cashyou is the discount app for everyone under the age of 30 and completely free of charge for young people and students with a UBS account. Benefit from a variety of exclusive discounts, competitions and unbeatable cashback deals.

Spin & Win | UBS Switzerland

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. Opening hours differ on public holidays.

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 .

Q: How does cashback work?

Earning money has never been so easy: Store your UBS payment methods once in the cashyou app Get money back automatically with every purchase from numerous brand partners such as Burger King, dieci Pizza, Fust, DQ Solutions or Metro Check your accumulated cashback at any time in the cashyou app Have your cashback transferred to your UBS account with one click if you have accumulated CHF 60 or more

Open your account – it’s easy

01
Download the UBS Mobile Banking App
Open UBS key4 banking for free until 31 October 2024. Grab your ID card or passport, and we’ll verify your identity by video call or selfie. The best part: a welcome gift of 50 KeyClub points worth CHF 50.

Scan the QR code to download the app

02
Download the cashyou app
Register for free with cashyou and receive an additional welcome cashback worth CHF 50.

03
Spin & Win
Try your luck and spin the “Spin & Win“ wheel and multiply your welcome bonus. There is up to CHF 2,500 to be won – it’s worth taking part.
By the way: your cashyou cashback increases automatically – every time you pay with your UBS card or UBS TWINT at cashyou brand partners.

Conditions of the promotion

This information is issued by UBS Switzerland AG (“UBS,” “we”).

This offer is valid for young people aged 15 to 26 and students up to age 30 who open UBS key4 banking for the first time during the promotional period from 9 September (0:00 CET) to 31 October 2024 (24:00 CET) if they also download and activate cashyou on their smartphone free of charge within this period. The CHF 50 in the form of KeyClub points will be credited to the points account immediately. The welcome cashback via cashyou can be credited to the UBS account until the end of November 2024 if you have accumulated cashback of CHF 60.

Make more of your money – with cashyou

With cashyou you benefit from numerous deals

What is cashyou?

How does cashback work?

Girl showing smartphone with cashyou screen

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.

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
Free account
for young people under 26 years of age, students under 30 years of age
Pro
For everyday benefits and when traveling
Personal and savings account
Standard credit card and debit card
Limit: CHF 5,000 per month
Travel and aviation accident insurance
Free account
for young people under 26 years of age, students under 30 years of age

Slide 1-2

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

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: 12
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?

Skip Links

Spin & Win

Open your account – it’s easy

Download the UBS Mobile Banking App

Scan the QR code to download the app

Download the cashyou app

Spin & Win

Make more of your money – with cashyou