Alpian vs Yuh: both offer a free multi-currency account with a Swiss IBAN, investment options, and attractive conditions for international payments. They are very similar, but several important differences exist regarding support, fees, and daily use.
What truly sets them apart? Yuh or Alpian: how to choose the one that best suits your needs?
- free
- 🇨🇭
- CH IBAN
Cross-border workers ✔︎
Savings projects ✔︎
Support closed on weekends ✘
- free
- 🇨🇭
- CH IBAN
Exchange fees ✔︎
Premium service ✔︎
No native eBill ✘
Alpian vs Yuh – Quick Overview ⚡️
| Criteria | Advantages |
| Fees card | Tie |
| Use in Switzerland | Yuh |
| Exchange payments abroad | Alpian |
| App features | Alpian |
| Customer service | Alpian |
| Security deposit guarantee | Tie |
| Investment trading | Alpian |
Fees Card: when is it Truly Free with Yuh vs Alpian?
Yuh offers a completely free account. With Alpian, the card is paid unless you deposit 50,000 CHF or more. Fee differences appear as soon as you start using the card or withdrawing cash.
Basic fees
Yuh charges no account maintenance fees or card fees. Everything is free by default.
With Alpian, the standard physical Visa Debit card is charged 60 CHF once, with no minimum balance requirement. The bank account itself is not charged.
Point awarded: Yuh
Withdrawals in Switzerland: one Free Withdrawal per Week with Yuh
With Yuh, the first 4 CHF withdrawals per month are free. After that, each withdrawal costs 1.90 CHF.
With Alpian, each withdrawal in Switzerland costs 2 CHF, from the first one, with no free quota.
Example with 5 withdrawals of 100 CHF in one month:
Yuh: 4 free withdrawals + 1 × 1.90 CHF = 1.90 CHF
Alpian: 5 × 2 CHF = 10 CHF
Yuh remains significantly more advantageous for everyday use.
Point awarded: Yuh
International Withdrawals: Alpian more Flexible for Small Amounts
Yuh charges 4.90 CHF + 0.95% exchange fees per withdrawal. Alpian applies 2.5% of the amount, with no fixed fees, and uses the Visa interbank rate without markup.
Example with a withdrawal of 200 EUR (~195 CHF):
Yuh: 4.90 + (0.95% × 195) ≈ 6.75 CHF
Alpian: 2.5% × 195 ≈ 4.90 CHF
For small amounts, Alpian is more advantageous. But if you exceed 400–500 CHF per withdrawal, Yuh’s fixed fees become competitive.
Point awarded: Alpian
Payments in Foreign Currencies: Clear Advantage for Alpian
On each payment in foreign currencies, Yuh applies 0.95% exchange fees.
Alpian, on the other hand, applies no markup and is based on the Visa rate.
Example with a payment of 100 EUR:
Yuh: 0.95 CHF in fees
Alpian: 0 CHF
Alpian allows payments abroad without fees or limits, which is rare for a Swiss bank.
Point awarded: Alpian
Summary – Fees Card
| Compared criterion | Advantage to |
| Basic fees | Yuh |
| Withdrawals in Switzerland | Yuh |
| Withdrawals abroad | Alpian |
| Currency payments | Alpian |
Result: 2 points for Yuh, 2 points for Alpian
Yuh is more accessible: no card fees, no minimum required. But Alpian gains an advantage abroad, especially for payments. The choice depends on the profile: daily local use or a card designed for international use.
Fees and card: tie
Use in Switzerland: CH IBAN, QR-bills, eBill, TWINT
In Switzerland, being able to pay bills, use QR-bills, or TWINT is essential. Yuh and Alpian offer a CH IBAN and handle basic payments. But the degree of integration clearly differs.
IBAN Transfers
Both neobanks issue a Swiss IBAN, compatible with QR-bills, transfers, and standing orders. You can receive a salary, pay electricity bills, or set up regular transfers without fees or friction.
Point awarded: tie
eBill: Exclusively with Yuh
eBill integration is open on Yuh: all invoices arrive directly in the app, ready to be validated.
Alpian does not yet support eBill, which may inconvenience those who want to centralize their invoices in a single tool.
Point awarded: Yuh
TWINT
Yuh offers full native TWINT integration in its app. Alpian does not offer native TWINT, but works via TWINT prepaid in third-party apps, which limits functionality
Point awarded: Yuh
Summary – Use in Switzerland
| Compared criterion | Advantage to |
| IBAN Transfers | Tie |
| eBill | Yuh |
| TWINT | Yuh |
Result: Yuh scores 2 points, Alpian 0, 1 tie
Yuh covers most essential Swiss uses, with eBill and a more easily usable TWINT. Alpian remains limited, even if the third-party app option works… with some constraints.🎯
Use in Switzerland: Yuh advantage
Exchange payments abroad
Can these cards be used abroad without paying excessive fees?
