Rather than calling UBS or going to a branch, I'm going to take the coward's way out and ask on EF first.
How do I pay off some of my credit card balance using UBS's online banking ?
I've racked up a large amount on my UBS Mastercard paying for various aspects of a big trip we're taking next year, and I'm now very close to my credit limit. I would like to make a partial payment of a few thousand CHFs to bring the oustanding debt down, so I can use it to book some more hotels, etc.
However, I'm damned if I can see an easy way to do this in UBS's online banking.
I tried going to "Account & Custody account" -> "Account Transfer", but the only accounts I can transfer between using this are my (and my wife's) "Personal" and "Savings" accounts.
I also have a "Credit Cards" link on the left, which opens up a new window with details on my credit card. I can go in there and see transactions, outstanding balance, etc, but nothing I can find about how to make payments.
Is it even possible to pay off part of the balance at arbitrary times, or do I just need to wait until the end of the month and a bill will arrive ?
Have you signed up for automated debit or not? In which case the whole balance might be deducted automatically.
I don't think there's a partial payment option however what you can do is call the card centre (number on back of card) and ask for a temporary limit increase, giving them the reason you want it for. 99% of the cases it works.
Using the orange slip they send you each month, type it in as a new payment or standing order to ebanking. Add the date and amount and you're done. Done it for years and paid off all the pool and garden expenses.
No need to justify your extravagance or tell us how close to your limit you are.
I had the same issue a few days ago and I didn't have any of the old orange payment slips to hand - I called UBS using the help number given on the internet banking credit card page and they gave me the account IBAN number which I then used to make an online payment. Pretty painless process.
Ah, that's the kind of answer I was looking for. Was the IBAN number something obviously related to the card number, and work-outable, or completely random ?
Did you do it in UBS's online banking with the "Payments within Switzerland" thingy ?
In fact you can sign up for access to your credit card account in the ebanking site. You do still have to pay using an orange slip however, even through the ebanking site. I've got a regular monthly payment, and a template to allow for spur of the moment payments.
When you have payed be sure to get a print-out. You can fax that to the in Glattusburg and they'll free up the funds on the card right away.
I've done this already (or, at least, I had to initially "activate" the credit cards on the e-banking site, then confirm with a (snail-mailed) code before I could access the "Credit Card" page I can now).
The template for your "spur of the moment" payments sounds like just what I'm after. How did you set that up ?
I'm almost surprised I don't need to pay them with a cheque.
This is straying a bit OT, but... Are there any other English-speaker-friendly banks here whose e-banking is a little bit more advanced (and integrated) ?
I have no idea about other banks. However I do know that if you sign up for "e-billing" then your payments count immediately.
Meanwhile the template thing appears as an option right after you've made a payment with an "orange slip"; just after you click submit you can save the payment as a template.
This question bothered me, too. Actually, still bothers because of the above response from UBS. I got the same and I have to tell you the procedure is pretty complicated and slow. It did take 5 days as they warned which I don't think is acceptable.
By the sounds of it, it may allow almost instant "spur of the moment" payments. But is it really so? And what are the consequences (except for getting rid of the paper bills)? Any charges for this facility? Because, as I understand, paying the credit card the above "red payment slip" way incurs some charges which is outrageous as they themselves admit that's the only way to pay it electronically. Why they didn't mention this Paynet thing then? Any idea?
I made a substantial electronic payment to my UBS credit card a couple of weeks before visiting USA (and almost a month before my usual payment date) so my account was actually in credit but they still managed to block my credit card for "over the limit" while I was in the USA. They never managed to explain why.