Banking packages and individual products

Transcription

1 Banking packages and individual products Services and prices for private clients, valid from January 1, 2018

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3 Contents Banking packages UBS Generation UBS Campus UBS Young Professional UBS Individual UBS Family Bonus program UBS KeyClub 9 UBS Digital Banking UBS e-banking/ubs Mobile Banking app UBS TWINT app UBS Safe Individual payments products UBS Personal Account UBS Personal Account EUR UBS Current Account for Private Clients Individual saving/investing products UBS Savings Account for Young People UBS Savings Account UBS Investment Fund Account UBS Time Deposit Account Individual retirement provision products UBS Fisca Account (Restricted Retirement Account 3a) UBS Vested Benefits Account Prices Prices for card and cash services Prices for payment services Prices for special services

4 UBS Generation Requirements Description Currency Package price Scope of package Conditions and additional information Additional services ubs.com/generation For young people aged 12 to 22. Parental consent is required for individuals under the age of 15 Open a banking package via app: ubs.com/open account 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 CHF UBS Personal Account Generation 1 (only one account per client) UBS Savings Account for Young People 1 (more than one possible) UBS Debit Card 1 (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) UBS Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 10 and 11 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 Benefit even more 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 Also available UBS Investment Fund Account at preferential conditions, see page 17 UBS Fisca Account, see page 19 UBS Personal Account Generation, see UBS Personal Account on page 12, 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 period 3, 4 Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged UBS Savings Account for Young People, see page 15 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 21 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 10 onward apply Automatic conversion into the Banking Package UBS Young Professional (see page 6) on the account holder s 22nd birthday 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 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, 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. 4

5 UBS Campus Requirements Description Currency Package price Scope of package Conditions and additional information Additional services ubs.com/campus 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 Open a banking package via app: ubs.com/open account 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 CHF UBS Personal Account Campus 5 (only one account per client) UBS Savings Account for Young People 5 (more than one possible) UBS Debit Card 5 (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) 6 and/or UBS Prepaid Card in CHF UBS Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 10 and 11 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 Benefit even more Welcome gift of CHF 40 in the form of KeyClub points Five-year LEGI membership with many attractive discounts, worth CHF 99, more at: LEGI.ch 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 Also available UBS Investment Fund Account at preferential conditions, see page 17 UBS Fisca Account, see page 19 UBS Personal Account Campus, see UBS Personal Account on page 12, 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 period 7, 8 Shipping costs/third-party charges: no shipping costs. Other third-party costs will be charged UBS Savings Account for Young People, see page 15 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 21 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 10 onward apply The package for students and postgraduates 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 6) after studies end or no later than when the account holder turns 30 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 5 These products are required components of the banking package. 6 Subject to fulfillment of issuing criteria and acceptance of card application. 7 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. 8 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 5

6 UBS Young Professional Requirements For young professionals aged 22 to 24 and recent graduates 9 up to age 32 for a maximum of 2 years Description Currency Package price Scope of package Conditions and additional information Additional services ubs.com/youngpro Open a banking package via app: ubs.com/open account 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 CHF Per month CHF 6 10 for total assets 11 from CHF 5,000 or by switching to e-documents Otherwise CHF 8 10 Payments can also be made using UBS KeyClub points Special offer in 1st year for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro UBS Personal Account in CHF 12 (only one account per client) UBS Savings Account in CHF 12 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 12 (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) 10, 12, 13 and/or UBS Prepaid Card 12 in CHF UBS Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 10 and 11 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 Benefit even more Welcome gift of CHF 40 in the form of KeyClub points Also available UBS Investment Fund Account at preferential conditions, see page 17 UBS Personal Account, see page 12 UBS Savings Account, see page 16 UBS Fisca Account, see page 19 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 21 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 10 onward apply Automatic conversion into the Banking Package UBS Individual (see page 7) 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) 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 9 Studies must have ended within the last two years. 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 for new clients or for existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro. 11 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). 12 These products are required components of the banking package. 13 Subject to fulfillment of issuing criteria and acceptance of card application. 6

