ab
Banking
packages and
individual
products
Services and prices for private clients,
valid from May 1, 2017
UBS Generation
UBS Campus
UBS Young Professional
UBS Individual
UBS Family
2
3
4
5
6
Individual payments products
UBS Personal Account
UBS Personal Account EUR
UBS Current Account for Private Clients
8
9
10
Banking packages
Individual payments
products
Page
Banking packages
UBS Savings Account for Young People
UBS Savings Account
UBS Investment Fund Account
UBS Time Deposit Account
11
12
13
14
Individual retirement provision products
UBS Fisca Account (Restricted Retirement Account 3a)
UBS Vested Benefits Account
15
16
Individual saving/
investing products
Individual saving/investing products
UBS e-banking/UBS Mobile Banking app
UBS TWINT app
UBS Safe
18
18
19
Bonus program
UBS KeyClub
20
Prices/information
22
24
26
28
1
Prices/information
Bonus program
Digital Banking
Prices for payment services
Prices for card and cash services
Prices for special services
Further information
Individual retirement
provision products
Digital Banking
Free banking package for young people, including the most important products and services for payment,
savings and retirement planning. Free membership of the UBS KeyClub bonus program
Currency
CHF
Package price
Free of charge
Additional benefits:
• Welcome gift of CHF 40 in the form of KeyClub points
• CHF 25 in the form of KeyClub points per referral of a new client with conclusion of a banking package
for young people or students
Included in the package free of charge:
UBS Personal Account Generation1 (only one account per client)
• UBS Savings Account for Young People1 (more than one possible)
• UBS Debit Card1 (V PAY or Maestro; owner card) for free cash withdrawals in CHF within Switzerland
at all UBS Bancomats and ATMs of other banks
• UBS Prepaid Card and/or UBS Credit Cards (Classic/Standard, Special Edition)2 in CHF
(minimum age: 12 for prepaid card, 18 for credit cards. Parental consent is required for individuals under
the age of 18)
• Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 18 and 19
• Payments in CHF in Switzerland from a UBS Personal Account Generation with UBS e-banking/
UBS Mobile Banking, UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order
• Membership of UBS KeyClub bonus program with attractive offers
•
Also available:
UBS Investment Fund Account at preferential conditions, see page 13
• UBS Fisca Account, see page 15
•
•
•
•
•
•
•
Additional services
•
•
Further information
Advice on matters such as when you begin your commercial apprenticeship/secondary school or when you
start your career
KeyClub brochure with current offers, KeyClub newsletter at: ubs.com/keyclub-subscription
ubs.com/generation
1
2
3
4
2
UBS Personal Account Generation, see UBS Personal Account on page 8, with the following exceptions:
– Interest rate: preferential interest rate on UBS Personal Account Generation
– Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
– Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged
UBS Savings Account for Young People, see page 11
The annual fee for the UBS Debit Card, UBS Prepaid Card and/or UBS Credit Cards is included in the
package price and is therefore free of charge
The prices on page 22 onward apply for services not included in the scope of the package
Following termination of the banking package, the terms and conditions on page 8 onward apply
Automatic conversion into the Banking Package UBS Young Professional (see page 4) on the account
holder’s 22nd birthday
These products are required components of the banking package.
Subject to fulfillment of issuing criteria and acceptance of card application.
No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,
for the purchase of securities, UBS funds, precious metals, time deposits or fiduciary investments via UBS or for interest or
amortization payments on UBS Mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
Bonus program
Conditions and additional information
Prices/information
Scope of package
Banking packages
Description
Individual payments
products
For young people aged 12 to 22. Parental consent is required for individuals under the age of 15
Individual saving/
investing products
Condition
Individual retirement
provision products
Open
g
a bankin p:
via ap
package
/open
ubs.com
account
Digital Banking
UBS Generation – the banking package
for young people
Free banking package for students and doctoral students, including the most important products and services
for payment, savings and retirement planning. Free membership of the UBS KeyClub bonus program
Currency
CHF
Package price
Free of charge
Additional benefits:
Welcome gift of CHF 40 in the form of KeyClub points
• CHF 25 in the form of KeyClub points per referral of a new client with conclusion of a banking package
for young people or students
•
Included in the package free of charge:
UBS Personal Account Campus1 (only one account per client)
• UBS Savings Account for Young People1 (more than one possible)
• UBS Debit Card1 (V PAY or Maestro; owner card) for free cash withdrawals in CHF within Switzerland
at all UBS Bancomats and ATMs of other banks
• UBS Credit Cards (Classic/Standard, Special Edition)2 and/or UBS Prepaid Card in CHF
• Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 18 and 19
• Payments in CHF in Switzerland from a UBS Personal Account Campus with UBS e-banking/
UBS Mobile Banking, UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order
• Membership of UBS KeyClub bonus program with attractive offers
•
Also available:
UBS Investment Fund Account at preferential conditions, see page 13
• UBS Fisca Account, see page 15
•
•
•
•
•
•
•
Additional services
•
•
Further information
Advice on matters such as when you begin your studies or when you start your career
KeyClub brochure with current offers, KeyClub newsletter at: ubs.com/keyclub-subscription
ubs.com/campus
1
2
3
4
3
UBS Personal Account Campus, see UBS Personal Account on page 8, with the following exceptions:
– Interest rate: preferential interest rate on UBS Personal Account Campus
– Withdrawals: CHF 15,000 per calendar month, for higher amounts three-month notice period3, 4
– Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged
UBS Savings Account for Young People, see page 11
The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the
package price and is therefore free of charge
The prices on page 22 onward apply for services not included in the scope of the package
Following termination of the banking package, the terms and conditions on page 8 onward apply
The package for students and post-graduates can be extended after a period of two years if the account
holder continues in his/her course of studies. It is automatically converted into the Banking Package
UBS Young Professional (see page 4) after studies end or no later than when the account holder turns 30
These products are required components of the banking package.
Subject to fulfillment of issuing criteria and acceptance of card application.
