Yuh (fully) joins the family!

Yuh is Swissquote’s mobile-only finance app, built for people who want to manage their money with simplicity, directly from their smartphone. In one app, clients can pay, save and invest, from everyday payments and multicurrency accounts to a pillar 3a pension, fractional shares and crypto. Running on Swissquote’s trading infrastructure and banking licence, Yuh blends neobank simplicity with distinctive Swissness: transparency, strong security and a long-term mindset.

Where Swissquote’s platforms offer a broad universe of products and advanced tools for clients who want depth and flexibility, Yuh strips the experience back to what matters for newcomers and everyday users, with an intuitive interface and straightforward language that help clients feel in control rather than intimidated. It positions itself as a friendly financial companion rather than a distant institution, guiding clients and helping them reclaim control over their money.

Yuh was launched in 2021 as a 50–50 joint venture between Swissquote and PostFinance, to offer a 3-in-1 digital finance app in Switzerland. The model combined Swissquote’s infrastructure and investing expertise with PostFinance’s large client base and historical solidity. From the outset, Yuh was run like a small, independent start-up: a lean team mixing Swissquote and PostFinance talent, a compact board, all focused on speed and experimentation. In less than four years, Yuh became one of the country’s leading finance apps, with 399,201 accounts and CHF 3,653 billion in client assets as of December 2025, and profitability achieved by end of 2024. Clients increasingly recognised Yuh in its own right: trust initially borrowed from its parent companies rapidly attached itself to the app, its brand and its track record. In short, Yuh succeeded where many (if not all) of its direct national competitors had failed.

But that success also exposed the limits of the joint-venture structure. As the app grew in popularity, it increasingly overlapped with both Swissquote and PostFinance, which complicated development decisions.

By the end of 2024, Yuh had outgrown its initial set-up. As the first four-year strategic roadmap came to an end, and with a change in governance at the co-parent company PostFinance, the time was ripe for a change of scale. 

On 4 July 2025, Swissquote completed the acquisition of PostFinance’s 50% stake in Yuh, increasing its ownership to 100% and giving the group full control of the company. The transaction valued 50% stake in the young disruptor at CHF 90 million. The decision was taken jointly by the partners, whose collaboration, albeit in different forms, is set to continue.

For Swissquote, bringing Yuh fully in-house creates the conditions for deeper integration, faster decision-making and a clearer brand architecture across the group. It also simplifies economics, removes structural frictions linked to the joint-venture set-up and makes it easier to design seamless client journeys between the two brands. Yuh becomes the engine for everyday banking and simple investing, where clients can get started on their financial literacy journey easily and build confidence before moving on to more advanced platforms.

For the “little brother” of the family, this virtuous circle creates an even stronger wind behind an already billowing sail: with new markets in sight, the adventure is just getting started.

Yuh and Swissquote address different moments in a client’s financial journey, but are built on the same foundations: Swiss reliability, strong technology and a long-term mindset.

Swissquote’s promise has always been to empower clients to take control of their financial future. With Yuh, that promise can be fulfilled earlier and more broadly, by lowering the entry barrier and reaching audiences that traditional investment platforms rarely attract. Both brands share the same infrastructure, licence and DNA, yet express them very differently. This creates a complementary dynamic, with clear differentiation between the two brands. Few groups manage to cover that spectrum with such coherence.

For Swissquote, Yuh is a powerful growth engine and a strategic bridge to the next generation of investors. But full ownership does not mean turning Yuh into a smaller Swissquote. On the contrary, it gives us more freedom to protect Yuh’s simplicity, invest further in education and continue building features that make finance feel accessible and relevant to everyday life.

This acquisition is therefore not about absorption, but about alignment: creating a group that can serve clients at every stage of their financial lives, without forcing them into a one-size-fits-all model.

— Jan De Schepper, Swissquote Chief Marketing Officer and CEO of Yuh