The UBS digital experience

Your financial life, wherever life takes you

Access that works best for you

Whether you simply want to deposit funds, transfer money, check your progress against goals or read our latest insights, UBS offers you convenient and secure online access to what you need. It’s easy to stay on top of your financial life and to get more connected with your UBS Financial Advisor.

Ready to get started?

Ready to get started?

  1. Visit ubs.com/onlineservices and select “Register for online access”
  2. Complete registration, including PIN verification
  3. Go green. Enroll in e-Delivery to get all statements, shareholder communications and tax documents electronically

UBS Financial Services App

  1. Download the app for iPhone,® iPad® or Android™
  2. Follow the instructions to enroll in UBS Online Services (Apple® users can enroll in the app)
  3. Log in using your UBS Online Services credentials

Making your life easier

Making your life easier

Complete forms that require signatures digitally, quickly and securely, thanks to our partnership with DocuSign, the industry leader in e-signature.

Enroll in EFT and link your external accounts

e-Delivery of documents

Cut the paper waste and need for filing by receiving digital statements, confirmations and notices, Quarterly Performance Reports and shareholder communications.

Sign up today (PDF, 1 MB)

Account security

Your account information is protected through a layered security approach that includes virus protection, secure socket layer (SSL) certification and suspicious activity detection. You can also restrict access to the app by requiring your fingerprint or facial recognition.

Push notifications

Push notifications from the app and online account provide an easy login process while using technology that keeps your online account secure.

Make transfers

Use Electronic Funds Transfer (EFT) to transfer funds to and from your accounts at external financial institutions, and between your UBS accounts. Transfer assets from your outside investment accounts to UBS Financial Services Inc1. 

Link your external accounts

Learn how to link your accounts (PDF) (PDF, 734 KB)

Make deposits

Deposit a check or fund an investment in a snap via the UBS Financial Services App. Make deposits via EFT into your UBS brokerage account or into UBS Core Savings, offered by UBS Bank USA. Funds deposited into the UBS Core Savings, CDs and UBS cash sweep programs are FDIC insured, up to applicable limits.

Make a deposit into UBS Core Savings

Cash Management and Digital Banking

More than wealth. Explore opportunities beyond your investments.

You have a vision for what you want to accomplish. But are your investments, cash management, deposits and financing solutions working together to help you pursue your goals?

As a UBS client, you have access to cash management resources from UBS Financial Services Inc.—along with banking solutions from UBS Bank USA—to help create opportunities to connect your wealth with your goals.

Take advantage of a variety of cash management services that give you access to funds as well as deposit and transfer capabilities. Choose from a range of deposit options and benefit from a potential source of stable assets with competitive rates and the added security of FDIC insurance (up to applicable limits).

At a glance

Review accounts

Review accounts

Stay connected to your finances and manage your money, wherever you are with UBS Online Services and the UBS Financial Services app. Log in securely to view recent cash and credit activity, upcoming payments and transfers, and statements. Manage your accounts, including your credit card, credit line and mortgage.

Make deposits

Make deposits

  • Make deposits into your brokerage account via our Mobile Check Deposit service on the UBS Financial Services app or with our Electronic Funds Transfer (EFT) service.
  • Initiate incoming Federal Funds Transfers (wires) into your account.
  • Set up direct deposit for your paychecks and other recurring payments.
  • Make deposits into UBS Core Savings, offered by UBS Bank USA. Take advantage of competitive rates with FDIC insurance (up to applicable limits) with UBS Core Savings.
Make a deposit into UBS Core Savings

Move money

Move money

  • Enroll in the Electronic Funds Transfer service and link your UBS accounts with accounts you have at other financial institutions to transfer funds between accounts.  Learn how to link your accounts (PDF) (PDF, 734 KB) and begin linking your accounts today.
  • Set up one-time or recurring payments for credit cards, loans and other bills.
  • Enroll in the Bill Pay service to manage payments with ease and convenience. 
  • Pay the easy way and connect your UBS Account or UBS Cards to mobile wallet apps like Paypal, Venmo, Apple Pay® or Google Pay.2 
  • Make transfers from your UBS brokerage account using wire transfer and checking services.  

See why cash matters

See why cash matters

Help your cash work harder with a cash management strategy that helps you pursue your wealth management goals by matching cash flows to expenses.

Different types of cash help you maintain your lifestyle:

  • Everyday cash is used for day-to-day purchases or expenses, including paying bills.
  • Savings cash is cash used to help meet near-term needs or for unexpected expenses.
  • Investment cash includes cash and cash alternatives such as term deposits, purchased Money Market Funds and short-term Treasuries.

Wealth Management

Keep track to help you reach your long-term goals.

You have access to tools that provide a more complete picture of your financial life, to help you pursue what matters most—for today, tomorrow and generations to come.

