Question 1

What is UBS key4?

Accepted Answer

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 credit or prepaid card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

And that’s just for starters: our digital offering is growing and more products will be available soon. More info

Question 2

How do I open an account?

Accepted Answer

Download the app, set it up in just a few minutes – and you’re done!

Download the app
Select the appropriate UBS key4 banking
Confirm your identity by video call or selfie (have your ID or passport to hand)
Sign the contracts in the app
Set up your login via the Access App
Add credit to your prepaid card and you’re good to go

Here’s how we verify your identity

Depending on the kind of identification document you have, the identity verification will be carried out either during our opening hours by video call or at any time by providing a selfie.

With a biometric passport – by providing a selfie

Scan your passport.
Your personal details will be read automatically.
Take a selfie and we will compare this with your identification document.

With an ID or passport – by video call

Start the video call from within the app.
Make sure you have your passport or ID* to hand.
We will verify your identity during the call.

*In addition to a passport or ID, foreign nationals need a residence permit B, C, Ci or L

Question 3

Can I also open the account via the app in the evenings or at the weekend?

Accepted Answer

Yes, with a biometric passport you can open the account at any time since you can have your identity verified independently by providing a selfie.
With a passport or ID, we will be happy to verify your identity at the following times by video call: Monday to Friday: 8 a.m. to 10 p.m., Saturday: 9 a.m. to 5 p.m. Opening hours differ on public holidays.

Question 4

What do I need to open an account?

Accepted Answer

Minimum age: 12
Resident in Switzerland
Passport or ID card* from one of the following countries
For students: Valid student ID
For foreigners: residence permit B, C, Ci or L
Smartphone with camera and iOS version 13 or higher or Android version 10 or higher
Smartphone with the usage restrictions as provided by the manufacturer (no rooting or jailbreak, find out more here)
A stable internet connection

*All documents must be final. This means, for example, that we do not accept any outstanding applications for a foreigner's identity card.

Question 5

Which exchange rate do we use?

Accepted Answer

We use the Mastercard® exchange rate plus 0.5% for payments with UBS key4 prepaid and credit cards. There is no additional processing surcharge when using the card to make payments in Swiss francs abroad or in foreign online shops.
You can easily calculate the precise exchange rate with the Mastercard currency converter.

Question 6

What is cashyou?

Accepted Answer

cashyou is the discount app for everyone under the age of 30 and completely free of charge for young people and students with a UBS account. Benefit from a variety of exclusive discounts, competitions and unbeatable cashback deals.

Question 7

How does cashback work?

Accepted Answer

Earning money has never been so easy:

Store your UBS payment methods once in the cashyou app
Get money back automatically with every purchase from numerous brand partners such as Burger King, dieci Pizza, Fust, DQ Solutions or Metro
Check your accumulated cashback at any time in the cashyou app
Have your cashback transferred to your UBS account with one click if you have accumulated CHF 60 or more

Question 8

Conditions of the promotion

Accepted Answer

This information is issued by UBS Switzerland AG (“UBS,” “we”).

This offer is valid for young people aged 15 to 26 and students up to age 30 who open UBS key4 banking for the first time during the promotional period from 9 September (0:00 CET) to 31 October 2024 (24:00 CET) if they also download and activate cashyou on their smartphone free of charge within this period. The CHF 50 in the form of KeyClub points will be credited to the points account immediately. The welcome cashback via cashyou can be credited to the UBS account until the end of November 2024 if you have accumulated cashback of CHF 60.

Question 9

What is UBS key4?

Accepted Answer

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 credit or prepaid card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

And that’s just for starters: our digital offering is growing and more products will be available soon. More info

Question 10

How do I open an account?

Accepted Answer

Download the app, set it up in just a few minutes – and you’re done!

Download the app
Select the appropriate UBS key4 banking
Confirm your identity by video call or selfie (have your ID or passport to hand)
Sign the contracts in the app
Set up your login via the Access App
Add credit to your prepaid card and you’re good to go

Here’s how we verify your identity

Depending on the kind of identification document you have, the identity verification will be carried out either during our opening hours by video call or at any time by providing a selfie.

With a biometric passport – by providing a selfie

Scan your passport.
Your personal details will be read automatically.
Take a selfie and we will compare this with your identification document.

With an ID or passport – by video call

Start the video call from within the app.
Make sure you have your passport or ID* to hand.
We will verify your identity during the call.

*In addition to a passport or ID, foreign nationals need a residence permit B, C, Ci or L

Question 11

Can I also open the account via the app in the evenings or at the weekend?

Accepted Answer

Yes, with a biometric passport you can open the account at any time since you can have your identity verified independently by providing a selfie.
With a passport or ID, we will be happy to verify your identity at the following times by video call: Monday to Friday: 8 a.m. to 10 p.m., Saturday: 9 a.m. to 5 p.m. Opening hours differ on public holidays.

Question 12

What do I need to open an account?

Accepted Answer

Minimum age: 12
Resident in Switzerland
Passport or ID card* from one of the following countries
For students: Valid student ID
For foreigners: residence permit B, C, Ci or L
Smartphone with camera and iOS version 13 or higher or Android version 10 or higher
Smartphone with the usage restrictions as provided by the manufacturer (no rooting or jailbreak, find out more here)
A stable internet connection

*All documents must be final. This means, for example, that we do not accept any outstanding applications for a foreigner's identity card.

Question 13

Which exchange rate do we use?

Accepted Answer

We use the Mastercard® exchange rate plus 0.5% for payments with UBS key4 prepaid and credit cards. There is no additional processing surcharge when using the card to make payments in Swiss francs abroad or in foreign online shops.
You can easily calculate the precise exchange rate with the Mastercard currency converter.

Question 14

What is cashyou?

Accepted Answer

cashyou is the discount app for everyone under the age of 30 and completely free of charge for young people and students with a UBS account. Benefit from a variety of exclusive discounts, competitions and unbeatable cashback deals.

Question 15

How does cashback work?

Accepted Answer

Earning money has never been so easy:

Store your UBS payment methods once in the cashyou app
Get money back automatically with every purchase from numerous brand partners such as Burger King, dieci Pizza, Fust, DQ Solutions or Metro
Check your accumulated cashback at any time in the cashyou app
Have your cashback transferred to your UBS account with one click if you have accumulated CHF 60 or more

Question 16

Conditions of participation for the promotion

Accepted Answer

This information was published by UBS Switzerland AG (“UBS,” “we”).

This offer is valid for young people aged 15–26 and students up to the age of 30 who open UBS key4 banking for the first time during the promotional period from 21 April (0:00 CET) to 30 June 2025 (24:00 CET) and download and activate cashyou on their smartphone free of charge during this period. The CHF 50 in KeyClub points is credited immediately to the points account. The welcome cashback will be credited to you in the cashyou app.