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Banking
packages and
individual
products
Services and prices for private clients,
valid from May 1, 2017
Banking packages
Page
Banking packages
UBS Generation 2
UBS Campus 3
UBS Young Professional 4

Individual payments
UBS Individual 5
UBS Family 6

Individual payments products

products
UBS Personal Account 8
UBS Personal Account EUR 9
UBS Current Account for Private Clients 10

Individual saving/investing products


UBS Savings Account for Young People 11
UBS Savings Account 12

investing products
UBS Investment Fund Account 13

Individual saving/
UBS Time Deposit Account 14

Individual retirement provision products


UBS Fisca Account (Restricted Retirement Account 3a) 15
UBS Vested Benefits Account 16

Digital Banking
UBS e-banking/UBS Mobile Banking app 18
UBS TWINT app 18

Individual retirement
UBS Safe 19

provision products
Bonus program
UBS KeyClub 20

Prices/information
Prices for payment services 22
Prices for card and cash services 24
Prices for special services 26
Further information 28

Digital Banking
Bonus program
Prices/information
1
UBS Generation the banking package

Banking packages
Open
g
a bankin p:
for young people package
ubs.com
via ap
/open
account
Condition For young people aged 12 to 22. Parental consent is required for individuals under the age of 15

Description 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

Individual payments
Currency CHF

Package price Free of charge

products
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

investing products
Individual saving/
Scope of package 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

Individual retirement
Payments in CHF in Switzerland from a UBS Personal Account Generation with UBS e-banking/

provision products
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

Conditions and additional information 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

Digital Banking
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
holders 22nd birthday

Additional services 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

Further information  ubs.com/generation

Bonus program
1 These products are required components of the banking package.
2 Subject to fulfillment of issuing criteria and acceptance of card application.
3 No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,

Prices/information
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.
4 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.

2
UBS Campus the banking package

Banking packages
Open
g
a bankin p:
for students package
ubs.com
via ap
/open
account
Condition 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

Description 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

Individual payments
Currency CHF

Package price Free of charge

products
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

investing products
Individual saving/
Scope of package 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

Individual retirement
Membership of UBS KeyClub bonus program with attractive offers

provision products
Also available:
UBS Investment Fund Account at preferential conditions, see page 13
UBS Fisca Account, see page 15

Conditions and additional information 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

Digital Banking
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

Additional services 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

Further information  ubs.com/campus

Bonus program
1 These products are required components of the banking package.
2 Subject to fulfillment of issuing criteria and acceptance of card application.
3 No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,

Prices/information
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.
4 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.

3
UBS Young Professional the banking

Banking packages
Open
g
a bankin p:
package for young professionals package
ubs.com
via ap
/open
account
Condition For young professionals aged 22 to 24 and recent graduates5 up to age 32 for a maximum of 2 years

Description 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

Individual payments
UBS KeyClub bonus program

Currency CHF

Package price Price per month (payments can also be made using UBS KeyClub points):

products
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

investing products
Individual saving/
Scope of package 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,

Individual retirement
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order

provision products
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 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

Digital Banking
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 holders
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)

Additional services 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

Further information  ubs.com/youngpro

Bonus program
5 Studies must have ended within the last two years.
6 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.
7 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,

Prices/information
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).
8 These products are required components of the banking package.
9 Subject to fulfillment of issuing criteria and acceptance of card application.

4
UBS Individual the banking package

Banking packages
Open
g
a bankin p:
for individuals package
ubs.com
via ap
/open
account
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

Individual payments
Currency CHF

Package price Price per month (payments can also be made using UBS KeyClub points):

products
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

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

investing products
Individual saving/
Scope of package 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,

Individual retirement
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order

provision products
Membership of UBS KeyClub bonus program with attractive offers

Conditions and additional information 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

Digital Banking
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

Additional services 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

Further information  ubs.com/individual

Bonus program
6 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.
7 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,

Prices/information
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).
8 These products are required components of the banking package.
9 Subject to fulfillment of issuing criteria and acceptance of card application.

