Detailed information: Prices and services

UBS key4 banking: The digital banking package

Q: Can I also open the account via the app in the evenings or at the weekend?

Yes, with a biometric passport you can open the account at any time since you can have your identity verified independently by providing a selfie. With a passport or ID, we will be happy to verify your identity at the following times by video call : Monday to Friday: 8 a.m. to 10 p.m., Saturday: 9 a.m. to 5 p.m. Opening hours differ on public holidays.

Q: Which exchange rate do we use?

We use the Mastercard® exchange rate plus 0.5% for payments with UBS key4 prepaid and credit cards. There is no additional processing surcharge when using the card to make payments in Swiss francs abroad or in foreign online shops. You can easily calculate the precise exchange rate with the Mastercard currency converter .

* UBS KeyClub points worth CHF 50. 1 KeyClub point = CHF 1. Redeemable at any time in the KeyClub eStore.

Your benefits with UBS key4 banking

Do your banking conveniently in the app and enjoy the following benefits:

Attractive exchange rates worldwide

Travel around the world and pay with top exchange rates wherever you go.

No processing fees

Pay without a processing surcharge and at favorable conditions abroad and online.

Intelligent and innovative insights

Make better financial decisions with our personalized analyses, tips, and quizzes.

UBS key4 banking at a glance

Lightning-fast shopping with TWINT, Apple Pay, Google Pay and Samsung Pay.
Buy and sell gold easily via your smartphone – from as little as 0.1 grams.
Manage your investments and your retirement provision simply and clearly directly in the app.
A welcome gift of 50 KeyClub points worth CHF 50.

Factsheet UBS key4 bankingDownload

Choose the right package for you

Pure
For those who like to keep things simple
Personal and savings account
Prepaid and debit card
Limit: add up to CHF 10,000 per month
CHF 8 / month
First 6 months for free
Open an account now
Most popular
Pro
For everyday benefits and when traveling
Personal and savings account
Standard credit card and debit card
Limit: CHF 5,000 per month
Travel and aviation accident insurance
CHF 14 / month
First 6 months for free
Open an account now
Prime
For certain extras
Personal and savings account
Premium credit card and debit card
Limit: CHF 10,000 per month
Travel and aviation accident insurance
Collision Damage Waiver for rental cars
Priority pass for access to airport lounges
CHF 22 / month
First 6 months for free
Open an account now

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What’s included in the price?

UBS Personal account

The solid basis for your banking transactions. The UBS Personal account offers you everything you want from your bank from day to day.

UBS Savings account

The savings account is the ideal complement to your personal account. It lets you regularly set aside money, while remaining financially flexible.

UBS Debit card

The UBS Debit Card is the ideal complement to your UBS Credit Card or Prepaid Card. You can use this card to do online shopping, to make contactless payments in stores and to withdraw cash at ATMs.

UBS Prepaid card

The UBS Prepaid card allows you to make secure, cashless purchases worldwide. Load your UBS Prepaid Card quickly and free of charge via UBS E-Banking, the UBS Mobile Banking App, at a UBS Multimat or by using a QR-bill.

UBS Credit card

Our Credit cards you can shop conveniently and securely worldwide and withdraw local currency at almost all ATMs, as well as benefit from many other useful features.

Open your account – it's easy

Download the app

Choose your UBS key4 banking bundle - Pure, Pro, or Prime.

Verify your identity

Grab your ID card or passport, and we’ll verify your identity by video call or selfie.

Activate Access App

The Access App is how you log in to your new account.

Scan the QR code to download the app

Additional information

Prices and services

FAQ

What is UBS key4?

UBS key4 is the new digital product line from UBS. The associated products are integrated into the existing UBS Mobile Banking App.

The basic digital offering is called UBS key4 banking and includes a personal account, a sustainable savings account, a UBS key4 credit or prepaid card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the bonus program UBS KeyClub. UBS key4 banking is free of charge for young people (up to 26) and students (up to 30).

And that’s just for starters: our digital offering is growing and more products will be available soon. More info

How do I open an account?

Download the app, set it up in just a few minutes – and you’re done!

Download the app
Select the appropriate UBS key4 banking
Confirm your identity by video call or selfie (have your ID or passport to hand)
Sign the contracts in the app
Set up your login via the Access App
Add credit to your prepaid card and you’re good to go

Here’s how we verify your identity

Depending on the kind of identification document you have, the identity verification will be carried out either during our opening hours by video call or at any time by providing a selfie.

With a biometric passport – by providing a selfie

Scan your passport.
Your personal details will be read automatically.
Take a selfie and we will compare this with your identification document.

With an ID or passport – by video call

Start the video call from within the app.
Make sure you have your passport or ID* to hand.
We will verify your identity during the call.

*In addition to a passport or ID, foreign nationals need a residence permit B, C, Ci or L

Can I also open the account via the app in the evenings or at the weekend?

What do I need to open an account?

Minimum age: 12
Resident in Switzerland
Passport or ID card* from one of the following countries
For students: Valid student ID
For foreigners: residence permit B, C, Ci or L
Smartphone with camera and iOS version 13 or higher or Android version 10 or higher
Smartphone with the usage restrictions as provided by the manufacturer (no rooting or jailbreak, find out more here)
A stable internet connection

*All documents must be final. This means, for example, that we do not accept any outstanding applications for a foreigner's identity card.

Which exchange rate do we use?

For young people under 26 and students under 30 years
Open UBS key4 banking and win

Get UBS key4 banking with free accounts and cards by 31 May 2024, receive CHF 50 in the form of KeyClub points as welcome gift and, with a bit of luck, win a 4-day-pass for the OpenAir St. Gallen.

Here’s how

Recommend UBS
Recommend UBS and receive KeyClub points

You receive your KeyClub points after they sign up for the product. The prospective new client may also receive a reward, depending on the product.

How to benefit

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UBS key4 banking

Attractive exchange rates worldwide

No processing fees

Intelligent and innovative insights

Choose the right package for you

Pure

CHF 8 / month

Pro

CHF 14 / month

Prime

CHF 22 / month

Personal account

Savings account

Debit card

Prepaid or credit card

Personal account

UBS Personal account

Savings account

UBS Savings account

Debit card

UBS Debit card

Prepaid or credit card

UBS Prepaid card

UBS Credit card

Download the app

Verify your identity

Activate Access App

For young people under 26 and students under 30 years Open UBS key4 banking and win

Recommend UBS Recommend UBS and receive KeyClub points

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For young people under 26 and students under 30 years
Open UBS key4 banking and win

Recommend UBS
Recommend UBS and receive KeyClub points