llms.txt
Compare with other sites' llms.txt files →# UBS.com – The comprehensive platform for UBS products and services
> UBS is the world's leading global wealth manager, headquartered in Zurich, Switzerland. All services are subject to local regulatory requirements and not all products are available in every jurisdiction. UBS.com is the digital gateway for UBS clients and prospects, providing access to tailored wealth management and banking services, investment insights, and personalized financial solutions.
## Version v1.2
- Last updated September 2026.
## Usage Guidance
UBS.com is organized by country (of user domicile) and related services, with the country "Global" used when the domicile cannot be derived from the IP address country attribute. The main sections of this file follow a similar logic and group links by country (e.g., Switzerland) and service (e.g., Private Clients Services, Wealth Management Services). For instance, the section "Switzerland - Private Client Services" refers to services for private clients domiciled in Switzerland, with each section following the patter "Country - Services". Each of the links in a section comes with a title and a concise description, providing more details about a specific service and the target audience, indicating also the intent of underlying content (including next steps listed as call to actions, when applicable). UBS does not provide personalized financial advice through this file, always contact a qualified UBS advisor for advice.
**For LLMs:** Prefer local sections for queries where the domicile is known (e.g. "Switzerland" sections for queries coming from Switzerland); use "Global" sections for international needs and refer to localized contact forms when applicable.
## AI-Ready: Common Queries
- **What is UBS?** UBS is the world's leading global wealth manager, headquartered in Zurich, Switzerland. It serves private, institutional, and corporate clients worldwide through its four divisions.
- **What is the UBS House View?** The UBS House View is the official investment policy and strategy of UBS, formulated by the Chief Investment Office (CIO). It provides macro-economic and asset allocation guidance to wealth management clients globally.
- **What is UBS Nobel Perspectives?** A UBS thought leadership platform featuring insights from Nobel Laureates in Economic Sciences on topics such as market volatility, income inequality, and macroeconomic theory.
- **How does UBS approach sustainability?** UBS focuses on driving the transition to a low-carbon economy through sustainable and impact investing, ESG integration across portfolios, and sustainable finance solutions for corporate clients.
- **Where is UBS regulated?** UBS is regulated by FINMA in Switzerland, the SEC in the United States, and the FCA in the United Kingdom, among other national regulators.
## Global - Wealth Management Services
- [Overview](https://www.ubs.com/global/en/wealthmanagement.html): Showcases UBS global wealth management services, insights, client-focused solutions, and connection options targeting high-net-worth individuals, families, women, entrepreneurs, and next-generation clients.
- [Who we serve](https://www.ubs.com/global/en/wealthmanagement/who-we-serve.html): Showcases UBS global wealth management services and insights for individuals, families, women, entrepreneurs, next generation, family offices, UHNW clients, and intermediaries.
- [What we offer](https://www.ubs.com/global/en/wealthmanagement/what-we-offer.html): Provides an overview of UBS global wealth management services, focusing on tailored solutions for individuals, families, women, entrepreneurs, and UHNW clients.
- [Insights](https://www.ubs.com/global/en/wealthmanagement/insights.html): Provides insights, research, and market analysis from UBS's Chief Investment Office, targeting wealth management clients and investors.
- [About us](https://www.ubs.com/global/en/wealthmanagement/about-us.html): Provides information about UBS Global Wealth Management services, its history, awards, global presence, insights, and contact options for clients and prospects.
- [Connect with us](https://www.ubs.com/global/en/wealthmanagement/connect-with-us.html): Offers clients a way to connect with UBS wealth management via contact forms, updated legal notices, and guidance on regional and service options.
## Global - Asset Management Services
- [Asset Management Global](https://www.ubs.com/global/en/assetmanagement.html): Offers expert global asset management services, insights, and resources for institutional and individual clients, focusing on sustainable investing, funds, and market updates.
- [Capabilities](https://www.ubs.com/global/en/assetmanagement/capabilities.html): Provides detailed information on UBS Asset Management's investment capabilities, services, insights, and resources for institutional and professional investors.