5
UBS Family the banking package

Banking packages
for families and couples
Condition For families and couples aged 20 and above (2 people living in the same household, with or without children)

Description 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

Individual payments
membership of the UBS KeyClub bonus program

Currency CHF

Package price Price per month (payments can also be made using UBS KeyClub points):

products
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

investing products
Individual saving/
partner has a UBS Debit Card V PAY or a UBS Debit Card Maestro

Scope of package 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,

Individual retirement
UBS Multimat, LSV+ (direct debit), UBS easy and UBS Standing Order

provision products
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

Conditions and additional information 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

Digital Banking
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

Additional services 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

Further information  ubs.com/family

Bonus program
10 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.
11 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

Prices/information
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.
12 These products are required components of the banking package.
13 Subject to fulfillment of issuing criteria and acceptance of card application.

6
Banking packages
Page
Individual payments products
UBS Personal Account 8
UBS Personal Account EUR 9
UBS Current Account for Private Clients 10

Individual payments
Individual saving/investing products
UBS Savings Account for Young People 11
UBS Savings Account 12

products
UBS Investment Fund Account 13
UBS Time Deposit Account 14

Individual retirement provision products


UBS Fisca Account (Restricted Retirement Account 3a) 15
UBS Vested Benefits Account 16

investing products
Digital Banking

Individual saving/
UBS e-banking/UBS Mobile Banking app 18
UBS TWINT app 18
UBS Safe 19

Bonus program
UBS KeyClub 20

Prices/information

Individual retirement
Prices for payment services 22

provision products
Prices for card and cash services 24
Prices for special services 26
Further information 28

Digital Banking
Bonus program
Prices/information
7
UBS Personal Account

Banking packages
Condition 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
Suitability For salary or pension deposits and for processing all payment and securities transactions

Currency CHF

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/interest
Withholding tax 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year

products
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 closures are also subject to the conditions listed under Withdrawal
arrangements
Account maintenance 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

investing products
Individual saving/
Withdrawal arrangements CHF 100,000 per calendar month, for higher amounts three-month notice period 15, 16
Overdraft: possible upon banks approval

Account statements Free of charge, monthly; other alternatives possible


Interest calculations Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit
interest) is more than CHF 15
Certification Free of charge, annually as at December 31

Individual retirement
Credit and debit advices Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per

provision products
advice (on paper)
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
Services 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

Digital Banking
Remarks 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

Further information  ubs.com/accounts

Bonus program
14 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.
15 No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,

Prices/information
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.
16 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.

8
UBS Personal Account EUR

Banking packages
Condition For people aged 12 and over

Suitability For salary deposits and for processing all payment and securities transactions

Currency EUR

Individual payments
Interest rate/interest payment limit/ See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
deposit charge EUR or access via the Internet at ubs.com/interest
Withholding tax 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

products
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 closures are also subject to the conditions listed under Withdrawal
arrangements
Account maintenance 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

investing products
Individual saving/
Withdrawal arrangements EUR 60,000 per calendar month, for higher amounts three-month notice period 15, 16
Overdraft: possible upon banks approval

Account statements Free of charge, monthly; other alternatives possible


Interest calculations Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Certification Free of charge, annually as at December 31

Individual retirement
Credit and debit advices Normally no advice. All information is contained in the account statement. Available on request, CHF 1 per

provision products
advice (on paper)
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
Services 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
Remarks

Further information  ubs.com/accounts

Bonus program
14 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.
15 No notice period necessary for transfers to a UBS Fisca Account, UBS Investment Fund Account or UBS Time Deposit Account,

Prices/information
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.
16 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.

9
UBS Current Account for Private Clients

Banking packages
Condition For people aged 18 and over

Suitability For more substantial personal payment and securities transactions

Currency CHF and foreign currencies

Individual payments
Interest rate/interest payment limit/ See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
deposit charge EUR or access via the Internet at ubs.com/interest
Withholding tax 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

products
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 closures are also subject to the conditions listed under Withdrawal
arrangements
Account maintenance CHF 5 monthly, charged annually

investing products
Individual saving/
Withdrawal arrangements The total asset amount at all times

Account statements Free of charge, quarterly; other alternatives possible


Interest calculations Free of charge, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest)
is more than CHF 15
Certification On request

Individual retirement
Credit and debit advices Free of charge, monthly; other alternatives possible

provision products
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
Services 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