7 UBS Individual Requirements Description Currency Package price Scope of package Conditions and additional information Additional services ubs.com/individual For individuals aged 24 and above Open a banking package via app: ubs.com/open account 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 CHF Per month CHF for total assets 15 from CHF 10,000 or with a building financing or a mortgage at UBS or CHF by switching to e-documents Otherwise CHF Payments can also be made using UBS KeyClub points Special offer in 1st year for new clients or existing UBS clients without a UBS Debit Card V PAY or a UBS Debit Card Maestro UBS Personal Account in CHF 16 (only one account per client) UBS Savings Account in CHF 16 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 16 (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) 14, 16, 17 and/or UBS Prepaid Card 16 in CHF UBS Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 10 and 11 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 UBS Personal Account, see page 12 UBS Savings Account, see page 16 UBS Fisca Account, see page 19 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 21 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 10 onward apply 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 14 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. 15 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). 16 These products are required components of the banking package. 17 Subject to fulfillment of issuing criteria and acceptance of card application. 7

8 UBS Family Requirements Description Currency Package price Scope of package Conditions and additional information Additional services ubs.com/family 18 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. 19 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. 20 These products are required components of the banking package. 21 Subject to fulfillment of issuing criteria and acceptance of card application. 8 For families and couples aged 20 and above (2 people living in the same household, with or without children) 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 CHF Per month CHF for total family assets 19 from CHF 10,000 or with a building financing or a mortgage at UBS or CHF by switching to e-documents Otherwise CHF Payments can also be made using UBS KeyClub points Special offer in 1st year 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 UBS Personal Account in CHF 20 (more than one possible) UBS Savings Account in CHF 20 (more than one possible) UBS Fisca Account (more than one possible) UBS Debit Card 20 (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) 18, 20, 21 and/or UBS Prepaid Cards 20 in CHF UBS Digital Banking (with UBS Safe, Basic or Classic subscription options), see pages 10 and 11 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 UBS Personal Account, see page 12 UBS Savings Account, see page 16 UBS Fisca Account, see page 19 UBS Savings Account for Young People, see page 15 UBS Investment Fund Account, see page 17 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 21 onward apply for services not included in the scope of the package Following termination of the banking package, the terms and conditions on page 10 onward apply 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

9 UBS KeyClub 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 Incoming payments on a UBS Personal Account 22 Payment with UBS Prepaid Card 22 Spending on UBS Credit/Prepaid Card (including cards in foreign 24, 25 currencies EUR/USD) UBS Generation UBS Campus 5 points per quarter for a minimum of 3 incoming payments 5 points per half year for a minimum of 10 payments 1 point per quarter for every CHF 100 spent (CHF 1,000 limit) UBS Young Professional 15 points per half year for a minimum of CHF 2,000 each month UBS Individual UBS Family 5 points 23 per half year for a minimum of CHF 4,000 each month 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 Benefit even more as a young person or student 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 conclusion of a package for young people or students: ubs.com/bringafriend ubs.com/keyclub ubs.com/keyclubestore 22 As part of a banking package. 23 Maximum 10 points on collective/joint accounts in the Banking Package UBS Family with two or more entries of at least CHF 4, 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. 25 These collection rules also apply to clients without a banking package. 9

10 UBS Digital Banking UBS e-banking/ubs Mobile Banking app Services at a glance 26 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.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 banking packages and of accounts; ordering of credit cards, debit cards and means of access to use UBS 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 11 Requirements Banking relationship with UBS and signed declaration on the use of UBS 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/ 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 ubs.com/twint 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, (rolling monthly limit over 30 days) CHF 4,000 (rolling monthly limit over 30 days) As for monthly limit A Swiss mobile phone number and account number as well as a credit or prepaid card 26 You can access individual functions only in e-banking or the Mobile Banking app. 27 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. 10

11 UBS Safe 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 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 Price per month For clients with a banking package or investment solution (UBS Advice, UBS Manage) For other clients Unlimited 30 MB 30 Unlimited 3 GB Unlimited CHF 5 per month Unlimited 30 GB Unlimited CHF 4 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 ubs.com/safe 11

