Yuh vs N26 – April 2024 Comparison

If you compare Yuh with N26, you are probably looking for an online bank with credit card for travel and for your payments in EUR.

It is indeed very interesting to consider these neobanks compared to traditional banks such as UBS or Credit Suisse because they generally offer better exchange rates with very little transaction fees.

Yuh is a neobank that offers a bank account with IBAN CH and allows you to have a main account in CHF, EUR or USD, as well as sub-accounts in several currencies (13 in total).

N26 is a very popular neobank based in Germany, which also allows have an account in EUR.

With Yuh and N26 you will have a free bank account anda debit card.

Let’s take a closer look at what each neobank offers.

YUH Promo Code

Don't have a YUH account yet? Use our referral code to open your free YUH Bank account!

Use the promo code YUHNEO before 30 April 2024 to receive CHF 50 Trading Credits + CHF 4 (250 SWQ) for FREE πŸ™Œ

Get CHF 54 Free with YUH ➑️

Yuh vs N26 Switzerland – Which neobank to choose

If you do not have time to read this article, here is which neobank to choose according to your use:

Free bank account with free debit cardπŸ‘
To use in SwitzerlandπŸ‘
To travel abroadπŸ‘ withdrawals above 600 CHFπŸ‘ up to 600 CHF/m.
To make free SEPA transfersπŸ‘
To transfer money abroadπŸ‘
For TradingπŸ‘ 250 SWQ+50 CHF Trading Credits with our promo code

To find out how each criterion is judged, read on: we review important options for Switzerland (IBAN CH, transfers in CHF, TWINT) and abroad (withdrawals with the card, SEPA transfer fees, transfers in currencies).

Yuh vs N26 Switzerland – Coupon Code

By opening an account with Yuh you receive a welcome cash gift on your account, which is always appreciated.

Yapeal offers you 30 CHF Free πŸ™Œ with the promo code YAPS311WZ4WL. Get the Yapeal app here ➑️

On the other hand at N26, you get zero, zip, nada, zilch!

1 point for Yuh

Yuh vs N26 Switzerland: The account

Here is a comparison of the features available from Yuh and N26:

Personal IBAN CHβœ…βŒ
CHF Bank Accountβœ…βœ…
Default currencyCHF, EUR or USDEUR
Available currenciesCHF, USD, EUR, GBP, JPY, AUD, CAD, SEK, HKD, NOK, DKK, AED, SGDEUR
Debit cardβœ… MasterCardβœ… MasterCard
QR code and BVR paymentsβœ…βŒ
Apple Pay & Google Payβœ…βœ…
Trading sharesβœ…βŒ
Trading ETF, Themesβœ…βŒ
Trading Crypto-currencies (Bitcoin,...)βœ…βœ…

Yuh therefore has a better offer in a Swiss context : IBAN CH, payments by QR and BVR, eBill and TWINT.

N26 offers a EUR account with very attractive rates for the EURO zone and foreign exchange transactions.

Keep reading to see the details and examples.

1 point for Yuh

YUH Promo Code

Don't have a YUH account yet? Use our referral code to open your free YUH Bank account!

Use the promo code YUHNEO before 30 April 2024 to receive CHF 50 Trading Credits + CHF 4 (250 SWQ) for FREE πŸ™Œ

Get CHF 54 Free with YUH ➑️

Yuh vs N26 Switzerland: IBAN CH

As a neo-Swiss bank, Yuh allows you to obtain a free bank account with personal IBAN CH.

On the other hand N26 is a neobank based in Germany and with a German banking license (DE). Your IBAN will therefore start with DE.

1 point for Yuh

Yuh vs N26 Switzerland: TWINT and eBill

Yuh offers seBill and Yuh TWINT.

eBill and TWINT are not available at N26 because it is a neo-German bank without a license in Switzerland.

1 point for Yuh

Yuh vs N26 Switzerland: The debit card

At Yuh, the debit card is multi-currency, that is to say that you can use it indifferently for all the currencies available on your account, it will automatically charge the corresponding currency.

For example, if you have CHF and EUR on your account and you pay for a restaurant in France, the card will use the EUR available on your account.

At N26 the debit card is in EUR. You will therefore have charges for all other currencies, including CHF.

Card-related fees that are different at Yuh and N26:

Debit cardYuhN26
Free Debit cardβœ…βŒ 10 EUR
Free CHF Withdrawalsβœ… 1/week, then 1.90 CHF, up to 10,000 CHF/mo.❌ 1.7% fee
Free EUR Withdrawals❌ 4.90 CHF eachβœ… 3/mo. in Switzerland and EURO zone
Free Withdrawals abroad❌ 4.90 CHF each❌ 1.7% fee

For withdrawals in Switzerland the Yuh card is therefore much more advantageous because N26 applies a fee of 1.7%.

For withdrawals in EUR, N26 clearly has the advantage, with 3 free withdrawals per month in Switzerland and the EURO zone.

For foreign withdrawals – outside the EURO zone – it depends on the amount withdrawn.

Let’s take the example e of 1,000 EUR withdrawal in 5 installments, on weekdays:

Multiple withdrawalsYuhN26
(4.90 CHF + 0.95%)(3 free per month, then 2 EUR each)
1st withdrawal of 200 EUR6.80 CHF0.00 EUR
2nd withdrawal of 200 EUR6.80 CHF0.00 EUR
3rd withdrawal of200 EUR6.80 CHF0.00 EUR
4th withdrawal of 200 EUR6.80 CHF2.00 EUR
5th withdrawal of 200 EUR6.80 CHF2.00 EUR
TOTAL34.00 CHF4.00 EUR

N26 is therefore much cheaper on multiple withdrawals in EUR because Yuh is penalized by the flat fee of CHF4.90.

