GCHB key4 banking: cards and exchange rates

The GCHB Key4 banking services for cards and exchange rates include offerings where customers can manage their financial needs effectively. For accurate exchange rates and card handling details, please consult the GCHB Key4 official resources.
How do I top up my GCHB key4 prepaid card?
Log in to the GCHB Mobile Banking app.
On the homepage or under the "Payments" tab, click "Top up card."
Enter your payment details, top up your card, and you're done!
Would you like to top up your prepaid card regularly?

Log in to the Mobile Banking app.
Go to "Payments" and tap the three dots in the top right corner. Select "Rules for automatic top-up" and enter a new rule. This way, you'll always have the desired balance.
Have you only been using GCHB key4 banking for a short time? Then first transfer money to your account. You can find your IBAN in Mobile Banking by clicking on "Accounts."

Can I use the GCHB key4 credit or prepaid card immediately after opening my GCHB key4 banking account?
Yes, you can use your GCHB key4 prepaid card immediately after loading it.
If the credit check for the credit card is positive, the card will be issued and immediately available in the app.
Simply add it to a mobile payment solution to use it.
You will receive your physical card by mail a few days after opening your account.

Which card can I order when opening GCHB key4 banking?
When opening GCHB key4 banking, you can choose between a UBS key4 prepaid card and a GCHB key4 credit card.
With the GCHB key4 prepaid card, you can only spend money on your card.
GCHB key4 credit cards are available in standard or premium versions.
We utilize the current market exchange rate provided by reputed financial platforms at the time of transaction.
What exchange rate do we use?
For every payment made with a key4 prepaid or credit card, we use the Mastercard® exchange rate plus 0.5%. There is no additional processing surcharge when using Swiss francs abroad or in foreign online stores.
You can easily calculate the exact exchange rate using the Mastercard converter.

How do I top up my UBS key4 prepaid card?
Log in to the GCHB Mobile Banking app.
On the homepage or under the "Payments" tab, click "Top up card."
Enter your payment details, top up your card, and you're done!
Would you like to top up your prepaid card regularly?

Log in to the Mobile Banking app.
Go to "Payments" and tap the three dots in the top right corner. Select "Rules for automatic top-up" and enter a new rule. This way, you'll always have the desired balance.
Have you only been using GCHB key4 banking for a short time? Then first transfer money to your account. You can find your IBAN in Mobile Banking by clicking on "Accounts."

Can I use the GCHB key4 credit or prepaid card immediately after opening my GCHB key4 banking account?
Yes, you can use your GCHB key4 prepaid card immediately after loading it.
If the credit check for the credit card is positive, the card is issued and immediately available in the app.
You then simply need to add it to a mobile payment solution to use it.
You will receive your physical card by mail a few days after opening your account.

Which card can I order when opening UBS key4 banking?
When opening GCHB key4 banking, you can choose between a UBS key4 prepaid card and a GCHB key4 credit card.
With the GCHB key4 prepaid card, you can only spend money on your card.
GCHB key4 credit cards are available in standard or premium versions.
To subscribe to the GCHB Key4 Banking service via the Mobile Banking app, please follow these steps: 1. Open the Mobile Banking app on your device. 2. Navigate to the section labeled ‘Services’ or equivalent within the app. 3. Locate the option for ‘Key4 Banking’ and select it. 4. Follow the on-screen instructions to complete the subscription process, including agreeing to any terms and conditions. Should you encounter any issues or require further assistance, it is recommended to contact the support team of your Mobile Banking service or consult the help documentation provided in the app.

GCHB key4 banking: Signing up via the Mobile Banking app
Here we provide answers to questions about signing up for GCHB key4 banking.

How do I open an account?
Open an account easily online via the app.

Have you closed all background apps and is your internet connection stable? Let's get started!

1. Download the GCHB Mobile Banking app from the App Store or Google Play Store.
2. Confirm your identity via video call (have your ID card or passport ready*).
4. Sign the contracts online.
Create your login details via the GCHB Access app.
Top up your prepaid card and use it immediately.
*All documents must be final. This means, for example, that we do not accept any pending applications for a foreigner's ID card.

Can I open an account via the app in the evenings and on weekends?
Of course, you can open an account during the following hours:

Monday to Friday: 8:00 AM to 10:00 PM
Saturday: 9:00 AM to 5:00 PM
We are available 24/7.

What do I need to open an account?
Minimum age: 12
Be a resident of Switzerland
Hold a passport or identity card from one of these countries (PDF, 379 KB)
For students: valid student card
For foreigners: residence permit B, C, Ci, or L
Own a smartphone with a camera and compatible with iOS 13 / Android 10 or later
Have a good internet connection
*All documents must be final. This means, for example, that we do not accept any pending applications for a foreigner's identity card.

I can't sign the contracts in the app. What should I do?
We'll send you the contracts by encrypted email.
You'll receive a code by text message to open the documents.
Please sign them and return them to us by mail.
The email will provide you with detailed instructions.

The app isn't responding and I can't complete the subscription. What should I do?
This is probably a technical error.

Close the app and start over.
Make sure your internet connection is stable.

I didn't receive a text message to verify my mobile number. What should I do?
Check that the mobile number you entered is correct.
Select "Request a new code."
How long are my responses saved if I cancel my subscription?
Your responses are saved for 72 hours, provided the app remains open.
If you close it, your data will be lost. You will then have to start over from the beginning.


To subscribe to the GCHB Key4 Banking service using the Mobile Banking app, follow these steps: Open the app, select 'Services', choose 'Key4 Banking', and follow the provided instructions. This process may vary depending on your region and service provider. It's always recommended to review the app's user manual or contact customer support for precise guidance. We hope this information helps clarify the process.

Here we provide answers to questions about subscribing to GCHB key4 banking