*Also benefit from the free banking package in the second year when you subscribe to a Zurich insurance. Find out more
Why UBS key4 business?
Fast startup
Quick and easy onboarding
Save on fees
Special conditions for foreign currency payments in the first year and a free account & card for up to 2 years
Easier administration
Add authorized persons, digital signatures and simple accounting solutions
Benefits from strong partners
Marketplace with exclusive partner offers
What is included?
A capital deposit account for founding an AG or GmbH
- Free of charge only with us
- Optional: free legal advice in the 1st year
A corporate account for your company
- Free of charge in the first year
- Then just CHF 80 per year
- Optional: also free in the 2nd year when you take out insurance
If you want a debit or prepaid card
- Free of charge in the first year
- Then just CHF 50 per year
- Optional: also free in the 2nd year when you take out insurance
Foreign currency transactions
- Special conditions with 0.85% margin for payments in foreign currencies
- Special conditions with 0.85% margin for payments in foreign currencies
Attractive partner offers
- Banking package also free of charge in the second year when you take out insurance with Zurich
- Special offers such as discounts and free trial versions
Get started today
Open UBS key4 business online and get started right away.
Your answers: I'm already a UBS private client › I want to found a company
Your answers: I'm already a UBS private client › I want to found a company › I found an AG or GmbH
You must meet the following requirements:
- Residence in Switzerland.
- You acknowledge that you must deposit either CHF 100,000 (payment in full) or CHF 50,000 (payment in part) for an AG or CHF 20,000 for a GmbH in the capital deposits account.
- You will hold at least 25% of the company's capital shares or voting rights and will have individual signing authority.
- Depending on the company’s legal form, you will be part of the board of directors (AG) or will act as the managing director (GmbH).
- Your name is entered in the commercial register with an individual signature.
- Your company operates in trading, production or another commercial industry.
Your answers: I'm already a UBS private client › I want to found a company › I found an AG or GmbH › I meet all the requirements
Open a UBS key4 business account, including capital deposit account, via app.
1. First update your Mobile Banking App.
2. Log in to your Mobile Banking App and click "More" at the bottom right of the home page.
3. Navigate to "Products" and select "Products for companies".
4. You will be logged out and can start the opening process in the App. (iOS select "I don't have an account yet")
Your answers: I'm already a UBS private client › I want to found a company › I found an AG or GmbH › I do not meet all the requirements
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayYour answers: I'm already a UBS private client › I want to found a company › I want to found other legal form
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayYour answers: I'm already a UBS private client › I already have a company
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayYour answers: I'm not yet a UBS client › I want to found a company
Your answers: I'm not yet a UBS client › I want to found a company › I found an AG or GmbH
You must meet the following requirements:
- Residence in Switzerland.
- You acknowledge that you must deposit either CHF 100,000 (payment in full) or CHF 50,000 (payment in part) for an AG or CHF 20,000 for a GmbH in the capital deposits account.
- You will hold at least 25% of the company's capital shares or voting rights and will have individual signing authority.
- Depending on the company’s legal form, you will be part of the board of directors (AG) or will act as the managing director (GmbH).
- Your name is entered in the commercial register with an individual signature.
- Your company operates in trading, production or another commercial industry.
Your answers: I'm not yet a UBS client › I want to found a company › I found an AG or GmbH › I meet all the requirements
Open a UBS key4 business account, including capital deposit account, via app.
Here's how:
1. Scan the QR code and download the free UBS Mobile Banking App.
2. Have your ID or passport ready so that we can identify you in the video call.
3. Everything else is explained in the app.
If you're on your computer, scan the QR code to download the app.
If you're on your mobile phone, download the app here.
Your answers: I'm not yet a UBS client › I want to found a company › I found an AG or GmbH › I do not meet all the requirements
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayYour answers: I'm not yet a UBS client › I want to found a company › I want to found other legal form
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayYour answers: I'm not yet a UBS client › I already have a company
Get started right away on our website and open a UBS key4 business account.
1. Answer a few questions about yourself and your company.
2. Have your ID or passport at hand so that we can identify you in the video call.
3. We’ll explain the rest of the process during the video call.
Start todayFAQ
Our base digital offering for all SMEs is called UBS key4 business. As well as a free capital deposits account for founding an AG or GmbH, it includes a business account and card free of charge and special conditions for foreign currency transfers in the first year. The UBS key4 business marketplace also offers attractive discounts and products from our partners to make daily business life easier.
