UBS key4 banking: The digital banking package

Q: Can I also open the account after hours or on the weekend via the App?

Yes, of course. You can open an account during the following hours: Monday to Friday: 8:00 a.m. to 10:00 p.m. Saturday: 9:00 a.m. to 5:00 p.m. And soon we will be available for you 24/7.

Q: Which exchange rate do we use?

We use the Mastercard® exchange rate plus 0.5%. The Mastercard® exchange rate is comparable to the interbank rate. You can easily calculate the precise exchange rate with the Mastercard currency converter . There are no processing fees.

Everything you need for your daily banking in one app

Enjoy attractive exchange rates in 120 countries with your UBS key4 prepaid card.
Pay without a processing surcharge and at favorable conditions abroad and online.
Lightning-fast shopping with TWINT, Apple Pay, Google Pay and Samsung Pay.
Buy and sell gold easily via your smartphone – from as little as 0.1 grams.
Extremely safe: logging in with the Access App protects you, your money and your data.
80 percent less plastic: our cards are made from environmentally friendly corn starch (PLA) and are 80 percent biodegradable.

You're in control

Pay effortlessly, including eBills

“Scan & Pay” function for QR-bills and payment slips – no need to type in the reference number
Check and approve eBill invoices directly in the app, or have them paid automatically
Pay contactless with your smartphone – with Apple Pay, Google Pay, Samsung Pay or with your smartwatch
International transfers – precise amount guaranteed, in over 120 currencies

Keep an eye on your accounts and cards

Check account balances and credit card spending at any time
Top up your prepaid card on the go
Block debit and prepaid cards directly in the app in case of emergency

Personalize the app

Set favorites and quick accesses to make it easier to navigate
Define account events and receive push notifications directly on your smartphone
Give accounts and cards a name of your choice (for example with «Household» or «Holidays»)

What's included?

Personal account for daily banking transactions
Savings account for big and small future plans
Sustainable savings account in support of eco-friendly goals
UBS key4 prepaid card for payments with attractive exchange rates
UBS Mastercard Debit for card payments at checkout and cash withdrawal
UBS TWINT for payments on the go or to friends

Factsheet UBS key4 bankingDownload

And how much does it cost?

CHF 0 / month

Young people up to age 26, students up to age 30

CHF 8 / month

Free of charge for the first six months

Open your banking package and receive 100 KeyClub points (worth CHF 100) free of charge.

Services and prices

Download the app, set up within minutes and you're done

Scan the QR code below with your mobile to download the UBS Mobile Banking App from the Apple App Store or Google Play Store.
Confirm your identify via video call (have your ID or passport ready).
Sign contracts online.
Set up secure login via the Access App.
Top up your prepaid card and get started right away.

Scan the QR code with your mobile and get started:

We offset CO₂ emissions with every new account opened, because we want to look forward to tomorrow.

Learn more about the initiative

Questions? Answers!

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What is UBS key4?

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, two savings accounts (one of which is sustainable), a prepaid card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and more), UBS TWINT and the UBS KeyClub bonus program. UBS key4 banking is free of charge for young people (up to age 26) and students (up to age 30).

And that’s just for starters: our digital offering is growing and more products will be available soon. More info

How do I open an account?

Online via the App – it’s easy!

Have you closed all other apps running in the background and is your connection stable? Great! Then we can get started.

Download the UBS Mobile Banking App from the Apple App Store or Google Play Store.
Confirm your identify via video call (have your ID or passport* to hand).
Sign contracts online.
Set up secure login via the Access App.
Top up your prepaid card and get started right away.

*All documents must be final. This means, for example, that we do not accept any outstanding applications for a foreigner's identity card.

Can I also open the account after hours or on the weekend via the App?

What do I need to open an account?

Minimum age: 15
Resident in Switzerland
Passport or ID card* from one of the following countries
For students: Valid student ID
For foreigners: residence permit B, C, Ci or L
Smartphone with camera and iOS version 13 or higher or Android version 10 or higher
A stable internet connection

*All documents must be final. This means, for example, that we do not accept any outstanding applications for a foreigner's identity card.

Which exchange rate do we use?