Devices and payment

  • Android smartphone version 6.0 or later with NFC capability
  • Your smartphone must be protected by PIN, fingerprint or another form of device protection for unlocking your smartphone.
  • UBS Digital Banking contract
  • UBS Credit or Prepaid Cards for Private Clients, which have been approved for online access in UBS E-Banking and UBS Mobile Banking. You can configure approval for online access in UBS E-Banking (Cards >Settings & services > Online access)
  • Activation of Mobile Pay in the UBS Mobile Banking App

Currently the UBS Credit and Prepaid Cards from Mastercard and Visa for Private Clients are supported. Clients with a UBS Corporate Card are at present unable to use the new function.

Worldwide wherever contactless payment with a Mastercard or Visa credit and prepaid card is accepted.

Paying with Mobile Pay and a chosen main card in Mobile Pay is as easy as paying with your UBS Credit or Prepaid Card.

For payments under 40 Swiss francs, wake up your smartphone (so that the screen lights up) by pressing the Home button, then hold it briefly against the payment terminal. For payments over 40 francs, you first need to unlock the smartphone. An especially convenient feature is that you don't need to open the UBS Mobile Banking App to make a payment.

The maximum amount depends on the limit on the selected card.

Because your smartphone must be protected by PIN or fingerprint, you don't need to enter the card's PIN to confirm payment. When you activate Mobile Pay in the UBS Mobile Banking App, you’ll be asked to configure this security setting if it's not yet been activated. If you deactivate the PIN, fingerprint or other form of device protection for your smartphone at some later time, we’ll immediately notify you that you can no longer use Mobile Pay.

No, Mobile Pay can only be used for payments at a POS with an NFC payment terminal.

No. The applicable prices and lending rates are found in the General Terms and Conditions for use of UBS Credit or Prepaid Cards. You can find this information here:

Please note that you may be charged for data transfer depending on the contract with your wireless service provider.

Yes, Mobile Pay can be used simultaneously on multiple smartphones. To use Mobile Pay on multiple smartphones, you must install the Mobile Banking App on all your phones and register with your Digital Banking contract on these smartphones for Mobile Pay.
It's also possible to save multiple UBS Credit and Prepaid Cards in Mobile Pay.

For security reasons, your smartphone cannot be unlocked for more than two minutes. If the phone stays unlocked for longer, you’ll need to reapprove payments over 40 francs with your PIN, fingerprint or other form of device protection. As soon as you hold your smartphone to the terminal, you’ll be asked to identify yourself again with your PIN, fingerprint or other form of device protection.

In this case, Mobile Pay will not work. You can reactivate NFC in your smartphone settings.

Yes. The KeyClub collection rules for card payments apply.

Yes. However, the UBS Mobile Banking App will require you to connect to the internet after 10 payments. This is how Mastercard and Visa reduce the risk of unapproved payments – for example if your smartphone was stolen and you hadn't yet blocked the contactless payment function.

Yes, you can.

No. For security reasons, the UBS Mobile Banking App checks whether your phone's operating system has been modified (manipulated or rooted). If it has, you won't be able to use the function for making contactless payments.

Registration

Register directly in the UBS Mobile Banking App.

  1. Open the UBS Mobile Banking App and log in with the Access App, the access card and card reader or the access card display
  2. Follow the path “Settings > Cards > Set up Mobile Pay”
  3. Follow the registration process

No, Mobile Pay only works with UBS Credit and Prepaid Cards.

No. The NFC interface is currently blocked by Apple. This is why Mobile Pay so far only works on Android devices.

Security / Management

If this happens, you’ll have to block Mobile Pay and the Mobile Banking App. Contact our customer service (+41 44 828 35 01), which is available at any time, day or night.
No credit card data is stored on the smartphone. This means you won't have to block your UBS Credit and Prepaid Cards and can continue to pay with them.

In other respects, the duty of care obligations according to the specific provisions for using Mobile Pay services, the General Terms and Conditions for using the UBS Credit and Prepaid Cards, and the basic provisions for UBS Digital Banking all apply.

If your UBS Credit or Prepaid Card was stolen or you've lost it, you must immediately report this in the UBS E-Banking or Mobile Banking App or block them by contacting customer service (+41 44 828 35 01). Customer service is ready to help you at any time, day or night.
If you suspect criminal activity, you’ll also need to lodge a complaint immediately with the local Swiss police or local police abroad. In other respects, the duty of care obligations found in the General Terms and Conditions for using the UBS Credit and Prepaid Cards apply.
UBS will create a replacement card for you for any blocked card. The data on the new cards will be automatically linked with the UBS Mobile Banking App and will also be valid for Mobile Pay.

Please notify customer service if the card is not linked automatically.

You can delete your cards’ link to the UBS Mobile Banking App. The physical cards remain fully operational.

You’ll no longer be able to use Mobile Pay to make contactless payments with this smartphone.

In this instance, you can no longer use Mobile Pay. As soon as you try to pay with Mobile Pay, your smartphone will notify you that you must first define a PIN, fingerprint or some other form of device protection in the smartphone settings.

The main card in Mobile Pay is the card that can be used without opening the UBS Mobile Banking App. If a main card is not defined in Mobile Pay, you’ll have to select one each time you make a payment. Mobile Pay will always display the required information.

The main card can be registered in Mobile Pay during the registration process or changed or deleted later in the settings (navigation: Settings > Cards > Mobile payments).

Further information

Mobile Pay is based on tokenization technology. When a UBS Credit or Prepaid Card is approved, a token is generated for Mobile Pay for the card – an encryption number for your 16-digit card number including the date of expiry. This token is then forwarded to the wallet provider, stored on a server and processed to the extent needed to provide the Mobile Pay service. The token is also linked to the UBS Mobile Banking App.

When paying at a card terminal, the token is once again assigned in the background through the credit card network (Mastercard and Visa) to the 16-digit credit or prepaid card number, and the corresponding payment is charged to this card. Thanks to this technology, your “true” credit and prepaid card numbers and expiry date are always encrypted – even the merchant from whom you are making a purchase sees only the token.

NFC (Near Field Communication) is the same technology that you may have encountered in ski passes or in your access pass at work.

Our customer service will be happy to answer any questions you may have about the UBS Mobile Banking App, Mobile Pay and registered UBS Credit or Prepaid Cards. Please call us on +41 44 828 35 01.