Q: I am not a Swiss citizen. Which documents do I need?

Valid passport or valid ID One of the following: Residence permit (B, C, Ci or L), or Confirmation of registration from the municipality

Question 1

What is included?

Accepted Answer

UBS Banking is our offer for your daily finances – simple, flexible and all in one place.

It includes:

A personal and savings account
Debit card with free cash withdrawals at UBS
Classic, Gold or Platinum credit card
Additional benefits depending on your banking offer, such as additional free cash withdrawals, travel insurance, KeyClub points, hotel discounts and access to airport lounges. A welcome gift of CHF 50 in KeyClub points with Classic, Gold and Platinum, plus 6 months of banking free of charge
Digital Banking to make payments, transfer money and organize your finances

Question 2

What do you need to open an account online in the UBS mobile app?

Accepted Answer

Download the app, set it up in minutes – done

Download the “UBS & UBS key4” app.
Select “Open account”.
Confirm your identity by video call or selfie (have your ID or passport on hand).
Sign the contracts in the app.
Set up login with the Access App.
Log in and carry out initial banking transactions.

Question 3

Can I also open an account in the evenings and on weekends in the app?

Accepted Answer

Yes, this is possible around the clock with a biometric passport or biometric ID, since you can identify yourself with a selfie.
With a nonbiometric passport or nonbiometric ID, we will be happy to verify your identity at the following times in a video call: Monday to Friday: 8:00 a.m. to 8:00 p.m. Opening hours vary on public holidays.

Question 4

What do you need to open an account?

Accepted Answer

Minimum age: 12 years
Residence in Switzerland
A valid passport or identity card.
For students:
- Valid student ID, or
- Written confirmation of studies or confirmation of enrollment
For foreign nationals (without a Swiss identity document, not a Swiss national)
- Residence permit (B, C, Ci or L), or
- Confirmation of registration from the municipality
Smartphone with camera and iOS, minimum version 15, or Android, minimum version 10
Smartphone with the usage restrictions as provided by the manufacturer (no rooting or jailbreak, learn more here about rooting or jailbreak)
Stable internet connection

^*All identification documents must be final. This means, for example, we do not accept any pending permit applications for foreigners.

Question 5

Can I open a single private account instead of a banking package?

Accepted Answer

Yes, it is possible to open a single private account instead of a banking package. You can find the relevant details and conditions in the corresponding factsheet. Existing customers can conveniently open the private account online. New customers are asked to visit one of our branches to open an account.

Question 6

Do I need to be resident in Switzerland to open an account?

Accepted Answer

Yes, you must be a resident of Switzerland and subject to taxation in Switzerland in order to open the account. In certain cases, we require proof of residence.

In order to open an account online in the UBS mobile app, you must be a resident of Switzerland and subject to taxation in Switzerland. In certain cases, we require proof of residence. If you are domiciled outside of Switzerland, please find further information on UBS Banking for cross-border commuters under following link

Question 7

I am not a Swiss citizen. Which documents do I need?

Accepted Answer

Valid passport or valid ID
One of the following:
- Residence permit (B, C, Ci or L), or
- Confirmation of registration from the municipality

Question 8

What’s the difference between a debit card and a credit card?

Accepted Answer

A debit card is directly linked to your personal account. This means the account balance changes immediately each time you use the card. More information about the UBS Debit Card

A credit card has a fixed monthly limit and is not linked to your personal account. Instead, all expenses for a billing period are consolidated, and you receive an invoice. More information about UBS Credit Cards

A prepaid card is not linked to your personal account. You need to add money to your card before you can use it. Other people, such as your parents, can also top up the card. More information about the UBS Prepaid Card

Question 9

What is KeyClub?

Accepted Answer

UBS KeyClub is our bonus program where you collect points that you can redeem for products and digital gift cards in the KeyClub eStore (1 point = CHF 1).

You Collect KeyClub points every time you pay with your credit card (within UBS Banking, young adults between 18 and 26 as well as students up to 30 also collect KeyClub points with the prepaid card).

Partners include Zalando, Manor, Migros, Coop, Ikea, Galaxus and many more. More about KeyClub

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Open an account and win a CHF 500 travel voucher

Win a CHF 500 travel voucher

Under 26 or studying?

For adults aged 26 and over

Platinum

Platinum Credit Card included

Free of charge for 6 months
CHF 43 per month^*

Gold

Gold Credit Card included

Free of charge for 6 months
CHF 18 per month^*

Classic

Classic Credit Card included

Free of charge for 6 months
CHF 8 per month^*

Easy

CHF 0 per month

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Frequently asked questions about the banking offer