YESbusiness
EBICS bank connection

EBICS with UBS: your UBS transactions in your accounting every morning

UBS offers EBICS access to its business customers, and YESbusiness connects to it directly: nobody between your bank and your accounting. Every morning, yesterday's statement of your UBS account arrives on its own and your entries are prepared for you. Here is how to activate it, what you get and what it does not do.

By the YESbusiness teamHow it works, verified on 22 September 2026
Try YESbusiness with UBSEverything about EBICS

UBS and EBICS in short

Type of bank
National bank
Presence
All of Switzerland
EBICS access
Offered to business customers, opened by the bank on your contract
What YESbusiness fetches
Yesterday's camt.053 statement, every morning
The bank's site
ubs.com
This page exists in
Deutsch · Français · Italiano · English

UBS in a few words

UBS is Switzerland's largest bank, present in every canton, and the bank of a great many SMEs and freelancers, former Credit Suisse clients included. Its business offering includes EBICS access, which your adviser or the corporate e-banking desk opens on your existing contract.

EBICS at UBS: what the bank publishes

What UBS says about its EBICS offer on its own pages. Terms can change: your advisor has the last word.

  • UBS's EBICS offer is called UBS KeyPort and is aimed at medium-sized and large companies; it works across several banks.
  • UBS supports EBICS 3.0 (H005); users usually do not need to be re-initialised.
  • EBICS user keys (A005, E002, X002) must be at least 2048 bits long.
  • Under EBICS 3.0 UBS uses its own UBS-specific BTF order types, configured in the software.

Sources: UBS's own pages, read on 16 October 2026: UBS KeyPort · UBS – EBICS

Connecting UBS to YESbusiness: the five steps

Two steps depend on you, one on YESbusiness, two on UBS. Allow a few minutes on your side and a few business days on the bank's.

  1. 1Ask UBS for EBICS. Through your adviser or the corporate e-banking desk. The bank opens the access on your contract and gives you a customer number (Customer ID or Partner ID) and a user identifier (User ID).
  2. 2Pick UBS in YESbusiness and enter the two identifiers. YESbusiness generates the keys of your connection, registers them with UBS's EBICS server and opens the initialization letter, which carries the fingerprints of your public keys.
  3. 3Print, sign and send the letter to UBS. Your signature is what authorizes the bank to activate the access. The letter contains no secret: only the fingerprints the bank compares with what it received electronically.
  4. 4UBS checks and activates the access. Usually within a few business days. On activation, YESbusiness fetches the bank's public keys, verifies their fingerprints and runs the first download.
  5. 5Your UBS accounts are connected. The bank sends the IBANs covered by the access; you link each one to a cash account. From there, every morning, yesterday's statement arrives and is booked with your rules.

Nobody between UBS and your accounting

YESbusiness carries its own EBICS client. It generates your keys, announces itself to UBS's EBICS server, verifies the bank's keys and downloads your statements itself. Your data travels from UBS's server to YESbusiness's server, encrypted end to end, with no aggregation platform and no robot on your e-banking.

The path your statements take with EBICSDiagram: every morning the camt.053 file goes from your bank's server to YESbusiness's server in a straight line. Below, greyed and crossed out, the third-party platform other mechanisms go through.UBSEBICS serverYESbusinessyour accountingevery morningcamt.053Third-party platformaggregator, e-banking robotNo intermediary at YESbusiness
Yesterday's statement leaves your bank's server and arrives in YESbusiness with no stop on the way. Other forms of "bank sync" go through a third-party platform that sees your data in transit.

Your UBS e-banking username and password are never asked for. EBICS rests on keys generated for your connection and on a signed letter UBS verifies.

What to know before signing the letter

  • Read-only. YESbusiness reads your UBS statements; it sends no payment order. Your transfers continue to be made in UBS's e-banking.
  • Daily, not real time. The channel delivers the end-of-day statement (camt.053) of the previous business day. A movement from this morning appears tomorrow morning.
  • UBS opens the channel. EBICS is requested from the bank, not from YESbusiness. Most Swiss banks open it free of charge for business customers; a few charge for it. Ask your UBS adviser.
  • A few days to activate. Between sending the signed letter and UBS's activation, allow a few business days. In the meantime, the camt.053 file downloaded from UBS e-banking can be imported by hand.

Frequently asked questions about EBICS with UBS

Does UBS offer EBICS?

Yes, to its business customers. It is a service the bank opens on your contract; ask your adviser or UBS's corporate e-banking desk.

How much does EBICS cost at UBS?

On the YESbusiness side, nothing beyond the subscription: the connection is included. On the bank side, EBICS is usually free in Switzerland; a few banks charge a setup fee or a flat rate. One call to your UBS adviser is enough to find out.

Do I have to give YESbusiness my UBS e-banking login?

Never. EBICS works with a dedicated access UBS opens in your name and keys generated for your connection, not with your e-banking login.

Can I pay my UBS invoices from YESbusiness?

No. YESbusiness uses EBICS read-only: it fetches your statements, it sends no payment orders. Your transfers stay in UBS's e-banking.

I have several accounts at UBS, or other banks?

One UBS EBICS connection can cover several accounts at the bank; each IBAN is linked to a cash account. Every other bank has its own EBICS connection, and a company can have as many as it has banks.

Other banks

YESbusiness is Swiss accounting, the EBICS connection to UBS and VAT returns from CHF 12.90 per month. Two-week free trial.

Try YESbusiness with UBS