Alpian charges no exchange fees. Yuh applies 0.95% to each transaction. And for withdrawals, the approach is also very different.
Payments in Foreign Currencies: Alpian without Fees, Yuh with Surcharge
Alpian applies the Visa interbank rate without markup. There is no extra cost, regardless of the amount or currency.
Yuh, on the other hand, applies 0.95% exchange fees on each payment in foreign currency. This is automatically added to the Mastercard rate.
Example with a payment of 250 EUR (~240 CHF):
Alpian: 240 CHF debited
Yuh: 240 CHF + 0.95% ≈ 242.30 CHF
Point awarded: Alpian
International Withdrawals: Fixed Fees or Percentage
With Yuh, each foreign currency withdrawal costs 4.90 CHF + 0.95% exchange fees.
Alpian charges 2.5% of the amount, with no fixed fees or conversion margin.
For small withdrawals, Yuh’s fixed fees weigh more heavily, while for large amounts, the difference narrows.
Example with a withdrawal of 100 EUR (~96 CHF):
Yuh: 4.90 CHF + (0.95% × 96) ≈ 5.80 CHF
Alpian: 2.5% × 96 ≈ 2.40 CHF
Point awarded: Alpian
Summary – Exchange International Payments
| Compared criterion | Advantage to |
| Currency payments | Alpian |
| Foreign currency withdrawals | Alpian |
Result: Alpian scores 2 points, Yuh 0
Alpian is significantly more competitive for international payments and withdrawals. No exchange fees, no fixed fees on withdrawals. Yuh works, but the cost quickly adds up as soon as you leave Switzerland.
Exchange international payments: Alpian advantage
Alpian Promo Code
Free account ✔︎
Transfers Multi-Currency
Sending money abroad, receiving payments in foreign currencies, or managing multiple currencies daily: Yuh and Alpian adopt distinct approaches. Yuh integrates most services into its app, while Alpian offers advantageous exchange rates but limits available currencies. Detailed analysis reveals marked differences depending on usage.
Multi-currency management
Yuh handles 13 currencies (CHF, EUR, USD, GBP, JPY, AUD, CAD, SGD, HKD, SEK, NOK, DKK, CZK)
Alpian handles 4 currencies (CHF, EUR, USD, GBP)
Point awarded: Yuh
CHF Transfers in Switzerland
No surprise: both banks allow sending and receiving CHF transfers free of charge in Switzerland.
Point awarded: tie
SEPA EUR Transfers
To send euros to a SEPA zone country, neither Yuh nor Alpian charges fees, as long as the European IBAN is used.
Point awarded: tie
Transfers in other Currencies
Transfers in other Currencies
- Yuh applies a fixed fee of 4 CHF per international transfer, with conversion at the interbank rate plus 0.95%.
- Alpian applies variable fees depending on the currency: for example, USD and GBP are free, other currencies have a variable cost (around 0.2% on weekdays, 0.5% on weekends).
Examples:
- Transfer of 1,000 USD: Yuh charges 4 CHF, Alpian is free.
- Transfer of 1,000 EUR outside SEPA: Yuh charges 4 CHF, Alpian about 2 CHF (0.2% on 1,000 CHF).
Yuh is more advantageous for small non-euro transfers (up to 2,000 CHF), Alpian becomes competitive for higher amounts (above 2,000 CHF).
Point awarded: tie
Summary – Transfers Multi-currency
| Criterion | Advantage to |
| CHF transfers (Switzerland) | Tie |
| SEPA transfers (EUR) | Tie |
| Transfers outside the euro zone | Tie |
| Multi-currency management | Yuh |
| Result | Yuh scores 1 point, 3 ties |
Yuh is better suited for managing multiple currencies and making occasional international transfers, while Alpian wins for large transfers (≥ 2,000 CHF).
Transfers and multi-currency: Yuh advantage
Promo Code
Free account ✔︎
App User Experience: which one is the most Pleasant for Daily Use?
Both apps allow managing an account, making payments, and tracking transactions.
They both integrate an investment offering.
Yuh: Full Features, Simple Interface
The Yuh app provides access to classic features: account management, transfers, payments (QR-bills), card, and investment portfolio.