No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,
for the purchase of securities, UBS funds, precious metals, time deposits or fiduciary investments via UBS or for interest or
amortization payments on UBS Mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
Bonus program
Conditions and additional information
Prices/information
Scope of package
Banking packages
Description
Individual payments
products
For full-time or part-time students in tertiary education as defined by the Swiss education system and
PhD students aged 18 to 30 enrolled in a course of education of at least two years‘ duration
Individual saving/
investing products
Condition
Individual retirement
provision products
Open
g
a bankin p:
via ap
package
/open
ubs.com
account
Digital Banking
UBS Campus – the banking package
for students
Banking package for young professionals and recent graduates, including the most important products and
services for payment, savings and retirement planning for an attractive all-in fee. Free membership of the
UBS KeyClub bonus program
Currency
CHF
Price per month (payments can also be made using UBS KeyClub points):
CHF 66 for total assets7 from CHF 5,000 or by switching to e-documents
• Otherwise CHF 86
•
Special offer in 1st year:
• Free of charge for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit
Card Maestro
Additional benefit:
Welcome gift of CHF 40 in the form of KeyClub points
•
Included in the package:
UBS Personal Account in CHF8 (only one account per client)
• UBS Savings Account in CHF8 (more than one possible)
• UBS Fisca Account (more than one possible)
• UBS Debit Card8 (V PAY or Maestro; owner card) for free cash withdrawals in CHF from your
UBS Personal Account within Switzerland at all UBS Bancomats and ATMs of other banks
• UBS Credit Cards (Classic/Standard, Special Edition, Charity Card)6, 8, 9 and/or UBS Prepaid Card8 in CHF
• Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 18 and 19
• Payments in CHF in Switzerland from a UBS Personal Account with UBS e-banking/UBS Mobile Banking,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order
• Membership of UBS KeyClub bonus program with attractive offers
•
Also available:
UBS Investment Fund Account at preferential conditions, see page 13
•
Conditions and additional information
•
•
•
•
•
•
•
•
Additional services
•
•
Further information
Advice on matters such as starting a career, achieving savings targets and asset optimization
“UBS magazine” containing news and current KeyClub offers, KeyClub newsletter at:
ubs.com/keyclub-subscription
ubs.com/youngpro
5
6
7
8
9
4
UBS Personal Account, see page 8
UBS Savings Account, see page 12
UBS Fisca Account, see page 15
Shipping costs/third-party charges will be passed on
The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the
package price
The prices on page 22 onward apply for services not included in the scope of the package
Following termination of the banking package, the terms and conditions on page 8 onward apply
Automatic conversion into the Banking Package UBS Individual (see page 5) on the account holder’s
24th birthday (for non-students) or two years after the end of studies or no later than when the account
holder turns 32 (for recent graduates)
Studies must have ended within the last two years.
Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra
charge in the first year for new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro.
Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship
excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the lower package price to apply,
total assets must be at least CHF 10,000 for the entire previous month (exception: with the banking package for young
professionals at least CHF 5,000).
These products are required components of the banking package.
Subject to fulfillment of issuing criteria and acceptance of card application.
Bonus program
Scope of package
Prices/information
Package price
Banking packages
Description
Individual payments
products
For young professionals aged 22 to 24 and recent graduates5 up to age 32 for a maximum of 2 years
Individual saving/
investing products
Condition
Individual retirement
provision products
Open
g
a bankin p:
via ap
package
/open
ubs.com
account
Digital Banking
UBS Young Professional – the banking
package for young professionals
Condition
For people aged 24 and above
Description
Banking package for individuals, including the most important products and services for payment, savings and
retirement planning for an attractive all-in fee. Free membership of the UBS KeyClub bonus program
Currency
CHF
Package price
Price per month (payments can also be made using UBS KeyClub points):
• CHF 106 for total assets7 from CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 156 by switching to e-documents
• Otherwise CHF 206
Banking packages
Open
g
a bankin p:
via ap
package
/open
ubs.com
account
Individual payments
products
UBS Individual – the banking package
for individuals
•
•
•
•
•
•
Additional services
•
•
Further information
Advice on matters such as payments and saving, financing a home and asset optimization
“UBS magazine” containing news and current KeyClub offers, KeyClub newsletter at:
ubs.com/keyclub-subscription
ubs.com/individual
6
7
8
9
5
UBS Personal Account, see page 8
UBS Savings Account, see page 12
UBS Fisca Account, see page 15
Shipping costs/third-party charges will be passed on
The annual fee for the UBS Debit Card, UBS Credit Cards and/or the UBS Prepaid Card is included in the
package price
The prices on page 22 onward apply for services not included in the scope of the package
Following termination of the banking package, the terms and conditions on page 8 onward apply
Individual retirement
provision products
•
Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra
charge in the first year for new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro.
Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship
excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the lower package price to apply,
total assets must be at least CHF 10,000 for the entire previous month (exception: with the banking package for young
professionals at least CHF 5,000).
These products are required components of the banking package.
Subject to fulfillment of issuing criteria and acceptance of card application.
Bonus program
Conditions and additional information
Digital Banking
Included in the package:
UBS Personal Account in CHF8 (only one account per client)
• UBS Savings Account in CHF8 (more than one possible)
• UBS Fisca Account (more than one possible)
• UBS Debit Card8 (V PAY or Maestro; owner card) for free cash withdrawals in CHF from your
UBS Personal Account within Switzerland at all UBS Bancomats and ATMs of other banks
• UBS Credit Cards (Classic/Standard, Special Edition, Charity Card)6, 8, 9 and/or UBS Prepaid Card8 in CHF
• Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 18 and 19
• Payments in CHF in Switzerland from a UBS Personal Account with UBS e-banking/UBS Mobile Banking,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order
• Membership of UBS KeyClub bonus program with attractive offers
•
Prices/information
Scope of package
Individual saving/
investing products
Special offer in 1st year:
• Free of charge for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit
Card Maestro
Currency
CHF
Package price
Price per month (payments can also be made using UBS KeyClub points):
• CHF 1510 for total family assets11 from CHF 10,000 or with a building financing or a mortgage at UBS or
• CHF 2510 by switching to e-documents
• Otherwise CHF 3010
Special offer in 1st year:
• Free of charge if both partners are new clients or existing UBS clients without a UBS Debit Card V PAY
or a UBS Debit Card Maestro
• Half-price per month if one partner is a new client or if in the case of existing UBS clients only one
partner has a UBS Debit Card V PAY or a UBS Debit Card Maestro
Included in the package:
UBS Personal Account in CHF12 (more than one possible)
• UBS Savings Account in CHF12 (more than one possible)
• UBS Fisca Account (more than one possible)
• UBS Debit Card12 (V PAY or Maestro; more than one possible) for free cash withdrawals in CHF from your
UBS Personal Account within Switzerland at all UBS Bancomats and ATMs of other banks
• UBS Credit Cards (Classic/Standard, Special Edition, Charity Card)10, 12, 13 and/or UBS Prepaid Cards12 in CHF
• Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 18 and 19
• Payments in CHF in Switzerland from a UBS Personal Account with UBS e-banking/UBS Mobile Banking,
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order
• Membership of UBS KeyClub bonus program with attractive offers
•
Included for your children under the age of 18:
UBS Savings Account for Young People
• UBS Investment Fund Account available on preferential terms
•
•
•
•
•
•
•
•
•
•
Additional services
•
•
Further information
Advice on matters such as payments and saving, financing a home and asset optimization
“UBS magazine” containing news and current KeyClub offers, KeyClub newsletter at:
ubs.com/keyclub-subscription
ubs.com/family
10
11
12
13
6
UBS Personal Account, see page 8
UBS Savings Account, see page 12
UBS Fisca Account, see page 15
UBS Savings Account for Young People, see page 11
UBS Investment Fund Account, see page 13
Shipping costs/third-party charges will be passed on
The annual fee for the UBS Debit Cards, UBS Credit Cards and/or the UBS Prepaid Cards is included in the
package price
The prices on page 22 onward apply for services not included in the scope of the package
Following termination of the banking package, the terms and conditions on page 8 onward apply
Other options: UBS Gold Credit Card (CHF 8 extra per month) or UBS Platinum Credit Card (CHF 30 extra per month). No extra
charge in the first year if both partners are new clients or for existing UBS clients without a UBS Debit Card V PAY or a
UBS Debit Card Maestro. Half-price extra charge per month in the first year if one partner is a new client or if both are existing
UBS clients, but only one partner has a UBS Debit Card V PAY or a UBS Debit Card Maestro.
