Payments

Currency

Interest rate and interest payment limit

UBS Personal account

CHF 1) 3) 5)

0.000%

UBS Personal account

EUR 2) 3)

0.000%

UBS Personal account for young people
UBS Personal account for students

CHF 1) 3)

1.000% up to CHF 1 000 7)
0.100% up to CHF 100 000
0.000% above CHF 100 000

UBS Current account for private clients

CHF 2) 3) 6)

0.000%

 

Saving / investing

Currency

Interest rate and interest payment limit

UBS Savings account

CHF 1) 3)

0.050% up to CHF 50 000
0.000% above CHF 50 000

UBS Savings account

EUR 2) 3)

0.050% up to EUR 50 000
0.000% above EUR 50 000

UBS Savings account for
young people

CHF 3)

5.000% up to CHF 1 000 7)
0.300% up to CHF 50 000
0.000% above CHF 50 000

UBS Sustainable savings account

CHF 3) 4)

0.050% up to CHF 50 000
0.000% above CHF 50 000

UBS Rental deposit account

CHF

0.010% up to CHF 50 000
0.000% above CHF 50 000

UBS Investment fund account

UBS key4 smart investing account

CHF

0.050%
Interest applies to non-invested credit balances.

Retirement provision

Currency

Interest rate and interest payment limit

UBS Fisca account 3a

CHF

0.100% 

UBS Vested benefits account

CHF

0.010%

1) Debit interest: 12.000% (for a UBS Personal Account for Young People upon reaching the age of majority).
2) Debit interest: available on request.
3) A deposit charge (currently 0.000%) may be levied depending on current interest rates and the amount of your credit balance.
4) The maximum credit balance limit is currently CHF 100,000. Amounts in excess of this must be held in another account. Changes to the maximum credit balance limits will be notified by UBS. Only available within UBS key4 banking. For young people up to the age of 26 and students with a valid student ID up to the age of 30, the same interest rate as the savings account for young people applies.
5) If a UBS Personal Account is managed as a UBS Immo-Smart account, the following interest rates apply: 0.050% on balances up to CHF 50,000; 0.000% on balances above CHF 50,000. The requirements for UBS Immo-Smart can be found at ubs.com/immo-smart.
6) Foreign currencies: non-interest bearing.
7) Only as part of the dedicated banking offer for children up to and including age 11. For more information on this banking offer for children, go to ubs.com/kidsbanking.

For private clients. Valid from 1 March 2026.