Did you know that UBS clients with an eligible Resource Management Account (RMA)1 also get access to attractive rates? In a world of uncertainties and opportunities, being prepared for the unexpected is more important than ever. A short-term cash strategy is a good place to start. UBS Cash Reserve is designed to help you make the most of your cash and can help you earn more than your typical bank checking or savings account.

Make the most of your cash with UBS Cash Reserve

Once you make a deposit into UBS Cash Reserve with your eligible RMA, you'll enjoy: 

  • Earning up to 9x the average national savings account with UBS Cash Reserve.3 View competitive rates at ubs.com/cashreserve.
  • The safety of FDIC insurance (up to applicable limits). For more information regarding FDIC insurance, please see footnote †. 
  • Same-day interest accrual or availability if your deposit or withdrawal request is submitted before 4:00 p.m. Eastern Time on a business day.4
  • Deposit and withdrawal options via UBS Online Services or your Financial Advisor.5
  • Access to your UBS account information, including balance, interest and activity on UBS Online Services or the UBS Wealth Management app — when it’s convenient for you.

Your Financial Advisor can help you align your short-term liquidity strategy to meet your lifestyle needs today, while helping to grow your cash and plan for your long-term financial goals.

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Disclosures

“UBS Bank” is  UBS Bank USA, N.A. Member FDIC, NMLS no. 947868. UBS Bank is a subsidiary of UBS Group AG.
 

† About FDIC Information: UBS Bank is a member of the Federal Deposit Insurance Corporation (FDIC). Funds on deposit at UBS Bank are eligible for FDIC insurance up to $250,000 (including principal and accrued interest) per depositor for each insurable capacity (e.g., single or joint) in which the deposit is held, provided that the requirements for deposit insurance have been met. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances held in the same insurable ownership capacity at UBS Bank, including any UBS Bank issued certificates of deposit you own, UBS Cash Reserve deposits and deposits placed at UBS Bank through participation in the UBS Bank Deposit Sweep Program or through sweep programs offered by third-party broker-dealers. FDIC deposit insurance only covers the failure of an insured bank. UBS Financial Services Inc. is not an FDIC-insured bank. You are responsible for monitoring the total amount of deposits at UBS Bank in order to determine the extent of FDIC deposit insurance coverage. For more information about FDIC insurance, please visit the FDIC website at fdic.gov/deposit/deposits.

1 Other eligible accounts include the UBS Business Services Account BSA and certain types of Advisory accounts. For more information, please contact your UBS Financial Advisor.

2 You may make an initial deposit of $100 or more from an eligible account at UBS Financial Services Inc. into UBS Cash Reserve. UBS Financial Services Inc., as your agent and custodian, will open a deposit account with UBS Bank. Certain advisory accounts, non-resident aliens and financial institutions are not eligible for UBS Cash Reserve.

Interest rates are variable and tiered based on eligible deposits in all your related accounts, which UBS Financial Services Inc. defines as a Marketing Relationship or QP/SEP/SIMPLE Relationship in the Agreements and Disclosures booklet. Interest accrues daily and pays monthly. Applicable rates may be viewed at ubs.com/cashreserve. Rates and tiers are subject to change without notice.

UBS Cash Reserve is not intended for clients who need frequent access to their funds. For non-advisory accounts, UBS Financial Services Inc. will charge $25 for each withdrawal in excess of ten (10) withdrawals in a calendar month. For advisory accounts, if you make more than ten (10) withdrawals in any month, your entire UBS Cash Reserve position (principal plus accrued interest) will be liquidated at the eleventh (11th) withdrawal and deposited in your advisory account. Your funds will not automatically go back into UBS Cash Reserve the next month. Ask your Financial Advisor to transfer funds back if you want to deposit again. A withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Cash Reserve, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. Any applicable fees will be posted to your account at UBS Financial Services Inc. the business day following the excess withdrawal and may reduce your earnings. You may incur a withdrawal fee or your position may be liquidated, as applicable, even if the withdrawal is involuntary such as if a withdrawal is made by UBS Financial Services Inc. to meet a margin call.

Please carefully review the UBS Cash Reserve Disclosure Statement available at ubs.com/cashreservedisclosure(PDF, 226 KB).

3 Based on comparison to the National Deposits Savings average Annual Percentage Yield (APY) as published on the FDIC Weekly National Rates and Rate Caps Weekly Update, as of July 20, 2026.

4 Interest begins to accrue on the day your deposit is credited to UBS Cash Reserve. Deposit and withdrawal orders must be submitted before 4 p.m. Eastern Time on a business day in order to be credited on the same day. Deposit and withdrawal orders submitted after 4 p.m. Eastern Time on a business day or on a non-business day will be credited on the next business day.

For any deposits from an external account, your funds will be credited in UBS Cash Reserve typically in one business day if you submit your funds transfer request before 6 p.m. Eastern Time on a business day. If your request is submitted after 6 p.m. Eastern Time on a business day or on a non-business day, your funds will be credited on the second business day.

A business day is Monday to Friday, excluding New York Stock Exchange and federal holidays.

5 Only non-advisory accounts can execute online UBS Cash Reserve deposits and withdrawals. Note: You must enroll in Electronic Funds Transfer services in order to make UBS Cash Reserve deposits and withdrawals. 

Up to 10 withdrawals per month. Thereafter, a $25 fee per withdrawal (may reduce earnings) or liquidation of the entire UBS Cash Reserve balance will apply, based on account type.


About UBS Financial Services Inc.


The Resource Management Account (RMA), Business Services Account BSA and International Resource Management Account (IRMA) are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a Member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). An explanatory brochure is available upon request or at sipc.org. These accounts provide access to cash management services through arrangements with affiliated banks and other third-party banks, and provide access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. is not a bank.

Investment, insurance and annuity products: Not FDIC insured • Not deposits • No bank guarantee • May lose value

UBS Financial Services Inc. is a subsidiary of UBS Group AG. Member FINRA. Member SIPC.

This information is not provided based on your particular financial situation or needs and does not take into account individual investors' circumstances. You should not consider this information to be a “recommendation” by UBS or your UBS Financial Advisor.

© UBS 2026. All rights reserved. The key symbol, UBS, Resource Management Account, RMA, Business Services Account BSA, International Resource Management Account, and IRMA are among the registered and unregistered trademarks of UBS.

Review code: 20251212-5051539 Exp. 12/12/2026