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UBS Banking for Adults

Banking package for adults
Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App
KeyClub rewards program
CHF 50 welcome gift

General information:

UBS banking package for adults. Included in the package: UBS private account, UBS savings account, UBS Debit Mastercard or UBS Visa Debit, UBS prepaid card or credit card, UBS Online Services with UBS e-banking and UBS Mobile Services. Module for cash withdrawals Switzerland: Costs an additional CHF 2 per month (free of charge for the first 6 months). 2 cash withdrawals per month at Swiss third-party ATMs in CHF are included. Module for cash withdrawals worldwide: Costs an additional CHF 5 per month (free of charge for the first 6 months). 4 CHF withdrawals per month at third-party ATMs in Switzerland, 2 cash withdrawals abroad per month are included. Each additional cash withdrawal at ATMs of other banks costs CHF 2 in Switzerland or CHF 5 abroad.

Age:

For individuals from the age of 26.

Currencies:

CHF

Package / account management fee:

If total assets of at least CHF 10,000 or with a UBS mortgage or construction financing (with a credit card or prepaid card): free of charge; otherwise CHF 3 per month (the first 6 months are free of charge). If total assets equal less than CHF 10,000 (no UBS mortgage, no construction financing): CHF 5 per month (the first 6 months are free of charge).

Private account interest rate:

0% per year.

Account opening:

The account opening is free of charge.

Closing of account:

The closing of account is free of charge.

Annual account closure:

The annual account closure is free of charge.

Statements of account:

The monthly statements of account by mail are subject to charges.

Incoming payment:

Incoming payment in CHF are free of charge.

Outgoing payment (Switzerland):

Electronic payment orders in CHF are free of charge.

SEPA payment:

Fee of CHF 0.30 per electronic SEPA payment order in EUR.

Non-SEPA payment (abroad):

Fee of CHF 5.00 per electronic non-SEPA payment order in foreign currency.

Direct debit (LSV) Switzerland:

Electronic payment orders by direct debit (LSV) within Switzerland are free of charge.

Standing order Switzerland:

Electronic standing orders in CHF within Switzerland are free charge.

Annual fee debit card:

Debit card: The annual fee is CHF 48.00.

Purchase Switzerland:

Debit card: Purchases in Switzerland in CHF are free of charge.

Purchase abroad:

Debit card: For purchases in foreign currencies, there is a fee of 2% of the purchase amount with a minimum of CHF 1.00.

Cash withdrawal Switzerland:

Cash withdrawal at ATMs of other banks in CHF: CHF 2 per withdrawal. Cash withdrawal at UBS ATMs: free of charge.

Cash withdrawal abroad:

Debit card:
Per cash withdrawal abroad, there is a fee of CHF 5.00.

Savings account interest rate:

Up to CHF 50,000: 0.05% per year.
From CHF 50,000: 0% per year.

Savings account
withdrawals:

Withdrawals up to CHF 50,000 per year are allowed without notice.
6 withdrawals per year are free of charge, additional withdrawals cost CHF 5 per withdrawal.
There is a notice period of 3 months for larger amounts.

Credit card:

The Silver credit card (with a debit card): CHF 48 per year.
The Silver credit card (without a debit card): CHF 96 per year.
Prepaid card: CHF 48 per year.

Credit card
Purchase abroad in foreign curency:

For purchases abroad or online in foreign currencies there is an administrative fee of 1.75% of the purchase amount.

Reward program:

KeyClub Bonus Program: Spending with UBS prepaid / credit cards: depending on card type. The annual bank package fee can be paid with UBS KeyClub points.

Pillar 3a account
interest rate:

0.1% per year.

Termination of banking relationship:

The termination of the banking relationship is free of charge.

Special services:

Debit Mastercard, Visa Debit, Mobile banking, Online banking, Reward programs