Digital Banking
Remarks In CHF only available with a UBS Custody Account

Further information  ubs.com/accounts

Bonus program
Prices/information
10
UBS Savings Account for Young People

Banking packages
Condition For children and young people up to 20 years of age

Suitability 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
Currency CHF

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/interest
Withholding tax 35% if the gross interest income is over CHF 200 or if the account is balanced more than once per calendar year

products
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 closures are also subject to the conditions listed under Withdrawal
arrangements
Account maintenance Free of charge
Maintenance fee of CHF 2 monthly for existing savings books

investing products
Individual saving/
Withdrawal arrangements CHF 50,000 per calendar year, for higher amounts three-month notice period 17, 18

Account statements Free of charge, annually as at December 31; other alternatives possible
Interest calculations Free of charge, annually as at December 31

Certification Free of charge, annually as at December 31

Individual retirement
Credit and debit advices Free of charge, monthly; other alternatives possible

provision products
Shipping costs/third-party expenses No shipping costs. Other third-party charges will be passed on

Services 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
Topsys world: ubs.com/topsy

Digital Banking
Remarks When opened as a gift savings account, the UBS Savings Account for Young People is always in the childs
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

Further information  ubs.com/accounts

Bonus program
Prices/information
17 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
18 No notice period necessary for transfer to a UBS Investment Fund Account, UBS Fisca Account or UBS Time Deposit Account.

11
UBS Savings Account

Banking packages
Condition In CHF for people aged 20 and above / in EUR for all age groups

Suitability Personal savings

Currency CHF and EUR

Individual payments
Interest rate/interest payment limit/ See separate overview for current interest rates and deposit charges, which you can obtain at UBS branch offices
deposit charge EUR or access via the Internet at ubs.com/interest
Withholding tax 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

products
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 closures are also subject to the conditions listed under Withdrawal
arrangements
Account maintenance Free of charge
Maintenance fee of CHF 2 monthly for existing savings books (only for CHF)

investing products
Individual saving/
Withdrawal arrangements CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice period19, 20

Account statements Free of charge, annually as at December 31; other alternatives possible
Interest calculations Free of charge, annually as at December 31

Certification Free of charge, annually as at December 31

Individual retirement
Credit and debit advices Free of charge, monthly; other alternatives possible

provision products
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
Services 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

Digital Banking
Remarks 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

Further information  ubs.com/accounts

Bonus program
Prices/information
19 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn
amount.
20 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.

12
UBS Investment Fund Account (with associated

Banking packages
UBS Investment Fund Custody Account)
Condition For all age groups (for young bank clients21/young professionals21 at preferential conditions)

Suitability For asset accumulation with UBS Investment Funds

Currency CHF/EUR/USD

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/interest
Withholding tax 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

products
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 See under Remarks

investing products
Individual saving/
Withdrawal arrangements 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

Account statements Free fund account statement, annually as at December 31


Interest calculations Free of charge, annually as at December 31

Certification Free fund account tax certificate, annually as at December 31

Individual retirement
Credit and debit advices Normally no advice

provision products
Individual advice for each investment

Shipping costs/third-party expenses See under Remarks

Services 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

Digital Banking
Remarks 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 childs name. The right of
disposal is transferred to the young person no later than when he/she has reached the age of majority

Further information  ubs.com/fundaccount

Bonus program
Prices/information
21 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.
22 Except for UBS Investment Fund Account in USD.

13
UBS Time Deposit Account

Banking packages
Condition For people aged 18 and above

Suitability For investments with a fixed interest rate and a high degree of security

Currency CHF/EUR

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/time-deposit-account
Withholding tax 35% of gross interest income

products
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

investing products
Individual saving/
Withdrawal arrangements None (exceptionally on request)

Account statements
Interest calculations Annually from date money is deposited or as at December 31

Certification

Individual retirement
Credit and debit advices

provision products
Shipping costs/third-party expenses

Services 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

Digital Banking
Remarks Banking relationship with UBS required

Further information  ubs.com/time-deposit-account

Bonus program
Prices/information
14
UBS Fisca Account (Restricted Retirement

Banking packages
Account 3a)
Condition For people who pay AHV contributions

Suitability Retirement plan for tax-deductible saving (pillar 3a)

