PIN function Secure payment with credit cards and prepaid cards

With the latest generation of UBS Credit Cards and Prepaid Cards, you no longer have to sign any receipts; instead you enter your PIN code in the payment terminal. The PIN function makes card payments even more secure, and quicker, too.

The PIN function at a glance

  • The best possible protection with your own secret number
  • Pay more quickly than with a signature
  • Same procedure as for your debit card (Maestro Card and V PAY Card)

The PIN function in detail

All UBS Credit Cards and Prepaid Cards come equipped with the latest chip and PIN technology, so your cashless payments are even more secure.

When paying with the card in a store, you generally enter the PIN code instead of signing. You also need the PIN code to make withdrawals at an ATM.

Paying with the PIN function is both more secure and quicker than with a signature. The procedure is as easy and convenient as with your Maestro Card or V PAY Card. 

More and more merchants – both in Switzerland and abroad – are using the latest payment terminal technology. When making payments at these points of sale using your UBS Credit Card, you will be asked to enter your PIN code. No signature is required. 

If you're asked for your PIN code at the point of sale, you have to enter it. If you don't, the payment can't be processed. It may be that you'll be required to confirm your payment by signing (in countries where the use of PIN codes isn't widespread or at payment terminals of an older type). If that happens, all you need to do is to sign the receipt as well. 


Good to know

You can be sure that you're using your PIN code securely if you follow the rules below:

  • Change your code at an ATM in Switzerland
  • Make a note of your PIN code, but never keep it with the card
  • Don't use any combinations of digits that are easy to work out, like dates of birth, telephone numbers or car registration numbers
  • Make sure you're not being watched as you enter your PIN code and never give it to anyone else (not even to the police, public officials or UBS staff)
  • If your UBS Credit Card or Prepaid Card is lost or stolen, inform our 24hr client service on 044-828 31 35 immediately

Order a new PIN code 

Forgotten your PIN code? Order a new one here.