UBS key4: UBS's Digital Offering for Accounts and Cards

UBS is the largest universal bank in Switzerland and a major global financial institution. With its vast range of services, spanning from Private Banking to wealth management, from business services to mortgages, UBS has always positioned itself as a key player in the banking landscape. In recent years, to meet the growing demand for digital services, UBS launched UBS key4, a line of fully digital products that allows you to manage your banking operations simply and conveniently, directly via smartphone or computer. UBS key4 is aimed at clients who seek the reliability of a traditional bank, combined with the flexibility and transparency of neobanks. The offer is particularly attractive for young people, students, and anyone who wants a modern and accessible banking experience.

UBS key4 Current and Savings Accounts

The core of the key4 offer is the digital banking package, which includes current and savings accounts. The account opening process is simple and fast, done directly through the UBS app.

• Private Bank Account: The basic current account of UBS key4 is the ideal solution for daily money management, such as salary crediting, paying bills (including QR-bills), and everyday expenses.

• Savings Account: Paired with the private account, the savings account allows you to set aside money and let it grow, with the possibility of accessing products like the "sustainable savings account." 

A distinctive feature of UBS key4 is its modular offering. You can choose between different packages like key4 banking Pure, which is the free option with essential services, or key4 banking Prime, which includes premium services and costs a monthly fee. The packages are designed to adapt to different needs, from young people to professionals.

UBS key4 Debit and Credit Cards

UBS key4 includes various card options, designed to meet all payment needs, both in Switzerland and abroad.

• UBS Debit Mastercard/Visa Debit: This debit card is included in the key4 packages and allows you to make online and in-store purchases and withdraw cash. Foreign currency transactions are made at competitive exchange rates, making it an excellent travel companion.

• UBS key4 Credit Cards: For those seeking greater flexibility, UBS offers credit cards under the key4 brand. These cards offer all the advantages of traditional credit cards, such as the UBS KeyClub bonus program, which allows you to collect points to convert into rewards or discounts, and travel insurance. The offer varies between standard and premium cards, with different annual fees and benefits. It's important to note that the card offer may vary depending on the chosen key4 package.

Advantages and Disadvantages of UBS key4

To help you make an informed choice, here is a summary of the main pros and cons of relying on UBS key4:

Advantages:

• Reliability and Solvency: The key4 offer is backed by the financial solidity and global reputation of UBS.

• Digitalization and Flexibility: The entire account opening process and daily management are done simply via the app.

• Flexible Costs: The choice between free or paid packages allows you to adapt costs to the desired services.

• Access to a Universal Bank: As a UBS product, key4 offers easy access to other bank services, such as mortgages or investments.

• Rewards Program: The KeyClub program allows you to accumulate points and benefit from discounts and offers.

Disadvantages:

• Additional Costs: Some services, such as cash withdrawals from third-party ATMs or sending paper documents, can incur additional costs, even in the free packages.

• Fewer Free Services Compared to Pure Neobanks: Free withdrawals abroad may be limited compared to purely digital banks.

• User Interface: Although modern, the app might be less streamlined than those of some neobanks specializing only in mobile banking.

Contacting UBS key4: how to reach UBS key4's customer service

If you need assistance or would like more information, you can contact UBS through its main channels:

• Phone: +41 800 803 803

• Online Banking and App: Customer support is integrated into the digital services.

• Branches: As a UBS product, key4 clients have access to the bank's extensive network of branches and counters for personal consultations.

UBS key4 Headquarters and Addresses

As a digital service of UBS, key4 does not have dedicated physical locations. Clients who wish to have in-person contact can refer to the vast network of UBS branches and counters throughout Switzerland.

• UBS Switzerland Headquarters: UBS AG, Bahnhofstrasse 45, 8001 Zurich, Switzerland

• Other Locations/Branches: UBS has a widespread network of branches and ATMs throughout Switzerland. To find the nearest branch and its specific address, it is advisable to use the branch locator available on the official UBS website.