UBS Individual

The banking package for individuals

Banking Package UBS Individual at a glance

Free of charge in the first 6 months

For new clients or existing clients without a V PAY card or Maestro card

At an all-inclusive price

Accounts, cards and banking services in an affordable package

Withdraw cash free of charge

At all Swiss ATMs – no matter which bank

  • Includes Visa Card and Mastercard credit cards, plus a V PAY or Maestro debit card
  • Gold Credit Card at no extra charge in the first 6 months for new clients
  • Free cash withdrawals in CHF from your personal account using your debit card at all Swiss ATMs
  • E-banking, mobile banking, UBS Safe, Access App and UBS TWINT included
  • UBS KeyClub bonus program
  • Bank switching service included

Don’t have a UBS account?

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

Already have a UBS account?

Open your banking package directly in E-Banking at "Products > Banking packages".

Would you like to open a banking package spontaneously in person or don't have E-Banking? Visit us at a branch near you.

Services and conditions

From June 1, 2018, you will by default receive your bank documents and card statements from us electronically in e-banking and the Mobile Banking app or via UBS Safe. This is our “Standard” variant – it is simple, secure and protects the environment. You can, however, also opt for the “Traditional” variant, in which case we will send you your documents in paper form for a fee.

The personal account is the basis for your day-to-day banking. You can use it for your salary, your pension income as well as cash withdrawals, allowing you to manage your payment and securities transactions quickly and conveniently.

For your savings is the savings account the perfect supplement to a personal account. You have the option to open several savings accounts.

With the UBS V PAY Card or Maestro Card, you can make cashless payments in Switzerland and abroad as well as cash withdrawals at ATMs. The V PAY Card is accepted within Europe; the Maestro Card is accepted worldwide. Cash withdrawals in Swiss francs at all UBS Bancomats and non-UBS ATMs in Switzerland from the Personal Account are free of charge.

The Mastercard Standard and Visa Card Classic credit cards and the Prepaid Card allow you to remain flexible and make payments worldwide. The respective annual fees are included in the UBS Individual banking package. During the first year, you also receive the Gold Credit Card at special conditions. You can choose the type of credit cards in accordance with your needs:  

Alternatively, or in addition to your other cards, you receive a prepaid card.

The Fisca account is the basis for tax-privileged retirement savings as part of pillar 3a. You determine yourself when and how much you pay into your UBS Fisca account each year – taking account of the statutory maximum amounts. For regular contributions, you can use a standing order. You also benefit from a preferential rate of interest.

To enhance your earnings potential yet further, find out more about the Fisca custody account – the perfect supplement to a Fisca account.

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 for individuals offers you further benefits:

Special offers

As a UBS client, you enjoy a host of discounts on culture, leisure and entertainment.

UBS magazine

Stay up to date with the latest news and current offers

Investment fund account

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

Fees for the UBS Individual banking package

  • Free of charge in the first 6 months for new clients or existing UBS clients without a UBS Debit Card (V PAY/Maestro)


  • “Standard” variant: electronic delivery of bank documents and/or credit/prepaid card statements via digital banking
    • CHF 10 with total assets of CHF 10,000 or more, or with a building finance or mortgage at UBS
    • Otherwise CHF 15
  • “Traditional” variant: delivery of bank documents and/or credit/prepaid card statements in paper form
    • CHF 15 with total assets of CHF 10,000 or more, or with a building finance or mortgage at UBS
    • Otherwise CHF 20

Our tip: The UBS Family banking package is worthwhile for both families and couples. It includes accounts and cards at a flat rate that's only charged once per family or couple – including the UBS Savings Account for Young People for your children.