The interface remains functional and sober, without budget management tools or advanced customization.
Notifications are displayed after each transaction.
Alpian: Clean Interface with Integrated Messaging
The Alpian app offers access to main banking functions: account overview, transfers, card management, secure messaging, and investment via Alpian Invest.
The interface is clear and structured, without secondary menus or superfluous features.
The integrated messaging module allows direct communication with an advisor, which is rare in the Swiss landscape.
Point awarded: Alpian
User experience: Alpian advantage
Customer Service: What Support in Case of a Problem?
Customer service is often decisive in case of an issue. Yuh and Alpian adopt different approaches, with a direct impact on the experience.
Yuh: Digital Support, Variable Responsiveness
Yuh offers customer service accessible only via the app and website, by chat or contact form.
Support is in French, with response times that may vary.
There is no phone support or physical branches.
Simple questions are often handled quickly, but complex cases may require multiple exchanges.
Alpian: Integrated Messaging and Dedicated Support
Alpian integrates a direct messaging system in the app, allowing you to contact an advisor without leaving the application.
This feature simplifies exchanges and avoids delays related to external channels.
Support is available in French and English, with optional phone assistance.
Alpian also does not have physical branches.
Point awarded: Alpian
Customer experience: Alpian advantage
Security Deposit Guarantee: how are Funds Protected?
Alpian
Alpian holds its own banking license issued by FINMA. It holds funds directly, with deposit protection up to 100,000 CHF in accordance with Swiss law. This direct regulatory framework enhances the transparency and security of funds.
Yuh
Yuh holds funds with Swissquote Bank, which holds a Swiss banking license and is supervised by FINMA. Deposit protection is also ensured up to 100,000 CHF according to Swiss regulations.
Technical security
Both apps offer strong authentication (biometrics, 2FA), instant notifications, and the ability to block the card from the app. Neither yet integrates advanced features like disposable virtual cards.
Point awarded: tie
Security deposit guarantee: tie
Investment Trading: which Offering Suits which Profile?
Yuh offers direct access to a wide choice of stocks, ETFs, and cryptos, with no minimum investment. This flexible solution allows you to manage your investments yourself, with transparent fees adapted to small volumes.
Alpian goes much further. It offers personalized support with advice tailored to one’s situation and simplified management via portfolios built by experts, which facilitates the management of larger capital without having to make all decisions oneself.
The choice therefore depends on the profile: autonomy and freedom with Yuh, comprehensive service and personalized support with Alpian.
Point awarded: Alpian
Investment trading: Alpian
Yuh vs Alpian: who Wins?
On paper, Alpian and Yuh seem close, but their priorities differ significantly depending on usage.
✔︎ Yuh appeals with its accessibility and flexibility, without minimum balance requirements or hidden fees.
✔︎ Alpian gains an advantage as soon as you look for a premium offering, with personalized support and competitive international fees.
Final score by criterion
| Criterion | Advantage to |
| 1. Fees card | Tie |
| 2. Use in Switzerland | Yuh |
| 3. Currency exchange payments abroad | Alpian |
| 4. App user experience | Alpian |
| 5. Customer service | Alpian |
| 6. Security deposit guarantee | Tie |
| 7. Investment trading | Alpian |
Total: Alpian 4 points – Yuh 2 points – 2 ties
Alpian vs. Yuh: which Bank to Choose According to your Profile?
| User Profiles | Best Option |
| Simple, daily use | ✔︎ Yuh |
| Need for accessible investment | ✔︎ Yuh Alpian |
| Premium use, personalized support | ✔︎ Alpian |
| Regular travelers | ✔︎ Alpian |
| Cross-border commuter looking for an accessible account | ✔︎ Yuh |
| Competitive international fees | ✔︎ Alpian |
Conclusion Yuh vs. Alpian
Yuh is perfect for those who want a simple, no-strings-attached neobank with accessible investment tools.
Alpian is better suited for users looking for premium management, dedicated customer service, and reduced international fees.
By taking advantage of the right promo codes, there’s nothing to stop you from using both in parallel to leverage their respective strengths:
Promo Code
Free account ✔︎
Alpian Promo Code
Free account ✔︎
What does Neoradar reveal?
Alpian vs. Yuh: both neobanks offer competitive, yet different, services. To help you, Neo has released its tool of the future!
Yuh vs Alpian
Consult the comparison of neobanks in Switzerland (2025) to compare Alpian and Yuh with other banks like Zak, Radicant, Revolut, N26, etc.
What Do You Think of Alpian Compared to Yuh?
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