Digital experience

Manage your money your way

Be ready for anything, anywhere

UBS makes it easy for you to stay on top of your entire financial life---and more connected with your Advisor. Whether you want to deposit funds, transfer money, check your progress or see your full financial picture, you’ll have seamless and secure access.

Get started

Step 1. Register for online access 

  1. Visit ubs.com/onlineservices and select, “Register for online access”
  2. Complete registration, including PIN verification
  3. Go green. Enroll in e-Delivery to get all statements and tax documents electronically

Step 2. Download the UBS App

  1. Download the app for iPhone,® iPad® or Android™
  2. Follow the instructions to enroll in UBS Online Services (Apple® users can enroll in the app)
  3. Log in using your UBS Online Services credentials

Need more help? Check out

Making your life easier

Make your mark with a digital signature 

Complete forms that require signatures digitally, quickly and securely, thanks to our partnership with DocuSign, the industry leader in e-signature.

Cut the paper waste with document e-Delivery 

Sign up to have statements confirmations and other important notices sent digitally

Gain confidence with strong Account security

We protect your account through layered security that includes virus protection, secure socket layer (SSL) certification and suspicious activity detection. You can also restrict access to the app by requiring your fingerprint or facial recognition.

Stay in the know with push notifications

Provides an easy login process while using technology that keeps your online account secure.

Make transfers within and across accounts

Use Electronic Funds Transfer (EFT) to transfer funds and investments to and from your accounts at external financial institutions, and between your UBS accounts.1.

Make deposits in a snap

Deposit a check or fund an investment in a snap via the UBS Financial Services App. Make deposits via EFT into your UBS brokerage account or into UBS Core Savings, offered by UBS Bank USA. Funds deposited into the UBS Core Savings, CDs and UBS cash sweep programs are FDIC insured, up to applicable limits

Cash management and digital banking

All your assets working together to make every vision a reality

Wealth is more than your investments. It’s the sum of the goals for your life, family and future. By adding cash management, deposits and lending into the picture, you get all pistons firing in service to your goals—and a better understanding of how all your money works together. It’s your wealth, your way.

Review accounts

Review accounts

Stay connected to your finances and manage your money, wherever you are with UBS Online Services and the UBS Financial Services app. Log in securely to view recent cash and credit activity, upcoming payments and transfers, and statements. Manage your accounts, including your credit card, credit line and mortgage.

Make deposits

Make deposits

  • Make deposits into your brokerage account via our Mobile Check Deposit service on the UBS Financial Services app or with our Electronic Funds Transfer (EFT) service.
  • Initiate incoming Federal Funds Transfers (wires) into your account.
  • Set up direct deposit for your paychecks and other recurring payments.
  • Make deposits into UBS Core Savings offered by UBS Bank USA. Take advantage of competitive rates with FDIC insurance (up to applicable limits) with UBS Core Savings.

Move money

Move money

  • Enroll in the Electronic Funds Transfer service and link your UBS accounts with accounts you have at other financial institutions to transfer funds between accounts.  Learn how to link your accounts (PDF)(PDF, 1 MB) and begin linking your accounts today.
  • Set up one-time or recurring payments for credit cards, loans and other bills.
  • Enroll in the Bill Pay service to manage payments with ease and convenience. 
  • Pay the easy way and connect your UBS Account or UBS Cards to mobile wallet apps like Paypal, Venmo, Apple Pay® or Google Pay.2 
  • Make transfers from your UBS brokerage account using wire transfer and checking services.  

See why cash matters

See why cash matters

Your cash can work even synced with your larger goals and that matches cash flows to expenses. In fact, there are different types of cash depending on your goals.

  • Everyday cash is used for day-to-day purchases or expenses, including paying bills.
  • Savings cash is cash used to help meet near-term needs or for unexpected expenses.
  • Investment cash includes cash and cash alternatives such as term deposits, purchased Money Market Funds and short-term Treasuries.
 

See the bigger picture

By using complimentary tools that give you a comprehensive view of your finances and analytics to help you invest, you can move forward with confidence and turn your possibilities into a plan.

See all your accounts in one place with My Total Picture

View and track balances in your various accounts—both inside and outside UBS—in one place to help you get a clearer picture of your overall wealth.

Review your Financial Goal Analysis (FGA)

If you worked with your UBS Financial Advisor to create an FGA, you can see it online so you can continually track your progress, explore your goals and more.

Visit ubs.com/onlineservices to leverage these features. If you don’t yet have access to your FGA on OLS, reach out to your Financial Advisor. 

Make more informed decisions with UBS Advice Advantage

Leverage complimentary analytics on your portfolio to help you pursue your financial future in new ways. Or consider the UBS Advice Portfolio Program for a diversified portfolio that we can actively manage for you for a low fee.

Frequently asked questions

Get in touch

Together, we can help you pursue what’s important

Are you a client?

Become a UBS client

UBS Advice Advantage is a digital service that features UBS analytics and advice, including portfolio diagnostics on your investments at UBS and held away, as well as the ability to create goals. This broker-dealer service is available to you free of charge. It also provides access to the UBS Advice Portfolio Program, a new, "digital" discretionary investment advisory program in which UBS manages your assets for an asset-based fee. You do not have to enroll in the Program in order to use the free service.
The UBS Advice Advantage digital service is powered by technology from SigFig Wealth Management.