Currency CHF

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/interest
Withholding tax None

products
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

investing products
Individual saving/
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 Free of charge, annually as at December 31


Interest calculations Free of charge, annually as at December 31

Certification Free tax certificate, annually as at December 31

Individual retirement
Credit and debit advices Free of charge, monthly; other alternatives possible

provision products
Shipping costs/third-party expenses Free of charge

Services UBS Vitainvest Investment Funds in UBS Fisca Custody Account


UBS Standing Order Fisca (free of charge)
Digital Banking, see pages 18 and 19

Digital Banking
Remarks 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  ubs.com/fisca

Bonus program
Prices/information
15
UBS Vested Benefits Account

Banking packages
Condition For people with assets from an occupational pension plan (pillar 2)

Suitability Solution for maintaining an occupational pension plan

Currency CHF

Individual payments
Interest rate/interest payment limit/ See separate overview, which you can obtain at UBS branch offices or access via the Internet at
deposit charge EUR ubs.com/interest
Withholding tax None

products
Opening/closing an account Free of charge; the remarks set out under Withdrawal arrangements apply for account closure

Account maintenance Free of charge

investing products
Individual saving/
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 Free of charge, annually as at December 31


Interest calculations Free of charge, annually as at December 31

Certification

Individual retirement
Credit and debit advices Free of charge

provision products
Shipping costs/third-party expenses Free of charge

Services Investments in UBS Vitainvest Investment Funds without issuing commission and custody account fees

Digital Banking
Remarks 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

Further information  ubs.com/vestedbenefits-private

Bonus program
Prices/information
16
Banking packages
Page
Digital Banking
UBS e-banking/UBS Mobile Banking app 18
UBS TWINT app 18
UBS Safe 19

Individual payments
Bonus program
UBS KeyClub 20

products
Prices/information
Prices for payment services 22
Prices for card and cash services 24
Prices for special services 26
Further information 28

investing products
Individual saving/
Individual retirement
provision products
Digital Banking
Bonus program
Prices/information
17
Digital Banking

Banking packages
UBS e-banking/UBS Mobile Banking app
Services at a glance23 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

Individual payments
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

products
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

investing products
Offers: opening of accounts; ordering of credit cards, debit cards and

Individual saving/

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
Requirements Banking relationship with UBS and signed declaration on the use of
Digital Banking
Means of access UBS Access app: log-in via app with PIN free of charge
Access Card: first card free of charge, replacement/

Individual retirement
additional card CHF 10 (incl. VAT)

provision products
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)
Further information  ubs.com/digital

UBS TWINT app


Services at a glance 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

Digital Banking
Limits
With a UBS account,
UBS Credit/Prepaid Cards
Limit on amounts sent Up to CHF 3,00024 (rolling monthly limit over 30 days)
Limit on amounts received CHF 4,000 (rolling monthly limit over 30 days)
Maximum transaction amount
For payments sent, requested or As for monthly limit
received
Requirements A Swiss mobile phone number and account number as well as a credit or
prepaid card

Bonus program
Further information  ubs.com/twint

Prices/information
23 You can access individual functions only in e-banking or the Mobile Banking app.
24 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.

18
Banking packages
UBS Safe
Services at a glance Secure safekeeping of personal documents
Automatic delivery and unlimited safekeeping of bank documents
(e-documents)
Administration and consultation of passwords

Individual payments
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

products
For banking documents Unlimited Unlimited Unlimited
For personal documents 30 MB 3 GB 30 GB
Number of passwords 30 Unlimited Unlimited
Costs per month
For clients with a banking Free of charge Free of charge CHF 4 per month
package or investment solution
(UBS Advice, UBS Manage)

investing products
Individual saving/
For other clients Free of charge CHF 5 per month CHF 9 per month
Requirements Banking relationship with UBS and UBS e-banking contract and
domicile in Switzerland
Initial activation via UBS e-banking
Further information  ubs.com/safe

Individual retirement
provision products
Digital Banking
Bonus program
Prices/information
19
UBS KeyClub