12 UBS Personal Account Requirements Suitability Currency Interest rate/ interest payment limit Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements Account statements Interest calculations 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 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 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 assets 28 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 29, 30 period Overdraft: possible upon bank s approval, monthly; other alternatives possible, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 Certification, annually as at December 31 Credit and debit advices Shipping costs/ third-party expenses Services Remarks ubs.com/accounts 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 27 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro) or UBS Customer Card UBS Credit/Prepaid Cards UBS Digital Banking, see pages 10 and 11 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 21 onward apply for these services Free banking packages for young people and students are also available, see pages 4 and 5 For adults, the UBS Personal Account is already included in the banking packages for an attractive all-in fee, see pages 6 to 8 28 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 for the entire previous month. 29 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. 30 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 12

13 UBS Personal Account EUR Requirements Suitability Currency Interest rate/ interest payment limit/ deposit charge EUR Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements Account statements Interest calculations For people aged 12 and over For salary deposits and for processing all payment and securities transactions 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 assets 31 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 32, 33 period Overdraft: possible upon bank s approval, monthly; other alternatives possible, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 Certification, annually as at December 31 Credit and debit advices Shipping costs/ third-party expenses Services ubs.com/accounts 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 27 for details of how to avoid or minimize shipping costs UBS Debit Card (V PAY/Maestro) or UBS Customer Card UBS Credit Cards UBS Digital Banking, see pages 10 and 11 UBS Bancomat/UBS Bancomat Plus UBS Multimat Payment orders, e.g. LSV + (direct debit) The prices from page 21 onward apply for these services 31 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. 32 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. 33 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 13

14 UBS Current Account for Private Clients Requirements Suitability Currency Interest rate/ interest payment limit/ deposit charge EUR Withholding tax Opening/ closing an account Account maintenance Account statements Interest calculations Certification Credit and debit advices Shipping costs/ third-party expenses Services Remarks ubs.com/accounts For people aged 18 and over For more substantial personal payment and securities transactions 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 quarterly, monthly; other alternatives possible, annually as at December 31; quarterly if the net debit interest (debit interest less credit interest) is more than CHF 15 On request Normally no advice. All information is contained in the account statement. Available on request Are passed on and normally charged at the end of the calendar year. See page 27 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 UBS Digital Banking, see pages 10 and 11 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 21 onward apply for these services In CHF only available with a UBS Custody Account 14

15 UBS Savings Account for Young People Requirements Suitability Currency Interest rate/ interest payment limit Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements Account statements For children and young people up to 20 years of age 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 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 Maintenance fee of CHF 2 monthly for existing savings books 34, 35 CHF 50,000 per calendar year, for higher amounts three-month notice period, annually as at December 31; other alternatives possible Interest calculations, annually as at December 31 Certification, annually as at December 31 Credit and debit, monthly; other alternatives possible advices Shipping costs/ No shipping costs. Other third-party charges will be passed on third-party expenses 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 UBS Digital Banking, see pages 10 and 11 Topsy s world: ubs.com/topsy Remarks 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 4), the automatic conversion does not take place until the account holder turns 22 With the free Banking Package UBS Campus (see page 5), 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 24) We recommend that you use your UBS Personal Account for payments ubs.com/accounts 34 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 35 No notice period necessary for transfer to a UBS Investment Fund Account, UBS Fisca Account or UBS Time Deposit Account. 15

16 UBS Savings Account Requirements Suitability Currency Interest rate/ interest payment limit/ deposit charge EUR Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements Account statements In CHF for people aged 20 and above/in EUR for all age groups Personal savings 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 Maintenance fee of CHF 2 monthly for existing savings books (only for CHF) CHF 50,000/EUR 30,000 per calendar year, for higher amounts three-month notice 36, 37 period, annually as at December 31; other alternatives possible Interest calculations, annually as at December 31 Certification, annually as at December 31 Credit and debit, monthly; other alternatives possible advices Shipping costs/ third-party expenses Are passed on and normally charged at the end of the calendar year. See page 27 for details of how to avoid or minimize shipping costs Services UBS Digital Banking, see pages 10 and 11 UBS Bancomat/UBS Bancomat Plus UBS Multimat UBS BESR Quick payment slips (only for CHF) UBS Customer Card Remarks The UBS Savings Account in CHF is already included in the banking packages, see pages 6 to 8 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 24) 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 21) We recommend that you use your UBS Personal Account for payments and regular cash withdrawals ubs.com/accounts 36 If the withdrawal limit is exceeded without observing the notice period, 0.5% is automatically charged on the overdrawn amount. 37 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. 16

