What is the difference between a V PAY card and a Maestro card?

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

A comparison of V PAY and Maestro cards

Card acceptance

Card acceptance

V PAY

V PAY

Maestro Card

Maestro Card

Card acceptance

Switzerland

V PAY

Anywhere

Maestro Card

Anywhere

Card acceptance

Europe

V PAY

At many ATMs

Maestro Card

At many ATMs

Card acceptance

Worldwide

V PAY

approx. 90%

Maestro Card

approx. 98%

Card acceptance

Worldwide together with a credit card

V PAY

100%

Maestro Card

100%

Card acceptance

Find ATM locations

V PAY

Link

Maestro Card

Link

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.