Family assets include the accumulated account and custody account assets held with UBS under the registered members of
the same family (including their children, if right of disposal provided) excluding UBS Vested Benefits Custody/Account and
prepaid/credit card account assets. For the lower package price to apply, family assets must be at least CHF 10,000 for the entire
previous month.
These products are required components of the banking package.
Subject to fulfillment of issuing criteria and acceptance of card application.
Bonus program
Conditions and additional information
Prices/information
Scope of package
Banking packages
Banking package for families and couples, including the most important products and services for payment,
savings and retirement planning for an attractive all-in fee, which is only charged once per family/couple. Free
membership of the UBS KeyClub bonus program
Individual payments
products
Description
Individual saving/
investing products
For families and couples aged 20 and above (2 people living in the same household, with or without children)
Individual retirement
provision products
Condition
Digital Banking
UBS Family – the banking package
for families and couples
8
9
10
Individual saving/investing products
UBS Savings Account for Young People
UBS Savings Account
UBS Investment Fund Account
UBS Time Deposit Account
11
12
13
14
Individual retirement provision products
UBS Fisca Account (Restricted Retirement Account 3a)
UBS Vested Benefits Account
Digital Banking
UBS e-banking/UBS Mobile Banking app
UBS TWINT app
UBS Safe
18
18
19
Bonus program
UBS KeyClub
Banking packages
15
16
20
Individual saving/
investing products
UBS Personal Account
UBS Personal Account EUR
UBS Current Account for Private Clients
Individual payments
products
Page
Individual payments products
22
24
26
28
7
Prices/information
Bonus program
Digital Banking
Prices for payment services
Prices for card and cash services
Prices for special services
Further information
Individual retirement
provision products
Prices/information
Account maintenance
Withdrawal arrangements
Account statements
Interest calculations
Certification
Credit and debit advices
Shipping costs/third-party expenses
Services
Remarks
Free of charge, monthly; other alternatives possible
Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit
interest) is more than CHF 15
Free of charge, annually as at December 31
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per
advice (on paper)
Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid
or minimize shipping costs
• UBS Debit Card (V PAY/Maestro) or UBS Customer Card
• UBS Credit/Prepaid Cards
• Digital Banking, see pages 18 and 19
• UBS Bancomat/UBS Bancomat Plus
• UBS Multimat
• Payment orders, e.g. UBS easy, LSV+ (direct debit)
• UBS BESR Quick payment slips
The prices from page 22 onward apply for these services
•
•
Further information
ubs.com/accounts
14
15
16
8
Free banking packages for young people and students are also available, see pages 2 and 3
For adults, the UBS Personal Account is already included in the banking packages for an attractive all-in fee,
see pages 4 to 6
Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship
excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the reduced account management
fee to apply to the account, total assets must be at least CHF 10,000 (or equivalent in EUR) for the entire previous month.
No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,
for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or
amortization payments on UBS Mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
Banking packages
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client. Account closures are also subject to the conditions listed under “Withdrawal
arrangements”
• CHF 5 per month with total assets14 of at least CHF 10,000 held with UBS or with a building financing or
a mortgage at UBS
• Otherwise CHF 7 per month
These prices are reduced by CHF 2 per month by switching to e-documents
• CHF 100,000 per calendar month, for higher amounts three-month notice period 15, 16
• Overdraft: possible upon bank’s approval
Individual payments
products
Opening/closing an account
Individual saving/
investing products
CHF
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Individual retirement
provision products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Digital Banking
Suitability
For people aged 20 and over. Available to young people with UBS Generation from the age of 12 and to
students with UBS Campus from the age of 18
For salary or pension deposits and for processing all payment and securities transactions
Bonus program
Condition
Prices/information
UBS Personal Account
For salary deposits and for processing all payment and securities transactions
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
EUR
See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
or access via the Internet at ubs.com/interest
35% if the gross interest income is over CHF 200 (equivalent in EUR) or if the account is balanced more than
once per calendar year
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client. Account closures are also subject to the conditions listed under “Withdrawal
arrangements”
• CHF 5 per month with total assets14 of at least CHF 10,000 (or equivalent in EUR) held with UBS or
with a building financing or a mortgage at UBS
• Otherwise CHF 7 per month
These prices are reduced by CHF 2 per month by switching to e-documents
• EUR 60,000 per calendar month, for higher amounts three-month notice period 15, 16
• Overdraft: possible upon bank’s approval
Account statements
Interest calculations
Certification
Credit and debit advices
Shipping costs/third-party expenses
Services
Free of charge, monthly; other alternatives possible
Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Free of charge, annually as at December 31
Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per
advice (on paper)
Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid
or minimize shipping costs
• UBS Debit Card (V PAY/Maestro) or UBS Customer Card
• UBS Credit Cards
• Digital Banking, see pages 18 and 19
• UBS Bancomat/UBS Bancomat Plus
• UBS Multimat
• Payment orders, e.g. LSV+ (direct debit)
The prices from page 22 onward apply for these services
Digital Banking
Withdrawal arrangements
Remarks
Further information
ubs.com/accounts
14
15
16
9
Total assets include the accumulated account and custody account assets held with UBS under the same banking relationship
excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. For the reduced account management
fee to apply to the account, total assets must be at least CHF 10,000 (or equivalent in EUR) for the entire previous month.
No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,
for the purchase of securities, UBS Funds, precious metals, time deposits or fiduciary investments via UBS or for interest or
amortization payments on UBS Mortgages.
