What is the difference between a V PAY, Maestro, Visa Debit and Mastercard Debit?

You can use debit cards to withdraw money at a UBS Bancomat, check your account information and even enter payments at a UBS Multimats.

Visa Debit / Mastercard Debit

Ways to use your card/functions

Ways to use your card/functions

 Visa Debit / Mastercard Debit

 Visa Debit / Mastercard Debit

Ways to use your card/functions

UBS Bancomat, Bancomat Plus and Multimat

 Visa Debit / Mastercard Debit

Yes

Ways to use your card/functions

Third-party ATMs

 Visa Debit / Mastercard Debit

Yes

Ways to use your card/functions

Cashless payments

 Visa Debit / Mastercard Debit

Yes

Ways to use your card/functions

Contactless payments (NFC)

 Visa Debit / Mastercard Debit

Yes

Ways to use your card/functions

Online payments

 Visa Debit / Mastercard Debit

Yes

Ways to use your card/functions

Bank debit (direct debit)

 Visa Debit / Mastercard Debit

CHF / EUR

Ways to use your card/functions

Regional settings (geoblocking)

 Visa Debit / Mastercard Debit

Yes

V Pay / Maestro Card

Ways to use your card/functions

Ways to use your card/functions

V PAY

V PAY

Maestro Card

Maestro Card

Ways to use your card/functions

UBS Bancomat, Bancomat Plus and Multimat

V PAY

Yes

Maestro Card

Yes

Ways to use your card/functions

Third-party ATMs

V PAY

Yes

Maestro Card

Yes

Ways to use your card/functions

Cashless payments

V PAY

Yes

Maestro Card

Yes

Ways to use your card/functions

Contactless payments (NFC)

V PAY

Yes

Maestro Card

N.A.

Ways to use your card/functions

Online payments

V PAY

N.A.

Maestro Card

N.A.

Ways to use your card/functions

Bank debit (direct debit)

V PAY

CHF / EUR

Maestro Card

CHF / EUR

Ways to use your card/functions

Regional settings (geoblocking)

V PAY

N.A.

Maestro Card

Yes

Ways to use your card/functions

Protection against skimming (technical)

V PAY

Yes

Maestro Card

N.A.

Debit card acceptance outside of Switzerland

Unfortunately, V PAY and Maestro cards cannot be used everywhere (even for cash withdrawals). We therefore recommend that you take a credit card or prepaid card with you, especially when traveling outside Europe, so that you always have a cashless means of payment that will be accepted.

Skimming (copying card data)

The V PAY card uses chip-based card technology that makes skimming impossible. The Maestro card does not feature any technology that protects against skimming. However, you can limit where in the world the card can be used in E-Banking.

Maestro card: Changing regional settings (geoblocking)

Protect your Maestro card better against skimming by simply changing the regions in which your Maestro card can be used in e-banking under “Cards > V PAY/Maestro”. The changes will be activated in just a few minutes.