UBS key4 business: Digital Banking for SME clients

* Get an account and card free of charge in the first year and benefit from the free banking package in the second year too when you take out insurance with Zurich. Find out more.

Why UBS key4 business?

Whether startup, sole proprietorship or established company: we have the right solutions for your business, including attractive offers from our partners.

Save on fees

Free capital deposits account to start your business, as well as an account and card free of charge for up to two years.

Easier administration

Add authorized persons, digital signatures and simple accounting solutions.

Benefits from strong partners

Marketplace with exclusive partner offers such as discounts and free trial versions.

UBS key4 business at a glance

Become a client quickly and easily with digital onboarding
Special conditions for foreign currency payments in the first year
Stay financially flexible with UBS online credit

What is included?

The cost of your UBS key4 business depends on the products you select. The total price will be displayed at the end of the opening process.

Current Account

To carry out all your payment transactions – including all company transactions and investments.

Free of charge in the first year, then just CHF 80 per year
Optional: free in the second year when you take out insurance

Capital Deposit Account for founding an AG or GmbH

Free of charge only with us
Optional: free legal advice in the first year when you take out insurance

Corporate debit card

With our debit cards you can pay online, make contactless payments in stores at home and abroad, and withdraw cash worldwide.

Choose between UBS Visa Debit and UBS Mastercard Debit. Both meet our usual high security standards and offer the same functions.

Free of charge in the first year, then just CHF 4 per month
Free in the second year when you take out insurance

Business prepaid card

For start-ups and small businesses: no credit check required and easy to load via Digital Banking.

Free of charge in the first year, then only CHF 50 per year

Business Card

For SMEs looking to keep administrative costs low: simplified expense management, enhanced transparency and, if desired, insurance cover for business trips.

Free of charge in the first year, then only CHF 70 per year

Visa Corporate Card

Ideal for medium-sized and large companies: simplified expense and travel management, comprehensive insurance cover for business trips – available in CHF, EUR or USD.

Free of charge in the first year, then only CHF 100 per year

Foreign currency transactions

Special conditions with 0.85% margin for payments in foreign currencies.

Open UBS key4 business easily

Describe your company

Legal form, industry, number of employees: tell us more about your company and where you currently stand.

Select the products

Select the accounts and cards you want and add attractive products from our numerous partners.

Complete the opening process

Complete the opening process online and we will contact you to welcome you to UBS.

Configure now

No time to open an account right now?

No problem. We’ll send you an email reminder so you can open the account whenever you want.

Remind me later

Additional information

Partnership with Zurich Insurance

Thanks to our exclusive partnership with Zurich, you also receive:

Free personal insurance advice online, by phone or via video call
Free legal advice within the first year for start-ups
Up to 30% discount on insurance policies
Flexible contracts with annual right of termination
A strong partner with decades of insurance experience at your side
In the first and second year, bank fees worth up to CHF 260 are free of charge

What do you have to do?

If you are not yet a UBS client:

Open a bank account via UBS key4 business
Next, take out an SME insurance policy, via UBS key4 business or by phone (0848 77 11 22)

If you have opened a UBS Corporate Account within the last 12 months:

Take out at least one Zurich SME insurance policy online via the UBS marketplace, E-Banking or by phone (0848 77 11 22)

This way, your banking package will also be free of charge in the second year.

Zurich informs UBS about the insurance policy and when the insurance begins
After we check that the criteria have been met, you will also receive the banking package free of charge in the second year

Overview of insurance policies

Mandatory occupational pension (mandatory)
Ensure your financial freedom in retirement – and protect yourself and your employees against misfortunes such as disability.
Accident insurance (mandatory)
Insure yourself and your employees against accidents and occupational illnesses.
Coverage details
Supplementary accident insurance (recommended)
Optimize the benefits of mandatory accident insurance.
Coverage details
Daily sickness benefits insurance (recommended)
Compensation for continued payment of wages owed to employees on maternity or sick leave.
Coverage details
General liability (recommended)
Protect yourself against the financial consequences of claims for damages. Important e.g. for management consultancies.
Cyber insurance
Insure your company against production standstills and loss of client data.
Offer details

Not sure which insurance you need or would you like some personal advice? Call 0848 77 11 22 for free to talk to a dedicated team at Zurich who will be happy to assist.

Detailed information:

Factsheet Partnership with Zurich Insurance

FAQ

What are UBS key4 and UBS key4 business?

Our base digital offering for all SMEs is called UBS key4 business. As well as a free capital deposits account for founding an AG or GmbH, it includes a business account and card free of charge and special conditions for foreign currency transfers in the first year. The UBS key4 business marketplace also offers attractive discounts and products from our partners to make daily business life easier.

How do I open an account?

Set up your UBS key4 business online and select accounts, cards and additional products. We will then contact you to welcome you to UBS.

1. Describe your company

Legal form, industry, number of employees Tell us more about your company and where you currently stand.

2. Select the products

Select the accounts and cards you want and add attractive products from our numerous partners, for example.

3. We will contact you

Complete the opening process online and we will contact you to welcome you to UBS.

Can I open an account digitally in the evening and at weekends?

What are the requirements for opening UBS key4 business?

Minimum age 18 years
Residence in Switzerland

Passport or identity card from one of these countries

When founding a company:

Establishment of an AG with CHF 100,000 or a GmbH with CHF 20,000 of capital
Company name verified in the commercial register
You hold at least 25% of the company shares
Your name is entered in the commercial register with an individual signature

Technical requirements for installing and using the app:

Smartphone with camera
iPhone with iOS version 13.0 or higher
Smartphone with Android OS version 8.0 or higher

Find more information about the technical requirements

What are the special conditions for transfers in foreign currencies?

The conditions are valid for 12 months and apply to all individual transactions for amounts under 25,000 and to an annual volume of up to CHF 25,000.

0.85% margin for payments in foreign currencies (applies to induced FX transactions such as incoming and outgoing account payments in foreign currencies, currency swaps, account transfers, etc.)
For major currencies: AUD, CAD, CHF, DKK, EUR, GBP, HKD, JPY, NOK, NZD, SEK, SGD, USD
Forward margin surcharge possible