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
Bonus program
Account maintenance
Prices/information
Opening/closing an account
Banking packages
Suitability
Individual payments
products
For people aged 12 and over
Individual saving/
investing products
Condition
Individual retirement
provision products
UBS Personal Account EUR
Withdrawal arrangements
The total asset amount at all times
Account statements
Interest calculations
Free of charge, quarterly; other alternatives possible
Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
On request
Free of charge, monthly; other alternatives possible
Opening/closing an account
Certification
Credit and debit advices
Shipping costs/third-party expenses
Services
Remarks
Further information
10
Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid
or minimize shipping costs
• UBS Debit Card (V PAY/Maestro; in CHF and EUR) or UBS Customer Card
• UBS Credit/Prepaid Cards
• Digital Banking, see pages 18 and 19
• UBS Bancomat/UBS Bancomat Plus
• UBS Multimat
• Payment orders, e.g. UBS easy, LSV+ (direct debit)
• UBS BESR Quick payment slips
The prices from page 22 onward apply for these services
In CHF only available with a UBS Custody Account
ubs.com/accounts
Banking packages
Account maintenance
CHF and foreign currencies
See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
or access via the Internet at ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced
more than once per calendar year
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client. Account closures are also subject to the conditions listed under “Withdrawal
arrangements”
CHF 5 monthly, charged annually
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
For more substantial personal payment and securities transactions
Individual retirement
provision products
Suitability
Digital Banking
For people aged 18 and over
Bonus program
Condition
Prices/information
UBS Current Account for Private Clients
Opening/closing an account
Account maintenance
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client. Account closures are also subject to the conditions listed under “Withdrawal
arrangements”
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books
Withdrawal arrangements
CHF 50,000 per calendar year, for higher amounts three-month notice period 17, 18
Account statements
Interest calculations
Free of charge, annually as at December 31; other alternatives possible
Free of charge, annually as at December 31
Certification
Credit and debit advices
Free of charge, annually as at December 31
Free of charge, monthly; other alternatives possible
Shipping costs/third-party expenses
No shipping costs. Other third-party charges will be passed on
Services
•
•
•
•
•
Remarks
Further information
When opened as a gift savings account, the UBS Savings Account for Young People is always in the child’s
name. The right of disposal is transferred to the young person no later than when he/she has reached the age
of majority
• Conversion into a UBS Savings Account when the account holder turns 20 with the following exceptions:
– With the free Banking Package UBS Generation (see page 2), the automatic conversion does not take place
until the account holder turns 22
– With the free Banking Package UBS Campus (see page 3), the automatic conversion takes place when the
account holder has finished his/her studies or no later than when he/she turns 30
• A charge of CHF 5 per payment applies in addition to the payment transaction charges in the case of
payments from the UBS Savings Account for Young People (see page 22)
• We recommend that you use your UBS Personal Account for payments
ubs.com/accounts
•
17
18
11
Gift for newborns: account credit of CHF 20
Sending of a savings box and a gift card
Gift certificate for later transfer of the account
Digital Banking, see pages 18 and 19
Topsy’s world: ubs.com/topsy
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
No notice period necessary for transfer to a UBS Investment Fund Account, UBS Fisca Account or UBS Time Deposit Account.
Banking packages
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
The ideal gift for your child, godchild or grandchild. Can also be opened by the young people themselves when
they are aged 12 or above. Parental consent is required for individuals under the age of 15
CHF
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/interest
35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year
Individual retirement
provision products
Suitability
Digital Banking
For children and young people up to 20 years of age
Bonus program
Condition
Prices/information
UBS Savings Account for Young People
Opening/closing an account
Account maintenance
Withdrawal arrangements
CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice period19, 20
Account statements
Interest calculations
Free of charge, annually as at December 31; other alternatives possible
Free of charge, annually as at December 31
Certification
Credit and debit advices
Free of charge, annually as at December 31
Free of charge, monthly; other alternatives possible
Shipping costs/third-party expenses
Are passed on and normally charged at the end of the calendar year. See page 28 for details of how to avoid
or minimize shipping costs
• Digital Banking, see pages 18 and 19
• UBS Bancomat/UBS Bancomat Plus
• UBS Multimat
• UBS BESR Quick payment slips (only for CHF)
• UBS Customer Card
Services
Remarks
•
•
•
•
Further information
ubs.com/accounts
19
20
12
The UBS Savings Account in CHF is already included in the banking packages, see pages 4 to 6
A charge of CHF 5 per payment applies in addition to the payment transaction charges in the case of
payments from the UBS Savings Account (see page 22)
If more than 6 cash withdrawals are made from a UBS Savings Account in a given calendar year, CHF 5 are
charged for each withdrawal (see page 24)
We recommend that you use your UBS Personal Account for payments and regular cash withdrawals
If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account
or for interest or amortization payments on UBS Mortgages.
Banking packages
CHF and EUR
See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
or access via the Internet at ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in EUR) or if the account is balanced more than
once per calendar year
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client. Account closures are also subject to the conditions listed under “Withdrawal
arrangements”
• Free of charge
• Maintenance fee of CHF 2 monthly for existing savings books (only for CHF)
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
Personal savings
Individual retirement
provision products
Suitability
Digital Banking
In CHF for people aged 20 and above / in EUR for all age groups
Bonus program
Condition
Prices/information
UBS Savings Account
Opening/closing an account
Account maintenance
See under “Remarks”
Withdrawal arrangements
Account statements
Interest calculations
At any time through your client advisor or over the counter:
• Up to 80% of the capital invested in the UBS Investment Fund Account/Custody Account
• Minimum withdrawal: CHF/EUR/USD 250
Young bank clients21/young professionals21: CHF/EUR/USD 100
• Closure after sale of fund units is settled
Free fund account statement, annually as at December 31
Free of charge, annually as at December 31
Certification
Credit and debit advices
•
Shipping costs/third-party expenses
Free fund account tax certificate, annually as at December 31
Normally no advice
• Individual advice for each investment
See under “Remarks”
Services
•
•
•
•
•
•
Remarks
•
•
•
•
•
Further information
ubs.com/fundaccount
21
22
13
Investment instructions: choose from a large selection of broadly diversified UBS Investment Funds
Asset accumulation: automatic investment in UBS Investment Funds according to your investment instruction
once a minimum investment amount of CHF/EUR/USD 250 (young bank clients21/young professionals21:
CHF/EUR/USD 100) is reached. Preferable rate of interest on credit balances22 below minimum investment
amount
Deposits and withdrawals can be made at any time
Redemption plan possible starting from minimum investment of CHF/EUR/USD 50,000
Digital Banking, see pages 18 and 19
Sending of a savings box and newborns receive a gift of CHF 20, which is credited to their account
0.14% administration fee p.a. for managing the UBS Investment Fund Account/Custody Account
Issuing commission for investing in UBS Investment Funds (price varies depending on the fund) and standard
commissions and costs of the individual investment funds
Third-party charges (e.g. VAT, withholding tax, federal stamp duties, etc.) will be charged separately
Preferential conditions for young bank clients21/young professionals21:
– preferential interest rate in CHF
– no administration fee
– 50% discount on issuing commission (other commissions and costs will be charged separately)
When opened as a gift account, the UBS Investment Fund Account is always in the child’s name. The right of
disposal is transferred to the young person no later than when he/she has reached the age of majority
Young bank clients: children and young people up to 20 years of age and clients with the banking packages UBS Generation or
UBS Campus. Young professionals: clients with the Banking Package UBS Young Professional.
Except for UBS Investment Fund Account in USD.
