With your UBS Debit Card, you pay on the Internet using the dynamic 3-D Secure process, the most rigorous international security standard for online card payments
Before the online shopping function can be used, one-time registration for 3-D Secure is required.
Only a few online shops use the correct term “debit card” as a payment method. It may therefore be necessary to select “credit card” as the payment method, even though the payment is processed as a debit card transaction.
Process:
- Selection of card brand (Visa Debit > Visa and Debit Mastercard > Mastercard)
- Entry of card number and expiry date
- Entry of CVC
The amount is immediately charged to their account. If, for example, they make a hotel or rental car reservation, the amount is not charged immediately but it is still blocked, i.e., liquidity is restricted. This could mean that monthly bill payments are not executed because of insufficient funds on the account.
Online payments with a UBS Debit Card are made using the dynamic 3-D Secure process, similar to a credit card. This is the most rigorous international security standard for online card payments. The card holder approves payments via the UBS Access App. The stringent proof of identity protects the client’s bank account against fraudulent access. In addition, UBS clients can be notified of recent card transactions via SMS, email and push notifications. For more information about 3-D Secure, go to ubs.com/3DS.
First, turn on the online purchasing function in Digital Banking. Go to “Cards > Debit” and select your card, then turn on “Security settings > Online purchasing”.
To activate online purchasing for a debit card, at least one access app must be registered in Digital Banking – otherwise the online purchasing function cannot be turned on.
The function for online purchases is deactivated as standard in Digital Banking. To activate 3-D Secure, online purchases must be activated.
To activate online purchases for a debit card, at least one Access App must be registered in Digital Banking, otherwise the online purchases function cannot be activated.
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Check out this selection of frequently asked questions
No, UBS debit cards do not currently work with these services.
However, they work with UBS credit cards. You can also connect TWINT directly to the account associated with your debit card.
It will be replaced with a new UBS debit card when your current card expires.
You can order a new card free of charge via E-Banking or in the Moblie App.
With the Customer card, you can:
- Pay bills at a UBS Multimat
- Withdraw cash in CHF/EUR at UBS Bancomats
- Deposit banknotes in CHF/EUR at a UBS Bancomat Plus
Generally, you are only able to withdraw available funds in your cash account.
Account overdrafts are only possible with an existing overdraft agreement with your bank. You can submit your request for an account overdraft via the mailbox in E-Banking or Mobile Banking. We will gladly review your request.
A reserved amount is a payment that is still being processed. In E-Banking, these amounts are displayed in red with a clock icon.
Reserved amounts may sometimes be higher than the actual amount debited. For example, payments made at petrol stations and for hotel reservations or car rentals may appear as reserved amounts for five days. Only the correct payment amount will be charged.
In the event of a double charge, you can only dispute the charge once the amount has been definitively debited from your account. If you see any double charges, please notify us via the mailbox in E-Banking or Mobile Banking.
Yes! All you need to do is hold the card briefly against the card reader. The card stays in your hand during the entire transaction, and data is only transmitted when it is held close to the card reader.
Only one transaction is possible at a time, as the security chip generates a unique code for each transaction. Any attempt to use a code more than once or to use an incorrect code is detected immediately.
For amounts over CHF 80, you will automatically be asked to enter your PIN, adding an additional layer of security.
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