Open a bank account – quickly and easily via app

UBS key4 is UBS’s digital product line. The associated products are integrated into the UBS Mobile Banking App..

The basic digital offer is called UBS key4 banking and includes a personal account, a savings account, a prepaid card or UBS key4 credit card with attractive exchange rates, a debit card, mobile payment solutions (Apple Pay, Google Pay, Samsung Pay and others), UBS TWINT and the UBS KeyClub bonus program. UBS key4 banking is available from CHF 0.

And that’s just the beginning: our digital offering is growing and more products will be available soon. Learn more

1. Download the “UBS & UBS key4” app.
2. Select “Open account”.
3. Confirm your identity by video call or selfie (have your ID or passport on hand).
4. Sign the contracts in the app.
5. Set up login with the Access App.
6. Log in and carry out initial banking transactions. 

How we verify your identity

Depending on the type of ID, you can either confirm your identity yourself at any time or have it verified in a video call (Monday – Friday: 8:00 a.m. – 10:00 p.m., Saturday: 9:00 a.m. – 5:00 p.m.). 

With biometric passport or biometric ID and a selfie

1. Scan your ID document.
2. Your personal information will be read automatically.
3. Take a selfie and we will match it with your ID document.

With ID or passport via video call

1. Start the video call in the app.
2. Have your passport or ID* ready.
3. We will identify you during the call.

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

Yes, you must be a resident of Switzerland and subject to taxation in Switzerland in order to open the account. In certain cases, we require proof of residence.

You will receive two physical cards by mail. One is a debit card linked to your personal account. The other is either a prepaid card (if you chose Pure) or a credit card (if you chose Pro or Prime).

A debit card is directly linked to your personal account. This means the account balance changes immediately each time you use the card. More information about the UBS Debit Card

A credit card has a fixed monthly limit and is not linked to your personal account. Instead, all expenses for a billing period are consolidated, and you receive an invoice. More information about UBS Credit Cards

A prepaid card is not linked to your personal account. You need to add money to your card before you can use it. Other people, such as your parents, can also top up the card. More information about the UBS Prepaid Card

Which offer is right for you depends on your needs.

If you like to travel, frequently spend time abroad, or simply enjoy shopping online – including in online stores outside Switzerland – then the Pro and Prime offers are best for you. With a credit card, you are more financially flexible and also benefit from better exchange rates on payments in foreign currencies.

If you prefer to decide in advance how much money you can spend, Pure is the right offer for you. You add credit to the prepaid card in the app and have the desired amount available for your daily expenses.

If you are still under 18, only the offer with the prepaid card is available to you.

UBS KeyClub is our bonus program where you collect points that you can redeem for products and digital gift cards in the KeyClub eStore (1 point = CHF 1).

Collect KeyClub points every time you pay with your credit card (within UBS key4 banking, young adults between 18 and 26 as well as students up to 30 also collect KeyClub points with the prepaid card).

Partners include Zalando, Manor, Migros, Coop, Ikea, Galaxus and many more. More about KeyClub

If you have set up your login with the Access App and can now log in to UBS Mobile Banking without any problems, everything worked perfectly.

If your identity has been verified but you were not prompted to set up a login, we have sent the contracts to you via email. In this case, please print out the contracts, sign them and return them to us.

If an error message is displayed in the app or your identity could not be verified, the account could not be opened. Please book an appointment via the link.

Opening an account is divided into four steps. During the first two steps, you can pause the process at any time. Simply exit the app, but leave it running in the background. We will store the information you’ve entered for 72 hours. If you return after this time, you will need to restart the opening process.

As soon as you begin the identity verification step, you must stay in the app until you have digitally signed the contracts.