Banking packages
CHF/EUR/USD
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/interest
35% if the gross interest income is over CHF 200 (or equivalent in foreign currency) or if the account is balanced
more than once per calendar year. 35% of earnings on investment funds under Swiss law
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
For asset accumulation with UBS Investment Funds
Individual retirement
provision products
Suitability
Digital Banking
For all age groups (for young bank clients21/young professionals21 at preferential conditions)
Bonus program
Condition
Prices/information
UBS Investment Fund Account (with associated
UBS Investment Fund Custody Account)
Opening/closing an account
Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that
are chargeable to the client
Account maintenance
Free of charge
Withdrawal arrangements
None (exceptionally on request)
Account statements
Interest calculations
–
Annually from date money is deposited or as at December 31
Certification
Credit and debit advices
–
–
Shipping costs/third-party expenses
–
Services
•
•
•
Remarks
Further information
14
Investment amount: from CHF/EUR 5,000 (rounded to the nearest cent)
Term: from 1 year and 1 day up to 10 years
Digital Banking, see pages 18 and 19
Banking relationship with UBS required
ubs.com/time-deposit-account
Banking packages
CHF/EUR
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/time-deposit-account
35% of gross interest income
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
For investments with a fixed interest rate and a high degree of security
Individual retirement
provision products
Suitability
Digital Banking
For people aged 18 and above
Bonus program
Condition
Prices/information
UBS Time Deposit Account
Opening/closing an account
Free of charge, more than one account possible; the remarks set out under “Withdrawal arrangements”
apply for payments and account closure
Account maintenance
Free of charge
Withdrawal arrangements
Payment no earlier than 5 years prior to reaching normal AHV retirement age or in accordance with statutory or
regulatory provisions
Account statements
Interest calculations
Free of charge, annually as at December 31
Free of charge, annually as at December 31
Certification
Credit and debit advices
Free tax certificate, annually as at December 31
Free of charge, monthly; other alternatives possible
Shipping costs/third-party expenses
Free of charge
Services
•
•
•
Remarks
UBS Vitainvest Investment Funds in UBS Fisca Custody Account
UBS Standing Order Fisca (free of charge)
Digital Banking, see pages 18 and 19
Financing home ownership
Maximum deposits at present per calendar year:
– With “BVG”: CHF 6,768
– Without “BVG”: 20% of income, up to a maximum of CHF 33,840
• Tax benefits:
– Deposits are deductible from taxable income
– Interest income and savings capital not taxable until paid out
– Taxation at reduced rate on payout of capital
The UBS Fisca Account is already included in the banking packages, see pages 4, 5 and 6
•
•
Further information
15
ubs.com/fisca
Banking packages
CHF
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/interest
None
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
Retirement plan for tax-deductible saving (pillar 3a)
Individual retirement
provision products
Suitability
Digital Banking
For people who pay AHV contributions
Bonus program
Condition
Prices/information
UBS Fisca Account (Restricted Retirement
Account 3a)
Opening/closing an account
Free of charge; the remarks set out under “Withdrawal arrangements” apply for account closure
Account maintenance
Free of charge
Withdrawal arrangements
Payment no earlier than 5 years prior to and no later than 5 years after reaching normal AHV retirement age
or in accordance with statutory or regulatory provisions
Account statements
Interest calculations
Free of charge, annually as at December 31
Free of charge, annually as at December 31
Certification
Credit and debit advices
–
Free of charge
Shipping costs/third-party expenses
Free of charge
Services
Investments in UBS Vitainvest Investment Funds without issuing commission and custody account fees
Remarks
•
•
Further information
16
Tax benefits:
– Interest income and savings capital not taxable until paid out
– Taxation at reduced rate on payout of capital
Financing owner-occupied residential property:
– Early withdrawal or pledging of retirement assets for purchase, building, renovation and conversion
– Processing fee of CHF 300
ubs.com/vestedbenefits-private
Banking packages
CHF
See separate overview, which you can obtain at UBS branch offices or access via the Internet at
ubs.com/interest
None
Individual payments
products
Currency
Interest rate/interest payment limit/
deposit charge EUR
Withholding tax
Individual saving/
investing products
Solution for maintaining an occupational pension plan
Individual retirement
provision products
Suitability
Digital Banking
For people with assets from an occupational pension plan (pillar 2)
Bonus program
Condition
Prices/information
UBS Vested Benefits Account
UBS e-banking/UBS Mobile Banking app
UBS TWINT app
UBS Safe
18
18
19
Bonus program
UBS KeyClub
20
Prices/information
22
24
26
28
17
Banking packages
Prices/information
Bonus program
Digital Banking
Individual retirement
provision products
Individual saving/
investing products
Prices for payment services
Prices for card and cash services
Prices for special services
Further information
Individual payments
products
Page
Digital Banking
•
•
•
•
•
•
•
•
•
•
•
Requirements
Banking relationship with UBS and signed declaration on the use of
Digital Banking
Means of access
•
•
•
•
•
log-in via app with PIN free of charge
first card free of charge, replacement/
additional card CHF 10 (incl. VAT)
Access Card Display: CHF 25 (incl. VAT)
Card reader:
first card reader free of charge, replacement/
additional card reader CHF 10 (incl. VAT)
Access Key:
CHF 65 (incl. VAT)
ubs.com/digital
UBS TWINT app
Services at a glance
•
•
•
Limits
With a UBS account,
UBS Credit/Prepaid Cards
• Limit on amounts sent
• Limit on amounts received
Maximum transaction amount
For payments sent, requested or
received
Requirements
Further information
23
24
18
Send, request and receive money simply, speedily and securely
Make cashless payments with your smartphone, and make purchases
in stores, online and from vending machines
App and transactions are free of charge
Up to CHF 3,00024 (rolling monthly limit over 30 days)
CHF 4,000 (rolling monthly limit over 30 days)
Banking packages
As for monthly limit
A Swiss mobile phone number and account number as well as a credit or
prepaid card
ubs.com/twint
You can access individual functions only in e-banking or the Mobile Banking app.
The standard limit with UBS Credit/Prepaid Cards is CHF 500, which can be increased to CHF 3,000 in the app by means of
two-step authentication.
