Financial Services Act (FinSA)

We are not satisfied until you are. If we fail to meet your expectations at any time, please contact your client advisor. Together we will find a way to resolve the issue.

You will find detailed information on our complaints process via the following link:

If we are unable to find an amicable solution, you can contact the Swiss Banking Ombudsman. This is the Ombudsman service responsible for UBS Switzerland AG and is a free and neutral information and mediation agency.

As a general rule, the Ombudsman only gets actively involved after the bank receives and has had an opportunity to respond to a written client complaint.

Swiss Banking Ombudsman
Bahnhofplatz 9
P.O. Box
8021 Zürich

FinSA divides clients of financial service providers into retail clients, professional clients and institutional clients. This classification ensures additional regulatory protection and is based on a person’s individual financial circumstances or level of knowledge, experience and financial expertise, or the size of the company defined by law or professional treasury. Small and medium-sized companies are generally classified as retail clients, large companies, pension funds and financial intermediaries as professional clients. Unless we inform you otherwise, you will be classified as a retail client, giving you the most comprehensive level of client protection.

Provided you meet the necessary requirements, you can request a change in your classification. To do so, please contact your client advisor.

More information on the various client classifications can be found here:

Transactions with financial instruments are associated with opportunities and risks. It is therefore important that you are familiar with and understand these risks before using a financial service.

The brochure “Risks Involved in Trading Financial Instruments” contains general information on typical financial services and on the characteristics and risks of financial instruments. Familiarize yourself with this information before signing a contract and contact your client advisor if you have any questions.

The risk brochure can be found here:

You can obtain a physical copy of the brochure from your client advisor or from any branch.

Following the introduction of FinSA, a Key Information Document must be made available when giving private clients personal recommendations for financial instruments.

The Key Information Document contains information about the characteristics of the product as well as its risks and costs, and makes it possible to compare different financial instruments.

You will find the individual Key Information Documents and comparable information sheets – if provided by the issuer – on our website: