What Urner Kantonalbank does

Urner Kantonalbank (UKB) is a Swiss cantonal bank headquartered in Altdorf in the Canton of Uri, listed on the SIX Swiss Exchange under the ticker UKB and operating under a public mandate with the Canton of Uri as its parent/guarantor entity. Founded in 1915, the bank serves private individuals and small-to-medium enterprises (Urner KMU) within Canton Uri through a network of six physical branches (Altdorf HQ and Bahnhofstrasse, Andermatt, Bürglen, Erstfeld, Flüelen, and Schattdorf), complemented by E-Banking, the UKB Mobile Banking App, TWINT mobile payments, eBill, and QR-Rechnung processing. UKB employs approximately 104 people and structures its customer offering across two primary verticals (Privatkunden and Geschäftskunden), with associations (Vereine) as a secondary segment.

The bank's product portfolio spans tiered retail account packages (Kontopakete Klassik, Komfort, Premium, plus free Jugend and Bildung plus packages for ages 12-28), a broad mortgage suite (Festhypothek, Rolloverhypothek/SARON, variable, plus specialty Familienhypothek, Energie-Sanierungshypothek at 0.5%, and Minergiehypothek), Pillar 3a retirement accounts and depots, business and corporate banking (Geschäftskonto, EBICS, Mastercard Commercial Silber/Gold), and investment solutions (Wertschriftendepot Plus, Vermögensverwaltungsmandat, Fondssparplan, Metallkonto). Digital services include biometric-authenticated Mobile Banking (rolled out 2025), QR-Rechnung scanning, and a Digitaler Finanzassistent that automates expense categorization and tax-deductible transaction identification.

UKB's revenue model combines interest income from mortgages and loans (its primary stream), recurring account and card package fees (CHF 4-30/month tiered), investment and wealth management fees, Pillar 3a margins, and transaction-based corporate banking fees. Distribution is sales-led and relationship-driven, with in-person advisory at six branches, online appointment booking, the UKB Mobile Banking app, and the Clever@UKB financial education platform. The bank also pursues regional engagement programs (KMU-Booster for SME Net Zero transitions, Finanzkompetenz for financial literacy, Strukturimpuls for regional development) and partnerships with Weibel Hess & Partner AG for pension/insurance advisory, myky and Solarify for sustainable property financing, and Worldline for merchant payment terminals.

Name

Urner Kantonalbank

Legal name

Urner Kantonalbank

Website

https://ukb.ch

Company type

Public

Founded year

1915

Operating status

Operating

Headcount range

101–250 employees

Short description

Urner Kantonalbank is a Swiss cantonal bank headquartered in Altdorf, serving private individuals and SMEs in the Canton of Uri via six branches and digital channels, offering retail accounts, mortgages, Pillar 3a, and investment products under a cantonal guarantee.

Ownership category

akta.pro rank

Product category

Retail Banking

NAICS

Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Private Banking Lending (Securities-Backed, Real Estate, Structured Credit) (FSABADAE)

akta.pro secondary industries

Private Banking Advisory & Discretionary Portfolio Management (FSABADAD), Bank Connectivity & Channels (Host-to-host, SWIFT, APIs, EB portals) (FSABAIAF)

Keywords

• Retail banking services
• Cantonal banking Switzerland
• Mortgage lending products
• Small business banking
• Wealth management services

Headquarters

HQ city

Altdorf

HQ country

Switzerland

HQ region

Europe

Offices7 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Interest income from mortgages and lending: As a cantonal bank, UKB generates primary revenue from interest income on mortgages (Festhypothek, Rolloverhypothek/SARON, variable mortgage, energy renovation mortgage, family mortgage) and personal/business loans (Barkredit, Baukredit, Betriebskredit, Investitionskredit, Bürgschaftskredit).
2. Account and card fees: Monthly account package fees (Kontopaket Klassik CHF 4.00/mo, Komfort CHF 10.00/mo, Premium CHF 30.00/mo), debit/credit card fees, and transaction fees for coded payment orders and international transfers.
3. Investment and wealth management services: Revenue from securities custody (Wertschriftendepot Plus), asset management mandates (Vermögensverwaltungsmandat), investment advisory mandates (Anlageberatungsmandat), fund savings plans (Fondssparplan), and metal accounts (Metallkonto).
4. Pillar 3a and retirement savings products: Fees and interest margin from Vorsorgekonto 3a, Vorsorgedepot 3a, Freizügigkeitskonto, and Freizügigkeitsdepot for private retirement savings.
5. Corporate banking services: Fees from business accounts (Geschäftskonto), corporate cards (Mastercard Commercial Silber and Gold), payment processing (SEPA, international payments), EBICS file exchange, and business insurance checks.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

