The awards recognise the best of the best in the Australasian legal market across 32 categories. I haven't even been able to make payments online because you have to mail an application to add an external bank account. Your browser currently is not set to accept Cookies. Debit card help. Our Wealth Management services provide. The UBS Rewards Service Center is available between 8:00 a. Up to four Platinum Credit Cards (Mastercard / Visa) for worldwide flexibility at an all-inclusive price With Priority Pass and four free airport lounge visits per calendar year Including comprehensive insurance such as travel,. +41 44 828 31 31. Belgium. m. Individuelle Beratung. ch. Access travel savings, amenities. The UBS Visa Infinite Credit Card is worth it for individuals who want high-quality concierge services and luxury travel perks. S. You don't have to go it alone. You can rely on our personalized advice, first-class solutions, and extensive wealth management experience. UBS transfers 0. Myles Wittenstein. -issued UBS Visa Infinite credit card to complete the Global Entry application and pay a $100 application fee with your UBS Visa Infinite credit card. So if your bank is not on the list, kindly check back again soon. SwatchPAY! works with many credit card and debit card issuers and continues to grow its network of participating banks. Using the UBS Optimus Foundation Credit Card Eco is a simple and direct way to make a commitment to the children of this world with every transaction you make. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. UBS is a global firm providing financial services in over 50 countries. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. UBS Visa Card Classic. UBS Basic Card Visa: Compare with other Swiss credit cards and apply online for free!One app. Overall, the UBS Visa Signature is a lack-luster rewards credit card that is lifted by the exceptional service from UBS Concierge. SwatchPAY! works with many credit card and debit card issuers and continues to grow its network of participating banks. now – including the UBS Disruptive Technology CEO Summit and UBS Tech Connect. The foundation selects programs that improve. UBS Mastercard Excellence (CHF,EUR,USD) UBS. Featured Review. The UBS Visa Signature® credit card rewards and benefits guide. Credit cards; Giving Giving. BHG Organizational Excellence Program certification is an exceptional milestone, with global recognition of UBS’s Human Capital Management achievement. UBS. APR for balance transfers 0% introductory APR for twelve billing cycles for balance transfers within 90 days of account opening. Applies for withdrawals with the UBS Debit Card from the UBS Personal Account. Gregory Richardson. 0 mpd for FCY spending. If you have a UBS Platinum credit card or. For the last few years, we have tended to reward the big Swiss houses, UBS and Credit Suisse, who have scale, history and the advantages of being. 5% cash back on all purchases: $0: Students who. 15% discount in Switzerland and abroad. 1 When you use your credit card to access cash, there must be sufficient funds in your UBS account to repay the cash advance that night or you will incur applicable cash advance fees and interest charges. Price in the first year: CHF 100, then CHF 200 per year. Attraktive Wechselkurse, ohne Bearbeitungszuschlag. UBS. APR for balance transfers 0% introductory APR for twelve billing cycles for balance transfers within 90 days of account opening. Make an appointment. UBS E-Banking/app UBS Mobile Banking 8 App UBS Access 8 UBS TWINT 9 UBS Safe 9 . m. It won this award last year and the one before that – and the one before that. For all other inquiries related. Guides and publications. 49% This APR will vary with the market based on the Prime Rate. CHF 5,000. UBS Mastercard Business Card CHF; UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global Prepaidkarte; UBS Mastercard Global Standard Kreditkarte; UBS Mastercard Gold (CHF,EUR,USD) UBS Mastercard Gold International (CHF,EUR) UBS Mastercard Platinum (CHF,EUR,USD) UBS Mastercard Prepaid CHF; UBS. 49% This APR will vary with the market based on the Prime Rate. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. UBS. Book a demo. Only for a short time: it pays to take a second look. 4 Learn more about the UBS Visa Signature® credit card. You can choose between a UBS MasterCard Gold. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 17. View bio. 1 . 