17 UBS Investment Fund Account (with associated UBS Investment Fund Custody Account) Requirements Suitability Currency Interest rate/ interest payment limit Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements For all age groups (for young bank clients 38 /young professionals 38 at preferential conditions) For asset accumulation with UBS Investment Funds 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 See under Remarks 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, for young bank clients 38 /young professionals 38 : 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, annually as at December 31 Certification Free fund account tax certificate, annually as at December 31 Credit and debit advices Shipping costs/ third-party expenses Services Remarks ubs.com/fundaccount Normally no advice Individual advice for each investment See under Remarks 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 clients 38 /young professionals 38 : CHF/EUR/USD 100) is reached. Preferable rate of interest on credit balances 39 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 UBS Digital Banking, see pages 10 and 11 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 clients 38 /young professionals 38 : 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 38 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. 39 Except for UBS Investment Fund Account in USD. 17

18 UBS Time Deposit Account Requirements Suitability Currency Interest rate/ interest payment limit Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements For people aged 18 and above For investments with a fixed interest rate and a high degree of security 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 Generally free of charge. Under certain circumstances, closing an account can give rise to extra costs that are chargeable to the client 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 Investment amount: from CHF/EUR 5,000 (rounded to the nearest cent) Term: from 1 year and 1 day up to 10 years UBS Digital Banking, see pages 10 and 11 Remarks Banking relationship with UBS required ubs.com/time-deposit-account 18

19 UBS Fisca Account (Restricted Retirement Account 3a) Requirements For people who pay AHV contributions Suitability Retirement plan for tax-deductible saving (pillar 3a) Currency CHF Interest rate/ interest payment limit Withholding tax Opening/ closing an account Account maintenance Withdrawal arrangements See separate overview, which you can obtain at UBS branch offices or access via the Internet at ubs.com/interest None, more than one account possible; the remarks set out under Withdrawal arrangements apply for payments and account closure Payment no earlier than 5 years prior to reaching normal AHV retirement age or in accordance with statutory or regulatory provisions Account statements, annually as at December 31 Interest calculations, annually as at December 31 Certification Free tax certificate, annually as at December 31 Credit and debit, monthly; other alternatives possible advices Shipping costs/ third-party expenses Services UBS Vitainvest Investment Funds in UBS Fisca Custody Account UBS Standing Order Fisca (free of charge) UBS Digital Banking, see pages 10 and 11 Remarks Financing owner-occupied residential property 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 6, 7 and 8 ubs.com/fisca 19

20 UBS Vested Benefits Account Requirements For people with assets from an occupational pension plan (pillar 2) Suitability Solution for maintaining an occupational pension plan Currency CHF Interest rate/ See separate overview, which you can obtain at UBS branch offices or access interest payment limit via the Internet at ubs.com/interest Withholding tax None Opening/ ; the remarks set out under Withdrawal arrangements apply for closing an account account closure Account maintenance Withdrawal Payment no earlier than 5 years prior to and no later than 5 years after reaching arrangements normal AHV retirement age or in accordance with statutory or regulatory provisions Account statements, annually as at December 31 Interest calculations, annually as at December 31 Certification Credit and debit advices Shipping costs/ third-party expenses Services Investments in UBS Vitainvest Investment Funds without issuing commission and custody account fees 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 ubs.com/vb 20

