AKB Mobile Banking vs UBS TWINT

AKB Mobile Banking combines simplicity and clarity with a modern, simplified navigation concept. It features a new, fresh design that can be used intuitively and is a pleasure. – Reliable and secure thanks to established security standards – Log in using your individual PIN or conveniently with biometric features – With two to three taps, you can access any important information or function – You will find all the configurations and help in the «Settings» section – Click on «Connect» to pair your smartphone with AKB e-Banking and scan invoices with your smartphone Thanks to quick access to all core functions, you can take care of your banking transactions anytime and anywhere – simply and securely. ASSETS – Clear presentation of all accounts and custody accounts – Direct access to account statements and balance preview – Jump to portfolio positions and performance – List of all mortgages and loans – Easily switch between several client relationships CUSTODY ACCOUNT – Overview of all portfolio positions, grouped by asset class – Sustainability rating and performance per position – Current performance (YTD), monthly, annual or cumulative – Allocation view by instrument group, currency, industry, region PAYMENTS – Enter domestic and foreign payments quickly and easily with the payment assistant – Send invoices directly to the app or upload them as a file and pay them – Approve e-bills and add new billers – Entering and processing standing orders – Search, check and approve pending and executed payments TRADING – Buy and sell securities – Check and edit order status in the order book – Direct access to the market data portal with real-time prices, business news and security ratings MORE – View and download bank documents – Secure communication and data exchange – Overview of your products and services – Order accounts and cards conveniently – Configure your personal pension solution – Manage cards and TWINT (limits, blocking, change PIN) – Order CHF and foreign currencies – Analyse income and expenses with the financial assistant – Investment ideas from our experts – assessed based on facts – Adjust master data and app settings – Contact, help and appointment scheduling Do you have any questions or do you need support? We are here for you personally. e-Banking / Mobile Banking Helpline +41 62 835 77 99 Monday to Friday 7.30 a.m. to 8 p.m.* Saturday 9 a.m. to 12 noon / 1 p.m. to 4 p.m.* *From 5.30 p.m. and on Saturdays only limited support for urgent matters. For more information, please visit https://www.akb.ch/mobile-banking Do you like our app? Let us and others know. We would be pleased to receive a positive review.

UBS TWINT is the most widely used mobile payment app in Switzerland: send and receive money digitally with your smartphone – discover the advantages of contactless payment with UBS TWINT. With well over one million registrations, UBS TWINT is the Swiss no. 1 mobile payment service and Switzerland’s digital cash. Paying digitally, sending money directly to or receiving money from friends has never been easier. Paying for parking without coins or shopping at Coop and Migros without cash is no problem via the app. WHAT TWINT CAN DO Pay cashless at the register: Conveniently pay cashless with your smartphone in the store, restaurant, farm shop, etc., at any card terminal with QR codes. Send, receive and request money: Send, request and receive money quickly and securely via smartphone to and from friends, family and colleagues. Pay in online stores: Save valuable time when shopping online, scan the QR code at checkout, or switch to the TWINT app to authorize the payment. In-app payment: Save TWINT as a secure method of payment in other apps, such as SBB, Fairtiq, Migros and many more. KeyClub points: Collect valuable points when paying via TWINT using the registered UBS Credit Card. Pay parking fees: Pay parking fees at public parking lots by using location tracking in the app or QR code on the parking meter. Vouchers & credit: Buy, send and receive digital vouchers and credit for yourself or as a gift with just a few clicks. Donate: Donate money to Swiss aid organizations and their projects for charitable purposes. Withdraw cash: Sometimes you can only pay with cash. That’s why TWINT has integrated “Sonect.” It allows you to get cash quickly and easily using the “Withdraw cash” feature, without the need for an ATM. Benefit from Super Deals: Every week you can benefit from new discount offers in the “Super Deals” partner feature. Order coffee: Order new coffee supplies directly in TWINT using the app or the QR code on the Nespresso machine. . . . and much more. SECURE IS SECURE • Meets the security standards of Swiss banks • All data remains in Switzerland • Protected by 6-digit PIN or fingerprint • The UBS TWINT account can be blocked at any time UBS Switzerland AG has only made the UBS TWINT app (“app”) available to the following persons, for whom it was exclusively designed: For (i) existing clients of UBS Switzerland AG and existing clients of other non-US subsidiaries of UBS Group AG who are domiciled in Switzerland, and (ii) natural persons who are domiciled in Switzerland. The fact that the app can be downloaded from non-Swiss app stores does not constitute an invitation, offer or recommendation to enter into a transaction, nor should it be construed as an invitation or offer to enter into a client relationship between the person downloading the app and UBS Group AG companies. The app is not intended for and cannot be used by persons resident in Australia or the USA. ADDITIONAL INFORMATION http://www.ubs.com/twint