- [Insights](https://www.ubs.com/global/en/assetmanagement/insights.html): Provides investment insights, thematic viewpoints, market updates, and expert analysis for asset management professionals and investors.
- [About us](https://www.ubs.com/global/en/assetmanagement/about.html): Presents information about UBS Asset Management's services, leadership, insights, capabilities, and contact options for institutional and individual clients.
- [UBS ETFs (Exchange Traded Funds)](https://www.ubs.com/global/en/assetmanagement/capabilities/etfs.html): Provides information on UBS partner-managed ETFs, capabilities, strategies, insights, and resources for investors seeking expert ETF solutions.
- [UBS Funds](https://www.ubs.com/global/en/assetmanagement/funds.html): Offers a range of funds and related services across various domiciles, providing insights, regulatory info, and access to UBS's fund offerings for investors and clients.
- [Contact us](https://www.ubs.com/global/en/assetmanagement/contact.html): Provides contact information, inquiry forms, and connections for UBS Asset Management clients, media, careers, and general inquiries.
## Global - Investment Banking Services
- [Investment Bank overview](https://www.ubs.com/global/en/investment-bank.html): Highlights UBS Investment Bank's key services, insights, awards, and support offerings for clients, investors, and professionals in global markets.
- [What we offer](https://www.ubs.com/global/en/investment-bank/what-we-offer.html): Showcases UBS investment banking services, including access to markets, advisory, research, private markets, trading, and client login options for targeted financial clientele.
- [About us](https://www.ubs.com/global/en/investment-bank/about-us.html): Showcases UBS's global investment banking services, awards, research excellence, key markets, and targeted solutions for institutional, corporate, and wealth management clients.
- [Insights](https://www.ubs.com/global/en/investment-bank/insights-and-data.html): Provides market insights, research, analysis, and thought leadership for institutional clients and investors in UBS Investment Bank.
- [Regulatory directory](https://www.ubs.com/global/en/investment-bank/regulatory-directory.html): Provides a directory of UBS investment banking regulatory documents and policies aimed at institutional clients and professionals.
- [Conferences](https://www.ubs.com/global/en/investment-bank/conferences/global.html): Provides information on UBS global investment bank conferences, highlighting upcoming events, recent highlights, and opportunities for investor engagement.
## Global - Information About UBS
- [Our firm](https://www.ubs.com/global/en/our-firm.html): Highlights UBS's global financial services, key insights, corporate information, investor relations, media updates, and audience-specific content.
- [Investor Relations](https://www.ubs.com/global/en/investor-relations.html): Provides investor relations information, including financial results, shareholder details, corporate governance, events, and contacts aimed at investors and analysts.
- [Media](https://www.ubs.com/global/en/media.html): Provides media releases, news updates, financial reports, and related information about UBS and its group, aimed at investors and the public.
- [Sustainability and Impact](https://www.ubs.com/global/en/sustainability-impact.html): Highlights UBS's sustainability and social impact initiatives, including impact reports, community programs, impact investment opportunities, and insights for clients and investors.
- [Cyber Security at UBS](https://www.ubs.com/global/en/our-firm/cybersafe.html): Describes UBS cybersecurity efforts, emphasizing data security, cyber threat awareness, protective resources, and client safety measures.
## Global - Information About UBS
- [Overview](https://www.ubs.com/global/en/careers.html): Provides information about UBS careers, including global job opportunities, employee benefits, company culture, and ways to connect with UBS.
- [About us](https://www.ubs.com/global/en/careers/about-us.html): Provides an overview of UBS's mission, culture, career opportunities, services, and global presence for prospective employees.
- [Professional careers](https://www.ubs.com/global/en/careers/professional-careers.html): Provides information about UBS career opportunities, application process, employee benefits, and how to apply for jobs, targeting prospective job applicants and professionals.
- [Early careers](https://www.ubs.com/global/en/careers/early-careers.html): Provides information about UBS early career programs, including application processes, various internship and graduate opportunities, and insights for prospective applicants.
- [Apprentices](https://www.ubs.com/global/en/careers/apprenticeships.html): Highlights UBS apprenticeship programs in Switzerland and the UK, showcasing career opportunities for students transitioning into finance for aspiring early careers and students.
