# UBS & UBS key4 — Mobile Banking

> Mobile banking app for UBS clients offering digital services and account management. (iPhone/iPad app by UBS AG.)

- Source: https://appshunter.io/ios/app/ubs-and-ubs-key4/id441068021 (this page in markdown: same URL + `.md`)
- Developer: [UBS AG](https://appshunter.io/developer/369153318)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 2,125 App Store ratings · 164 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 567 MB
- Languages: American English, French (France), German (Germany), Italian, European Portuguese, Chinese (Simplified, China), European Spanish
- Released: 2018-12-21
- Data updated: 2026-08-30
- Monetization: free
- User reviews in markdown: https://appshunter.io/ios/app/ubs-and-ubs-key4/id441068021/reviews.md

## What is UBS & UBS key4?

This is the UBS Mobile Banking App for all our UBS clients (excl. the United States and Australia) who can benefit from these digital services. 
Please note, that the available functionalities of our app may vary depending on your domicile. 

If you live in Switzerland, you can open directly via the app.
Do you meet the requirements to use our Mobile Banking App? 
•  You are client of a UBS Group company and benefit from UBS’s corresponding digital services. 

How secure is our Mobile Banking App? 
In short, UBS Mobile Banking provides state-of-the-art security. 
How? Our security concept protects you fourfold. We uniquely identify you with the Access App or Access Card. By defining security settings and activating real-time notifications, you can increase security even more. Furthermore, we use artificial intelligence to check certain transactions for irregularities. And we help you use the internet safely – see our security recommendations on ubs.com/security. 
Further information: 
UBS Switzerland AG and other non-US subsidiaries of UBS Group AG have made the UBS Mobile Banking App ("App") available exclusively to existing clients that benefit from these services with the exception of US and Australian clients. 
The fact that the App can be downloaded from the US or Australia and/or any other country’s App Store does not constitute a solicitation, offer or recommendation to enter into a transaction, nor is it to be understood as a solicitation or offer for a client relationship between the person downloading the App and UBS Switzerland AG or other non-US subsidiaries of UBS Group AG.

## Key features

- Digital private banking
- Business account setup
- State-of-the-art security
- Real-time notifications
- AI transaction monitoring

## What do users think of UBS & UBS key4?

Overall sentiment: negative

**Pros**

- 🔒 Secure and does what it needs to do
- 👍 Easy, clear, and user-friendly
- 🚀 Convenient to manage banking services and pay bills
- 💡 Excellent personalized customer services

**Cons**

- 🐛 Full of bugs
- 👎 Poor design and confusing user interface
- 🐢 Slow and unresponsive
- 🔌 Frequent app updates required
- 🔒 Complicated login and authentication process
- 🤔 Missing key features compared to website

**Commonly reported bugs**

- Frequent connectivity issues and app crashes
- eBill payment issues causing duplicate payments
- Accounts not showing up as expected based on settings
- Scan and pay functionality not working
- Login and authentication problems

**Most requested features**

- Ability to manage personal and business accounts in the same app
- Larger default font size for better accessibility
- Landscape mode support on iPad
- Ability to copy and paste in relevant fields
- More advanced charting and analytics for investments
- Reinstate QR code scanning for bill payments

## Recent user reviews (10 of 164)

All indexed reviews: https://appshunter.io/ios/app/ubs-and-ubs-key4/id441068021/reviews.md

### 1/5 — App never opens

*2026-07-24, version 26.07*

Whenever I try to login into this app, I always receive an error message saying I can’t access the app and should try after some time. If I try multiple time my account gets blocked for a few hours. Most frustrating experience!

### 5/5 — One of the best banking apps

*2026-07-20, version 26.07*

And most secure and user friendly, straightforward banking apps I ever used. Congratulations to the developers!

Only sorry that their sister app “safe” is only available to Swiss residents!

### 5/5 — Ms

*2026-06-30, version 26.06.1*

Easy to use

### 1/5 — Horrible UI/UX

*2026-06-11, version 26.05.2*

Possibly the most poorly built banking app I have encountered. All the most important information and functions (eg IBAN, Transfers) are a pain to do. This is a 300 year old wooden boat in an ocean with Virginia class submarines in terms of apps.

### 1/5 — So bad it makes me want to change banks

*2026-06-03, version 26.05.1*

so bad it makes me want to leave UBS after I was forced to migrate from CS. This app is the slowest banking app I have ever used (have had over 7 banking apps from Canada and Europe) and not as user friendly as Old CS one. Please fix the speed it’s wasting everyone’s lives, maybe ask the old CS developers?

### 5/5 — Good & Secure

*2026-05-12, version 26.04.0*

The app is fit for propose, it has struct a sweet spot between simplicity and security. Important updates are rolled out gently without interfering with its use.

