What does UBS cover?
UBS Switzerland AG (debit cards, credit cards, UBS Digital Banking) (Bank): we read no business products and no private products, plus 4 rules on refunds.
As of
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When do you get your money back?
This is how the terms of UBS deal with misuse of a card, account or app.
The bank first: private products pay only what the bank or card issuer does not cover (Mobiliar at most 3 events per year; Zurich only after the bank’s written refusal). Block the card immediately and file a report. Haushalt- und Gebäudeversicherung, Kundeninformationen und Allgemeine Bedingungen (Hausrat, Wertsachen, Privathaftpflicht, Gebäude, Haustiere, Cyberversicherung, Vertragsrechtsschutz), Ausgabe 04.2025, Art. B Ziff. 5, PDF-S. 42Where does it say so?
«Versichert sind maximal 3 Schadenereignisse pro Versicherungsjahr.»
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unauthorised payment, card stolen/lost
Deadline: 30 days Deductible: not stated
The rule in full
Debit card: UBS covers losses from misuse by third parties (including counterfeiting) if the cardholder proves that they complied with the conditions in all respects and are not at fault. Persons close to the cardholder are not considered third parties; insured losses are excluded. Conditions: do not keep the PIN with the card and do not store it, report immediately, police report, dispute within 30 days of receipt of the account statement, form within 10 days.
Where does it say so? (unauthorised payment, card stolen/lost)
Vertragliche Grundlagen für private Kunden – Bedingungen für die Nutzung der UBS Debitkarten, Debitkarten-Bedingungen Ausgabe September 2024 (Sammeldokument gedruckt September 2026), Debitkarten Ziff. 8 (Pflichten Ziff. 7), PDF-S. 19
«übernimmt UBS Schäden, die dem Kontoinhaber aus missbräuchlicher Verwendung der UBS Debitkarte durch Dritte entstanden sind.»
Open document: Vertragliche Grundlagen für private Kunden – Bedingungen für die Nutzung der UBS Debitkarten (opens in a new window), retrieved 06.11.2026
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unauthorised payment, card data hacked/copied (card-not-present, skimming)
Deadline: 30 days Deductible: not stated
The rule in full
Credit card: the risk lies in principle with the cardholder. If no means of access was used, UBS covers the loss if disputed in time (immediately, no later than 30 days from the statement date), provided all T&C provisions were complied with and there is no fault.
Where does it say so? (unauthorised payment, card data hacked/copied (card-not-present, skimming))
Vertragliche Grundlagen für private Kunden – Allgemeine Geschäftsbedingungen für die Benützung der UBS Kreditkarten, Kreditkarten-AGB Ausgabe September 2024, Kreditkarten Ziff. 8.2 (Frist Ziff. 7.4), PDF-S. 23
«In allen übrigen Fällen übernimmt UBS bei rechtzeitiger Beanstandung (Ziffer 7.4) Schäden aus missbräuchlicher Verwendung der Karte durch Dritte»
Open document: Vertragliche Grundlagen für private Kunden – Allgemeine Geschäftsbedingungen für die Benützung der UBS Kreditkarten (opens in a new window), retrieved 06.11.2026
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payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam)
Deadline: 30 days Deductible: not stated
The rule in full
No coverage: credit card transactions approved with a means of access (Access App, PIN, one-time codes) are borne by the cardholder in any case. In digital banking, the correct confirmation of orders lies solely with the customer (basic provisions section 5).
Where does it say so? (payment approved by the customer (3-D Secure approval after phishing, code passed on, investment fraud, love scam))
Vertragliche Grundlagen für private Kunden – Allgemeine Geschäftsbedingungen für die Benützung der UBS Kreditkarten, Kreditkarten-AGB Ausgabe September 2024, Kreditkarten Ziff. 8.2, PDF-S. 23
«In jedem Fall sind sie vom Karteninhaber zu tragen, wenn die Transaktionen unter Verwendung eines Zugangsmittels genehmigt wurden.»
Open document: Vertragliche Grundlagen für private Kunden – Allgemeine Geschäftsbedingungen für die Benützung der UBS Kreditkarten (opens in a new window), retrieved 06.11.2026
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e-banking takeover by third parties
Deadline: not stated Deductible: not stated
The rule in full
Anyone who logs in with the personal means of access is treated as authorised. The authentication agreement places manipulation of the customer’s device, misuse of means of access, breached duties of care and interference by third parties in data transmission at the customer’s end on the customer. UBS is only liable if it has breached the customary standard of care. Obligations: keep means of access separately and never pass them on, do not respond to e-mails or SMS asking for access data, keep the operating system and browser up to date.
Where does it say so? (e-banking takeover by third parties)
Vertragliche Grundlagen für private Kunden – Basisbestimmungen für UBS Digital Banking, Basisbestimmungen Ausgabe Februar 2025 (63615 D 001 07.02.2025), Digital Banking Ziff. 6 Risiken, PDF-S. 11
«Die Legitimationsabrede (vgl. Ziff. 2) bedeutet, dass die Risiken beim Vertragspartner liegen, die sich (i) aus Manipulationen am IT-System des Zugriffsberechtigten»
Open document: Vertragliche Grundlagen für private Kunden – Basisbestimmungen für UBS Digital Banking (opens in a new window), retrieved 06.11.2026
Overview based on public policy terms, as of 06.11.2026. Only your policy and its general terms and conditions (GTC) are binding. No confirmation of cover.