After months of anticipation, roadmap teasing, and even a public poll to name the feature, Yuh has officially launched joint accounts — and it's free. The Swiss neobank, now 100% owned by Swissquote following the buyout of Postfinance's stake, joins Neon in offering Swiss residents a credible, fully digital alternative to traditional banking.
Neon Pioneered It. Yuh Makes It Free.
Credit where it's due: Neon was the first Swiss neobank to offer a joint account. A meaningful head start — but one that came with strings attached: CHF 3/month per person, same household required, Swiss income only.
Yuh removes all friction and all fees. That's a strategic move that puts pressure not just on traditional banks, but on Neon itself.
Everything You Need From a Bank — Already in a Swiss Neobank
In 2026, there's no longer a compelling reason to maintain an account at UBS, Raiffeisen, or your local cantonal bank for everyday banking needs. With Yuh, you get:
- ✅ Debit card (Mastercard)
- ✅ Twint integrated
- ✅ Free joint account
- ✅ Free payments from your smartphone
- ✅ Clean, intuitive UX — mobile-first by design
Everything the vast majority of Swiss residents need day-to-day, in one app, with no hidden fees. Basic banking at a traditional bank is no longer necessary.
Opening a Joint Account: 3 Steps, Genuinely Easy
The onboarding experience lives up to neobank standards — fast, paperless, and frictionless.
- Invite your partner — send an invitation directly from the app. Yuh handles the rest while you wait for acceptance.
- Verify your personal account — a prerequisite, already done if you're an existing Yuh customer.
- Sign the contract — a quick e-signature finalizes the account opening.
No branch visits. No printed forms. No waiting. Exactly what you'd expect from a neobank in 2026.
Who Is It For?
Yuh's joint account is built for anyone sharing expenses in Switzerland:
- Couples — rent, groceries, holidays
- Flatmates — utilities, shared subscriptions
Our Take
With Swissquote's full ownership, Yuh now has one of Switzerland's most established fintech players behind it. The free joint account is a natural next step in building a genuinely complete everyday banking offer. Neon showed it was possible — Yuh makes it free and frictionless.
For Swiss residents still holding onto a traditional bank account for basic needs: the last excuses are running out.
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Ready to open your Yuh joint account? Use our referral code 381je3 or sign up directly here to support neobanque.ch.