UBS Banking gives you everything you need for your financial everyday life in one place: an account for payments, a savings account, cards and digital banking in the app. It lets you easily manage your money, whether during your apprenticeship, at university or on the go. Depending on the offer chosen, the following products are included: Personal account and savings account for your expenses and savings goals Debit card with free cash withdrawals at UBS Bancomats UBS Classic Credit Card or a UBS Prepaid Card for 12 to 18-year-olds Optional Gold or Platinum card with additional travel benefits for added convenience E-Banking and Mobile Banking for making payments, managing your cards and keeping track of your money KeyClub points and cashyou benefits: with KeyClub, you collect points when you pay with your UBS Credit Card or, depending on the offer, with your Prepaid Card. cashyou also offers you cashback and discounts on selected brands.

Open an account for young people and students online

Q: Which documents do I need for a student account?

You need a valid student ID to open a student account: Student ID card, identity card or A current enrollment or study confirmation

Q: Can I open an account for young people and students if I’m an apprentice?

Yes. The account for young people and students is also suitable if you’re doing an apprenticeship. You can use it from age 12 to 26, and as a student even up to age 30. This gives you an account for everyday use, your salary, pocket money, savings goals and digital banking.

Q: Can parents open an account for young people and students for their child?

From the age of 12, you can open your account for young people and students yourself online. Your parents are welcome to help you do so. If parents want to save separately for a child under the age of 18, a UBS Gift Savings Account is ideal for this purpose.

Q: Who can access an account for young people and students for those under 18?

You can generally access your account for young people and students yourself. Your parents do not automatically see the account. If you wish, you can apply for a power of attorney after opening the account so that your parents will have access. This can be done in the UBS Mobile Banking App under “Profile > Attorneys” or at a UBS branch.

Q: How does cashback with cashyou work?

Add your UBS payment method once in the cashyou app. Get automatic cashback on every purchase at numerous brand partners such as Burger King, dieci pizza, Fust, DQ Solutions and Metro. Check your accumulated cashback in the cashyou app anytime. Once you have accumulated CHF 60 in cashback, you can conveniently transfer it to your UBS account with just one click.

Everything you need to get started

Open your account in just a few minutes right in the app. From CHF 0 per month, you’ll get:

A personal account for your daily expenses
A savings account to achieve your goals and dreams
A debit card with free cash withdrawals at UBS Bancomats
If you’re between 18 and 26 years old, or up to 30 if you are a student, you’ll receive a UBS Classic Credit Card. If you’re between 12 and 18 years old, you’ll receive a UBS Prepaid Card.

cashyou Cashback and discounts: make every purchase count

Want to buy new sneakers, order food or book your next trip? With cashyou, you’ll get cashback and access to over 3,000 deals and discounts from brands like Adidas, Just Eat, Zalando, Manor and SBB.

Discover cashyou

KeyClub CHF 50 in KeyClub points for joining, earn more every time you pay

You’ll receive CHF 50 in KeyClub points to get started. Redeem them in our eStore for gift cards, event tickets and much more. And with your credit or prepaid card, you’ll keep earning more points.

Discover KeyClub

TWINT or contactless
Need to pay back your friends for lunch? With TWINT, it’s done in seconds. And you can pay for coffee or groceries in a flash, too – with Apple Pay or Google Pay.
Stay on top of things
If things get tight at the end of the month, you can see where your money is going in the app – whether it’s Spotify, Netflix or the gym.
Pay bills easily
Did you forget to pay a bill? Activate eBill and never miss another payment deadline.
Save for your next trip or your dream bike
Transfer money to your savings account with just one click and get closer to your goals, step by step.
Wasn’t me
Get notifications about purchases, confirm payments – and block your card immediately if something doesn’t look right.

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UBS Banking Classic: free of charge
For the day to day, with handy benefits
Classic gives you travel accident insurance and a 15% discount on rental cars. Great for spontaneous road trips with friends.
Discover Classic
Most popular
6 months free
UBS Banking Gold: CHF 8 per month
For more convenience day to day and when traveling
With Gold you get two additional withdrawals per month at other banks in Switzerland. You also benefit from discounts on stays in Switzerland and premium travel insurance. Perfect for your next adventures – from a ski weekend in Zermatt to a semester abroad in Barcelona.
Discover Gold
6 months free
UBS Banking Platinum: CHF 35 per month
For memorable experiences in Switzerland and around the world
Platinum offers you two free cash withdrawals worldwide, exclusive international hotel stays as well as comprehensive travel insurance, including for cancellations, luggage and accidents. Perfect for trips around the world.
Discover Platinum

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Services and prices

Received your first paycheck? Invest in your future

Getting started with investing is easier than you might think. UBS key4 smart investing is here to guide you through the process. Get started from just CHF 50. Plus, until you turn 26, you’ll benefit from a reduced flat fee of 0.45% instead of 0.90%; for students, this benefit applies until age 30.

