Possible extra charges

Lottery sales (with the exception of Swisslos and Loterie Romande), competition and casino sales count as cash withdrawals on which a fee of 4% is charged. A maximum of CHF 100, EUR 100 or USD 100 is charged per transaction.

When you make a payment abroad with your credit or prepaid card in Swiss francs, an additional charge of 1.75% may apply. This applies both to payments at card terminals and to payments in foreign online shops.

Our tip: Pay in the currency of the country in question – that way you will generally benefit from a more favorable exchange rate.

UBS credit and prepaid cards let you transact in over 100 different currencies, giving you the flexibility you need when traveling the globe. For each UBS credit or prepaid card, a currency is specified in which the card is settled (for example, Swiss francs), and UBS must ensure that the merchant receives the correct amount in the corresponding currency.

Every card transaction in a currency other than the specified currency is converted at the exchange rate prevailing on the day before the booking date, which is determined by the counterparty on the market side (UBS Investment Bank, Visa or Mastercard). UBS makes a profit by charging a foreign exchange surcharge for currency conversion. The surcharge amount depends on the currency:

For transactions with a UBS card, UBS as the card issuer can receive an interchange fee from the acquirer. Acquirers are companies that regulate the use of credit cards as payment methods at the points of acceptance (shops, hotels, restaurants etc.) on a contractual basis.

Among other things, the interchange fee covers the costs of UBS for handling transactions and the risks of granting credit – provided these are not already covered by prices or fees according to the lists or product factsheets. The amount of the fee corresponds to a fixed amount and/or a percentage of the transaction amount, which depends on various factors: the country in which the card is used, card product, type of transaction settlement, etc.

The interchange fees of UBS Credit and Prepaid Cards currently range from 0.35% to 2.1%.

They are subject to change at any time.