Question 1

Who can open a children’s account for children under 12?

Accepted Answer

Only parents and/or legal guardians with custody rights are allowed to sign contracts on behalf of the child. Therefore only the aforementioned people may open an account. Only one parent or legal guardian needs to be present when opening the account.

In addition, the parents and/or the legal guardian must be UBS clients and have access to UBS Digital Banking.

If you are not yet a UBS client, you can easily and conveniently open your account via the app or make an appointment at a branch.

Question 2

What is the debit card limit for children?

Accepted Answer

The daily and monthly limits are CHF 20 and CHF 100 respectively. Parents or legal guardians can adjust these limits in UBS Digital Banking.

Question 3

Can my child transfer money in Digital Banking?

Accepted Answer

No. Making any type of payment (including account transfers) is only possible in the parent or legal guardian’s UBS Digital Banking.

Question 4

Mobile Banking: How can my child register?

Accepted Answer

Provide your child’s mobile number when opening the account.
Download the UBS Access App and the UBS Mobile Banking App to your child’s smartphone.
Open the UBS Access App and follow the registration instructions.
An SMS with a confirmation code will be sent to the child’s mobile phone number.
Enter this code in your child’s UBS Access App to complete the registration.

Regardless of whether your child registers with their own mobile phone number or not, online purchases must always be approved in the parent or legal guardian’s Access App.

b. Mobile Banking: How does my child register with their own smartphone if they don’t have their own mobile number?

Enter your mobile phone number when opening the account.
Have your child download the UBS Access App and the UBS Mobile Banking App.
You’ll receive an SMS containing a confirmation code to register for the Access App.
Enter this code in your child’s UBS Access App to complete the registration.

Regardless of whether your child registers with their own mobile phone number or not, online purchases must always be approved in the parent or legal guardian’s Access App.

c. Mobile Banking: How can my child register without their own smartphone and mobile number?

Enter your mobile phone number when opening the account.
Log out of your Digital Banking contract on your smartphone.
Enter your child’s contract number in the UBS Access App on your smartphone (Access App > Settings > Add contract number).
Your child can log in to the UBS Mobile Banking App on your smartphone with their contract number.

Regardless of whether the child registers with their own mobile number or not, online purchases must always be approved via the parent or legal guardian’s Access App.

Question 5

Can the account be linked with TWINT?

Accepted Answer

TWINT is not currently supported for children under 12 years old.

Question 6

What steps should I take when my child turns 12?

Accepted Answer

After their 12th birthday, your child must come to one of our branches so we can confirm their identity. They will then have sole access to the accounts. If desired, your child can grant you power of attorney so you can continue to have insight into their account transactions.

Question 7

Services and prices

Accepted Answer

You can find detailed information on services and prices here:

Services and prices

Question 8

How can I open a kids account?

Accepted Answer

This offer can currently only be opened at a UBS branch. The child does not need to be present when it is opened.

Question 9

Who can open a kids bank account for children under 12 years old?

Accepted Answer

Only the child’s parents and/or legal guardian may sign contracts in their name. Accordingly, only these people may open an account. Only one parent or legal guardian needs to be present when opening the account.

In addition, the parents and/or legal guardian must already be UBS clients and have access to UBS Digital Banking. If you are not yet a UBS client, you can open UBS key4 banking online via app or a UBS me banking package directly in a branch.

Question 10

At what age can the child manage the account independently?

Accepted Answer

At the age of 12, the parents’ right of disposal ceases to apply by default, which the parents or the legal guardian are informed about in advance by letter. In order for the child to continue to have access to the account, they must go to a UBS branch to identify themselves and sign the new contractual documents.

Question 11

What is the debit card limit for kids?

Accepted Answer

The daily limit is CHF 20 and the monthly limit CHF 100. Parents can adjust the daily and monthly limits in their UBS Digital Banking.

Question 12

Can children transfer money in Digital Banking?

Accepted Answer

No. Making any type of payment (including account transfers) is only possible via the parent or legal guardian’s UBS Digital Banking.

Question 13

Mobile Banking: How can a child register?

Accepted Answer

a. Mobile Banking: How can a child register with their own phone and mobile number?

Enter the child’s phone number when opening the account.
Download the UBS Access App and the UBS Mobile Banking App onto the child’s smartphone.
Open the UBS Access App and follow the registration instructions.
A confirmation code will be sent to the child’s mobile phone number by SMS.
Enter the confirmation code in the UBS Access App to complete the registration.

Regardless of whether the child registers with their own phone number or not, online purchases must always be approved via the parent or legal guardian’s Access App.

b. Mobile Banking: How can a child register with their own phone but without their own mobile number?

Enter your phone number when opening the account.
Help your child download the UBS Access App and UBS Mobile Banking App.
You’ll receive a code to register for the Access App via SMS.
Your child can enter the code in the Access App and continue with the registration.

Regardless of whether the child registers with their own phone number or not, online purchases must always be approved via the parent or legal guardian’s Access App.

c. Mobile Banking: How can a child register without their own phone and mobile number?

Enter your phone number when opening the account.
Log out of your Digital Banking contract on your mobile phone.
Enter your child’s contract number in the UBS Access App on your phone (Access App > Settings > Add contract number).
Your child can log in to the UBS Mobile Banking App on your mobile phone with their contract number.

Regardless of whether the child registers with their own phone number or not, online purchases must always be approved via the parent or legal guardian’s Access App.

Question 14

Can the account be linked to TWINT?

Accepted Answer

TWINT is currently not supported for children under 12 years of age.

Question 15

Is your child already 12 or turning 12 soon?

Accepted Answer

Open a UBS key4 bank account from CHF 0 per month

For young people aged 12 and over, our free account for young people is the perfect starter package for the world of finance. The account can be conveniently opened from home in the UBS Mobile Banking App.

Question 16

If you are not yet a UBS client

Accepted Answer

Open UBS key4 banking now from CHF 0 per month

You must be a UBS client to manage your child’s account.

Open an account digitally today or make an appointment at a branch.

Banking offer for children aged 6 to 11

Flexible and free of charge

Safety first

First steps into the financial world

UBS Personal Account for Children and Young People

UBS Savings Account for Young People

UBS Debit Card for Children

UBS Personal Account for Children and Young People

UBS Savings Account for Young People

UBS Debit Card for Children

The ABCs of financial literacy

As a gift savings account: UBS Savings Account for Young People

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