Invest in the future

Your first big trip
Get an upgrade with a credit card that offers you lots of benefits for hotels, rental cars and travel.
Moving into your own apartment
Open a rental deposit account or household account and simplify your everyday finances.
Starting a new job or internship
Investing, additional savings accounts or pillar 3a could be of interest to you.
Life after graduation
You don’t need to do anything after you turn 26. Your card benefits remain unchanged and you gain access to solutions that support you going forward – no matter what life has in store for you.

Schedule a callback

Monday to Friday, 8:00 a.m. to 6:00 p.m.

Schedule an appointment

Visit us at one of our branches

Frequently asked questions

Do you have questions about UBS Banking, accounts or cards? Find the answers at a glance.

What’s included?

UBS Banking gives you everything you need for your financial everyday life in one place: an account for payments, a savings account, cards and digital banking in the app. It lets you easily manage your money, whether during your apprenticeship, at university or on the go.

Depending on the offer chosen, the following products are included:

Personal account and savings account for your expenses and savings goals
Debit card with free cash withdrawals at UBS Bancomats
UBS Classic Credit Card or a UBS Prepaid Card for 12 to 18-year-olds
Optional Gold or Platinum card with additional travel benefits for added convenience
E-Banking and Mobile Banking for making payments, managing your cards and keeping track of your money
KeyClub points and cashyou benefits: with KeyClub, you collect points when you pay with your UBS Credit Card or, depending on the offer, with your Prepaid Card. cashyou also offers you cashback and discounts on selected brands.

How can I open an account for young people and students online?

You can open your account for young people and students online in just a few minutes – directly in the UBS Mobile Banking App.

Download the “UBS & UBS key4” app.
Select “Open an account”.
Have your ID or passport to hand and confirm your identity via video or selfie.
Sign contracts digitally in the app.
Set up your login with the UBS Access App.
You can then use your account, make payments and manage your cards.

Which documents do I need for a student account?

Can I open an account for young people and students if I’m an apprentice?

Can I open an account in Switzerland as an international student?

Yes. You can open an account if you’re an international student studying in Switzerland – online via the app or at a UBS branch. To do so, you’ll need a valid passport or ID, as well as proof of your residence in Switzerland.

Acceptable proof includes either a B, C, Ci or L residence permit or a registration confirmation from your municipality.

You’ll also need proof of enrollment, such as a student ID card or a current enrollment confirmation.

Can parents open an account for young people and students for their child?

Who can access an account for young people and students for those under 18?

What is KeyClub?

UBS KeyClub is UBS’s bonus program. You collect KeyClub points when you pay with your UBS Credit Card. Depending on the offer, young people and students can also collect points with their prepaid card.

Each KeyClub point is worth CHF 1. You can redeem your points in the KeyClub eStore, for example for digital gift cards, products or offers from our partners, making everyday payments even more attractive.

How does cashback with cashyou work?

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Open an account for young people and students online

cashyou Cashback and discounts: make every purchase count

KeyClub CHF 50 in KeyClub points for joining, earn more every time you pay

Win a CHF 500 travel voucher

TWINT or contactless

Stay on top of things

Pay bills easily

Save for your next trip or your dream bike

Wasn’t me

UBS Banking Classic: free of charge For the day to day, with handy benefits

UBS Banking Gold: CHF 8 per month For more convenience day to day and when traveling

UBS Banking Platinum: CHF 35 per month For memorable experiences in Switzerland and around the world

Received your first paycheck? Invest in your future

Your first big trip

Moving into your own apartment

Starting a new job or internship

Life after graduation

Managing finances in a relationship

Tax return

Financial comparisons

Investing in practice

Pension basics

Investing

Salary

Budgeting

Schedule a callback

Schedule an appointment

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UBS Banking Classic: free of charge
For the day to day, with handy benefits

UBS Banking Gold: CHF 8 per month
For more convenience day to day and when traveling

UBS Banking Platinum: CHF 35 per month
For memorable experiences in Switzerland and around the world