To protect your account, new payees must be confirmed once in E-Banking or the Mobile Banking App using the Access App or Access Card. This extra step helps prevent fraud and keeps your transactions safe.

Key points about confirming payees

Why confirm a payee?

A confirmed payee is someone you authorize to receive payments.

  • You confirm the payee when making the first payment.
  • Future payments to the same payee don’t require confirmation.
  • This ensures only trusted recipients can receive your funds.

Why review your payee list?

Check your confirmed payees regularly to stay in control. This reduces the risk of unauthorized transactions.

Why am I asked to assess the payment for potential fraud?

This step is an important layer of protection for your account. Fraudsters often use persuasive tactics to trick people into making payments to unauthorized recipients. The Access App also provides specific tips based on the payment purpose to help you identify potential fraud quickly.

Can I pay someone without confirmation?

You can set a limit for payments that don’t require confirmation. Payments above this limit will still need to be confirmed.

Important: Payees to whom you have made a payment within this limit must also be confirmed once.

How do I set up a confirmation limit?

What if I see an unauthorized payee?

Act fast:

  • Revoke the confirmation
  • Check your payment history
  • Contact UBS Digital Banking support immediately

Do I need to confirm health insurance?

Some payees, such as health insurance companies or telecommunications companies, have already been confirmed by UBS.

How to confirm a payee?

Confirm payee with Access App

You will automatically be requested to confirm beneficiaries during payment entry.

  1. Tap the push notification that you received on your smartphone or open the Access App and select the prompt to confirm under “Messages”.

2. Assess payment and fill in a simple Q&A that will help you detect potential fraud.

If you are sure of the beneficiary and have reviewed the checklist for signs of fraud, click “Assess payment”. If you are not sure of the beneficiary, cancel the payment.

3. Enter the PIN of the Access App.

4. Check whether the information on the payment document corresponds to the payment information shown in the Access App.

If the information matches, confirm the payment in the Access App. If the information does not match, reject the payment and contact Support.

Confirm payee with Access Card

You will automatically be requested to confirm during payment entry.

  1. Switch on the card reader by inserting the Access Card or activate the Access Card Display. Enter the PIN of the Access Card.

2. At least five characters are marked in red in the window in E-Banking. Read these missing characters on the payment document (by the IBAN number and amount).

3. Enter the characters that you read on the payment document in the card reader or Access Card Display and press OK (√).

4. Copy the 8-digit code shown on the card reader or Access Card Display to the window in E-Banking and click Send.