Urner Kantonalbank (UKB) is a Swiss cantonal bank founded in 1915 that serves private individuals and SMEs in the Canton of Uri. It offers a full-service retail and commercial banking portfolio including account packages (Kontopaket Klassik/Komfort/Premium and youth/student packages), consumer and corporate payment cards, mortgages (fixed, SARON-based, variable, energy-renovation, family, and Minergie), personal and business credit, savings accounts and term deposits, securities custody and asset-management mandates, Pillar 3a retirement solutions, and digital banking channels (E-Banking, Mobile Banking app, TWINT, eBill). The bank operates six physical branches in Canton Uri and combines relationship-driven in-person advisory with online self-service.

Product overview

Urner Kantonalbank (UKB) is a regional cantonal bank serving the Canton of Uri in Switzerland, offering a comprehensive suite of banking products and services for private and corporate clients. The bank's core digital banking platform consists of E-Banking (web-based) and the UKB Mobile Banking App (iOS/Android), which provide account management, payments, securities trading, and authentication services. Supporting digital services include TWINT (Swiss mobile payments), eBill (digital invoicing), and QR-Rechnung payments. The retail banking portfolio includes three Kontopaket tiers (Klassik, Komfort, Premium) with bundled Debit/Credit Cards, and two youth packages (Jugend, Bildung plus) targeting 12-28 year olds. Savings products span Sparkonten (savings accounts) for children, youth, and adults; Sparmixprodukte (term deposits and savings bonds including Festgeld, Kassenobligation variants); and Anlageprodukte (investment products including Fondssparplan, Wertschriftendepot Plus, Vermögensverwaltungsmandat, Anlageberatungsmandat, Metallkonto, and UKB-Anleihe). Mortgage offerings include Festhypothek (fixed), Rolloverhypothek/SARON (variable), Variable Hypothek, and specialty products for energy renovation, families with children, and Minergie-certified properties. Consumer and business credit products include Barkredit, Baukredit, Betriebskredit, Investitionskredit, and Bürgschaftskredit. Pillar 3a retirement products include Vorsorgekonto 3a and Vorsorgedepot 3a with investment fund options. Corporate banking includes Geschäftskonto, commercial card products (Mastercard Commercial Silber/Gold), and investment services. The Clever@UKB financial education platform provides content across five lifestyle topics (Mit Geld umgehen, Auf etwas sparen, Sparen fürs Alter, Anlegen, Wohnen) alongside podcasts and workshops. The bank also offers a regional engagement program including KMU-Booster for SME sustainability, Finanzkompetenz for financial literacy, and Strukturimpuls for economic development.

Differentiator

Problem solved

Functional benefit

Brands

• Clever@UKB: Financial health and literacy platform offering tips, guides, courses and a newsletter about money and finances.
• KABI
• UKB Mobile Banking

