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Cards
Cashless payments have become an integral part of our everyday lives. But not all bank cards are the same. Which card suits you best?
Paying by card is becoming increasingly popular. According to a survey conducted in 2024, only 38% of Swiss people still regularly pay with cash, which is even lower than the European average. UBS is also feeling the shift towards card payments: in 2025, more than 1.3 million people across Switzerland have a UBS Credit or Prepaid Card.
The card that is right for you depends on your individual requirements and everyday use. Each card has different advantages and strengths that simplify your financial transactions. You can choose from the following cards at UBS:
When you pay by credit card, your account will not be debited immediately, but only at the end of the billing period. This lasts 30 days. The bank then claims the amount due. This type of automatic payment is triggered by the direct debit procedure, LSV.
If customers have not set up a direct debit, they receive their bill at the end of each month and pay it themselves – in full or in part, depending on the options available.
As well as offering payment flexibility, credit cards have various extra services and special features for added convenience. The cards themselves are available in several versions, each of which includes different additional services.
UBS offers you
With a prepaid card, you have full control over your everyday spending. That’s because with a prepaid card, you can only spend the credit that you have previously loaded onto the card. You can top up your UBS Prepaid Card at any time, and your credit will be available to use within seconds.
With this type of card, UBS offers you not only spending control but also other advantages that make your card easier to use:
UBS key4 credit cards are a special form of credit card designed specifically for purchases abroad or in foreign online shops. UBS applies the Mastercard® exchange rate plus 0.5%. There is no additional processing surcharge for use abroad or in foreign online shops in Swiss francs.
At UBS you have the choice between
In addition to your physical credit card, you can also activate a virtual credit card free of charge in UBS Digital Banking. This also makes it easier to enter your card details when completing the payment process in online shops because you can simply use the copy function to insert your card number. Virtual credit cards should not be confused with mobile payments, even if both involve paying via smartphone or smartwatch. This is because for mobile payments, you need an additional app such as TWINT, Google Pay or Apple Pay.
No matter which card you end up choosing, it’s always important to be able to pay securely and easily. All UBS cards guarantee this thanks to state-of-the-art technology and the highest security standards. All payment transactions are encrypted using the latest chip technology, and 3-D Secure – which provides additional protection against unauthorized transactions – is used for many online purchases. In addition, UBS cards offer a wide range of advantages that vary depending on the card model.
In Switzerland, over 1.3 million people carry a UBS Credit or Prepaid Card in their wallet – find out which card is right for you.
You can pay easily and conveniently with all bank cards. All cards rely on the highest security standards, such as NFC technology and additional data encryption.
All modern cards now offer the contactless payment function, which transfers money from the card to the payment terminal. This is what happens when you hold the physical card up to the terminal to pay. This type of payment is also protected by multiple security standards.
To make mobile payments, you use services on your smartphone, tablet or smartwatch. To be able to use mobile payment, you need a digital wallet app that your card is stored in. Examples of these apps include UBS TWINT, Apple Pay, Google Pay and Samsung Pay.
With their wide range of payment options, UBS cards offer particular freedom and flexibility.
Options | Options | Credit cards | Credit cards | Prepaid cards | Prepaid cards | UBS key4 credit cards | UBS key4 credit cards |
|---|---|---|---|---|---|---|---|
Options | UBS Digital Banking | Credit cards |  | Prepaid cards |
| UBS key4 credit cards |
|
Options | Contactless payment | Credit cards |
| Prepaid cards |
| UBS key4 credit cards |
|
Options | Mobile payment | Credit cards |
| Prepaid cards |
| UBS key4 credit cards |
|
Options | UBS KeyClub | Credit cards |
| Prepaid cards |
| UBS key4 credit cards |
|
With UBS KeyClub, you collect points for every payment you make with your credit or prepaid card. These points can then be converted into digital gift cards from well-known retailers in the KeyClub eStore. You can choose from a wide selection of partner offers on electronics, travel, events, food and much more. The fees for the UBS Banking Package can also be paid with KeyClub points.
The number of points you receive for your payments varies from card to card. For example, if you have a Classic Credit Card, you will receive two KeyClub points for every CHF 1,000 you spend. If you have a Platinum Credit Card, you will receive six KeyClub points for the same spending amount.
Separate, equally attractive collection rules apply to young people and students. You can use the KeyClub points calculator to see how many KeyClub points – including the equivalent value in Swiss francs – you are entitled to.
Credit cards, prepaid cards or UBS key4 credit cards, which are specially designed for purchases abroad or in foreign online shops: the bank card that suits you best depends on your wishes and requirements. Regardless of the card you ultimately decide on – all UBS cards meet the highest security standards and can be used in a variety of ways in everyday life. You can pay in most stores and even shop online. All our cards can also be easily managed via the UBS Mobile Banking App or in UBS E-Banking. Our quiz will help you to make your choice, and of course our client advisors are also on hand to assist you.
Arrange an appointment for a non-binding consultation or if you have any questions, just give us a call.
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