At a glance

View all your accounts in one place with My Total Picture

View and track balances in your various accounts—both inside and outside UBS—in one place to help you get a broad picture of your wealth.

Review your Financial Goal Analysis

If you worked with your UBS Financial Advisor to create a Financial Goal Analysis, ask about accessing it online so you can continually assess your progress.

Make more informed decisions with UBS Advice Advantage

Leverage complimentary analytics on your portfolio to help you pursue your financial future in new ways. Or consider the UBS Advice Portfolio Program for a diversified portfolio that we manage for you for a low fee.

Learn how to tap into our insights (PDF) pdf

Frequently asked questions

How can I enroll for UBS Online Services

Enrollment takes just a few easy steps! Access UBS Online Services at onlineservices.ubs.com; from the login page, click on the Register Now button.

You will be asked to provide some required information, and receive a one-time PIN to validate your identity. From there, you can create your custom user name and password and immediately begin using all of the features UBS Online Services has to offer.

How does UBS protect my information online?

Keeping our clients' financial and personal information secure is one of our most important responsibilities. To learn more about how UBS protects your information, and what steps you can take to better protect yourself online, please visit the UBS Online Services login page.

Within the Important Information section, you will find access to more detailed information on this topic.

 
I’ve forgotten my password – what do I do?

If you've forgotten your password, you can reset it yourself by clicking on the "Forgot your user name or password?" link from the UBS Online Services login page. You will be prompted to provide information to help us confirm your identity, and will then be prompted to create a new password.   

Once the process is complete, you will receive an e-mail notification confirming the change. If you need additional assistance, our Service Center will gladly assist. They can be reached at 888-279-3343.

Can I elect to go paperless for statements and documents?

Yes! You can elect to enroll for electronic delivery during the UBS Online Services enrollment process, or at any time through the My Profile section on the site.

You can elect to receive electronic copies of statements, tax documents, trade confirmations, quarterly performance reports and shareholder communications.

 
How can I access my statements and tax documents online?

Once you are logged in to UBS Online Services, you can find this information within the "My UBS Accounts" section, under Statements and Documents. Documents can be viewed for a single account, or a group of accounts that you choose. 

If you are enrolled in electronic delivery, you can also access these documents directly from the mailbox on the home page.

 
How can I learn what features are available across tablet, phone and desktop?

Use this comparison grid to better understand what features are available to you on different devices.

 
How do I enroll in the Electronic Funds Transfer (EFT) service?

You can enroll in EFT online by logging in to UBS Online Services and navigating to Payments and Transfers.

How do I link my external accounts to my UBS accounts?

View our instructional How to link my accounts (PDF, 734 KB) guide for more information and log in to UBS Online Services to link your external accounts at other financial institutions. 

How do I make a deposit into UBS Bank USA Core Savings?

Log in to UBS Online Services to make a deposit into UBS Bank USA Core Savings.  Alternatively, you can contact your Financial Advisor..

Have more questions about your digital experience?

We can help you find the answer you need

Use of the UBS Wealth Management USA app and UBS Financial Services app are subject to terms and conditions. Other restrictions may also apply. Certain products, functionalities and services described herein or contained or otherwise made available via these apps may not be available to all clients or in all jurisdictions.

These apps are available via iPhone and iPad only and are provided free of charge to clients of UBS. The information you include in these app are for your personal use only. UBS will use your responses to personalize your digital experience, but will not update client records unless you confirm the information with your Financial Advisor.

UBS account statements are the only official record of your UBS accounts. Information about external accounts you set up in My Total Picture is provided for your convenience and information only. UBS does not verify or reconcile the holdings, valuations or other information we receive about your external accounts or provide valuations of the assets or liabilities held in your external accounts. UBS Financial Services Inc.'s SIPC coverage and supplemental SIPC insurance only apply to eligible assets held by UBS Financial Services Inc. Unless we agree in writing otherwise,

UBS does not provide advice or recommendations with respect to your external accounts and is not responsible for activity or transactions you conduct in your external accounts.

UBS Financial Services Inc. is not a bank, and its securities accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks.

iPad, iPhone and and Apple Pay are registered trademarks of Apple Inc.

Android and Google Pay are trademarks of Google LLC.

1Only individual, Roth IRA, rollover IRA and traditional IRAs are eligible.

2The products and services described are provided by the firms mentioned herein and not by UBS Financial Services Inc. or its affiliates (”UBS”). UBS makes no representations or warranties with respect to any product or service offered by the firms mentioned, and UBS will have no input concerning such products and services. UBS and the firms mentioned are independent of each other and do not have an agency, partnership or employment relationship, and UBS may not act for or bind the firms mentioned in any manner. All applications or requests for products or services must be made directly with the firms mentioned and are subject to their internal review and approval process.