Banking packages
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

Collection rules

Individual payments
UBS Generation UBS Young UBS Individual
UBS Campus Professional UBS Family
Incoming payments on a 5 points per quarter 15 points per half 5 points26 per half

products
UBS Personal Account25 for a minimum of year for a minimum year for a minimum
3 incoming payments of CHF 2,000 each of CHF 4,000 each
month month
Payment with UBS Prepaid Card25 5 points per half year
for a minimum of
10 payments
Spending on UBS Credit/Prepaid 1 point per quarter UBS Prepaid Card and UBS Credit Card

investing products
Individual saving/
Card (including cards in foreign for every CHF 100 Classic/Standard, Special Edition 3 points,
currencies EUR/USD)27, 28 spent Gold 6 points, Platinum 9 points for every
(CHF 1,000 limit) CHF 1,000 spent

As a young person or student, you benefit even more


Opening a package for young people, 40 points as a welcome gift
students or young professionals:
ubs.com/banking-packages
Referring a new client with the 25 points per new client

Individual retirement
conclusion of a package for young

provision products
people or students:
ubs.com/bringafriend

Further information  ubs.com/keyclub


 ubs.com/keyclubestore

Digital Banking
Bonus program
25 As part of a banking package.
26 Maximum 10 points on collective/joint accounts in the Banking Package UBS Family with two or more entries of at least

Prices/information
CHF 4,000.
27 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.
28 These collection rules also apply to clients without a banking package.

20
21
Further information
Prices/information

Prices for special services


Prices for payment services
Prices for card and cash services

28
26
24
22
Page

Prices/information Bonus program Digital Banking Individual retirement Individual saving/ Individual payments Banking packages
provision products investing products products
Prices for payment services

Banking packages
Outgoing payments
Prices in CHF and per Domestic payments Foreign
payment29, charged on a payments
monthly basis
CHF with CHF without EUR Other All

Individual payments
a banking a banking foreign currencies32
package30 package or currencies
or a fee fee exemp-
exemption31 tion for
for individual individual

products
products products
Electronic order
Digital Banking/UBS Multimat
Single payment order, Free of charge CHF 0.30 CHF 0.30 CHF 5 CHF 5
standing order
SEPA payments CHF 0.3033
Abroad extra payments CHF 10 incl.
third-party

investing products
Individual saving/
charges
Direct debit
LSV+ Free of charge CHF 0.30 CHF 0.30
SEPA direct debit CHF 0.30 CHF 0.3033
Paper-based order
UBS easy
Per payment slip Free of charge CHF 0.50
UBS easy international
Per payment slip Free of charge CHF 0.50 CHF 4

Individual retirement
Per IPI payment slip CHF 2 CHF 2 CHF 4 CHF 10 CHF 10

provision products
UBS Standing Order Free of charge CHF 0.50 CHF 2 CHF 5 CHF 5
UBS Special Standing Order Free of charge CHF 0.50
UBS Standing Order Fisca Free of charge Free of charge
UBS global CHF 2 CHF 2 CHF 4 CHF 10 CHF 10
One-time order34 by letter/ CHF 35 CHF 35 CHF 35 CHF 35 CHF 60
telephone/fax
Other
For payments from the Additional charge of CHF 5 on all the above prices; domestic payments
UBS Savings Account for in CHF from the savings account for young people/savings account
Young People/ are not included in the banking package and there is no fee exemption
UBS Savings Account on individual products
Account transfers35 Free of charge under the same banking relationship

Digital Banking
Incoming payments
Credit to UBS Account Free of charge36
(from Switzerland and abroad)

Bonus program
29 For collective orders, the prices are calculated per executed payment.
30 Only for payments from UBS Personal Accounts.
31 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.
32 All prices exclude third-party charges.
33 In EUR only.
34 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.

Prices/information
35 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.
36 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.

22
Banking packages
Other costs
Outgoing payments
Cost options for foreign payments
All costs to be borne by the ordering client (OUR) The ordering client pays the UBS costs and a third-
party flat rate fee of CHF 20, which covers all

Individual payments
additional costs until credited to the beneficiary
bank
Breakdown of costs (SHA)37 The ordering client pays the UBS costs and the
beneficiary pays the third-party charges, which are

products
deducted from the transfer amount
All costs to be borne by the beneficiary (BEN) The beneficiary pays the UBS costs and the third-
party 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

investing products
Individual saving/
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