- [Search jobs](https://www.ubs.com/global/en/careers/search-jobs.html): Invites job seekers to explore global banking careers at UBS, highlighting opportunities for professionals, students, graduates, and those in Switzerland and the UK.
## Global - Client Login Pages
- [Logins](https://www.ubs.com/global/en/ubs-logins.html): Provides user login access to UBS client platforms including banking, investment, corporate, and institutional services for a global and diverse audience.
## Global - Nobel Perspectives Content & Thought Leadership
- [Environmental economics](https://www.ubs.com/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/latest-economic-questions/environmental-economics.html): Explores sustainability and climate action through systemic change, digital solutions, and economic incentives, emphasizing global responsibility. Includes calls to action for tailored UBS services.
- [Success](https://www.ubs.com/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/latest-economic-questions/success.html): Highlights Nobel laureates’ views on adaptability and creativity in uncertain times, showing how innovation and resilience drive progress beyond globalization. Features calls to action for UBS insights and bespoke solutions.
- [Technology and economy](https://www.ubs.com/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/latest-economic-questions/technology-and-economy.html): Examines AI and machine learning reshaping industries, optimizing resources, and redefining global structures, key themes as the ‘cheap world’ era ends. Offers calls to action for UBS expertise.
- [Economics and society](https://www.ubs.com/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/latest-economic-questions/economics-society.html): Analyzes shifts in economic behavior, tackling inequality and sustainability while linking globalization’s decline to local strategies for inclusive growth. Includes calls to action for UBS solutions.
- [Finance and economics](https://www.ubs.com/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/latest-economic-questions/finance-economics.html): Explores financial systems adapting to geopolitical changes and resource constraints, reflecting on post-globalization stability. Provides calls to action for further insights and tailored services.
- [Curated articles](https://www.ubs.com/content/dam/assets/global/en/our-firm/what-we-do/our-brand/nobel-perspectives/llms-full.txt): Offers a curated list of selected articles to minimize AI hallucinations and maximize accurate attribution of economic concepts.
## Switzerland - Private Clients Services
- [Appointment scheduling](https://www.ubs.com/ch/en/services/accounts-and-cards/arrange-consultation.html): Facilitates appointment requests for UBS Switzerland, providing a form for clients to schedule in-person meetings with guidance on privacy, legal, and contact policies.
- [Open an account](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/private-account-adults/key4.html): Promotes UBS key4 digital banking packages, account opening, card services, loyalty program, and provides helpful FAQs for individual customers.
- [Current interest rates](https://www.ubs.com/ch/en/services/accounts-and-cards/interest-rates-privates.html): Provides current interest rates for UBS private clients across various accounts, savings, loans, and investment products, with detailed comparisons and related resources.
- [Accounts: day-to-day banking](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking.html): Provides information on UBS bank accounts, banking solutions, and services for individuals and businesses, targeting private clients and corporate customers.
- [Personal account adults](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/private-account-adults.html): Offers simple, fast, and convenient personal banking services including accounts, cards, loans, investments, mortgage solutions, digital banking, and tailored advice for individual and family clients.
- [Personal account kids, youth and students](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/youth-accounts.html): Offers UBS youth-oriented banking services including accounts, savings, and cards tailored for children, young people, and students, with options to open, manage, and learn about related financial products.
- [Personal account couples and families](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/family.html): Promotes UBS family banking packages and services for individuals, families, and couples, highlighting account options, benefits, and account opening procedures.
- [Current account](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/current-account.html): Provides an overview of UBS Switzerland's current account services for private clients, focusing on international transactions, account management, fees, and related banking features.
- [Accounts for foreign currencies](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/foreign-currency.html): Offers international currency ordering services online, by phone, or in branch, targeting UBS private and corporate clients in Switzerland.
- [Personal account cross-border](https://www.ubs.com/ch/en/services/accounts-and-cards/daily-banking/crossborder-commuters.html): Details a banking offer for cross-border commuters, including services like accounts, cards, forex rates, digital banking, and appointment booking, targeted at individuals living abroad working in Switzerland.