75% of your total credit card spending2 every year to the UBS Optimus Foundation. BHG Organizational Excellence Program certification is an exceptional milestone, with global recognition of UBS’s Human Capital Management achievement. Remember, with My Choice Rewards, you can turn your rewards points into a luxurious hotel stay. 49% This APR will vary with the market based on the Prime Rate. Interesting information on accounts and cards. m. SwatchPAY! works with many credit card and debit card issuers and continues to grow its network of participating banks. In this case, please contact our customer service hotline (+41 44 828 39 61, available 24 hours a day, 365 days a year) to remove your UBS Credit or Prepaid Card from Apple Pay. Mastercard Business Card:. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. 15% discount in Switzerland and abroad. Gold Credit Card information sheet. Von SwatchPAY! unterstützte Karten. Under Debit cards, click on Options for use and temporary deactivation. To UBS Visa Infinite Credit Cards is ampere true. Download all the human resources policies, letters, templates, forms, and formats you need to manage employees at your business. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 17. Along the way invested assets in the region passed the $500 billion mark for the first time, hitting $560 billion by the end of the year, with $25 billion of net new money. The fee for replacement cards is 20 francs. If you have a UBS Gold Credit Card or a UBS key4 premium card and you pay for a Priority Pass lounge visit for EUR 30 in advance, you will not be charged the annual membership fee of EUR 89. The company works across four divisions: wealth management, asset management, personal/corporate banking and investment banking. m. UBS Mastercard Business Card CHF; UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global Prepaidkarte; UBS Mastercard Global Standard Kreditkarte; UBS Mastercard Gold (CHF,EUR,USD) UBS Mastercard Gold International (CHF,EUR) UBS Mastercard Platinum (CHF,EUR,USD) UBS Mastercard Prepaid CHF; UBS. Nur einige hundert Kunden besitzen sie. UBS has been recognized by Euromoney as the ‘Best bank for wealth management’ in the Middle East, Western Europe and North America. The bank’s Optimus Foundation also launched Justice Hope and Liberty,With the Infinite card, you will have the same Extended Warranty Protection plan as the Signature card. By signing the card (section 7. 49% This APR will vary with the market based on the Prime Rate. Help. "Flexible working hours" was the most mentioned Pro at Mastercard. Private Wealth Management is a division within UBS Financial Services Inc. To receive all the benefits of your card, simply add your supported card to SwatchPAY! We’re continuing to work with more banks in order to increase the support of SwatchPAY! technology. 19 UBS Operational Excellence jobs. Find answers to questions about your UBS Platinum Credit Card and browse our exclusive special offers. Zuvor erfolgte die. Cash access without the fees The CashConnect feature of the UBS Visa Signature credit card allows you to get cash at banks and ATMs worldwide without paying cash advance fees or finance charges, provided there are sufficient available funds in your UBS account to repay the. Card currency: CHF. So it is with UBS. The history of the credit card begins in 1887 in the utopian science fiction novel “Looking Backward 2000–1887” by American author Edward Bellamy. * The UBS Visa Signature credit card fitsSwatchPAY! can be used with many of the major credit cards and debit cards of leading banks. 3 An annual rate of 13% from the transaction date is. It returns up to 1. * Rates & Fees. UBS transfers 0. Angebot einholen anrufen: 51% / 49% ideales alter: 04862-2019681 liebe freunde zu finden. UBS. Besuchen Sie uns in Ihrer Nähe. While other cards may offer higher. UBS. UBS Financial. Credit cards that offer price protection in 2022. UBS Mastercard Global Cards Reviewed. Priority Pass membership with four entrances to airport lounges included. About us. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global Prepaidkarte;Using the UBS Optimus Foundation Credit Card Eco is a simple and direct way to make a commitment to the children of this world with every transaction you make. COPYRIGHT & USAGE . Using the UBS Optimus Foundation Credit Card Eco is a simple and direct way to make a commitment to the children of this world with every transaction you make. Für Weltenbummler. ConsenSys, a key player in crypto and a major proponent of the Ethereum blockchain, has raised a $65 million funding round from J. Inc. The UBS Visa Signature credit card offered by UBS Bank USA is packed with features, benefits and rewards that you can enjoy just by doing the things you do every day. * Kostenlos für 15- bis 25-Jährige und für Studierende bis 30 Jahre. Information and tips are available at swiss-payment. „Voraussetzung, um eine solche. Belgium. “We are offering our clients brand-new sustainable finance tech solutions to support them in achieving their sustainability goals,” says Tummers. "Long hours". © Invis Wearables UK. In Euromoney’s private banking and wealth management survey for 2022 the Swiss bank held off a stern challenge from JPMorgan to be named once again as the leading provider in the region. By doing so, you can help to open up new prospects for thousands of children. UBS Visa Card Gold. Santander. Subscribe to receive updates, access to exclusive deals, and more. Ihre bewertung 0 zeichen min: datingtipps berlin friedrichshain - world signia - world signia - ubs mastercard excellence - gaststätte und dating seiten ab 19. UBS. It established a leveling-up strategy based on five key pillars through Agile@UBS, quarterly business reviews and digital roadmaps, modern technology,. To receive all the benefits of your card, simply add your supported card to SwatchPAY! We’re continuing to work with more banks in order to increase the support of SwatchPAY! technology. ch analyzed the new UBS debit cards and answers the most important questions in this review. You are connecting to a new website; the information provided and collected on this website will be subject to the service provider’s privacy policy and terms and conditions, available through the website. Your card is available immediately. October 27, 2020 - Benjamin Manz. UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global Prepaidkarte;The UBS Visa Signature credit card offered by UBS Bank USA is packed with features, benefits and rewards that you can enjoy just by doing the things you do every day. So if your bank is not on the list, kindly check back again soon. And the division made a profit of $1. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 17. S. Standing behind your UBS Preferred Visa Signature® credit card is a dedicated UBS team, committed to delivering the high level of service you expect. The Learning Journey contains five program modules. Always sign new credit cards straight away – on the signature strip at the back. If you are a current client of UBS and are registered for UBS Online Services, first download the UBS Financial Services app. By doing so, you can help to open up new prospects for thousands of children. To receive all the benefits of your card, simply add your supported card to SwatchPAY! We’re continuing to work with more banks in order to increase the support of SwatchPAY! technology. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. Using the UBS Optimus Foundation Credit Card Eco is a simple and direct way to make a commitment to the children of this world with every transaction you make. Blocking a credit card. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 23. 25bn takeover of Credit Suisse, a deal orchestrated by Swiss regulators in March, is set to be complete within a matter of weeks. Popular help topics. Meyer describes how UBS CH is meeting the challenge of moving from successful—but siloed—use cases, toward a more. 1 Not exceeding your credit card limit. Ancillary airline fees NOT charged by the Cardholder’s airline of choice (e. Easily log in to Digital Banking • E-banking: open login page, sca…Jun 2013 - Present. The UBS MasterCard Excellence was. (MA) UBS 2023 FinTech Leaders Conference (Transcript) Sep. Visa / World Mastercard for partners: CHF 50 per year. Annual fee: $495*. Partnerkarteninhaber¹ (nachstehend «Karteninhaber») von UBS Visa- und / oder UBS Mastercard-Kreditkar ten (nachstehend «Karte»). Optional with Travel Insurance Plus. SwatchPAY! arbeitet mit zahlreichen Kredit- und Debitkartenherausgebern und weitet sein Netzwerk teilnehmender Banken auch weiterhin aus. Managing Director–Wealth Management. . or a UBS MasterCard Platinum, depending on you. You can pay online or in person in stores. 