About UBS Bank USA Products

UBS Bank USA Core Savings is not intended for clients who need to have frequent access to their funds. UBS Financial Services Inc. will charge you a fee of $25 for each withdrawal that you make from UBS Bank USA Core Savings in excess of five (5) withdrawals in a calendar month. Applicable fees may reduce your earnings. For these purposes, a withdrawal will be considered to occur on the day on which the funds are actually withdrawn from UBS Core Savings, which may not be the same day on which you place an order for the withdrawal with your Financial Advisor. These fees will be posted to your UBS account the business day following the excess withdrawal. You may incur a withdrawal fee even if the withdrawal is involuntary such as if a withdrawal is made by UBS to meet a margin call.

Please review carefully the UBS Bank USA Core Savings disclosure statement available at ubs.com/coresavingsdisclosure. Deposits in UBS Bank USA Core Savings, together with all other deposits at UBS Bank USA, are insured by the FDIC up to $250,000 (including principal and accrued interest) for each insurable ownership capacity (e.g., single, joint) in which you hold the deposits. For purposes of FDIC insurance, your deposits will be aggregated with your other deposit balances at UBS Bank USA in the same ownership capacity, including any Certificates of Deposit, and deposits through the UBS Bank Sweep Programs and UBS FDIC Insured Deposit Program. You are responsible for monitoring the total amount of your deposits at UBS Bank USA in order to determine the extent of FDIC deposit insurance coverage.

UBS Financial Services Inc., as your agent and custodian, will open a deposit account on your behalf with UBS Bank USA, Member FDIC. UBS Bank USA Core Savings is available only to individuals, nonprofit entities and U.S. governmental entities and is not available for all advisory accounts, certain business accounts and certain international accounts. UBS Bank USA Core Savings is available for purchase through an account at UBS Financial Services Inc., an affiliate of UBS Bank USA, and standard account fees apply.

Excluding promotional offers, UBS Bank USA Core Savings has a multi-tier rate structure. At the end of a promotional term, variable tiered rates on the deposits in UBS Bank USA Core Savings will apply. Interest accrues daily and pays monthly. View rates at ubs.com/coresavings. Rates and rate tiers may change at any time without prior notice

UBS Bank USA is a subsidiary of UBS AG. UBS Bank USA, Member FDIC, NMLS no. 947868. UBS Financial Services Inc. is a subsidiary of UBS AG. Member FINRA. Member SIPC.
Equal Housing Lender 

Conflicts of interest

UBS Bank USA uses the cash balances in deposit accounts to fund new lending and investment activity. The bank profits by the difference between the interest paid to clients and the costs associated with deposits, and the interest and other income earned by the bank on its loans, investments and other assets. The bank improves profits when it pays lower interest rates on deposits. You should be aware that alternative cash equivalent investments that are managed by UBS affiliates or by third parties, or that are otherwise available on the UBS platform (such as US Treasury securities), are also available for investment by clients. At times, these alternatives pay a higher yield than the interest rates paid on UBS Core Savings. Such alternative investments may not be insured by the FDIC or protected by SIPC.

About UBS Financial Services Inc. products

The Resource Management Account (RMA) and Business Services Account BSA are brokerage accounts with UBS Financial Services Inc., a registered broker-dealer and a member of the Securities Investor Protection Corporation (SIPC), which protects securities customers of its members up to $500,000 (including $250,000 for claims for cash). UBS Core Savings is a deposit account, not an security, and is not protected by SIPC. An explanatory brochure is available upon request or at sipc.org. The RMA and Business Services Account BSA accounts provide access to banking services and products through arrangements with affiliated banks and other third-party banks, and provides access to insurance and annuity products issued by unaffiliated third-party insurance companies through insurance agency subsidiaries of UBS Financial Services Inc. UBS Financial Services Inc. and/or its Financial Advisors may receive compensation in connection with deposit products.

Investment, insurance and annuity products: Not FDIC insured • No bank guarantee • May lose value

As a firm providing wealth management services to clients, UBS Financial Services Inc. offers investment advisory services in its capacity as an SEC-registered investment adviser and brokerage services in its capacity as an SEC-registered broker-dealer.  Investment advisory services and brokerage services are separate and distinct, differ in material ways and are governed by different laws and separate arrangements. It is important that clients understand the ways in which we conduct business, that they carefully read the agreements and disclosures that we provide to them about the products or services we offer.  A small number of our financial advisors are not permitted to offer advisory services to you, and can only work with you directly as UBS broker-dealer representatives.  Your financial advisor will let you know if this is the case and, if you desire advisory services, will be happy to refer you to another financial advisor who can help you.  Our agreements and disclosures will inform you about whether we and our financial advisors are acting in our capacity as an investment adviser or broker-dealer.  For more information, please review the PDF document at ubs.com/relationshipsummary (PDF, 122 KB)

© 2020 UBS. The key symbol and UBS are among the registered and unregistered trademarks of UBS. All other trademarks are the property of their respective owners. All rights reserved.

IS2005340, Expiration: 9/30/2021