UBS Generation

The banking package for young people

Banking Package UBS Generation at a glance

Free account management

No fees charged for your personal account, savings account, or banking services

Withdraw cash free of charge

At all Swiss ATMs – no matter which bank

Welcome gift

CHF 40 in the form of KeyClub points for new clients

  • For young people aged 12 to 22
  • Free cards, accounts and banking services
  • Includes a V PAY or Maestro card, and a credit and prepaid card
  • Free cash withdrawals in CHF from your personal account using your debit card at all Swiss ATMs
  • Preferential interest rate for your personal account and savings account for young people
  • UBS KeyClub bonus program
  • E-banking, mobile banking, UBS Safe, Access App and UBS TWINT included

Don’t have a UBS account?

Open your banking package, including accounts and cards, conveniently via app.

Already have a UBS account?

Save time at your branch: make an appointment to open a banking package.

Would you like to open a banking package spontaneously in person? Visit us at a branch near you.

Services and conditions

We'll normally send you your bank documents and card statements electronically in E-Banking, our Mobile Banking app or via UBS Safe. This is our “Standard” variant and it's simple, secure and protects the environment. Alternatively, you can opt for the “Traditional” variant, in which case you'll receive your documents as hard copies in the mail.

The Generation personal account for young people forms the basis for your daily banking transactions. Use the account for incoming salary payments, pocket money, cash withdrawals and making payments. You also benefit from a preferential interest rate.

The UBS savings account for young people is the ideal supplement to a personal account. Whatever your savings target – our preferential interest rate allows you to move closer to achieving objectives of any size.

With the UBS V PAY Card and Maestro Card, you can pay with contactless and withdraw cash at ATMs in Switzerland and abroad. The V PAY Card is accepted within Europe; the Maestro Card is accepted worldwide.

The UBS Prepaid Card as well as the Mastercard Standard and Visa Card Classic credit cards allow you to remain flexible and make payments worldwide. The prepaid card is made available to young people who are 12 or over. This allows you to determine your budget in advance.

Credit cards can be applied for upon reaching the age of 18. You can choose from the following card types:

  • Two-card set
  • Or the Special Edition Credit Card

E-banking and mobile banking

Whether transferring money or maintaining an overview of your assets, e-banking and the Mobile Banking app let you do your banking wherever you are.

Access app

The Access app allows you to log on to e-banking or the Mobile Banking app easily and securely – with no additional tools needed. You can also confirm online credit card payments via the Access app (3D Secure) for added security.

UBS Safe

UBS Safe is your digital safe deposit box. Your bank documents are automatically backed up here and can be viewed via e-banking or the Safe app on your smartphone. Personal documents, passwords and photos can also be stored securely in Safe.


With UBS TWINT, you can make payments simply and securely in stores or online with your smartphone, as well as send and request money to and from your friends and family.

You can find all information on our digital products and services under UBS Digital Banking.

With our free UBS KeyClub bonus program, you collect points by actively using your credit and prepaid cards. You can use the bonus points like cash on a 1:1 basis. More than 30 partners – including H&M, Fust, Manor and Globus – will accept your bonus points. Or you can select your gift from the comfort of your own home in the KeyClub eStore.

Further information can be found at UBS KeyClub.

With a personal account, domestic payments made in Swiss francs are free of charge. To make domestic payments, you can use our Mobile Banking app, a UBS Multimat or LSV+ (direct debit), while recurring payments can be made by standing order.

The banking package offers you further benefits:

Bring a friend

We will give you CHF 25 in the form of KeyClub points for the successful referral of a new client who signs up for a Banking Package UBS Generation or Banking Package UBS Campus.

Investment fund account

Build up your assets gradually with an investment fund account and enjoy beneficial conditions