25 billion) for Credit Suisse, about 60% less than the bank was worth when markets closed on Friday. UBS Visa Signature credit card, and your phone is covered if it’s damaged or stolen. The UBS Visa Infinite Credit Card * is a solid but lesser-known premium travel rewards card. APR for balance transfers 0% introductory APR for twelve billing cycles for balance transfers within 90 days of account opening. Czech Republic. Answers to frequently-asked questions and instructions. VISA, VISA SIGNATURE and VISA. The company provides card transaction acquiring and payment solutions for UK & EU merchants, is a member of the European Payments Group, and holds a Principal. Personal account and sustainable savings account. Explore job and career opportunities at Mastercard's office locations around the world. Montag bis Freitag | 08:00 – 18:00 Uhr. General Terms and Conditions for the Use of UBS Prepaid Cards. December 7, 2022 12:30 PM ET. Add to Apple Calendar;. New York 15 Jul 2020, 16:00 CEST. UBS. UBS has launched new credit cards which it markets as having favorable conditions for international payments. Use of UBS credit cards. Get two credit cards, one Visa and one Mastercard, for the price of one. Raiffeisen Mastercard Gold Kreditkarte (Raiffeisen Bank International) Raiffeisen Mastercard Platinum Kreditkarte (Raiffeisen Bank International) Sparda Bank. And you will have the same Roadside Assistance as the Signature card. More about the Maestro card. Christine Shreeve. UBS Launches Visa Debit and Debit Mastercard. Apac profits for UBS Global Wealth Management grew from $560 million in 2019 to $1. The origin of the credit card. 49% This APR will vary with the market based on the Prime Rate. Mastercard Incorporated (NYSE:NYSE:MA) UBS 2022 Global TMT Conference Call December 7, 2022 12:30 PM ETCompany ParticipantsCraig Vosburg - Chief Product. 2 KeyClub-Punkte je CHF 1 000 Ausgaben. As a UBS Private Wealth Management team, we connect you to firmwide experts, thought leaders and premier resources to address your most important goals. als Zweit- oder Partnerkarte bestellt werden: UBS Mastercard Excellence, Mastercard Gold International und Visa Card in Fremdwährungen. UBS transfers 0. UBS Mastercard Excellence. By doing so, you can help to open up new prospects for thousands of children. At Swiller Lederfine Wealth Management, we understand not only what it takes to build, preserve and pass on wealth, but also how these decisions can impact the future well-being of our clients—successful business owners, executives and most important—families. 8 cents per point in value toward travel redemptions (more. In addition, the UBS MasterCard Excellence. We’ll work together, focused on your financial world so you can focus on your game. We would like to show you a description here but the site won’t allow us. Full Results. Belgium. 88 billion. There is no annual UBS Card Program fee for UBS clients at the Select level. Beyond professional realms, I am committed to employee engagement activities, actively managing and leading initiatives that foster a positive workplace culture. Let AI do the work. At the heart of learning and progressing as an engineer or developer at UBS, stands the DE framework, which consists of three levels – Technology Fellow (highest level), Distinguished Engineer, and Certified Engineer. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. The bank has local wealth management presence in Brazil, Mexico, Panama, Uruguay, Colombia and Chile, as well as Latin American coverage centres in. About us. SwatchPAY! works with many credit card and debit card issuers and continues to grow its network of participating banks. , wireless internet, Global Entry, and TSA charges) do not qualify for statement credits. UBS Mastercard Business Card CHF; UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global Prepaidkarte; UBS Mastercard Global Standard Kreditkarte; UBS Mastercard Gold (CHF,EUR,USD) UBS Mastercard Gold International (CHF,EUR) UBS Mastercard Platinum (CHF,EUR,USD) UBS Mastercard Prepaid CHF; UBS. UBS Visa Infinite Approved ($65k CL) Was in search of another premium credit card and after some research I ultimately decided on the UBS Visa Infinite Credit Card. developed for clients who expect the most. UBS. This brochure was created to help you take full advantage of your card, including such perks as accessing any airport clubs worldwide. Czech Republic. Luxurious travel rewards credit cards are a rare creature in the credit card world, and the UBS Visa Infinite Card is an excellent example of the breed. Czech Republic. Please turn it on or check if you have another program set to block cookies. The UBS Card Program offers you world-class rewards, benefits and services reserved especially for clients at the UBS Select Level. The UBS Center is a main funding body for top academic talent at the Zurich University’s Graduate School of Economics. 