What is UBS key4 business?

UBS key4 business – more than a business account

With UBS key4 business, you can handle your daily banking transactions easily and benefit from special conditions and partner offers – free of charge for up to two years when you take out a Zurich insurance policy.

Discover UBS key4 business

Marketplace

Get your business up and running with our partners’ products and services. Browse the marketplace and discover the wide range of offers.

Discover all partner offers

Flexible FX Forward

The Flexible FX Forward is an easy way to hedge against currency risks and draw the required amount conveniently and flexibly via E-Banking.

Discover Flexible FX Forward (PDF)

UBS Instant Business Credit

Liquidity in just a few clicks. Calculate your possible credit limit of up to CHF 500,000 easily online, then apply for a versatile loan right away.

Calculate now

Easily add authorized persons

Manage authorizations for employees conveniently via E-Banking and simplify your administrative work.

Discover how to manage authorizations

Use digital signature

Read and sign agreements directly in your Digital Banking.

Discover digital signature (PDF)

What are UBS key4 and UBS key4 business?

Our base digital offering for all SMEs is called UBS key4 business. As well as a free capital deposits account for founding an AG or GmbH, it includes a business account and card free of charge and special conditions for foreign currency transfers in the first year. The UBS key4 business marketplace also offers attractive discounts and products from our partners to make daily business life easier.

How do I open an account?

Can I open an account digitally in the evening and at weekends?

What are the requirements for opening UBS key4 business?

Minimum age 18 years
Residence in Switzerland

Passport or identity card from one of these countries

When founding a company:
- Establishment of an AG with CHF 100,000 or a GmbH with CHF 20,000 of capital
- Company name verified in the commercial register
- You hold at least 25% of the company shares
- Your name is entered in the commercial register with an individual signature

Technical requirements for installing and using the app:

Smartphone with camera
iPhone with iOS version 13.0 or higher
Smartphone with Android OS version 8.0 or higher

Find more information about the technical requirements

What are the special conditions for transfers in foreign currencies?

The conditions are valid for 12 months and apply to all individual transactions for amounts under 25,000 and to an annual volume of up to CHF 25,000.

0.85% margin for payments in foreign currencies (applies to induced FX transactions such as incoming and outgoing account payments in foreign currencies, currency swaps, account transfers, etc.)
For major currencies: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD
Forward margin surcharge possible

What is UBS Instant Business Credit?

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What is UBS key4 business?

UBS key4 business – more than a business account

Marketplace

Flexible FX Forward

UBS Instant Business Credit

Easily add authorized persons

Use digital signature

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