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UBS Banking for Young Adults

Free account including savings account and cards
for young people and students up to age 30
Exclusive deals & cashback offers
CHF 50 welcome gift
Simple in-app account opening

General information:

UBS banking package for young adults. Included in the package: UBS private account for children and young people, UBS youth 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: free of charge, 2 CHF cash withdrawals per month at third-party ATMs in Switzerland free of charge. Module for cash withdrawals worldwide: 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. At the end of education or after the 30th birthday at the latest, monthly rates apply to individuals aged 26 and older.

Age:

For individuals between 12 and 30 years of age.

Currencies:

CHF

Package / account management fee:

Online account management is free of charge. Surcharge for paper documents: CHF 5 per month (the first 6 months are free of charge).

Private account interest rate:

Up to CHF 100,000: 0.1% per year.
From CHF 100,000: 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 free of charge.

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: There is no annual fee to pay.

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: free of charge up to 2 withdrawals per month. Above 2 withdrawals per month: 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: 0.3% per year.
From CHF 50,000: 0% per year.

Savings account
withdrawals:

Withdrawals up to CHF 50,000 per year are allowed without notice. There is a notice period of 3 months for higher amounts.

Credit card:

Silver credit card or prepaid card free of charge.

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: 50 KeyClub points as a welcome gift. Cashless payments with the UBS Prepaid Card: 5 points per semester for at least 10 payments. Spending with UBS prepaid / credit cards: 1 point per CHF 100 turnover (maximum 10 KeyClub points per quarter).

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