1. UBS is a Swiss financial services firm for individual, corporate and institutional clients. The UBS Visa Signature ® credit card offers you better benefits, enhanced rewards and points that will never expire. m. They were established in 1992 and were the first of their kind in the global banking industry. Contact your bank for more details if your card is from a bank that works with us but does not use SwatchPAY! Austria. Die UBS MasterCard Excellence ist eine Luxus-Kreditkarte, die seit 2005 in Deutschland erhältlich ist und von der United Bank of Switzerland, kurz UBS, sowie MasterCard Europe angeboten wird. Euromoney's Awards for Excellence are the awards that matter to the banks and bankers who matter. Up to four Platinum Credit Cards (Mastercard / Visa) for worldwide flexibility at an all-inclusive price With Priority Pass and four free airport lounge visits per calendar year Including comprehensive insurance such as travel, cancellation and excess insurance for car rental No annual fee Earn 5,000 bonus points after you spend $1,000 in card purchases within your first 12 months. Maximum sum insured per claim. Choose your favorite LAKS Pay Wearable. investor. Take a walk through the mechanics of credit cards and see examples that can help you tailor your approach. We ask for your understanding that we cannot provide you with answers to all your questions today. Termin vereinbaren. The automatic transfers used to pay off your CashConnect cash advances will reduce the available. UBS Card Center’s fraud team used the latest artificial intelligence and machine learning. UBS Visa Infinite Credit Card. Possible extra charges. UBS key4 credit or prepaid card. Quick Links. Ultra-rich clients are concerned that the acquisition will impact the bank's white-glove service. General Terms and Conditions for the Use of UBS Credit Cards. We therefore recommend that you block your card immediately. r individual requirements. Therefore, please choose the right bank account when depositing or transferring money. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. Points aren’t what makes this card so impressive, however. The integration of UBS credit card transactions into the Yokoy app enables automatic data reconciliation for effective spend management. When you use your UBS Optimus Foundation Credit Card you are supporting a good cause: a portion of your card spending is used toward projects aimed at improving the protection, education and health of children. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. A UBS Digital Banking agreement is required. The UBS MasterCard Excellence was. Download the app for iPhone, ® iPad ® or Android ™. APR for balance transfers 0% introductory APR for twelve billing cycles for balance transfers within 90 days of account opening. UBS Mastercard Excellence (CHF,EUR,USD) UBS. UBS Financial Services Inc. Overall, the UBS Visa Signature is a lack-luster rewards credit card that is lifted by the exceptional service from UBS Concierge. UBS transfers 0. They are entitled to involve additional data processors as necessary. Expiration: 2/29/2024 Review Code: IS2300943. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. 8 ; Details see page 24. In addition, the UBS MasterCard. APAC - Conrad Hong Kong, Hong Kong - July 25, 2023. E-banking for SMEs. Activate your wearable with the LAKS PAY App. Melissa Corrado-Harrison. g. Simple and direct access to your funds—worldwide Discover our UBS key4 credit cards - available in a bank package with account, card, TWINT and many extras. COPYRIGHT & USAGE . 6 7 : Free of charge in the frst six months for new clients. UBS Basic Mastercard. View bio. Result oriented and customer focused professional having around 15 years of IT experience across Credit Risk-IB, Credit Cards (Retail, Corporate and Prepaid Cards) and Retail Internet Banking (Payments) Domain, across multiple Technologies, in different roles as Project Manager, Data Engineer, Business Analyst, On-site Coordinator, Test Lead and. To receive all the benefits of your card, simply add your supported card to SwatchPAY! We’re continuing to work with more banks in order to increase the support of SwatchPAY! technology. Member SIPCWith UBS Digital Banking, managing your financial transactions is simple, fast and practical, whether you're on the move or at home. Explore our store with a selection of more than 250 wearables Mit einer Mastercard zahlen Sie weltweit und flexibel – auch bargeldlos. Classic Credit Card. You can earn one rewards point for every dollar spent with either the UBS American Express ® Card or the UBS Visa Signature ® credit card. So if your bank is not on the list, kindly check back again soon. In the first quarter of 2021, invested assets hit a record high of $3. Contact your bank for more details if your card is from a bank that works with us but does not use SwatchPAY! Austria. Middle East - Shangri-La, Dubai - June 21, 2023. 