Quite easily via app.
- Download the UBS Mobile Banking App from the Apple App Store or Google Play Store.
- Answer a few questions about yourself and your company.
- Have your ID or passport from one of these countries ready so that we can identify you in the video call.
- Sign the contracts digitally in the app.
- Set up the secure login via the Access App.
- When opening a capital deposits account:
- Pay your capital into the capital deposits account.
- Register your company in the commercial register.
- Complete the account opening process in the Mobile Banking App.
Or via ubs.com
- Answer a few questions about yourself and your company.
- We will call you within a few days for a short conversation.
- Have your ID or passport from one of these countries ready so that we can identify you.
- When opening a capital deposits account:
- Sign the capital deposits payment receipt that you received by post.
- Pay your capital into the capital deposits account.
- Register your company in the commercial register.
- Sign the opening documents for your corporate account.
As a UBS client
- First update your Mobile Banking App.
- Log in to the Mobile Banking App.
- Click “More” at the bottom right of the home screen.
- Go to “Products”.
- Select “Corporate Accounts”.
- You will be logged out and can start the opening process via app.
Please note that you do not need to activate the Access App again. Important: please write down your contract number during the opening process and add it in the Access App.
Yes, accounts can be opened at the following times:
- Monday – Friday: 8:00 a.m. to 10:00 p.m.
- Saturday: 9:00 a.m. to 5:00 p.m.
Your data will remain stored in the app for 72 hours. You can submit your request at any time on ubs.com and we will get back to you during business hours.
The conditions are valid for 12 months and apply to all individual transactions for amounts under 25,000 and to an annual volume of up to CHF 25,000.
- 0.85% margin for payments in foreign currencies (applies to induced FX transactions such as incoming and outgoing account payments in foreign currencies, currency swaps, account transfers, etc.)
- For major currencies: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD
- Forward margin surcharge possible
Your business account, debit or prepaid card and, as a founder, capital deposits account, will also be free of charge in the second year if you take out SME insurance from our partner Zurich via UBS key4 business or by telephone 0848 77 11 22.
After opening your UBS banking account, simply select the insurances you need and calculate the premiums quickly and with no obligation. You can take out the insurance later and still benefit from the special offer.
Not sure which insurance you need or would you like some personal advice? Call 0848 77 11 22 for free to talk to a dedicated team at Zurich who will be happy to assist.
Open your bank account today, including insurance, benefit from a free banking package for two years and save up to CHF 260 in banking fees.
Our partnership with Zurich means we can also offer insurances for your company. Calculate your premiums online with no obligation or get personal advice by calling 0848 77 11 22.
Overview of insurance policies:
- Mandatory occupational pension (mandatory)
Ensure your financial freedom in retirement – and protect yourself and your employees against misfortunes such as disability. - Accident insurance (mandatory)
Insure yourself and your employees against accidents and occupational illnesses.
Coverage details - Supplementary accident insurance (recommended)
Optimize the benefits of mandatory accident insurance.
Coverage details - Daily sickness benefits insurance (recommended)
Compensation for continued payment of wages owed to employees on maternity or sick leave.
Coverage details - General liability (recommended)
Protect yourself against the financial consequences of claims for damages. Important e.g. for management consultancies. - Cyber insurance
Insure your company against production standstills and loss of client data.
Offer details
In addition to these insurances, we also offer others on request, e.g. machinery, motor vehicle, tenant deposit guarantee, and more.
As soon as you have completed the process of founding your company and the UBS Business Current Account is open, you can add additional authorized persons directly in E-Banking.
Navigate to “Authorizations” on the main page.
In the spirit of a true “one-stop-shop,” in addition to our banking solutions, we offer companies the insurance coverage they need. And all this at attractive premiums with a discount of up to 30% for our UBS clients.
If you’re new to UBS, then besides a banking package, you can use UBS key4 business to take out the right Zurich insurance coverage online.
Are you already a UBS client? Then you can select and take out insurance policies directly via the UBS key4 business marketplace or in E-Banking.
Would you prefer personal advice? That’s also possible. Call 0848 77 11 22: our Zurich team is here exclusively for you, ready to advise you on suitable insurance policies and to help compare offers from other providers if you wish.
Discover our partner offers on the marketplace
Discover our partner offers on the marketplace
Get your business up and running with our partners’ products and services. Browse the marketplace and discover the wide range of offers.
