Yuh - Your app. Your money. 앱 분석 (9월 23일)

Paying, saving, investing: normally three headaches in three apps. With Yuh, it's all in one place, and it's free. Add Pillar 3a, Pocket Insurance, ETF savings plans and now an AI that tells you where your money's going, and you've got a serious upgrade to your finances. Built for you, backed by Swissquote. Here's why you'll love Yuh: • 13 currencies under one Swiss IBAN • Free account and Mastercard, no monthly fees • eBill and standing orders instead of paperwork • TWINT for instant payments • Shares, crypto and ETFs from 10 CHF • Savings plans that do the thinking for you • Pillar 3a for a future that arrives sooner than you think • Pocket Insurance: free and fuss-free • Yuhlia, your AI assistant that keeps tabs on your money • A Security Centre to protect you against scams • Yuh14+: your first bank account, from age 14 • Yuh&Me: the account for all your shared expenses PAY IN 13 CURRENCIES, NO HIDDEN FEES Your own free Yuh Debit Mastercard, real-time updates and a multi-currency account. Transparent conversion costs, no sneaky charges, no account or card fees. SAVINGS PROJECTS Choose when to save, what for, and how long it takes. Set it up and watch your goal fill up bit by bit. ETF SAVINGS PLANS, NO TRADING FEES Build a recurring ETF plan, weekly or monthly. Small amounts add up to serious growth while you get on with your life. SHARES, ETFS AND CRYPTO Choose from around 500 products. Trade the biggest cryptos anytime or pick from a solid range of shares and ETFs. ESG scoring shows you where your money's going, and ETFs are one of the easiest ways to get low-risk exposure to global markets. POCKET INSURANCE Phone, laptop, keys, glasses: everyday items that break or vanish are automatically covered the moment you pay with your card. No extra cost, nothing to sign up for. PILLAR 3A, YOUR FUTURE'S BEST BUDDY Retirement isn't a later problem, it's a now problem. Our Pillar 3a takes care of your pension planning with an all-in fee of just 0.5%. Fair, transparent, no surprises. YUHLIA, YOUR AI ASSISTANT How much did you spend eating out last year? Just ask Yuhlia. She's connected to your account, spots patterns in your spending, and answers your money questions right in the chat. Currently in beta, meaning she's learning fast. SECURITY SPACE: PROTECTION THAT THINKS AHEAD Phishing, dodgy texts and calls that sound legit but aren't: the Security Centre helps you spot a scam before it becomes one. Lock your card in seconds, block your account if something feels off, and reach emergency support 24/7. One golden rule: Yuh will never ask for your password, PIN or Yuh Key. Ever. YUH14+, YOUR FIRST ACCOUNT, YOUR OWN RULES Between 14 and 17 and ready for your first Swiss bank account? Yuh14+ is free, with TWINT, a free card and free weekly cash withdrawals. Zero overdraft risk, and no adult needs to sign anything. On your 18th birthday, your account simply grows up with you. YUH&ME, FOR EVERYTHING YOU SHARE Rent, holidays, the weekly shop: Yuh&Me is a free joint account for couples, flatmates or anyone splitting costs. Each gets a Swiss IBAN and up to four free Mastercards, plus shared savings goals. SWISSQOIN, OUR REWARD PROGRAMME Yuh shares its profits with Yuhsers as Swissqoins. Once a year, part of our profits gets credited into the Swissqoin reserve, boosting its value. Earn them by using the app, then exchange for real money anytime, or hold on and let the value grow. YUHLEARN Questions about investing, saving or how any of this works? YuhLearn is our blog with short, jargon-free articles on real-life topics. Written to make you feel sharper, never smaller. SECURITY THAT MATTERS Banking and financial services in the Yuh app are provided by Swissquote, authorised by FINMA. That means full Swiss banking protection, including deposit protection up to 100'000 CHF, and banking secrecy. We handle the details, you handle your life. Ready to stop overthinking your money? Download Yuh and let's go.