Bonus program
Further information
UBS Access app:
Access Card:
Individual payments
products
•
Assets: account balances as well as the most recent credits and debits;
the market value of custody accounts and portfolios
UBS Credit and Prepaid Cards: payments made, available amount,
switch to paperless invoices, card blocking and orders for new cards
UBS Debit Cards: adjustment of the limits, card blocking and orders for
new cards
Push notifications via the app, SMS or e-mail: e.g. for debits to accounts
or credit cards
Payments: execution with the payment slip scanner and the payment
assistant; approval of e-bills
Personal financial assistant: analysis of expenditure; overview of the
budget and achievement of your defined savings targets
Quotes: information on financial market trends and details on specific
financial instruments
Investment views: market analyses and investment ideas
Trading: buying and selling securities
Offers: opening of accounts; ordering of credit cards, debit cards and
means of access to use Digital Banking
Mailbox: secure, confidential communication with client advisor
E-documents: bank documents in electronic form
Safe: digital safe for safekeeping of important personal documents,
bank documents (e-documents) and passwords, see page 19
Individual saving/
investing products
•
Prices/information
Services at a glance23
Individual retirement
provision products
UBS e-banking/UBS Mobile Banking app
Digital Banking
Digital Banking
•
•
•
•
Secure safekeeping of personal documents
Automatic delivery and unlimited safekeeping of bank documents
(e-documents)
Administration and consultation of passwords
Data storage on UBS servers in Switzerland
24/7 access via UBS e-banking or on your smartphone via UBS Safe app
Subscription options
Basic
Classic
Professional
Storage
• For banking documents
• For personal documents
• Number of passwords
Unlimited
30 MB
30
Unlimited
3 GB
Unlimited
Unlimited
30 GB
Unlimited
•
Free of charge
Free of charge
CHF 4 per month
Free of charge
CHF 5 per month
CHF 9 per month
Requirements
•
Costs per month
For clients with a banking
package or investment solution
(UBS Advice, UBS Manage)
• For other clients
•
ubs.com/safe
19
Prices/information
Bonus program
Digital Banking
Individual retirement
provision products
Further information
Banking relationship with UBS and UBS e-banking contract and
domicile in Switzerland
Initial activation via UBS e-banking
Banking packages
•
Individual payments
products
Services at a glance
Individual saving/
investing products
UBS Safe
UBS Generation
UBS Campus
UBS Young
Professional
UBS Individual
UBS Family
Incoming payments on a
UBS Personal Account25
5 points per quarter
for a minimum of
3 incoming payments
15 points per half
year for a minimum
of CHF 2,000 each
month
5 points26 per half
year for a minimum
of CHF 4,000 each
month
Payment with UBS Prepaid Card25
5 points per half year
for a minimum of
10 payments
–
–
Spending on UBS Credit/Prepaid
Card (including cards in foreign
currencies EUR/USD)27, 28
1 point per quarter
for every CHF 100
spent
(CHF 1,000 limit)
UBS Prepaid Card and UBS Credit Card
Classic/Standard, Special Edition 3 points,
Gold 6 points, Platinum 9 points for every
CHF 1,000 spent
As a young person or student, you benefit even more
Opening a package for young people,
students or young professionals:
ubs.com/banking-packages
40 points as a welcome gift
Referring a new client with the
conclusion of a package for young
people or students:
ubs.com/bringafriend
25 points per new client
ubs.com/keyclub
ubs.com/keyclubestore
25
26
27
28
20
As part of a banking package.
Maximum 10 points on collective/joint accounts in the Banking Package UBS Family with two or more entries of at least
CHF 4,000.
Cards in foreign currencies (EUR/USD): spending is converted into CHF at the official UBS “sell” exchange rate and the points
calculated according to the collection rules.
These collection rules also apply to clients without a banking package.
Banking packages
Prices/information
Bonus program
Digital Banking
Further information
Individual payments
products
Collection rules
Individual saving/
investing products
UBS KeyClub is the bonus program from UBS that rewards you for making active use of certain banking services
(see “Collection rules”). The points you collect can be redeemed just like cash for special offers and the entire
range of our KeyClub partners, either as ePoints in the UBS KeyClub eStore or as paper checks at the till. One
point equals one franc
Individual retirement
provision products
UBS KeyClub
Bonus program
Digital Banking
Individual retirement
provision products
Individual saving/
investing products
Prices for payment services
Prices for card and cash services
Prices for special services
Further information
21
22
24
26
28
Individual payments
products
Banking packages
Page
Prices/information
Prices/information
CHF without
a banking
package or
fee exemption for
individual
products
EUR
Other
foreign
currencies
All
currencies32
Electronic order
Digital Banking/UBS Multimat
• Single payment order,
standing order
• SEPA payments
• “Abroad extra” payments
Free of charge
CHF 0.30
CHF 0.30
CHF 5
CHF 5
–
–
–
–
–
–
–
–
CHF 0.3033
CHF 10 incl.
third-party
charges
Direct debit
LSV+
SEPA direct debit
Free of charge
–
CHF 0.30
–
CHF 0.30
CHF 0.30
–
–
–
CHF 0.3033
Free of charge
CHF 0.50
–
–
–
Free of charge
CHF 2
Free of charge
Free of charge
Free of charge
CHF 2
CHF 35
CHF 0.50
CHF 2
CHF 0.50
CHF 0.50
Free of charge
CHF 2
CHF 35
CHF 4
CHF 4
CHF 2
–
–
CHF 4
CHF 35
–
CHF 10
CHF 5
–
–
CHF 10
CHF 35
–
CHF 10
CHF 5
–
–
CHF 10
CHF 60
•
•
Paper-based order
UBS easy
• Per payment slip
UBS easy international
• Per payment slip
• Per IPI payment slip
UBS Standing Order
UBS Special Standing Order
UBS Standing Order Fisca
UBS global
One-time order34 by letter/
telephone/fax
Other
• For payments from the
UBS Savings Account for
Young People/
UBS Savings Account
• Account transfers35
Additional charge of CHF 5 on all the above prices; domestic payments
in CHF from the savings account for young people/savings account
are not included in the banking package and there is no fee exemption
on individual products
Free of charge under the same banking relationship
Incoming payments
Credit to UBS Account
(from Switzerland and abroad)
29
30
31
32
33
34
35
36
22
Free of charge36
For collective orders, the prices are calculated per executed payment.
Only for payments from UBS Personal Accounts.
Applies if your total assets remain at least CHF 10,000 for the entire previous month or if you have a building financing or
mortgage at UBS. Total assets include the accumulated account and custody account assets held with UBS under the same
banking relationship excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. Prices are valid for
payments from the UBS Personal Account.
All prices exclude third-party charges.
In EUR only.
The individual order with the cost option “all costs to be borne by the beneficiary” becomes automatically applicable when an
account is closed and the funds immediately transferred abroad. If by fax, a fax agreement is required.
For transfers to the card account (UBS Credit or Prepaid Cards) the prices stated above for domestic payments in CHF apply; if
made by the client advisor, a charge of CHF 35 per transfer applies.
Depending on the cost option that the ordering customer arranges with his bank, some costs may be deducted from the incoming
transfer amount. See page 23, other costs.