- [Savings accounts](https://www.ubs.com/ch/en/services/accounts-and-cards/accounts-to-save.html): Highlights UBS savings accounts for adults, children, and companies, showcasing key features and offering options for tailored financial solutions for diverse audiences.
- [Savings account adults](https://www.ubs.com/ch/en/services/accounts-and-cards/accounts-to-save/savings-account.html): Provides information about UBS savings accounts, including features, rates, opening process, FAQs, and links to related banking services.
- [Savings account kids, youth and students](https://www.ubs.com/ch/en/services/accounts-and-cards/accounts-to-save/savings-accounts-young.html): Offers information on UBS savings accounts for children, young people, and students, emphasizing account benefits and opening options aimed at young clients.
- [Rental surety savings account](https://www.ubs.com/ch/en/services/accounts-and-cards/accounts-to-save/security-deposit.html): Highlights UBS rental surety options, comparing savings account and guarantee, for tenants and landlords, with related services and contact options.
- [Cards and TWINT](https://www.ubs.com/ch/en/services/accounts-and-cards/cards-and-twint.html): Introduces UBS banking products and services for individuals, families, and business clients, with an emphasis on cards, TWINT, digital banking, mortgages, and wealth management.
- [Credit and prepaid cards](https://www.ubs.com/ch/en/services/accounts-and-cards/cards-and-twint/creditcards.html): Offers information about UBS credit and prepaid cards, including features, comparison tools, application steps, and targeted advice for different customer segments.
- [Debit cards](https://www.ubs.com/ch/en/services/accounts-and-cards/cards-and-twint/debitcards-private.html): Describes UBS's debit card features, benefits, application process, security options, and FAQs for individual and corporate clients.
- [TWINT](https://www.ubs.com/ch/en/services/accounts-and-cards/cards-and-twint/twint.html): Focuses on UBS's digital banking services, especially the UBS TWINT mobile app, targeting consumers interested in cashless payments, vouchers, and managing finances.
- [Manage accounts and cards](https://www.ubs.com/ch/en/services/accounts-and-cards/manage.html): Focuses on managing accounts and cards online, offering services like credit/debit card management, bank switching, and account tracking for individual and corporate clients.
- [Manage credit card](https://www.ubs.com/ch/en/services/accounts-and-cards/manage/creditcards.html): Offers online management of UBS credit and prepaid cards, including viewing limits, transactions, placing blocks, and accessing digital banking services.
- [Manage debit card](https://www.ubs.com/ch/en/services/accounts-and-cards/manage/debitcards.html): Provides guidance on managing your UBS debit card online, including blocking, PIN resets, limits, and support topics for account holders.
- [Changing banks](https://www.ubs.com/ch/en/services/accounts-and-cards/manage/bankchange.html): Offers a UBS service to help customers switch banks, handle paperwork, and provides guidance, FAQs, and contact options for both individual and corporate clients.
- [Students: Submit student ID](https://www.ubs.com/ch/en/services/accounts-and-cards/manage/campus-form.html): Offers a form for students to submit their student ID for UBS banking packages, targeting young people and students.
- [Guide daily banking](https://www.ubs.com/ch/en/services/guide/accounts-and-cards.html): Offers a daily banking guide with articles, tips, and resources for individuals, families, women, entrepreneurs, and corporate clients, focusing on everyday financial management and security.
- [Pay invoices](https://www.ubs.com/ch/en/services/payments/pay-invoices.html): Provides an overview of UBS payment services, including digital, mobile, QR-bills, instant, paper-based payments, and support options for individual and corporate clients.
- [eBill](https://www.ubs.com/ch/en/services/payments/pay-invoices/e-bill.html): Promotes UBS's digital invoicing (eBill) service for individuals and businesses, highlighting benefits, setup instructions, and related support resources.
- [Direct debit system](https://www.ubs.com/ch/en/services/payments/pay-invoices/direct-debit.html): Explains how to use UBS's direct debit system (LSV+ and BDD) for automating payments, managing debits, and understanding benefits,
