Here you will find answers to frequently asked questions about online payments with 3-D Secure and a UBS Card.
General information
General information
The 3-D Secure process is a service from Mastercard/Visa and UBS, which offers you additional protection against the unauthorized use of your credit card or prepaid card for online purchases at participating retailers.
As part of this service, you are asked to confirm card payments for online purchases conveniently and securely using the UBS Access app.
The new 3-D Secure is available to you if you fulfill the following requirements:
- You have a UBS Card.
- You have a smartphone or mobile phone.
To use 3-D Secure process, you need UBS Digital Banking. Choose from the following options:
UBS Digital Banking is a technical requirement to enable the payment system to send you a notification via Access App when you pay online with your card. Our Digital Banking is free of charge and without obligation.
If you wish, you can view information such as card limit, transactions, and statements at any time in Digital Banking. You can also set up notifications with the UBS Mobile Banking App for card transactions over CHF 40 – so you're informed anytime, anywhere.
You can add your credit or prepaid cards conveniently in UBS E-Banking (not possible in the Mobile Banking app).
- Log in to E-Banking.
- Navigate to “Accounts & Cards > Settings for cards > Credit cards > Manage cards > Add card”
- Follow the instructions.
Using 3-D Secure with the UBS Access app
You need the UBS Access app and a smartphone to be able to use the new 3-D Secure.
You can use the new 3-D Secure right after you have successfully activated the Access app. For online purchases made at participating online shops using your UBS Card, you are requested by a push notification on your smartphone to confirm your online purchase using the Access app.
Don’t have E-Banking or Digital Banking yet?
Visa and Mastercard require you to change to the dynamic procedure to guarantee the continued security of online purchases.
Many online shops rely on 3-D Secure to increase security for card payments. Previously, a 3-D Secure password was required as proof of identity for payments in these shops. A static password has two disadvantages: you have to make a note of it, and scammers can easily find it out through so-called phishing attacks. It is no longer necessary to enter a static password when you use the UBS Access app. This is not only easier for you but also increases the security of online payments with UBS Cards.
No. 3-D Secure with the UBS Access App is available for all UBS cards.
No. Cardholders can use 3-D Secure with UBS Cards without a fee.
However, costs may be incurred from your mobile phone provider due to the use of mobile data transfer.
Block your card right away.
For security reasons, you should first have your cell phone operator block the SIM card. If you use the UBS Access App, we also recommend you deactivate it via E-Banking or our customer service team:
- In Switzerland: 0848 848 064 (max. CHF 0.08/min.)
- From abroad: +41 848 848 064
Once you have a new smartphone, you can reinstall the UBS Access App quickly and easily.
Registering for 3-D Secure
Registering for 3-D Secure
You are automatically registered for 3-D Secure when you download and activate the UBS Access app.
If you don’t have a smart phone, you will need to enter a mobile phone number for security messages in your E-Banking. To do so, navigate to “Settings > Security > Security messages > Manage” and click on “Enter number” in “Mobile phone number for security messages”.
No. All credit cards and prepaid cards in your name that are visible in e-banking are automatically registered for the new 3-D Secure process when you have downloaded and activated the UBS Access app.
Online payments with a Visa Debit and Mastercard Debit are made using the dynamic 3-D Secure process.
The function for online purchases is deactivated as standard in Digital Banking. To activate 3-D Secure, online purchases must be activated.
To activate online purchases for a debit card, at least one Access App must be registered in Digital Banking, otherwise the online purchases function cannot be activated.
If your smartphone or mobile phone does not support the UBS Access App, you have the option of confirming your payments by SMS. However, bear in mind that confirming by SMS does not give you the same level of protection.
To enable this option, navigate to “Cards > Settings & services > Mobile phone number for security messages” in E-Banking.
Yes, if you have several devices, you can download and activate the UBS Access app for all of your devices and confirm your online purchases using one of the devices.
Download the UBS Access app onto your smartphone and follow the instructions in the app. As soon as the UBS Access app on your smartphone is activated, your registration for 3-D Secure is automatically updated.
We recommend that you save a mobile phone number for security messages if you already use the UBS Access app. This gives us another opportunity to help you use your credit card or prepaid card securely for online purchases.
No, only one mobile phone number can be saved.
You can easily adjust the mobile phone number used for the new 3-D Secure in E-Banking. To do so, navigate to “Settings > Security > Security messages > Manage”.
If you enter a mobile phone number for security messages, it applies to all UBS Cards in your name.
You will need to register for 3-D Secure by downloading the Access App.
Don't have Digital Banking yet?
3-D Secure always stays active to increase security for online purchases and to protect your card from misuse. It is not possible to deregister.
Our Customer Services would be glad to help you if you have other questions about registering for 3-D Secure identification process at 0848 848 062 (max. CHF 0.08/min.)(outside of Switzerland +41 848 848 062).
Payment approval
Payment approval
No, not all online retailers use the 3-D Secure process.
With the UBS Access app
You must activate the correct setting for the UBS Access app on your smartphone to be actively informed about incoming push messages. However, all push messages can also be viewed directly in the UBS Access app. To do so, open the UBS Access app and select the "Messages" menu item. You can find push messages for 3-D Secure identification in the list of messages.
Customer Services will be glad to help you if you do not find any push messages in the UBS Access app.
- Calls from Switzerland: 044 828 34 64
- Calls from outside Switzerland: +41 44 828 34 64
Customer Services will be glad to help you if you have questions about the online payment process and 3-D Secure for online purchases.
- Calls from Switzerland: 044 828 34 64
- Calls from outside Switzerland: +41 44 828 34 64
Use the "Reject" button in the Access app.
So long as you have not expressly confirmed 3-D Secure verification, an online payment will normally not be executed. Block your card immediately if a payment was fraudulently approved.
If you don’t have a mobile phone, please call our Support team at +41 848 848 064.
Frequently asked questions specific to corporate cardholders
We recommend you use the UBS Access App, provided company guidelines allow. This allows you to confirm online purchases conveniently via your smartphone.
Tip: When you activate the UBS Access App, enter and save your mobile phone number. This will ensure that you can confirm online purchases even if your Internet connection goes down.
If your smartphone or mobile phone does not support the UBS Access App, you can confirm online purchases using an SMS code.
You can manage your cards directly in UBS Digital Banking.
To log in to E-Banking and Mobile Banking we recommend you use our free-of-charge UBS Access App. And to monitor all your card transactions and settings on the go, simply download the UBS Mobile Banking App (smartphone required).
Don’t have Digital Banking? When you register your card for 3-D Secure, you’ll automatically get access, free of charge.
If your company rules do not allow the use of apps and you confirm online purchases using an SMS code, you can order an Access Card and a card reader from UBS with which to log into UBS Digital Banking.
Yes, your Corporate Credit Card can also be used with UBS Digital Banking.
In software terms, the UBS Access App is a security app that provides maximum protection by using encryption to communicate with UBS servers in Switzerland. For maximum security, the app uses its own keypad which is integrated into the app. This means that your data is always shielded from the rest of the phone.
You can enter notifications directly in E-Banking or Mobile Banking.
Yes, as soon as the cards are registered for 3-D Secure, you can manage them in the Mobile Banking App.
