UBS key4
One banking app

Designing the fourth key

UBS key4 is the digital product line of UBS. It started as a mortgage platform. Enter a few details about the property and your finances, get non-binding offers from several Swiss lenders, compare rate and term, combine up to three tranches from different providers into one financing and close online. UBS stays the contact and contractual partner.

In 2022 key4 moved into the UBS Mobile Banking App as everyday banking: account, savings, cards, mobile payments and TWINT, later investing, pension 3a and mortgages. One app. The same design problem on every screen. Dense numbers. A clear next action. Enough trust that someone moves real money. A year after launch, more than 175,000 clients used it actively.

Together with the design lead, I designed the product UI. Comparison has to work offer against offer. Rate and term are the first read. Amounts stay exact. Legal copy stays on the screen without blocking the close. In the app the same hierarchy holds: find the product, read the amount, act.

key4 banking is live. Under NDA I can’t show internal screens or a full walkthrough.

Role: Product UI and brand
Agency: Process
Client: UBS Switzerland