Make contactless payments

Make payments quickly and securely with your prepaid, debit or credit card.

To make a payment, briefly hold your card close to the payment terminal – for small amounts, you don't even need to enter your PIN.

Make contactless, PIN-free debit or credit card payments of up to 80 francs.

In the current situation, the demand from customers and merchants for contactless card payment is strong because it makes complying with official hygiene recommendations easier.

To ensure that most purchases can be paid for contactlessly by card and without a PIN code, we’ve increased the payment limit from 40 to 80 francs. This increase applies throughout Switzerland to all card products, i.e., debit, credit and prepaid cards.

Please note:

  • Because merchants need to update their payment terminal software, the nationwide changeover is likely to take several days or even weeks.
  • For debit cards, the new limit will be activated when you make your next contact payment (card in terminal and PIN entry).

Contactless payments at a glance


No need to search your pockets for small change


No PIN needed for small amounts


You never need to hand over your card

1. Hold your debit, prepaid or credit card – ensure it has the wave symbol.

2. Wait for the prompt to appear on the screen, hold the card close to the payment terminal with the wave symbol, wait for the beep…

3. … and that’s it!  

Contactless payment based on NFC (near field communication). It’s based on the same technology as ski passes or access badges at work.

When you hold your card close to the reader, a one-time code is generated. This means that your card can’t be charged multiple times.

Where can I make contactless payments?

Contactless payments are just as secure as payments with a traditional card.

  • The card stays in your hand during the entire payment process.
  • Payment is made only when the card is close to the reader.
  • In Switzerland, you also have to enter a PIN code for amounts of, temporarily, more than CHF 80
  • Only one payment can be made per contact with the reader

If your card is lost or stolen, you should have it blocked as soon as possible in the UBS Mobile Banking app, via UBS e-banking or by calling our customer service team.

Before you can pay with contactless, you must activate the NFC technology on your debit card by entering your PIN at a payment terminal or bancomat.

A replacement card will have the same NFC settings as your previous card.

Yes, you can deactivate contactless payment on your debit card in Digital Banking.

You cannot deactivate the contactless function on a credit card. If you would like a credit card without NFC technology, we suggest our UBS Basic Credit Card.

Get UBS TWINT, Apple Pay, Google Pay or Samsung Pay on your smartphone. Then you can pay without contact and without entering an additional PIN on the terminal.

Don’t have a UBS account?

Open your banking package, including accounts and cards, conveniently via app.

Already have a UBS account?

Apply for your credit card directly in E-Banking at "Products > Cards".

Would you like to apply for your card spontaneously in person or don't have E-Banking? Visit us at a branch near you.