UBS key4 banking: The digital banking package

Q: Can I also open the account via the app in the evenings or at the weekend?

Yes, with a biometric passport you can open the account at any time since you can have your identity verified independently by providing a selfie. With a passport or ID, we will be happy to verify your identity at the following times by video call : Monday to Friday: 8 a.m. to 10 p.m., Saturday: 9 a.m. to 5 p.m.

Q: Which exchange rate do we use?

We use the Mastercard® exchange rate plus 0.5% for payments with UBS key4 prepaid and credit cards. There is no additional processing surcharge when using the card to make payments in Swiss francs abroad or in foreign online shops. You can easily calculate the precise exchange rate with the Mastercard currency converter .

This is smart

Get started without an appointment

You can open UBS key4 banking directly via app within minutes.

Attractive exchange rates worldwide

Travel around the world and pay with top exchange rates wherever you go.

No processing fees

Pay without a processing surcharge and at favorable conditions abroad and online.

Everything for Daily-Banking in one app

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.
Manage your investments and your retirement provision simply and clearly directly in the app.

Factsheet UBS key4 bankingDownload

Choose the right package for you

Pure
For those who like to keep things simple
Personal and savings account
Prepaid and debit card
Limit: add up to CHF 10,000 per month
A welcome gift of 50 KeyClub points worth CHF 50
CHF 8 / month
First 6 months free
Open an account now
Services and prices
Pro
For everyday benefits and when traveling
Personal and savings account
Standard credit card and debit card
Limit: CHF 5,000 per month
A welcome gift of 50 KeyClub points worth CHF 50
Travel and aviation accident insurance
CHF 14 / month
First 6 months free
Open an account now
Services and prices
Prime
For certain extras
Personal and savings account
Premium credit card and debit card
Limit: CHF 10,000 per month
A welcome gift of 50 KeyClub points worth CHF 50
Travel and aviation accident insurance
Collision Damage Waiver for rental cars
Priority pass for access to airport lounges
CHF 22 / month
First 6 months free
Open an account now
Services and prices

Special offering for young adults and students

Young people under 26 years of age, students under 30 years of age.

Absolutely nothing: CHF 0 / month
KeyClub bonus program: 50 KeyClub points (CHF 50) free of charge
Free cashyou subscription with over 3,000 special offers throughout Switzerland

More about the offer

Download the app, set up within minutes and benefit from the interest bonus

If you're on your mobile phone, download the app here.

If you're on your computer, scan the QR code to download the app.

Download the app
Select the appropriate UBS key4 banking
Confirm your identity by video call or selfie (have your ID or passport to hand)
Sign the contracts in the app
Set up your login via the Access App
Add credit to up your prepaid card and get started right away

Attractive interest on savings

Open a UBS key4 banking account and benefit from a 0.5% interest bonus on the UBS Sustainable Savings Account until the end of the year – in addition to the standard interest rate, which is currently 0.1%.

Learn more

FAQ

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, a sustainable savings account, a UBS key4 credit or prepaid card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 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?

Download the app, set it up in just a few minutes – and you’re done!

Download the app
Select the appropriate UBS key4 banking
Confirm your identity by video call or selfie (have your ID or passport to hand)
Sign the contracts in the app
Set up your login via the Access App
Add credit to your prepaid card and you’re good to go; you can start using the standard and premium credit card right away

Here’s how we verify your identity

Depending on the kind of identification document you have, the identity verification will be carried out either during our opening hours by video call or at any time by providing a selfie.

With a biometric passport – by providing a selfie

Scan your passport.
Your personal details will be read automatically.
Take a selfie and we will compare this with your identification document.

With an ID or passport – by video call

Start the video call from within the app.
Make sure you have your passport or ID* to hand.
We will verify your identity during the call.

*In addition to a passport or ID, foreign nationals need a residence permit B, C, Ci or L

Can I also open the account via the app in the evenings or at the weekend?

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
Smartphone with the usage restrictions as provided by the manufacturer (no rooting or jailbreak, find out more here)
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?

My banking package will shortly become UBS key4. What does this mean for me?

As previously notified, your banking package will shortly automatically be switched to UBS key4. Account numbers, credit, prepaid and debit cards and other products and services will not change. You do not need to do anything.

With UBS key4 you have your bank in the app. Use your existing products and services more quickly, directly and conveniently and be the first to learn about upcoming innovations.

UBS key4 banking help section

Get more out of your money

UBS key4 smart investing

Invest with UBS key4 smart investing

Get individual fund recommendations
Get started - from as little as 50 francs
Manage your investments conveniently via the app

Invest online today

UBS key4 pension

Save with UBS key4 pension 3a

Open your pension account in the Mobile Banking App
Save on taxes and decide for yourself how much you pay in
Invest your pension savings for potentially higher returns

Start saving online

UBS key4 FX

Enjoy cheaper foreign currency transfers with UBS key4 FX

Benefit from attractive exchange rates
Save on transaction fees
Available for up to 32 currencies

Try it now

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UBS key4 banking