Possible extra charges

Lottery, competition and casino transactions

Lottery sales (with the exception of Swisslos and Loterie Romande), competition and casino sales count as cash withdrawals on which a fee of 4% is charged. A maximum of CHF 100, EUR 100 or USD 100 is charged per transaction.

Card payments abroad in Swiss francs

When you make a payment abroad with your credit or prepaid card in Swiss francs, an additional charge of 1.75% may apply. This applies both to payments at card terminals and to payments in foreign online shops.

Our tip: Pay in the currency of the country in question – that way you will generally benefit from a more favorable exchange rate.

Foreign currency conversion

UBS credit and prepaid cards let you transact in over 100 different currencies, giving you the flexibility you need when traveling the globe. For each UBS credit or prepaid card, a currency is specified in which the card is settled (for example, Swiss francs), and UBS must ensure that the merchant receives the correct amount in the corresponding currency.

Every card transaction in a currency other than the specified currency is converted at the exchange rate prevailing on the day before the booking date, which is determined by the counterparty on the market side (UBS Investment Bank, Visa or Mastercard). UBS makes a profit by charging a foreign exchange surcharge for currency conversion. The surcharge amount depends on the currency:



Maximum surcharge amount

Maximum surcharge amount


Main currencies*

Maximum surcharge amount



Minor currencies**

Maximum surcharge amount



Other currencies***

Maximum surcharge amount


* The main currencies are AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD (ISO code).
** The minor currencies are AED, BHD, CZK, HUF, ILS, KWD, MAD, OMR, PLN, QAR, SAR, THB, ZAR (ISO code).
*** All other currencies

The foreign exchange surcharge is a one-time charge and may be applied in addition to any all-in administration fees or transaction costs (e.g., processing fee).

Please consult your client advisor for further information about products and fees.


Interchange fee

As the card issuer, UBS receives a so-called interchange fee for every UBS card-based transaction from the acquirer (the company that enters into contracts with merchants regarding the acceptance of cards as a means of payment).

Among other things, the interchange fee is used to cover the current costs, especially the costs for the transaction processing and the costs in connection with the risks of granting credit, provided these are not already covered by prices or fees according to the lists or product factsheets. The amount of the fee corresponds to a fixed amount and/or a percentage of the transaction amount, which depends on various factors: the country in which the card is used, card product, type of transaction settlement, etc.

The interchange fees of UBS Credit and Prepaid Cards currently range from 0.35% and 0.6% in Switzerland and between 0.% and 2.1% abroad.

The interchange fee is subject to change at any time.