Provider profileLast checked 8 November 2026
UBS key4 business
A CHF business current account from UBS for start-ups, sole proprietors and SMEs, opened online as the UBS key4 business package with optional debit, prepaid and credit cards.
- Cheapest plan
- Free for the first year, then CHF 20 a quarter
- Available in
- Switzerland
- Your money
- Bank · esisuisse cover
What it is
UBS Switzerland AG, a wholly owned subsidiary of UBS Group AG, is licensed as a bank in Switzerland, subject to the Swiss Federal Banking Act and supervised by FINMA.
How your money is protected
UBS Switzerland AG is a member of esisuisse. Swiss depositor protection covers up to CHF 100,000 per customer per bank, with all accounts at the same bank added together.
Our e-money vs bank account guide explains what this means if a provider fails.
Who can open one
Start-ups, sole proprietorships and SMEs (AG, GmbH and other legal forms). You must be 18 or over, live in Switzerland and hold a passport or ID card from an approved country. Start-ups also need an AG with CHF 100,000 or a GmbH with CHF 20,000 capital, at least 25% of the shares and individual signing rights in the commercial register.
Headline fees
| Fee | Detail |
|---|---|
| Account management | CHF 20 a quarter (CHF 80 a year); free in the first year, and in the second year with Zurich SME insurance |
| UBS Debit Card | CHF 48 a year; free in the first year |
| UBS Prepaid or Credit Card | From CHF 50 a year; free in the first year |
| Electronic payments in Switzerland in CHF and EUR | No charge for up to 500 transactions a month, then CHF 0.30 per outgoing and CHF 0.20 per incoming |
| Electronic payments in Switzerland in other currencies | CHF 5 |
| Electronic payments abroad | SEPA no charge; non-SEPA CHF 5, excluding third-party charges |
| Instant payment surcharge | CHF 5 |
| CHF cash withdrawal at the UBS counter | CHF 2 |
| Credit and debit advices on paper | CHF 0.50 each, plus postage; free when paperless |
Limits worth knowing
- The 500 free electronic payments a month apply per client number; unused ones expire at the end of the month.
- Cash paid in at the counter is commission-free up to CHF 250,000 a quarter, then 1‰.
- Prices for domiciliary companies are on request.
How it compares
- Incard vs UBSFees, cashback, foreign currency, protection and eligibility side by side.
- UBS alternativesAccounts to look at if UBS doesn't cover what you need.
UBS against other accounts
See all the accounts we've researched.
Our pick for card spendIncard: 1% cashback on ads, software and travel, on a £0 plan
Our pick for UK and Swiss businesses whose main costs go on cards, as long as you don't need bank deposit protection.
Read Incard vs UBSWork out your cashbackCheck eligibility
We may earn a commission if you apply.
- a month on the Free plan, with team cards
- £0
- cashback on ads, software and travel; 0.5% on other eligible spend
- 1%
- IBANs in three currencies
- GBP, EUR, USD
Check UBS key4 business's current terms
Fees and eligibility can change. Confirm them on the provider's own site before you apply.
Sources
All checked on 8 November 2026. Where a provider's help centre or legal terms differ from its marketing pages, we follow the help centre and terms.