UBS current account

The basis of every banking relationship

With a UBS current account, your business’s transactions are booked on an ongoing, chronological basis and a running account balance is kept – hence the name "current account". The UBS current account can be managed on a non-borrowing basis or in combination with a UBS commercial loan on a credit basis. You can access the funds on the account or within the credit limit at any time and without restriction.


Account currencies	Swiss francs and all standard foreign currencies
Maturity/term	No special maturity or term
Interest credited	Account balances of commercial clients domiciled in Switzerland or the Principality of Liechtenstein, including subsidiaries of Swiss companies abroad, currently earn interest at the following rates: Swiss francs 0.125% Euro 0.25% up to EUR 150,000 0.25% from EUR 150,000 Other currencies no interest on positive balances The minimum amounts qualifying for interest payment and the interest rates themselves are subject to change at any time in accordance with the conditions prevailing on the money and capital markets.
Credit facility conditions	The applicable interest rate is variable subject to change at any time in accordance with the conditions prevailing on the money and capital markets set individually and depends on the client’s creditworthiness A reduced interest rate may apply if the client is able to provide readily realizable collateral, such as securities. In addition to the interest, a credit commission of 1/4% per quarter is charged.
Termination	By either party at any time with immediate effect
Account statements	Quarterly (end of March, June, September and December) irrespective of whether the account is managed on a non-borrowing or a credit basis
Interest/ commission accrual	Accrual on an ongoing basis, i.e. both interest and commission fees are automatically added to or deducted from the account balance on the closing date
Availability	Unrestricted availability at all times
Account maintenance	CHF 20 per quarter (Domiciliary companies CHF 125 per quarter for an account, once for each master number, and CHF 20 per quarter for each additional account under that master number)
Advantages	Can be used on a credit basis in combination with a UBS commercial loan Interest/commission is calculated on the effective debt Transparency/overview of all account movements Access to the comprehensive range of UBS services (e.g. payment transactions, credit cards, etc.)

Factsheet