The differences between debit cards

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.

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.