Debit card comparison

Find the debit card that’s right for you

With a V PAY or Maestro card, you can make cashless payments in stores in Switzerland and abroad. Our comparison provides you a rundown on the differences between the two cards.

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.

What is the difference between a V PAY card and a Maestro card?

The main difference is the level of security offered by each card. The chip-based card technology found in the V PAY card prevents card data from being copied (skimming) and protects your card from being misused. With the Maestro card, geographical limits as regards where the card can be used can be put in place to prevent skimming.

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.