UBS

Universal bank · Zürich, Switzerland

UBS is the largest Swiss bank and the world's largest wealth manager, formed in 1998 and enlarged by the 2023 emergency takeover of Credit Suisse. It migrated the last Credit Suisse client accounts in Switzerland in March 2026. For businesses it offers Swiss SME accounts (UBS key4 business at CHF 20 per quarter after a free first year), trade and export finance, and a global investment bank. Outside Switzerland its offices serve wealth and institutional clients rather than SME current accounts.

Legal name: UBS Group AG
Regulated by: FINMA (Switzerland), SNB (systemic oversight), PRA/FCA (UK branch), Federal Reserve / SEC (UBS Americas), ECB / BaFin (UBS Europe SE)
Licence confirmed: yes, on a regulator's own list
Established: 1998
Website: www.ubs.com

Scores, 0 to 10

9.0Financial strength & stability

G-SIB bucket 2, CET1 14.4% at 2Q26, UBS AG rated Aa2/A+/AA; Swiss capital rules could add about USD 20bn of CET1 requirements · source

8.0Europe (EU, EEA, Switzerland)

Largest bank in Switzerland with about 100 Swiss offices and an EU banking entity, UBS Europe SE, but Swiss residence is required to open an SME account · source

7.0Cross-border payments, FX and multi-currency accounts

Global investment bank with FX trading in 51 countries; SME card purchases abroad cost 2% plus FX rate Swiss corporate bank with multi-currency accounts, digital signatures and a 2024 pilot of blockchain-based multi-currency payments (UBS Digital Cash) with multinational clients · source

7.0Customer satisfaction

Trustpilot TrustScore 4.2 from 2,035 reviews for ubs.com · source

6.5Fast digital onboarding

Companies being founded can open a full banking relationship within four days via UBS key4 business with digital ID verification; Swiss residence is required · source

6.5Trade, manufacturing & import-export

Documentary credits, collections, guarantees and standby LCs with UBS Digital Trade Finance and Trade Finance seminars for Swiss exporters · source

6.0Lowest fees

UBS key4 business costs CHF 20 per quarter (free in year one) with 500 free electronic CHF/EUR payments per month and debit card from CHF 48 per year · source

6.0Startups & VC-backed companies

Free capital deposit account for founding an AG or GmbH and account plus card free for up to two years under UBS key4 business · source

5.5United States

UBS Americas serves wealth and institutional clients (UBS Financial Services Inc. penalised USD 125m by FinCEN in August 2026); no SME business current accounts · source

5.5Asia-Pacific (SG, HK, AU, JP, KR)

Offices in Hong Kong, Singapore, Tokyo and Sydney serve wealth and investment-banking clients; UBS Tokenize issued Hong Kong's first tokenised warrant in 2024 · source

5.0United Kingdom

UBS AG operates a London branch serving investment banking and wealth clients, fined GBP-equivalent USD 119m by the Bank of England in 2023, with no mainstream UK business current account · source

5.0On-ramp: buy crypto with fiat

UBS sells no crypto to companies; a secondary 2025 guide says UBS lets clients pay FINMA, FCA and MiCA-licensed exchanges such as Kraken and Bitstamp while blocking unlicensed ones, but UBS publishes no such policy itself, so the evidence is thin. · source

4.5Crypto-friendly bank

No public policy on banking crypto businesses; UBS opened bitcoin and ether trading to select Swiss private banking clients in 2026 and the CEO said it is exploring tokenised deposits for corporates · source

4.5Business cards (Visa, Mastercard)

UBS's corporate page says cards come with the UBS key4 business package, free for up to two years with certain insurance, but networks, foreign fees and virtual cards are not stated and the product pages returned an error today. · source

4.0Middle East & Gulf

Present in 51 countries including Middle East wealth hubs, but no GCC corporate current accounts or free-zone onboarding · source

4.0Latin America, Africa & South Asia

Investment banking and wealth presence across 51 countries and jurisdictions, no local SME banking in emerging markets · source

4.0Fintech companies that need a partner bank

No public safeguarding or BaaS offer for payment firms; in September 2025 UBS took part in a Swiss deposit-token feasibility study with the SBA, PostFinance and Sygnum · source

4.0Online businesses: e-commerce and SaaS

Business account with UBS E-Banking payments and cards, acquiring via third parties; no marketplace payout product UBS key4 business offers daily banking and currency hedging for Swiss companies; no API, receiving-account or software-company product was found on the pages opened today. · source

4.0Foreign-owned & non-resident companies

UBS's corporate page references support for companies established abroad, but the business account pages returned an error today and no published rule on owners living abroad was found. · source

4.0Off-ramp: crypto to fiat in a business account

No UBS process for receiving exchange proceeds is published, and a 2024 forum post describes a UBS security call after a CHF 10,000 transfer from Coinbase; this is one personal account, not a verified business case. · source

3.5Canada

UBS wealth management is present in more than 40 countries including Canada, but there is no Canadian corporate or SME banking offer · source

3.5High-risk verticals (iGaming, cannabis, adult, forex)

No published policy on gambling, adult, cannabis or forex clients was found on the UBS pages opened today. · source

3.5Bitcoin

Bitcoin trading is reported for select Swiss private banking clients since early 2026 and crypto ETFs for wealthy Hong Kong clients since 2023, but UBS has not confirmed the launch on its own site and nothing is offered to companies. · source

3.5Ethereum

Ether is reported on the same select private client basis as bitcoin, based on press rather than a UBS product page, with no company access or staking. · source

3.0Crypto wallet and custody for a business

UBS's own Tokenize page still states that UBS has no active offering in crypto, while a May 2026 press report says select Swiss private banking clients can now trade bitcoin and ether through partners; neither covers company accounts, and the launch claim is secondary. · source

2.5Best interest on business balances

SNB policy rate held at 0% at the 18 June 2026 assessment and the key4 business account pays 0% per year · source

2.5Stablecoins (USDC, USDT and others)

CEO Sergio Ermotti said in February 2026 that UBS is exploring tokenised deposits for corporate clients, and UBS Digital Cash has only been piloted; there are no stablecoin accounts or payouts for business clients. · source

1.0Accept crypto payments

No crypto or stablecoin acceptance for merchants was found on UBS pages, and the bank's digital asset work covers tokenised bonds, funds and deposits, checked September 2026. · source

Sources

Built on public information and the BankStore team's own aggregated experience; no confidential client or partner data. Bank Index and BankStore are not banks. This is information, not financial advice.