21 Prices for card and cash services UBS Debit Cards UBS Debit Card V PAY/ UBS Customer Card UBS Debit Card Maestro Owner card CHF 40 per year 40 Authorized representative card CHF 40 per year 41 Replacement card CHF 20 per card CHF 20 per card 42 Blocking Via UBS Helpline/client advisor Via UBS Digital Banking Cashless payments In Switzerland Abroad Cash deposits at UBS Bancomat Plus CHF CHF into a EUR account EUR into a CHF account EUR into a EUR account UBS counter CHF into a CHF account Foreign currencies into a CHF account EUR, USD, GBP into an account of the same currency 44 Coin deposit Cash withdrawals from UBS Bancomat CHF from a CHF account EUR from a CHF account EUR from a EUR account 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 currency 44 ATMs and counters of other banks 48 In Switzerland in CHF In Switzerland in EUR Abroad, in the applicable local currency CHF 40 per card 1% of the amount, at least CHF 1.50, UBS foreign exchange sell rate 43, UBS foreign exchange sell rate 43, UBS banknote buy rate 1% of the amount, 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, Available on request or CHF 5 per withdrawal 46 or CHF 5 per withdrawal 46, UBS banknote sell rate 1% of the amount; for a UBS Savings Account, see also footnote 46 Up to CHF 5,000: CHF 2 per withdrawal or free of charge 47 Over CHF 5,000: free of charge or CHF 5 per withdrawal 46 or CHF 5 per withdrawal 46, 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, ; for a UBS Savings Account, see also footnote 46 CHF 2 per withdrawal 40 1% of the amount, at least EUR 3.50, UBS foreign exchange sell rate 43 CHF 5 per withdrawal, UBS foreign exchange sell rate Included in all banking packages. 41 Included in the Banking Package UBS Family. 42 If previous card was in circulation for less than 2 years. 43 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. 44 Other currencies upon request. 45 On request for amounts higher than CHF 50, 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. 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. 47 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. 48 Third-party costs may be passed on to the cardholder. 21

22 UBS Credit/Prepaid Cards Two-card set In 1st year In each subsequent year Two-card set partner (per year) UBS Mastercard Prepaid CHF CHF UBS Visa Card and UBS Mastercard Classic/Standard Gold Platinum Special Edition 49 Available CHF CHF Available CHF CHF Available CHF CHF CHF CHF Included 52 Currency CHF CHF CHF CHF, EUR, USD 54 Replacement card CHF CHF With UBS Travel Insurance Plus Plus CHF 72 per year Included Monthly invoice In paper form 56 Paperless 57 or with an e-bill Cash withdrawals at ATMs or from a counter in Switzerland and abroad Lottery (except Swisslos/ Loterie Romande), betting and casino transactions (gambling) Currency conversions for transactions in foreign currencies CHF transactions abroad 60 Interest rate for payment in installments Card blocking Reimbursements of card balances CHF 1.80 / EUR 1.70 / USD 1.90 per invoice 4% of the amount, at least CHF 10 / EUR 8 / USD 10 per withdrawal 4%, maximum CHF 100 / EUR 100 / USD 100 per transaction UBS foreign exchange sell rate 58 or card organization rate 59 plus 1.75% processing surcharge 1.75% processing surcharge Annual interest rate of 12% 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 49 Prices also apply to UBS Optimus Foundation Charity cards. 50 with UBS Generation and UBS Campus (minimum age: 12 for prepaid card, 18 for credit card). Included in the price of other banking packages. 51 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. 52 Available for an additional charge of CHF 30 per month in the case of UBS Young Professional and UBS Individual/Family. 53 The partner card is included in the Banking Package UBS Family. 54 Partner cards are also available in a currency other than that of the main card. 55 if order is made via UBS e-banking or UBS Mobile Banking app. 56 For clients with UBS Retained Mail Service invoices in paper form are free of charge. 57 Paperless invoices can be activated in UBS e-banking or in the UBS Mobile Banking app. More at: ubs.com/paperless 58 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. 59 The exchange rate applied always includes a surcharge on the market rate obtained from the market-based counterparties. 60 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. 22

23 World Money Direct Order and delivery service for foreign currencies Banknotes (per order) CHF from a CHF account Foreign currencies from a CHF account EUR, USD from an account of the same currency Order amount (per order) At least Maximum Processing and dispatch (per order) 1.5% of the amount, at least CHF 30, maximum CHF 100 UBS banknote sell rate 61 1% of the amount CHF 100 or equivalent CHF 25,000 or equivalent 61 The exchange rate applied always includes a surcharge on the market rate. UBS acts as the counterparty and in its own interest. The maximum surcharges applied per banknote transaction can be found at ubs.com or obtained from Customer Services. 23