Your benefits with the bank’s offer for cross-border commuters

Whether account, card or attractive exchange rates, simply select the products you need.

  • Account and card

    A personal account and a debit card lets you handle your banking needs conveniently and easily pay online and in stores.

  • Attractive exchange rates

    With UBS key4 FX, you additionally benefit from attractive exchange rates and save on transfer fees.

  • Keep track of your finances

    Do your daily banking online with UBS Digital Banking and maintain an overview of your finances.

The main points in a nutshell

  • Ideal for individuals who work in Switzerland and live abroad.
  • Thanks to UBS Digital Banking, you can conveniently manage your banking transactions online.
  • With a debit card and a personal account, you can access your finances anytime and anywhere.
  • And with a UBS key4 FX subscription, you save on transfer costs and benefit from attractive exchange rates.

What does our banking offer include?

A solid foundation for every day: Carry out your daily banking transactions from your UBS Personal account quickly and conveniently.

  • Personal account in CHF
To the personal account

The debit card is your daily companion for payments – online and in stores.

    • Pay with cash and contactless
    • Withdrawing money from an ATM
    • Add to Apple Pay
    To the debit card

    With the FX subscription you benefit from attractive exchange rates when transferring money abroad.

      • Three subscriptions to choose from
      • No transaction fees
      • Attractive exchange rates

      Do your banking wherever and whenever you want – in E-Banking or with the Mobile Banking app.

        • With E-Banking, you can conveniently manage your banking transactions on your computer.
        • And with the Mobile Banking app, you can easily manage your banking transactions on your smartphone.

        You can add other products based on your needs:

        • Credit card
        • Prepaid card in CHF
        • Personal account in EUR

        Save on regular international transfers

        Combine your account and card with UBS key4 FX. Select the appropriate offer and start making international transfers for less, starting tomorrow.

        • Basic

          From CHF 9 per month

          For transfers abroad from CHF 400 per month

          • Personal account and savings account
          • Debit card
          • FX Basic subscription with 30% reduced FX fee1 and no transaction fees
          • UBS Digital Banking

        • Standard

          From CHF 12 per month

          For transfers abroad from CHF 750 per month

          • Personal account and savings account
          • Debit card
          • FX Standard subscription with 50% reduced FX fee1 and no transaction fees
          • UBS Digital Banking

        • Premium

          From CHF 17 per month

          For transfers abroad from CHF 1,250 per month

          • Personal account and savings account
          • Debit card
          • FX Premium subscription with 75% reduced FX fee1 and no transaction fees
          • UBS Digital Banking
        Slide 1-3

        1 Without an FX subscription, the FX fee for EUR is 1.7%. For other currencies and details on transaction fees, see UBS key4 FX.

        Find out which FX subscription is best for you

        With the UBS key4 FX foreign currency calculator you can quickly and easily find out which subscription suits you and how much you can save.

        Open your bank account for cross-border commuters now

        Please make an appointment at one of our branches, and we will be happy to advise you on our offer for cross-border commuters.

        FAQ

        Additional information