Debit card comparison

The difference between a V PAY and a Maestro card

You can make cashless payments in shops at home and abroad with both debit cards. The main difference lies in the security. The V PAY card’s chip-based card technology makes copying card data (skimming) impossible. With the Maestro card, you can set geographical limits for its usage.

V PAY card

The V PAY card allows you to withdraw cash from ATMs and pay for your shopping without using cash – now also contactless.

Maestro card

The Maestro card is the ideal complement to your credit card, allowing you to make cashless payments and to withdraw money from ATMs.

Card acceptance

Card acceptance

V PAY

V PAY

Maestro card

Maestro card

Card acceptance

Switzerland

V PAY

Anywhere

Maestro card

Anywhere

Card acceptance

Europe

V PAY

At many ATMs

Maestro card

At many ATMs

Card acceptance

Worldwide

V PAY

approx. 90%

Maestro card

approx. 98%

Card acceptance

Worldwide together with a credit card

V PAY

100%

Maestro card

100%

Card acceptance

Find ATM locations

V PAY

Link

Maestro card

Link

Ways to use your card / functions

Ways to use your card / functions

V PAY

V PAY

Maestro card

Maestro card

Ways to use your card / functions

UBS Bancomat, Bancomat Plus and Multimat

V PAY

Yes

Maestro card

Yes

Ways to use your card / functions

Third-party ATMs

V PAY

Yes

Maestro card

Yes

Ways to use your card / functions

Cashless payments

V PAY

Yes

Maestro card

Yes

Ways to use your card / functions

Contactless payments (NFC)

V PAY

Yes

Maestro card

N.A.

Ways to use your card / functions

Online payments

V PAY

N.A.

Maestro card

N.A.

Ways to use your card / functions

Bank debit (direct debit)

V PAY

CHF / EUR

Maestro card

CHF / EUR

Ways to use your card / functions

Regional settings (geoblocking)

V PAY

N.A.

Maestro card

Yes

Ways to use your card / functions

Protection against skimming (technical)

V PAY

Yes

Maestro card

N.A.

Customer card

A card with which you can access account information, withdraw cash throughout Switzerland and take care of bank transactions – at UBS ATMs and Multimats.