20% discount in Switzerland and abroad. 5% for payments with UBS key4 prepaid and credit cards. Using the UBS Optimus Foundation Credit Card Eco is a simple and direct way to make a commitment to the children of this world with every transaction you make. Optional. Member FINRA. 1 billion in 2020; a near doubling of profitability in the middle of a pandemic. SPARDA Debit Mastercard. But numbers alone do not do it justice. General Terms and Conditions for the Use. Die Kreditkarte besitzt eine goldene Aufschrift und ein Design, das in tiefem Blau gehalten ist. UBS Visa Infinite credit cardholder to participate in this offer. Visa / World Mastercard for partners: CHF 25 per year. We would like to show you a description here but the site won’t allow us. For Android and iOS . Boca Raton, FL, Jan. What should I do if my V PAY / Maestro / Visa ? Mastercard debit card has been retained? ATMs are serviced regularly, and different banks have different procedures in place for dealing with retained cards. Independent Swiss online comparison service moneyland. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 17. Technology Fellows are individuals who are recognized for their eminent contributions to engineering. 75% of your total credit card spending2 every year to the UBS Optimus Foundation. Customers of Swiss banking giant. r individual requirements. Increasing your limit. You can also nominate someone close to you to enjoy. S. Your UBS Visa Infinite credit card account must remain in good standing in order to receive the statement credit. 1 trillion and the bank posted a pre-tax profit of $1. Online Services (US Client Account Access) UBS One Source (Corporate Stock Plans) Benefits of Enrolling. Powered by ShopifyBoca Raton, FL, Jan. The UBS Card Program offers you world-class rewards, benefits and services reserved especially for clients at the UBS Select Level. Gold Credit Card information sheet. HSBC Premier World Elite Mastercard® credit card. Attractive exchange rates. Mastercard; UBS Mastercard Business Card CHF; UBS Mastercard Excellence (CHF,EUR,USD) UBS Mastercard Global Premium Kreditkarte; UBS Mastercard Global. So, get some business done while dining or treat yourself and your family for a nice dinner—takeout or delivery. There is likely going to be a shotgun wedding this weekend. Learn how to add your bank to our growing network of partners. Visit a branch near you. LanguageOur Verdict. 31, 2022 (GLOBE. Their perks and tools are impressive; redemption rules are complex. UBS Optimus Foundation Charity Card Visa. UBS. COPYRIGHT & USAGE . Card currency: CHF. The card earns 3X points on airfare, 2X on gas and groceries, and 1X on everything else. 1. Card Program Level UBS Visa Infinite credit card UBS Visa Signature credit card Annual Percentage Rate (APR) for purchases 17. 1 billion in 2020; a near doubling of profitability in the middle of a pandemic. Get started today—download the free UBS Financial Services app for iPhone or Android. $500 Annual Credit As a UBS Visa Infinite credit card account. Apac profits for UBS Global Wealth Management grew from $560 million in 2019 to $1. By doing so, you can help to open up new prospects for thousands of children. 24/7 concierge service. It established a leveling-up strategy based on five key pillars through Agile@UBS, quarterly business reviews and digital roadmaps, modern technology, automation and engineering excellence. So if your bank is not on the list, kindly check back again soon. Contact your bank for more details if your card is from a bank that works with us but does not use SwatchPAY! Austria. 1. 1 Upon acceptance of the card application by UBS, the main --1. 212-713-3077. Belgium. Thrilled to share my second published piece on the Mastercard Newsroom, detailing Mastercard and. Read more about our integration of Credit Suisse and what it means for you. You must be an eligible U. The Swiss Payment Association (SPA) makes an important contribution to the responsible use of credit cards. | BILANZ. This isn’t the only service that UBS clients will benefit from. Myles Wittenstein.