PostFinance customer, you can still use the Yuh App. Please keep your identification document (passport or ID) and proof of residence (e.g. an invoice that includes your address) ready. In addition to these steps, an initial transfer from an account in your name is required.

The app enables you to manage your finances entirely independently and to pay, save and invest. This service is the result of a collaboration between PostFinance and Swissquote and works completely digitally in the app.

Pay

When you choose the Yuh App, you benefit from the following services:

• Free multicurrency Debit Mastercard®
• 13 pre-installed currencies, all under one IBAN
• No fees, and always the current exchange rate for all currencies
• Send money to mobile numbers
• Pay quickly and securely with Apple Pay, Google Pay and Samsung Pay

Save

One-time transfers or standing orders – you determine the rules and your savings goals. You can access your money at all times. You will also receive regular updates on your savings progress to ensure that you can focus on saving for your goals. Yuh is rewarding your thriftiness with interest. Regardless of whether your money is deposited in the app under Pay or Save: for cash holdings in francs, you will receive 0,75 percent interest on a pro rata basis.

Invest

Trade with more than 30 of the largest cryptocurrencies whenever you want. You invest in areas and sectors that are important to you. Choose from over 275 of the most popular shares. Invest in fractions of the largest shares from as little as 25 francs thanks to fractional trading. And thanks to the ESG ranking (environmental, social and corporate governance issues), it has never been easier to invest in companies with the same moral compass as you.

Pillar 3a

With Yuh, you can do more than just pay, save and invest; you can also plan for your retirement. A 3a investment solution directly integrated into the app makes this possible. These are your benefits with the pillar 3a from Yuh:

• Flexible: You can choose between five investment strategies from “mild” to “spicy” and switch at any time free of charge – depending on your risk capacity and appetite.
• Affordable: For all services, you pay a flat fee of just 0.5 percent of the invested amount. There are no hidden fees.
• Secure: The money in your pillar 3a is regarded as segregated assets and is completely protected in case of bankruptcy.
• Smart: In the Yuh pillar 3a, your money is invested smartly − for example, in long-term equity funds. This means you can usually expect better potential returns than with a savings account (of course, risks cannot be ruled out).

Swissqoins

Yuh is the first finance app that shares its profits with its users. This is why Yuh has launched Swissqoin, an innovative cryptotoken that is hedged by a constantly growing supply of Swiss francs, as a share of Yuh’s profits flows back to its customers. It’s a unique concept: the more you use the app, the more Swissqoins you receive and the more you benefit from Yuh’s success.

If you register now and make an initial transfer of 500 francs, you’ll receive 250 Swissqoins as a gift.