### 5/5 — Me faut-il vraiment acheter un nouveau téléphone !!!!

*2026-05-07*

Bonjour, je comprends effectivement votre satisfaction à nous protéger. Mais dans notre monde de surconsommation, vous ne faites rien de positif car votre dernière mise à jour ne me permet plus d’utiliser mon iPhone 8+ plus alors qu’ils fonctionnent à merveille. Je tiens à vous signaler qu’une application reste plus efficace contre la fraude qu’un lien d’internet. Je ne vous félicite pas en tous cas.
Cordialement.

### 5/5 — Easy to use and very intuitive

*2026-04-30, version 26.04.0*

The app is user friendly and I am sure a lot of effort has gone into the design and the ergonomy

### 1/5 — Update needs new mobile??!!!

*2026-04-26, version 26.04.0*

I did prefer Credit S. as the app worked. I have been having problems and I do understand the swap had to take some time. But finely it worked and now I need update the app. Unfortunately I need to buy new mobile for it? Seriously? As my mobile is not good enough! That seems unfair!

### 1/5 — Forces frequent updates including iOS

*2026-04-25, version 26.2.1*

Forces frequent updates including iOS. I can’t access anything all of a sudden because of this.

## Frequently asked questions about UBS & UBS key4

### What does the UBS & UBS key4 app do?

The app provides digital banking services for existing UBS clients, excluding those in the United States and Australia. For clients in Switzerland, it allows for the direct opening of digital product lines like UBS key4 banking for private accounts and UBS key4 business for company formation.

### What are the key features of the UBS & UBS key4 app?

Key features include digital private banking, the ability to set up business accounts (SA or SARL) for Swiss residents, state-of-the-art security measures, real-time transaction notifications, and artificial intelligence for monitoring transactions for irregularities.

### Is the UBS & UBS key4 app free to use?

Based on the provided information, the app is available for free download and use. There is no mention of subscription fees or in-app purchases for accessing its core banking functionalities.

### What are the requirements to use the UBS & UBS key4 app?

To use the app, you need an iPhone with at least iOS version 15.0. You must also be an existing client of a UBS Group company and benefit from their corresponding digital services. Clients in the United States and Australia are excluded.

### How secure is the UBS & UBS key4 mobile banking app?

The app employs state-of-the-art security, including a four-part protection concept. This involves unique identification via the Access App or Access Card, customizable security settings, real-time notifications, and AI-driven monitoring of certain transactions for irregularities.

## Version history (last 5 releases)

### 26.07 — 2026-07-15

Small improvements and bug fixes.

### 26.06.1 — 2026-06-23

Small improvements and bug fixes.

### 26.06.0 — 2026-06-16

Small improvements and bug fixes.

### 26.05.2 — 2026-06-08

Small improvements and bug fixes.
Release notes: www.ubs.com/mobile-release-notes

### 26.05.1 — 2026-05-28

Small improvements and bug fixes.
Release notes: www.ubs.com/mobile-release-notes

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## More apps by UBS AG

- [UBS Neo](https://appshunter.io/ios/app/ubs-neo/id594477080)
- [UBS Neo FX](https://appshunter.io/ios/app/ubs-neo-fx/id893211196)
- [UBS Events](https://appshunter.io/ios/app/ubs-events/id924481692)
- [UBS Wealth Management](https://appshunter.io/ios/app/ubs-wealth-management/id952739938)
- [UBS TWINT](https://appshunter.io/ios/app/ubs-twint/id989192632)

All apps by UBS AG: https://appshunter.io/developer/369153318

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[ubs banking](https://appshunter.io/ios/topics/ubs-banking) · [apps for ubs financial services clients](https://appshunter.io/ios/topics/apps-for-ubs-financial-services-clients) · [ubci secure](https://appshunter.io/ios/topics/ubci-secure) · [ubs online services](https://appshunter.io/ios/topics/ubs-online-services) · [key4](https://appshunter.io/ios/topics/key4) · [ubs](https://appshunter.io/ios/topics/ubs) · [ubs financial services](https://appshunter.io/ios/topics/ubs-financial-services) · [ubs access](https://appshunter.io/ios/topics/ubs-access) · [ubs twint](https://appshunter.io/ios/topics/ubs-twint) · [credit suisse](https://appshunter.io/ios/topics/credit-suisse) · [ubs onesource](https://appshunter.io/ios/topics/ubs-onesource) · [credit suisse wm apac](https://appshunter.io/ios/topics/credit-suisse-wm-apac) · [usb bank](https://appshunter.io/ios/topics/usb-bank) · [ubd](https://appshunter.io/ios/topics/ubd)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-30.*