UBS Access vs Swatch Pay
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
UBS Access
Securely log in to digital banking services and confirm online payments and new payees. Receive important security-related notifications to protect your accounts. Offers multiple layers of security for peace of mind.
- Secure login to E-Banking and Mobile Banking
- Confirm online payments and new payees
- Receive security-related event notifications
- PIN and biometric authentication
- Smartphone security checks
- Multi-level data transmission protection
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With the UBS Access App you can log in to E-Eanking and the Mobile Banking App easily and securely. The UBS Access App also allows you to confirm new payees and online purchases made using credit or prepaid card, and it informs you about security-related events. 1. Log in easily to Digital Banking - E-Banking: Open the login page, scan the QR code with the Access App, enter your PIN or use biometrics and you’ll be immediately and securely logged in to E-Banking. - Mobile Banking: Launch the Mobile Banking App and select “Access App” as the login method. Afterwards, you can easily and securely log in using a PIN or biometrics. 2. Approve online payments securely - When you make online payments by credit or prepaid card, you will receive a push notification and can simply confirm the payment. - The highest standards in security reduce the risk of fraud. 3. Confirm new payees - Unblock the Access App with a PIN or using biometrics, check payees and approve payments. 4. Receive security messages - Receive information concerning security-related events such as changes to your security settings or contact details. Using the UBS Access App is this secure: - A PIN of your choice protects the Access App – even if you lose your smartphone. - The Access App always checks the security of your smartphone before you log in to Digital Banking. - The security code for the login is calculated automatically and transferred directly to UBS. Data transmission is protected by multi-level security. - The Access App is always up-to-date and offers optimum protection. - Set up biometrics to log in more easily and to confirm new payees. UBS Switzerland AG and other non-US affiliated companies of UBS Group AG only make the use of the UBS Access App (“App”) available to existing clients of UBS Switzerland AG and of other non-US affiliated companies of UBS Group AG. Other persons are not permitted to use the App. The App is not intended for US persons nor persons domiciled in Australia. The provision of the App for download in the Apple App Store does not constitute a solicitation, offer or recommendation to enter into any transaction, nor is it to be understood as a solicitation or offer to establish a client relationship between the person who downloads the App and UBS Switzerland AG or other non-US affiliated companies of UBS Group AG. Requirements: Banking relationship at UBS Switzerland AG, UBS Europe SE (Germany, Italy) or UBS AG (Hong Kong, Singapore) with Digital Banking contract: For activation, you will need a mobile number stored in Digital Banking for security messages. Enter this mobile number in the profile of your Mobile Banking App: Tap on your name and go to "Phone". You can also do this in E-Banking via your profile: In "My contact details" click on the pencil symbol and then "Phone numbers". Please enter your phone number without the initial 0 and modify the country code if you do not have a Swiss mobile number. Banking relationship at UBS Europe SE (UK, France, Monaco or Luxembourg): For activation, you will need a saved mobile number. Please contact your client advisor to set this up. Banking relationship at UBS Europe SE (Jersey) with a "Digital Banking" contract: For activation, you will need an Access Card with card reader or an Access Card Display. The range of functions may differ depending on the country. We hope you will enjoy using the UBS Access App. We look forward to receiving your feedback and your rating in the Apple App Store.
Swatch Pay
This app allows you to link your payment card to your compatible watch for contactless payments. Track your transactions and manage your payment functions securely and conveniently from your smartphone.
- Link payment cards to watch
- Contactless payments
- Track payment history
- Suspend/delete payment function
- Secure payment verification
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Your Swatch watch just got even cooler! Thanks to Swatch Pay, making contactless payments is super-stylish and easy. It’s the ultimate blend of convenience and self-expression. Setting up your Swatch Pay is a breeze with our app. Just link your payment card to your Swatch Pay watch using the app and you’re good to go! Leave your wallet at home, because all you need is your Swatch Pay watch for secure, hassle-free payments wherever you are. Here's why you'll love the Swatch Pay app and paying with your Swatch Paywatch - Making payments is seriously simple. Just bring your Swatch Pay watch close to the payment terminal, and you’re all set. - Payments are verified by Visa and Mastercard, so you know you’re in safe hands. - Track the payments you’ve made with your Swatch Pay watch and stay on top of your spending using the Swatch Pay app. - Easily suspend or delete the payment function using the Swatch Pay app in case your watch goes missing. - Using Swatch Pay wont affect your watch's battery life, so you’re always ready to pay! And that is not all! Swatch Pay watches, like all Swatch watches, are water-resistant and meet the Swiss-made high quality standards, making them perfect for your active lifestyle!
Screenshots
Verdict
The clearest difference is review sentiment: UBS Access at 63% against Swatch Pay's 17%. UBS Access also leads on rating (4.8 vs 4.4) and ratings volume (1.5K vs 21). Swatch Pay's advantage is update cadence (every 2 weeks vs every 2 months) and iOS requirement (15.0 vs 18.6). On price, ads, in-app purchases and monetization model there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
UBS Access holds the better App Store score, 4.8 against 4.4. That said, the two scores are not equally well evidenced: UBS Access has 1.5K ratings behind it against 21, so its average is the more settled of the two. Written reviews point the same way: 63% of UBS Access's written reviews are positive against 17% of Swatch Pay's.
UBS Access ships an update every 2 months, Swatch Pay every 2 weeks. The most recent releases landed on October 21, 2026 and October 13, 2026 respectively.
| Parameter | UBS Access | Swatch Pay |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (1.5K ratings) — better | 4.4 (21 ratings) |
| Positive reviews | 63.3% of reviews — better | 16.7% of reviews |
| Number of ratings | 1.5K — better | 21 |
| Update frequency | Every 2 months | Every 2 weeks — better |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | Free |
| Devices | iPhone, iPad | iPhone, iPod |
| Requires iOS | 18.6 | 15.0 — better |
| Further details — not scored | ||
| Size | 60 MB | 70 MB |
| Age rating | 4+ | 4+ |
| Developer | UBS AG | SWATCH LTD |
Customer experience
UBS Access
Swatch Pay
Bugs and requests
UBS Access
Reported bugs
4 issues- Login issues after device change
- QR code scanning problems
- Incompatibility with certain iOS versions
- Unexpected app crashes
Requested features
4 requests- Fingerprint/Face ID support
- Offline mode functionality
- Improved transaction history
- Compatibility with older devices
Swatch Pay
Not enough reviews yet to summarise bugs or requests.
In-app purchases
UBS Access
No in-app purchases
Swatch Pay
No in-app purchases








