Free account

UBS key4 banking for young adults and students

Accounts, cards and attractive exchange rates in just 10 minutes – open in the app today.

  • Receive 50 KeyClub points worth CHF 50 as a welcome gift.

Your benefits with UBS key4 banking

Do your banking conveniently in the app and enjoy the following benefits:

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.

Intelligent and innovative insights

Make better financial decisions with our personalized analyses, tips, and quizzes.

CHF 50 as a gift

For young people under 26 and students under 30 years

Open UBS key4 banking and win

Get UBS key4 banking with free accounts and cards by 31 May 2024, receive CHF 50 in the form of KeyClub points as welcome gift and, with a bit of luck, win a 4-daypass for the OpenAir St. Gallen.

UBS key4 banking at a glance

  • Debit card for card payments at the checkout and free cash withdrawals in CHF at UBS/CS Bancomats.
  • Free cashyou subscription with over 3,000 special offers throughout Switzerland.
  • Lightning-fast shopping with TWINT, Apple Pay, Google Pay and Samsung Pay.
  • A welcome gift of 50 KeyClub points worth CHF 50.


Choose the right package for you

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Open your account – it's easy

Download the app

Choose your UBS key4 banking bundle - Pure or Pro.

Verify your identity

Grab your ID card or passport, and we’ll verify your identity by video call or selfie. 

Activate Access App

The Access App is how you log in to your new account.

Scan the QR code to download the app

Additional information


Recommend UBS

Recommend UBS and receive KeyClub points

You receive your KeyClub points after they sign up for the product. The prospective new client may also receive a reward, depending on the product.