Another example with 1 single withdrawal in GBP

GBP withdrawalYuhN26
GBPEq. CHF(4.90 CHF + 0.95%)Eq. EUR(-1.70%)

Above 600 CHF in equivalent currency Yuh is cheaper than N26 for currencies other than EUR.

1 dot everywhere

Yuh vs N26 Switzerland: Transfer fees

Both Yuh and N26 Standard accounts are free.

Yuh and N26 also allow you to make SEPA transfers in EUR at no cost</strong >, there are however fees on currency exchange:

No monthly feeβœ…βœ…
Free transfers in CHF in Switzerlandβœ…βŒ
Free SEPA transfers in EURβœ…βœ…
Free transfers in Switzerlandβœ… 13 currenciesβœ… in EUR
Incoming transfersβœ…βœ…
Exchange fee in EUR❌ 0.95% feeβœ…
International tranfers fee❌ 0.95% + 4 CHF outside SEPA❌ from 0.43% (WISE)

At Yuh, it is not possible to exchange currencies outside opening hours.

For international transfers, N26 uses the services of WISE without applying any additional fees!

For comparison, here are the fees for international transfers:

International transferYuhN26 (WISE)
USD0.95% + 4 CHFfrom 0.43%
GBP0.95% + 4 CHFfrom 0.43%
AED0.95% + 4 CHFfrom 0.43%
AUD0.95% + 4 CHFfrom 0.43%
CAD0.95% + 4 CHFfrom 0.43%
DKK0.95% + 4 CHFfrom 0.43%
HKD0.95% + 4 CHFfrom 0.43%
JPY0.95% + 4 CHFfrom 0.43%
NOK0.95% + 4 CHFfrom 0.43%
SEK0.95% + 4 CHFfrom 0.43%
SGD0.95% + 4 CHFfrom 0.43%

Yuh applies 0.95% exchange fee and 4 CHF transfer fee, so if you transfer from CHF Yuh is still more expensive than N26 for international payments.

If, on the other hand, you already have the currency in your account, Yuh will be cheaper up to an amount of 900 CHF (approximately).

But to find out which is the cheapest between Yuh and N26, you have to compare all the fees:

Example 1: Transfer of 5,000 EUR in Switzerland, from your CHF account

As Switzerland is part of the SEPA system, N26 does not charge any transfer fees on payments in EUR in Switzerland and in the SEPA zone.

On the other hand, you must first fund against N26 account in EUR. Here we go through WISE.

5'000 EURYuhN26
Total in CHF4,913.40 CHF4,913.40 CHF
Exchange fee43.75 CHF24.06 CHF (WISE)
Transfer fees0.00 CHF0.00 CHF
TOTAL43.75 CHF24.06 CHF

(*) Tests carried out during the week

So even with WISE’s fees for CHF/EUR exchange, N26 is cheaper than Yuh for EUR transfer .

For other currencies offered by Yuh (USD – GBP – JPY – AUD – CAD – SEK – HKD – NOK – DKK – AED – SGD), it does not make sense to change 2 times and go through N26, unless you have EUR available at N26.

Example 2: Transferring 5,000 GBP to the UK

So let’s take the example of a transfer in GBP, from EUR at N26 and from CHF at Yuh.

5'000 GBPYuhN26
Value according to interbank rate5β€―734.10 CHF5β€―862.35 EUR
Amount sent5788.90 CHF5,895.63 EUR
Exchange fee50.80 CHF33.28 EUR
Transfer fees4.00 CHF0.00 EUR
TOTAL54.80 CHF33.28 EUR
TOTAL in CHF54.80 CHF32.48 CHF

N26 (with its partner WISE) is again cheaper than Yuh, but only if you already have EUR available in your N26 account.

If the issue of changing CHF to EUR is important to you, see our article How to Change Swiss Francs in Euros at the Best Rate.

1 point for N26

Yuh vs N26 Switzerland: Trading Fees

Free custody rightsβœ…βŒ Not available
Stock trading0.50%❌ Not available
Trading ETFs, Themes0.50%❌ Not available
Cryptocurrency trading1.00%1.5% for Bitcoin and 2.5% for others

N26 only offers cryptocurrency trading and charges higher fees than Yuh. So the advantage is Yuh.

You should also take into account that Yuh can easily edit a tax statement for your tax return, which will not be the case with N26.

If you are looking for a neobank to do Trading, see our Flowbank review which offers lower rates than Yuh and N26.

1 point for Yuh


In conclusion, Yuh and N26 are complementary because the Yuh account offers features that are not available with N26 (IBAN CH, eBill, invoices QR and soon TWINT) and is cheaper than N26 in certain situations.

Our recommendation is to open a free account with each neobank and to have the 2 debit cards in your wallet. which will allow you to always benefit from the better conditions and to have a “back-up” if necessary.

YUH Promo Code

Don't have a YUH account yet? Use our referral code to open your free YUH Bank account!

Use the promo code YUHNEO before 30 April 2024 to receive CHF 50 Trading Credits + CHF 4 (250 SWQ) for FREE πŸ™Œ

Get CHF 54 Free with YUH ➑️

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