The My Total Picture service enables UBS to retrieve information about your non-UBS accounts (“Outside Accounts”) at your direction from the other financial institutions' websites. The service is provided for your convenience and information only. Unless we agree in writing otherwise, UBS does not provide advice or recommendations with respect to your Outside Accounts and is not responsible for activity or transactions you conduct in your Outside Accounts. UBS does not verify the holdings, valuations or other information we receive about your Outside Accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc.

The FGA report is based on various assumptions including financial information, personal preferences and other information provided by the client. The report details the assumptions upon which the plan is based. Important: The projections and other information generated by FGA regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results.

Use of the UBS Wealth Management USA app and UBS Financial Services app are subject to terms and conditions. Other restrictions may also apply. Certain products, functionalities and services described herein or contained or otherwise made available via these apps may not be available to all clients or in all jurisdictions.

These apps are available via iPhone and iPad only and are provided free of charge to clients of UBS. The information you include in these app are for your personal use only. UBS will use your responses to personalize your digital experience, but will not update client records unless you confirm the information with your Financial Advisor.

UBS account statements are the only official record of your UBS accounts. Information about external accounts you set up in My Total Picture is provided for your convenience and information only. UBS does not verify or reconcile the holdings, valuations or other information we receive about your external accounts or provide valuations of the assets or liabilities held in your external accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc. Unless we agree in writing otherwise,

UBS does not provide advice or recommendations with respect to your external accounts and is not responsible for activity or transactions you conduct in your external accounts.

UBS Financial Services Inc. is not a bank, and its securities accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks.

iPad, iPhone and and Apple Pay are registered trademarks of Apple Inc.

Android and Google Pay are trademarks of Google LLC.

1Only individual, Roth IRA, rollover IRA and traditional IRAs are eligible.

2The products and services described are provided by the firms mentioned herein and not by UBS Financial Services Inc. or its affiliates (”UBS”). UBS makes no representations or warranties with respect to any product or service offered by the firms mentioned, and UBS will have no input concerning such products and services. UBS and the firms mentioned are independent of each other and do not have an agency, partnership or employment relationship, and UBS may not act for or bind the firms mentioned in any manner. All applications or requests for products or services must be made directly with the firms mentioned and are subject to their internal review and approval process.

About UBS Bank USA Products

UBS Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. Applicable fees may reduce your earnings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. These fees will be posted to your UBS account the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS to meet a margin call.

Please review carefully the UBS Bank USA Core Savings disclosure statement available at ubs.com/coresavingsdisclosure. Deposits in UBS Bank USA Core Savings, together with all other deposits at UBS Bank USA, are insured by the FDIC up to $250,000 (including principal and accrued interest) for each insurable ownership capacity (e.g., single, joint) in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances at UBS Bank USA in the same ownership capacity, including any Certificates of Deposit, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of your deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage.

UBS Financial Services Inc., as your agent and custodian, will open a deposit account on your behalf with UBS Bank USA, Member FDIC. UBS Bank USA Core Savings is available only to individuals, nonprofit entities and U.S. governmental entities and is not available for all advisory accounts, certain business accounts and certain international accounts. UBS Bank USA Core Savings is available for purchase through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA, and standard account fees apply.

Excluding promotional offers, UBS Bank USA Core Savings has a multi-tier rate structure. At the end of a promotional term, variable tiered rates on the deposits in UBS Bank USA Core Savings will apply. Interest accrues daily and pays monthly. View rates at ubs.com/coresavings. Rates and rate tiers may change at any time without prior notice

UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA. Member SIPC.

Conflicts of interest

UBS Bank USA uses the cash balances in deposit accounts to fund new lending and investment activity. The bank profits by the difference between the interest paid to clients and the costs associated with deposits, and the interest and other income earned by the bank on its loans, investments and other assets. The bank improves profits when it pays lower interest rates on deposits. You should be aware that alternative cash equivalent investments that are managed by UBS affiliates or by third parties, or that are otherwise available on the UBS platform (such as US Treasury securities), are also available for investment by clients. At times, these alternatives pay a higher yield than the interest rates paid on UBS Core Savings. Such alternative investments may not be insured by the FDIC or protected by SIPC.

About UBS Financial Services Inc. products

The Resource Management Account (RMA) and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). UBS Core Savings is a deposit account, not an security, and is not protected by SIPC. An explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provides access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. and/or its Financial Advisors may receive compensation in connection with deposit products.

Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value

Important information about brokerage and advisory services.
As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer. Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that you understand the ways in which we conduct business and that you carefully read the agreements and disclosures that we provide about the products or services we offer. For more information, please review client relationship summary provided at ubs.com/relationshipsummary(PDF, 127 KB).

2024 UBS. All rights reserved. The key symbol and UBS are among the registered and unregistered trademarks of UBS. UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA/SIPC.

Expiration: 12/31/2023 Approval date: 12/16/2022 Review Code: IS2207204