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 an ideal addition to your credit card – you can withdraw cash at ATMs and pay with contactless too. The Maestro card is an ideal addition to your credit card – you can withdraw cash at ATMs and pay with contactless too.

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.