Banking packages
Individual payments
products
CHF with
a banking
package30
or a fee
exemption31
for individual
products
Individual saving/
investing products
Foreign
payments
Individual retirement
provision products
Domestic payments
Digital Banking
Prices in CHF and per
payment29, charged on a
monthly basis
Bonus program
Outgoing payments
Prices/information
Prices for payment services
Banking packages
“Breakdown of costs (SHA)”37
The ordering client pays the UBS costs and the
beneficiary pays the third-party charges, which are
deducted from the transfer amount
•
“All costs to be borne by the beneficiary (BEN)”
The beneficiary pays the UBS costs and the thirdparty costs, which are deducted from the transfer
amount
Incoming payments
From abroad (not SEPA) or in foreign currencies
within Switzerland (excluding EUR), depending on the
cost option selected:
• “All costs to be borne by the ordering client (OUR)”
No costs
•
“Breakdown of costs (SHA)”37
UBS costs of CHF 6 are deducted from the incoming
amount38
•
“All costs to be borne by the beneficiary (BEN)”
UBS costs of CHF 6 are deducted from the incoming
amount38
Third-party charges
•
•
•
Third-party charges imposed by PostFinance
and other banks for cash deposits, manual
interventions, follow-up inquiries, returned
payments (rejects), etc. are generally passed on
to the client
For payments in EUR to an EU/EEA country without an IBAN, the ordering client incurs a charge
of CHF 8. SEPA payments do not incur any thirdparty charges
Please note that some banks levy a fee on their
clients’ incoming payments. UBS has no influence
over this
Particularly time-consuming inquiries for which
the bank was not at fault
CHF 120 per hour
Producing and mailing extra copies/
payment confirmations
•
•
CHF 10 for confirmation by letter
CHF 50 for confirmation by fax (fax agreement
with UBS required)
Ordering forms
Free of charge
UBS BESR Quick
(bank payment slip with reference number)
Free of charge
UBS red payment slip
CHF 0.20 per slip (plus VAT)
37
38
23
The option “Breakdown of costs (SHA)” is used as the default if no other cost option is selected.
The costs charged by the banks involved are already included in the incoming amount.
Prices/information
Bonus program
Payment forms
Individual payments
products
•
Individual saving/
investing products
The ordering client pays the UBS costs and a thirdparty flat rate fee of CHF 20, which covers all
additional costs until credited to the beneficiary
bank
Individual retirement
provision products
Outgoing payments
Cost options for foreign payments
• “All costs to be borne by the ordering client (OUR)”
Digital Banking
Other costs
CHF 40 per year40
Free of charge
Replacement card
CHF 20 per card
CHF 20 per card41
Blocking
• Via UBS Helpline/client advisor
• Via Digital Banking
CHF 40 per card
Free of charge
Free of charge
–
Cashless payments
• In Switzerland
• Abroad
Free of charge
1% of the amount, at least CHF 1.50, UBS foreign exchange sell rate42
Cash deposits at
UBS Bancomat Plus
• CHF
• CHF into a EUR account
• EUR into a CHF account
• EUR into a EUR account
Free of charge
Free of charge, UBS foreign exchange sell rate
Free of charge, UBS banknote buy rate
1% of the amount
UBS counter
CHF into a CHF account
• Foreign currencies into a CHF account
• EUR, USD, GBP into an account of
the same currency43
• Coin deposit
Free of charge
Free of charge, UBS banknote buy rate
2% of the amount, up to an equivalent of CHF 1,000
1% for larger amounts, up to an equivalent of CHF 50,00044
Available on request
Cash withdrawals from
UBS Bancomat
• CHF from a CHF account
• EUR from a CHF account
• EUR from a EUR account
Free of charge or CHF 5 per withdrawal45
Free of charge or CHF 5 per withdrawal45, UBS banknote sell rate
1% of the amount; for a UBS Savings Account, see also footnote 45
•
UBS counter
CHF from a UBS Personal Account
in CHF
• CHF from a UBS Savings Account
• CHF from all other accounts
• Foreign currencies from a CHF account
• EUR, USD, GBP from an account of
the same currency43
•
ATMs and counters of other banks47
In Switzerland in CHF
• In Switzerland in EUR
• Abroad, in the applicable local currency
•
39
40
41
42
43
44
45
46
47
24
Up to CHF 5,000: CHF 2 per withdrawal or free of charge46
Over CHF 5,000: free of charge
Free of charge or CHF 5 per withdrawal45
Free of charge
Free of charge or CHF 5 per withdrawal45, UBS banknote sell rate
2% of the amount, up to an equivalent of CHF 1,000
1% for larger amounts, up to an equivalent of CHF 50,00044;
for a UBS Savings Account, see also footnote 45
CHF 2 per withdrawal39
1% of the amount, at least EUR 3.50, UBS foreign exchange sell rate42
CHF 5 per withdrawal, UBS foreign exchange sell rate42
Included in all banking packages.
Included in the Banking Package UBS Family.
If previous card was in circulation for less than 2 years.
The exchange rate applied always includes a surcharge on the market rate obtained from the market-based counterparties
(including UBS Investment Bank). The maximum surcharges applied per foreign exchange transaction can be found at ubs.com
or obtained from customer service.
Other currencies upon request.
On request for amounts higher than CHF 50,000.
If more than 6 cash withdrawals are made from a UBS Savings Account in a given calendar year, CHF 5 is charged for each
withdrawal. This rule applies per UBS banking relationship and account currency, for all cash withdrawals and also for purchases
of precious metals. Withdrawals from all other accounts are not affected by this regulation.
Free of charge with all banking packages or if the total assets on account do not fall below CHF 10,000 at any point during the
previous month or with UBS Building Financing or a UBS Mortgage. Total assets include the accumulated account and custody
account assets held with UBS under the same client relationship, excluding UBS Vested Benefits Custody/Account and prepaid/
credit card account assets.
Third-party costs may be passed on to the cardholder.
Banking packages
Free of charge
Authorized representative card
Individual payments
products
CHF 40 per year39
Individual saving/
investing products
Owner card
Individual retirement
provision products
UBS Customer Card
Digital Banking
UBS Debit Card V PAY/
UBS Debit Card Maestro
Bonus program
UBS Debit Cards
Prices/information
Prices for card and cash services
Banking packages
UBS Visa Card and UBS Mastercard
Classic/Standard
Special Edition48
Gold
Platinum
Two-card set
• In 1st year
• In each subsequent year
–
CHF 5049
CHF 5049
Available
CHF 5049
CHF 10049
Available
CHF 10050
CHF 20050
Available
CHF 25051
CHF 50051
Two-card set partner
(per year)
–
CHF 2552
CHF 5050
Included51
Currency
CHF
CHF
CHF
CHF, EUR, USD53
Free of charge
Free of charge
CHF 1.80 / EUR 1.70 / USD 1.90 per invoice
Free of charge
Included
Free of charge
Free of charge
4% of the amount, at least CHF 10 / EUR 8 / USD 10 per withdrawal
Lottery (except Swisslos/
Loterie Romande), betting
and casino transactions
(gambling)
4%, maximum CHF 100 / EUR 100 / USD 100 per transaction
Currency conversions for
transactions in foreign
currencies
UBS foreign exchange sell rate42 or card organization rate57
plus 1.75% processing surcharge
CHF transactions abroad58
1.75% processing surcharge
Interest rate for payment in
installments
–
Card blocking
Free of charge
Reimbursements of card
balances
CHF 20
–
Reminder fees
–
CHF 30 to CHF 60
Passing on of third-party
costs
All third-party costs incurred (e.g. postage costs, fees for payments at post
office counters, courier costs for card delivery abroad, costs for visits to
airport lounges) may be passed on. For detailed price information please
contact our customer service
48
49
50
51
52
53
54
55
56
57
58
25
Individual retirement
provision products
Cash withdrawals at ATMs
or from a counter in Switzerland and abroad
Individual saving/
investing products
Monthly invoice
• In paper form55
• Paperless56 or with an e-bill
CHF
Plus CHF 72 per year
Annual interest rate of 12%
–
Prices also apply to UBS Optimus Foundation Charity cards.
