Overview

The UBS Business Savings Account is designed to help organisations protect surplus cash, optimise short-term returns and maintain immediate access to funds. Backed by the scale and expertise of UBS, this account blends straightforward day-to-day liquidity with professional-grade banking features, enabling finance teams and business owners to manage working capital with confidence.

Key benefits

• Flexible liquidity: Access funds when you need them without lengthy withdrawal procedures, supporting payroll, supplier payments and operational needs.
• Competitive returns: Earn interest on idle cash with competitive, market-aware rates and optional tiered structures depending on balance levels.
• Multi-currency capability: Hold balances in major currencies to reduce conversion friction and support international operations.
• Institutional security: Benefit from robust risk management, regulatory compliance and account controls consistent with UBS’s global standards.
• Integrated treasury tools: Seamless connectivity with online banking, cash pooling and reporting tools to streamline treasury operations.

Who it’s for

This account suits a broad range of legal entities — small and medium-sized enterprises, growing startups, multinational subsidiaries, professional services firms and family businesses. It is particularly valuable for organisations that require immediate access to funds but want to maximise yield on short-term balances under a single, professionally managed banking relationship.

Core features

• Easy deposits and withdrawals: Manage cash movements through online banking, standing instructions and integrated payment solutions.
• Automated interest calculation: Interest is credited according to the account terms, with transparent calculation periods and statements for reconciliation.
• Custom access controls: Set signatory rules, dual authorization and hierarchical permissions tailored to your internal governance.
• Detailed reporting: Obtain daily and monthly statements, transaction histories and consolidated views for group treasury management.
• Digital and advisory support: Use the UBS digital platform for everyday needs and access relationship managers for strategic treasury advice.

Security, compliance and governance

UBS applies industry-leading security measures to protect client funds and data. The Business Savings Account operates within the bank’s strict compliance framework, including anti-money laundering (AML) and Know Your Customer (KYC) protocols. Account features allow businesses to implement granular control over payments and access. Deposits are subject to applicable local deposit protection schemes and regulatory regimes; specific protections vary by jurisdiction.

How it supports treasury strategy

The account is a practical building block in a broader treasury strategy. It can be used for short-term cash park, emergency reserves, tax and payroll tranches, or as a complement to term deposits and money market instruments. With multi-currency support and integration options, finance teams can reduce conversion costs, centralise surplus management and improve cash forecasting accuracy.

Onboarding and account management

Opening a Business Savings Account at UBS involves a straightforward onboarding process tailored to corporate needs. Documentation requirements vary by entity type and jurisdiction; the onboarding team provides clear guidance on required documentation, signatory mandates and compliance checks. Once opened, accounts can be managed through UBS’s online banking portal, mobile apps and direct relationship channels, enabling both self-service and dedicated advisory support.

Customization and add-on services

To meet diverse corporate needs, the account can be combined with additional UBS services such as cash concentration, notional pooling, sweep arrangements and short-term investment solutions. For larger or international groups, bespoke arrangements and liquidity management strategies are available through the UBS corporate banking and treasury teams.

Why choose UBS

Choosing the UBS Business Savings Account means partnering with a global financial institution known for stability, expert advisory and a broad suite of corporate banking services. UBS merges sophisticated risk management with practical, accessible solutions for everyday treasury challenges — enabling businesses to preserve capital, improve returns and maintain the flexibility required in today’s dynamic environment.

Important notes

Terms, eligibility, interest rates, fees and available features vary by jurisdiction and client profile. Product availability and specific account conditions are subject to local laws, regulatory approvals and UBS’s internal policies. This description is for informational purposes and is not an offer, recommendation or advice. Please consult your UBS relationship manager or official documentation for definitive terms and personalised guidance.