“We use urble to save for our daughter. What I like most is that her grandparents can contribute directly and we can all see and appreciate it.”
Saving.
On your terms.
Build long-term savings for yourself or someone you care about – save regularly, earn on your CHF savings and stay in control of your money.
The problem
Don't watch your money slowly disappear.
Money sitting in a low-interest account can lose purchasing power over time.
In CHF, the effect may be gradual.
For EUR or USD savings, inflation can be significantly higher.
CHF 10,000
Today
–CHF 1,800
Illustrative purchasing-power loss after 10 years at 2% inflation
Your money should work harder.
Save with a goal – and choose an asset designed to work over your savings horizon.
The impact of inflation varies by currency and over time. Savings held in EUR or USD may experience different and at times higher inflation than CHF.
Our approach
Put your savings
to work – with a plan.
urble combines goal-based savings plans with assets that can earn yield or grow over time.
- Choose your goal Target amount, target date or ongoing saving.
- Choose how your money works Save in CHF with variable yield or build Bitcoin savings over time.
- Stay consistent Regular contributions and longer commitments can unlock better outcomes.
How urble works
Start saving in 3 simple steps.
- 1
Create your plan
Choose who or what you are saving for. Set a target amount, choose a target date, or create an ongoing savings plan without a fixed end.
- 2
Add money
Make a one-off contribution or save regularly. Set up recurring contributions from your bank so saving becomes part of your routine.
- 3
Reach your goal
Follow your progress as you save. urble lets you know when your target amount or target date has been reached, so you can take the next step.
What your saving habits can unlock
Consistent deposits.
Better yields. Faster results.
4 months. Not 4 years.
Same earnings outcome, faster.
Commit longer.
Get a higher yield from day one.
2.80% 3.15% 3.33% 1 year 3 years 4+ yearsSave consistently.
Earn more over time.
2.63% 2.98% 3.33% Deposit 3 Deposit 4 Deposit 12+See what your savings could become
Simulate your savings.
Adjust the inputs to see an illustrative projection based on your selection.
Projizierter Kontostand in 10 Jahren
CHF 29’827
CHF 25’000 Total contributed
CHF 4’827 Projected earnings
- Total contributed
- Projected earnings
Unter Annahme des Beitragsplans oben und einer illustrativen durchschnittlichen Jahresrendite von 3.33% beträgt der geschätzte Endwert CHF 29’827, mit einem Zuwachs von CHF 4’827 zusätzlich zu deinen Beiträgen von CHF 25’000.
Illustrative projection. Returns are variable and not guaranteed.
Actual results may be higher or lower.
What urble users say
Saving for what matters.
See how people use urble to save for themselves and the people they care about.
Scroll for more
“It’s a really nice way to save as a godparent. I like adding a photo whenever I contribute — over time, it becomes a little story for my godchild.”
“My previous savings account was earning almost nothing. With urble, I can put my Swiss francs to work and see the yield accruing in real time.”
“I’m not particularly knowledgeable about Bitcoin, but with urble I immediately understood how my savings goal works.”
“Our family is not only living in Switzerland. We can still save for our nephew together, without one person having to collect and manage everything. That’s what makes urble different for us.”
“With urble, I don’t just see how much I’ve saved, but what I’m saving for. That really helps me stay on track.”
“I have separate savings goals for myself, my children and my godchild. Everything stays organised, and I can immediately see what belongs to whom.”
How urble compares
What makes urble different.
Built for savers, not for speculators.
| Feature | urble | Banking app | Crypto exchange |
|---|---|---|---|
| Yes | Yes | No | |
| Yes | Yes | No | |
| Yes | No | No | |
| Yes | No | No | |
| Yes | Yes | Yes |
Pick the savings
that fit your goal.
Different assets. Same control.
Choose what works for you.
CHF Savings
Save in ZCHF with variable yield powered by 
.
Bitcoin Savings
Long-term store of value via savings plan with target amount, target date, or ongoing.
Learn more
ETH, ADA & beyond
More digital savings options are coming – including staking and tokenised assets.
Learn moreBefore you commit
Know what happens
before you start.
We believe in clarity and control – so you can decide with confidence.
Start with an amount that suits you
Begin small and increase your contributions over time.
Clear conditions upfront
See target rules, withdrawal conditions and relevant costs before you create a plan.
No hidden surprises
Yield is variable and risks are shown clearly before you act.
Back up and restore access
Secure your account with your recovery phrase and restore access on a new device.
Withdraw when your plan is complete
When your target amount or target date is reached, you can withdraw according to the plan conditions.
urble is non-custodial. You stay in control of your assets and decisions at all times.
Before you get started
Questions you might have before starting.
Is urble a bank?
No. urble is a self-custodial savings app, not a bank. It helps you organise digital assets into structured savings plans while you remain in control of your assets.
Does urble have access to my money?
No. urble is designed around self-custody. Your assets are held in wallets you control, and urble cannot simply access or move them on your behalf.
Do I need to understand crypto to use urble?
No. urble is designed around familiar savings concepts such as savings plans, target amounts, target dates and regular contributions. The underlying infrastructure uses digital assets, but you do not need to understand blockchain technology in order to create and follow a savings plan.
How do I add money to urble?
You can fund supported savings plans from your bank account and, depending on the savings option, from supported wallets or other payment methods. For regular saving, you can set up recurring bank transfers so contributions happen automatically.
How does the return on CHF savings work?
CHF savings in urble can use ZCHF through the Frankencoin ecosystem to earn a variable return. The rate can change over time and is not guaranteed. The current rate and relevant conditions should be shown before you commit funds.
Can I withdraw my money?
That depends on the type of savings plan you choose. Some plans are designed to remain flexible, while others may intentionally restrict withdrawal until a target amount or other condition has been reached. The applicable conditions are shown when you create the savings plan.
What are the risks and fees?
Different savings options involve different risks and costs.
Digital assets can change in value, variable returns are not guaranteed and self-custody means you are responsible for maintaining access to your wallet.
Depending on the savings option, transaction, conversion or yield-related fees may apply. urble shows the relevant conditions and costs before you confirm an action.