Free of charge with UBS Generation and UBS Campus (minimum age: 12 for prepaid card, 18 for credit card). Included in the
price of other banking packages.
Available for an additional charge of CHF 8 per month in the case of UBS Young Professional and UBS Individual/Family. This
includes a two-card set and, in the case of UBS Family, a partner card.
Available for an additional charge of CHF 30 per month in the case of UBS Young Professional and UBS Individual/Family.
The partner card is included in the Banking Package UBS Family.
Partner cards are also available in a currency other than that of the main card.
Free of charge if order is made via UBS e-banking or UBS Mobile Banking app.
For clients with UBS Retained Mail Service invoices in paper form are free of charge.
Paperless invoices can be activated in UBS e-banking. Find out more at ubs.com/paperless.
The exchange rate applied always includes a surcharge on the market rate obtained from the market-based counterparties.
Transactions that are charged to a credit or prepaid card at a foreign point of acceptance in Swiss francs are deemed to be
foreign transactions. This is either a CHF transaction at a foreign point of acceptance on site or a CHF transaction via e-commerce
that is processed abroad.
Digital Banking
CHF
–
2054
Bonus program
Replacement card
With UBS Travel Insurance
Plus
2054
Prices/information
UBS Mastercard
Prepaid
Individual payments
products
UBS Credit/Prepaid Cards
Bank check (issued by UBS)
Sent to client in Switzerland by registered mail
• Sent to client in Switzerland by courier
• Sent to client abroad
CHF 50 per check
CHF 100 per check
CHF 100 per check
Stop notice on check
• Correspondence check
• Bank check
CHF 50 per check
CHF 100 per check (excl. third-party costs)
•
Check credited to account
“Under usual reserve”
• Payable at domestic bank
• Payable at foreign bank
• Traveler’s checks
– In CHF
– In foreign currency
CHF 20 per check
CHF 20 per check
Free of charge
CHF 5 per check
•
“After final payment”
Payable at domestic bank
• Payable at foreign bank
CHF 30 per check
CHF 40 per check
Payment in cash
CHF 15 per check
Third-party costs
All additional costs charged by other involved banks are
debited in full
Other charges
CHF 480 per quarter
UBS Retained Mail Service
• Surcharge for dispatch of UBS Retained Mail
• Cost for courier dispatch of documents
in special circumstances
CHF 240 per quarter (plus VAT)
CHF 150 per year (plus VAT)
CHF 100 per year (plus VAT)
UBS Safe Deposit Box
Upon request
Surcharge for domiciliary companies
Upon request
26
Prices/information
Bonus program
Digital Banking
UBS Numbered Account Relationship
Banking packages
CHF 10 per check
CHF 1 per check
Individual payments
products
Issuing check
Correspondence check
• Payable against a UBS Account
• Check forms
Individual saving/
investing products
Check transactions
Individual retirement
provision products
Prices for special services
The additional charge will not apply in the following cases:
• Client relationships with total assets61 booked at UBS in
Switzerland over CHF 250,000
• Clients who are domiciled in Germany, France, Italy or
Austria if there is a regular monthly salary deposit of at
least CHF 50062
• Clients with a UBS Numbered Account
• Client relationships with UBS Retained Mail
• Clients with a UBS Mortgage or a UBS Building Financing
• Clients with a UBS Mandate Solution
• Clients with UBS Service Access
• Clients with a banking package for young people or for
students
• Client relationships that are exclusively a UBS Rental Surety
Savings Account or UBS Retirement Account (pillars 2 and 3)
• New clients during the first three months
Banking packages
Individual payments
products
CHF 30 per month60
59
60
61
62
27
For clients of financial intermediaries the conditions are shown on a separate price sheet.
The extra charge is debited monthly in the same way as any account maintenance fees/offering prices that are due. Depending
on the account debited, the notification will be sent at the time of the debit or at the latest with the mailing of the account
statement.
Total assets include the accumulated account and custody account assets held with UBS under the same client relationship
excluding UBS Vested Benefits Custody/Account and prepaid/credit card account assets. To qualify for exemption from fees,
the total assets booked at UBS in Switzerland must have been at least CHF 250,000 during the entire previous month.
The salary deposits must each have been equal to at least CHF 500 during the last three months and must be made to a CHF
or EUR account at UBS.
Prices/information
Bonus program
Digital Banking
Individual retirement
provision products
Additional charge
(valid for all individuals above age 20
who are domiciled outside Switzerland and
the Principality of Liechtenstein)59
Individual saving/
investing products
Domicile abroad
•
With our banking packages you benefit from the most important bank services for an attractive all-in fee
(free of charge for young people and students). You can achieve additional savings if you hold total assets
of at least CHF 10,000 with UBS or with a building financing or a mortgage at UBS and/or by switching
to e-documents
With the UBS Personal Account as an individual product you can benefit from reduced account maintenance
fees and payment services fees if you have total assets of at least CHF 10,000 or with a building financing
or a mortgage at UBS. By switching to e-documents you can benefit from an additional discount of CHF 2 on
the account maintenance fee
Cut costs and speed up delivery
•
•
•
E-documents in UBS e-banking
Receive your account statements, credit and debit advices, etc., as e-documents. This is quicker and more
environmentally friendly
Paperless invoices for your credit/prepaid card
Activate paperless statements in UBS e-banking, and save on costs and paper. Find out more at
ubs.com/paperless
Collective envelopes by post
With the monthly (or weekly) collective envelope, you receive payment advices and other non-time-critical
documents bundled together at the beginning of the month or week, usually with your account statement.
This means that you not only get a better overview, but you also save on shipping costs
You can obtain further information
•
•
28
Prices/information
Bonus program
Digital Banking
Individual retirement
provision products
•
On the Internet: ubs.com
Via UBS Service Line Private Clients: 0848 848 054
From your UBS client advisor or at a UBS branch: ubs.com/locations
Banking packages
•
Individual payments
products
All-in fees and other charge exemption options
Individual saving/
investing products
Further information
UBS Switzerland AG
P.O. Box
8098 Zurich
UBS Service Line Private Clients
0848 848 054
ubs.com
ab
© UBS 2017. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All rights reserved.
Also available in French, German and Italian. Published May 2017. 80001E
This publication is intended for information only. It is not intended
as a recommendation, an offer, a solicitation of an offer or as
legal or tax advice. Before making a decision, you should obtain
professional advice. UBS reserves the right to alter its services,
products or prices at any time without prior notice. Individual
services and products are subject to legal restrictions and hence
may not be offered throughout the world without restriction.
Complete or partial reproduction without explicit consent of UBS
is not permitted.