KeyClub promotion: accounts & cards

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

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.

Q: When do I receive my KeyClub points and how are they calculated?

You will receive your KeyClub points quarterly at the end of the following month . For example, you will receive the points for the fourth quarter (October to December) at the end of January. Points are calculated on the basis of the total spending on your quarterly credit card statements (e.g. January to March) based on the billing date of the statement – minus cash withdrawals, digital currency purchases, credit card fees, lottery/betting/casino transactions and transfers. Points are only credited if the minimum amount of 10 collected points has been reached. If you have collected fewer than 10 KeyClub points, these will be carried over to the next period. KeyClub points for newly opened banking packages If you have recently opened a banking package as part of a points promotion, you will receive the KeyClub points within six weeks.

Q: How do I access the KeyClub eStore and how does it work?

Access via e-Banking You can access the KeyClub eStore directly from e-banking. Click the “Accounts and cards” menu and select “KeyClub”. Access via a direct link You can also access the eStore via a direct link. Click the link below and log into the eStore using your e-banking login details. Once you have logged in, click “Redeem points” and select the partner with whom you would like to redeem points. Place the product you would like in your basket and pay for it using ePoints – and with credit card where necessary.

Banking made for you

All you need to get started
Set up your account including a savings account and cards, then manage it all easily in the UBS Mobile Banking App.
Each purchase earns you a small reward
Every time you pay with your card, you collect KeyClub points in our bonus program – redeemable at countless partners.
Add extras as needed
Once you start using the Mobile Banking App, you can add extra products anytime – just when you need them.

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CHF 250 voucher for your favourite brands

Set up your accounts and cards today for a shot at a CHF 250 voucher* – redeemable anytime with all UBS KeyClub eStore partners.

You’re automatically entered in the prize drawing – good luck!

This offer is valid until 10 May 2026.

Discover offers in the eStore

* Terms and conditions of participation in the promotion

The best benefits
Prime
Perfect for frequent travelers
Personal and savings account
Premium credit card and debit card
4 KeyClub points for every CHF 1,000 spent
Travel and aviation accident insurance
Priority pass for access to airport lounges
Insurance coverage for rental cars
6 months free of charge
CHF 22 / month
Pro
More benefits day-to-day and when traveling
Personal and savings account
Standard credit card and debit card
2 KeyClub points for every CHF 1,000 spent
Travel and aviation accident insurance
6 months free of charge
CHF 14 / month
Pure
Everything you need day-to-day
Personal and savings account
Prepaid card and debit card
KeyClub bonus program
Free of charge
CHF 0 / month

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* 1 KeyClub point = CHF 1. Redeemable at any time in the KeyClub eStore.

How can I open an account?

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.

How we verify your identity

Depending on the type of ID, you can either confirm your identity yourself at any time or have it verified in a video call (Monday – Friday: 8:00 a.m. – 10:00 p.m., Saturday: 9:00 a.m. – 5:00 p.m.).

With biometric passport or biometric ID and a selfie

Scan your ID document.
Your personal information will be read automatically.
Take a selfie and we will match it with your ID document.

With ID or passport via video call

Start the video call in the app.
Have your passport or ID* ready.
We will identify you during the call.

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

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

What do you need to open an account?

Minimum age: 12 years
Residence in Switzerland
Passport or identity card* from one of these countries
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, find out more hereabout 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

What is UBS KeyClub?

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).

Collect KeyClub points every time you pay with your credit card (within UBS key4 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

When do I receive my KeyClub points and how are they calculated?

You will receive your KeyClub points quarterly at the end of the following month. For example, you will receive the points for the fourth quarter (October to December) at the end of January.

Points are calculated on the basis of the total spending on your quarterly credit card statements (e.g. January to March) based on the billing date of the statement – minus cash withdrawals, digital currency purchases, credit card fees, lottery/betting/casino transactions and transfers.

Points are only credited if the minimum amount of 10 collected points has been reached. If you have collected fewer than 10 KeyClub points, these will be carried over to the next period.

KeyClub points for newly opened banking packages

If you have recently opened a banking package as part of a points promotion, you will receive the KeyClub points within six weeks.

How do I access the KeyClub eStore and how does it work?

Access via e-Banking

You can access the KeyClub eStore directly from e-banking. Click the “Accounts and cards” menu and select “KeyClub”.

To e-banking

Access via a direct link

You can also access the eStore via a direct link. Click the link below and log into the eStore using your e-banking login details.

To the KeyClub eStore

Once you have logged in, click “Redeem points” and select the partner with whom you would like to redeem points. Place the product you would like in your basket and pay for it using ePoints – and with credit card where necessary.