The banking package for individuals

Banking as different as I am

You'd like more than just one account or credit card? With our new banking package UBS Individual, you pay only for what you really need.

Benefits at a glance

Exclusive discount in the first 6 months

Pay only for what you really need

Withdraw cash free of charge – no matter the bank

Product overview

Personal account in CHF

The personal account  is the basis for your day-to-day banking. Use it for salary payments and cash withdrawals, allowing you to take care of your payment and securities transactions quickly and conveniently. 

Savings account in CHF

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

Payment transactions

With a personal account, domestic payments in Swiss francs are free of charge. You can 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 in Switzerland from your personal account at all UBS Bancomats and non-UBS ATMs. The annual fee for both cards is included in the banking package.

Pay worldwide and stay flexible with our Mastercard Standard and Visa Card Classic credit cards and the Prepaid Card. The annual fee is included in the Banking Package UBS Individual. You also receive our Gold credit card for the first six months free of charge. You choose the style of credit cards you prefer: credit card as a two-card set (Visa and Mastercard),  Optimus Foundation Charity Card or other special cards.

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.

E-Banking aund 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.

You receive your paperless banking documents and card statements from us in E-Banking and in the Mobile Banking App or via the 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. We’ll then send you a hardcopy of your documents for an extra charge.

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.

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.

You can find all information on our digital products and services under 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 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, look into the Fisca Custody Account – the ideal complement to your retirement savings account.

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

For payments

  • The current account is the basis for developing your larger private payment and securities transactions. Your account balance is always accessible.

For travel

  • Do you often pay in euros? Then a euro personal account and/or a euro credit card 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

  • Build up your assets gradually on preferential terms with the Investment Fund Account.
  • The custody account is the basis for your investments. You can use your custody account to buy and sell shares, investment funds, bonds or precious metals.

Open a banking package online

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

Prices and additional offers

  • For individuals age 24 and above
  • Package price per month* (payment possible with UBS KeyClub points)
    • Exclusive discount in the first 6 months for new or existing clients without a Debit Card
    • From CHF 10 from CHF 10,000 in total assets or with UBS Building Financing or a UBS Mortgage; otherwise, from CHF 15 for the “Standard” variant: digital bank documents and paperless credit/prepaid card statements
    • From CHF 15 from CHF 10,000 in total assets or with UBS Building Financing or a UBS Mortgage; otherwise, from CHF 20 for the “Traditional” variant: hardcopy bank documents and/or credit/prepaid card statements

Changing-banks service

Simply close your bank account and switch to UBS: We’ll help you to switch banks and will prepare everything you need.

Special offers

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

UBS Magazine

UBS Magazine keeps you up to date with the latest news and current offers.

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.