Individual retirement
payments (rejects), etc. are generally passed on

provision products
to the client
For payments in EUR to an EU/EEA country with-
out an IBAN, the ordering client incurs a charge
of CHF 8. SEPA payments do not incur any third-
party 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 CHF 120 per hour
the bank was not at fault
Producing and mailing extra copies/ CHF 10 for confirmation by letter
payment confirmations CHF 50 for confirmation by fax (fax agreement

Digital Banking
with UBS required)

Ordering forms
Payment forms Free of charge
UBS BESR Quick Free of charge
(bank payment slip with reference number)
UBS red payment slip CHF 0.20 per slip (plus VAT)

Bonus program
Prices/information
37 The option Breakdown of costs (SHA) is used as the default if no other cost option is selected.
38 The costs charged by the banks involved are already included in the incoming amount.

23
Prices for card and cash services

Banking packages
UBS Debit Cards
UBS Debit Card V PAY/ UBS Customer Card
UBS Debit Card Maestro
Owner card CHF 40 per year39 Free of charge

Individual payments
Authorized representative card CHF 40 per year40 Free of charge
Replacement card CHF 20 per card CHF 20 per card41
Blocking
Via UBS Helpline/client advisor CHF 40 per card Free of charge

products
Via Digital Banking Free of charge
Cashless payments
In Switzerland Free of charge
Abroad 1% of the amount, at least CHF 1.50, UBS foreign exchange sell rate42
Cash deposits at
UBS Bancomat Plus
CHF Free of charge

investing products
Individual saving/
CHF into a EUR account Free of charge, UBS foreign exchange sell rate
EUR into a CHF account Free of charge, UBS banknote buy rate
EUR into a EUR account 1% of the amount
UBS counter
CHF into a CHF account Free of charge
Foreign currencies into a CHF account Free of charge, UBS banknote buy rate
EUR, USD, GBP into an account of 2% of the amount, up to an equivalent of CHF 1,000
the same currency43 1% for larger amounts, up to an equivalent of CHF 50,00044
Coin deposit Available on request

Individual retirement
Cash withdrawals from

provision products
UBS Bancomat
CHF from a CHF account Free of charge or CHF 5 per withdrawal45
EUR from a CHF account Free of charge or CHF 5 per withdrawal45, UBS banknote sell rate
EUR from a EUR account 1% of the amount; for a UBS Savings Account, see also footnote 45
UBS counter
CHF from a UBS Personal Account Up to CHF 5,000: CHF 2 per withdrawal or free of charge46
in CHF Over CHF 5,000: free of charge
CHF from a UBS Savings Account Free of charge or CHF 5 per withdrawal45
CHF from all other accounts Free of charge
Foreign currencies from a CHF account Free of charge or CHF 5 per withdrawal45, UBS banknote sell rate
EUR, USD, GBP from an account of 2% of the amount, up to an equivalent of CHF 1,000
the same currency43 1% for larger amounts, up to an equivalent of CHF 50,00044;
for a UBS Savings Account, see also footnote 45

Digital Banking
ATMs and counters of other banks47
In Switzerland in CHF CHF 2 per withdrawal39
In Switzerland in EUR 1% of the amount, at least EUR 3.50, UBS foreign exchange sell rate42
Abroad, in the applicable local currency CHF 5 per withdrawal, UBS foreign exchange sell rate42

Bonus program
39 Included in all banking packages.
40 Included in the Banking Package UBS Family.
41 If previous card was in circulation for less than 2 years.
42 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.
43 Other currencies upon request.
44 On request for amounts higher than CHF 50,000.
45 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.
46 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

Prices/information
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.
47 Third-party costs may be passed on to the cardholder.

