The banking package for young people

Banking as different as I am

You've earned your first paycheck. What now? Do you manage it yourself or save? Take control of your own banking with our flexible Banking Package UBS Generation for young people aged 12 to 22.

Over 2000 saving deals thanks to free cashyou subscription

Benefits at a glance

Free account management

Withdraw cash free of charge at all Swiss Bancomats – no matter the bank

With a free cashyou subscription, you get access to over 2000 attractive offers

Product overview

Personal account in CHF

The UBS Generation personal account  for young people is the basis for your day-to-day banking. Use the account for incoming salary deposits, pocket money, cash withdrawals and payments. You also benefit from a preferential interest rate.

Savings account for young people in CHF

The savings account for young people is the ideal complement to your personal account.  Whatever your savings goal – our interest rate will help get you closer to your dreams, both big and small. 

Payment transactions

With a personal account, domestic payments made in Swiss francs are free of charge. Use our E-Banking or Mobile Banking App, UBS MultimatLSV+ (direct debit) or set up a standing order for recurring payments.

With UBS Visa Debit or UBS Mastercard Debit, you can pay online and contactless in Switzerland and abroad. Free cash withdrawals in CHF at all UBS Bancomats and non-UBS ATMs in Switzerland. The annual fee for both cards is included in the banking package.

With the following card types, you can pay worldwide while staying flexible, and the annual fee is included in the banking package:

With the free cashyou subscription, you have access to more than 2000 exclusive advantages and discounts near your school or university and throughout Switzerland. For example for food, leisure, shopping, festivals, technology and much more. You also benefit from special discounts at various online shops. And new offers are added daily.

Here's how easy it is:

Download the cashyou app, register and verify your identity using the UBS Debit Card.

With our free UBS KeyClub bonus program, you collect points by actively using your Credit and Prepaid Cards. You can redeem your bonus points 1:1 like cash. Our partners – including H&M, Manor and Zalando – accept your bonus points. Or choose your gift in the KeyClub eStore conveniently from home.

Find out more at UBS KeyClub.

New clients receive a welcome gift of CHF 40 in KeyClub points.

E-Banking and Mobile Banking

Whether transfer or portfolio overview: With E-Banking and the Mobile Banking App, you can take care of your banking transactions wherever you happen to be.

You receive your paperless banking documents and card statements from us in E-Banking and in the Mobile Banking App or via UBS Safe. We call this our “Standard” variant – it's easy, secure and good for the environment. But you can also choose the “Traditional” variant, in which case we’ll send you hardcopy documents.

Access App

With the Access App you can easily log in to E-Banking or the Mobile Banking App without using any extra gadgets. You can also use the Access App (3-D Secure) to confirm online credit card payments and shop even more securely online.


With UBS TWINT, you can pay with your smartphone easily and securely in shops or online. You can also send or request money from friends.

Mobile payment

Your smartphone becomes a UBS card with the Mobile Pay function, Apple Pay, Google Pay or Samsung Pay: Make contactless payments worldwide, easily and securely.

For information about our digital products and services, go to UBS Digital Banking.

Pillar 3a retirement savings account

The pillar 3a retirement savings account is the basis for tax-deductible retirement savings in pillar 3a. Decide for yourself when and how much you pay into your Fisca account, up to the maximum amounts permitted by law. Use a standing order to make regular deposits. You also benefit from a preferential interest rate.

For even higher potential returns, take a look at our Fisca custody account – the ideal complement to your retirement savings account.

These products are optional and are invoiced separately from the package price:

For travel

  • Do you often pay in euros? Then a Personal Account in EUR and / or a Credit Card in EUR is for you.
  • Whether trip cancellation, hospital stay or delayed flight: our UBS Insurance Plus insurance package protects you against financial risks while on vacation.

For investing

Open a banking package online

Put together your individual banking package with many benefits easily online.

Prices and additional offers

Package price per month*

  • Free of charge
  • Welcome gift of CHF 40 in KeyClub points

Bring a Friend

For successful referrals of a new client, which result in them opening a banking package for young people, undergraduates or young professionals, we'll give you 25 KeyClub points worth 25 Swiss francs.

Generation newsletter

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