Why are there different login methods and how do they differ?
Users have different needs. That’s why we offer different login methods - for instance for Mobile Banking. To make payments, especially when on the move, we recommend logging in with the Access App. The Access Card and card reader are only needed for additional security checks, for example when a transfer is made to a new recipient. To quickly check your account balance without any transaction details, the login via fingerprint, facial recognition or password is ideal. For further information see ubs.com/login-methods.
Do login methods differ in terms of security?
Different login methods aim to address different customer needs as closely as possible. You can use the fingerprint, facial recognition or password login to quickly log in to the Mobile Banking App, for example, but for security reasons not all functions are available (no payments). The combination of the Mobile Banking App and Access App is particularly convenient and secure because the two apps communicate with each other and automatically establish a secure connection with UBS. To approve payments to new beneficiaries, you will also need the card reader or Access Card Display for your own security. This prevents payments being made to unknown recipients – even if fraudsters manage to take full control of your device.
Which security standards are the login methods based on?
UBS login methods are based on two-factor authentication. This means that a user needs two independent elements to log in. When logging in with the Access Card, these are the card itself and the PIN entered on the Access Card Display or the card reader. When logging in with the Access App, the two factors consist of the app on the registered smartphone and the six-digit PIN for the Access App. When logging in without two-factor authentication, for instance via password login, not all functions are available for security reasons. For further information see ubs.com/security.