24
Banking packages
UBS Credit/Prepaid Cards
UBS Mastercard UBS Visa Card and UBS Mastercard
Prepaid
Classic/Standard Gold Platinum
Special Edition48

Individual payments
Two-card set Available Available Available
In 1st year CHF 5049 CHF 5049 CHF 10050 CHF 25051
In each subsequent year CHF 5049 CHF 10049 CHF 20050 CHF 50051
Two-card set partner CHF 2552 CHF 5050 Included51

products
(per year)
Currency CHF CHF CHF CHF, EUR, USD53
Replacement card CHF 2054 CHF 2054 Free of charge Free of charge
With UBS Travel Insurance Plus CHF 72 per year Included
Plus
Monthly invoice

investing products
Individual saving/
In paper form55 CHF 1.80 / EUR 1.70 / USD 1.90 per invoice Free of charge
Paperless56 or with an e-bill Free of charge Free of charge
Cash withdrawals at ATMs 4% of the amount, at least CHF 10 / EUR 8 / USD 10 per withdrawal
or from a counter in Switzer-
land and abroad
Lottery (except Swisslos/ 4%, maximum CHF 100 / EUR 100 / USD 100 per transaction
Loterie Romande), betting
and casino transactions
(gambling)

Individual retirement
Currency conversions for UBS foreign exchange sell rate42 or card organization rate57

provision products
transactions in foreign plus 1.75% processing surcharge
currencies
CHF transactions abroad58 1.75% processing surcharge
Interest rate for payment in Annual interest rate of 12%
installments
Card blocking Free of charge
Reimbursements of card CHF 20
balances
Reminder fees CHF 30 to CHF 60
Passing on of third-party All third-party costs incurred (e.g. postage costs, fees for payments at post

Digital Banking
costs 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

Bonus program
48 Prices also apply to UBS Optimus Foundation Charity cards.
49 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.
50 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.
51 Available for an additional charge of CHF 30 per month in the case of UBS Young Professional and UBS Individual/Family.
52 The partner card is included in the Banking Package UBS Family.
53 Partner cards are also available in a currency other than that of the main card.
54 Free of charge if order is made via UBS e-banking or UBS Mobile Banking app.
55 For clients with UBS Retained Mail Service invoices in paper form are free of charge.
56 Paperless invoices can be activated in UBS e-banking. Find out more at ubs.com/paperless.

Prices/information
57 The exchange rate applied always includes a surcharge on the market rate obtained from the market-based counterparties.
58 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.

25
Prices for special services

Banking packages
Check transactions
Issuing check
Correspondence check
Payable against a UBS Account CHF 10 per check
Check forms CHF 1 per check

Individual payments
Bank check (issued by UBS)
Sent to client in Switzerland by registered mail CHF 50 per check
Sent to client in Switzerland by courier CHF 100 per check
Sent to client abroad CHF 100 per check

products
Stop notice on check
Correspondence check CHF 50 per check
Bank check CHF 100 per check (excl. third-party costs)
Check credited to account
Under usual reserve
Payable at domestic bank CHF 20 per check
Payable at foreign bank CHF 20 per check

investing products
Individual saving/
Travelers checks
In CHF Free of charge
In foreign currency CHF 5 per check
After final payment
Payable at domestic bank CHF 30 per check
Payable at foreign bank 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

Individual retirement
provision products
Other charges
UBS Numbered Account Relationship CHF 480 per quarter
UBS Retained Mail Service CHF 240 per quarter (plus VAT)
Surcharge for dispatch of UBS Retained Mail CHF 150 per year (plus VAT)
Cost for courier dispatch of documents CHF 100 per year (plus VAT)
in special circumstances
UBS Safe Deposit Box Upon request
Surcharge for domiciliary companies Upon request

Digital Banking
Bonus program
Prices/information
26
Banking packages
Domicile abroad
Additional charge CHF 30 per month60
(valid for all individuals above age 20
who are domiciled outside Switzerland and The additional charge will not apply in the following cases:
the Principality of Liechtenstein)59 Client relationships with total assets61 booked at UBS in

Individual payments
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

products
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

investing products
Savings Account or UBS Retirement Account (pillars 2 and 3)

Individual saving/
New clients during the first three months

Individual retirement
provision products
Digital Banking
Bonus program
59 For clients of financial intermediaries the conditions are shown on a separate price sheet.
60 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.
61 Total assets include the accumulated account and custody account assets held with UBS under the same client relationship

Prices/information
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.
62 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.

27
Further information

Banking packages
All-in fees and other charge exemption options
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

Individual payments
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

products
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

investing products
Individual saving/
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


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

Individual retirement
provision products
Digital Banking
Bonus program
Prices/information
28
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.

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
UBS Switzerland AG
P.O. Box
8098 Zurich

UBS Service Line Private Clients


0848 848 054

ubs.com

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