Products and services

• Kontopaket Klassik Entry-level bundled account package for adult private customers including 1 private account, 1 Debit Mastercard, free E-Banking and Mobile Banking, TWINT, and free cash withdrawals at all cantonal banks. Priced at CHF 4.00/month (CHF 2.75 with discount).
• Kontopaket Komfort Mid-tier account package for adult private customers including up to 2 private accounts, free cash withdrawals at cantonal banks and foreign banks in Switzerland 12x/year, and a Silver credit card. Priced at CHF 10.00/month (CHF 7.00 with discount).
• Kontopaket Premium Premium account package for adult private customers including up to 3 private accounts, 2 Debit Mastercards, free cash withdrawals worldwide, free counter transactions, and a Gold credit card. Priced at CHF 30.00/month (CHF 23.00 with discount).
• Kontopaket Jugend Free account package for youth aged 12–20, including a Debit Mastercard Stu with cashback deals and free banking services.
• Kontopaket Bildung plus Free account package for students and young adults aged 18–28 in education or studies, including Debit Mastercard Stu with cashback deals and extras.
• Privatkonto Basic low-fee private account for customers with few banking transactions.
• Geschäftskonto Business account for handling banking transactions and complex payment processing for companies of all sizes.
• Eurokonto Euro-denominated account for private and business customers making regular Euro payments without conversion losses.
• Fremdwährungskonto Foreign currency account for customers making regular payments in various non-CHF currencies, avoiding exchange rate fluctuations.
• Kapitaleinzahlungskonto Share capital deposit account required for company formation (AG, GmbH) and capital increases.
• Mietzinsdepot Rental deposit account for tenants required to provide a security deposit for rented property.
• Vereinskonto Association account for managing member dues, paying invoices, and administering club assets for non-profit organizations.
• Tresorfach Safe deposit box service protecting valuables, documents, jewelry, and memorabilia from theft, fire, and unauthorized access.
• Debit Mastercard Debit card enabling cashless payments worldwide, contactless and smartphone payments, online shopping, and ATM withdrawals with direct account debit.
• Debit Mastercard Stu Specialized debit card for customers under 26 and students under 28 offering cashback deals and partnership extras.
• Travel Karte Prepaid travel card combining credit card features with reloadable balance, enabling worldwide contactless payment with spending control.
• Mastercard Commercial Silber Business credit card tailored for corporate customers primarily purchasing domestically; includes one-app expense tracking, virtual single-use cards, warranty extension, purchase protection, and legal protection.
• Mastercard Commercial Gold Premium business credit card for corporate customers with high demands and international use; includes Priority Pass access to 1,600+ airport lounges and comprehensive travel insurance.
• Festhypothek Fixed-rate mortgage offering plan security and constant interest burden; interest rate can be fixed up to 18 months in advance with terms from 1–10 years.
• Rolloverhypothek (SARON) SARON-based variable money market mortgage; benefits from low market rates with immediate advantage from falling rates; convertible to fixed-rate mortgage; terms of 3–5 years.
• Variable Hypothek Variable rate mortgage offering flexibility with variable interest rates and indefinite terms; easily convertible to other mortgage types.
• Energie-Sanierungshypothek Specialty mortgage for energy-efficient renovations; offers one-time 0.5% interest rate on amounts up to CHF 100,000 for qualifying energy renovation projects.
• Familienhypothek Family mortgage with 0.5% interest rate reduction for each child under 18; maximum CHF 100,000 per child. Example: three children save CHF 7,500 over five years.
• Minergiehypothek Specialty mortgage offering one-time attractive interest rate reduction for properties meeting Minergie energy standard or planning Minergie certification steps.
• Baukredit Construction credit for financing new builds or renovations; customers settle invoices during construction phase within their financing scope and pay interest only on used amounts.
• Barkredit Personal cash loan for major purchases or financial needs; provides flexibility while maintaining financial independence.
• Betriebskredit Business credit for financing operating resources or ensuring liquidity; serves as working capital financing and liquidity reserve for corporate clients.
• Investitionskredit Investment credit for long-term financing of company fixed assets; enables ongoing financing of machinery, vehicles, and equipment.
• Bürgschaftskredit Surety-backed credit where a third-party guarantor provides security for the loan based on personal knowledge of the borrower's qualities.
• Investitionsgüter-Leasing Equipment leasing offered in partnership with Zürcher Kantonalbank; enables investment without impacting liquidity or credit limits.
• Sparkonto Savings account offering maximum flexibility with attractive interest rates for short-to-medium-term savings goals.
• Sparkonto Plus High-yield savings account offering maximum returns without sacrificing flexibility; designed for long-term savings goals with premium interest rates.
• Jugend Sparkonto Savings account for young people; complements youth account packages with returns for long-term savings goals.
• KABI-Sparkonto Children's savings account with mascot 'KABI' making saving an adventure; family-friendly extras and benefits.
• Geschenksparkonto Gift savings account for children's future wishes; wealth building until the child reaches legal age for gifting purposes.
• Sparkonto Business Business savings account for companies; ideal for surplus liquidity while maintaining flexibility.
• Festgeld Fixed-term deposit securing attractive interest rates on surplus liquidity; provides calculable returns without risk.
• Kassenobligation Savings bond with fixed interest and term; provides calculable and secure returns for medium-to-long-term financial goals.
• Kassenobligation Zinstreppe Stepped interest savings bond; offers fixed favorable interest with staggered withdrawal options for security.
• Kassenobligation mit Flex-Modul Savings bond with flexible module; combines attractive fixed interest with flexibility for maximum security.
• Fondssparplan Fund savings plan enabling systematic wealth building through regular deposits or systematic withdrawals at defined intervals.
• Wertschriftendepot Plus Securities depot offering flexible management and trading of all asset classes and securities.
• Vermögensverwaltungsmandat Wealth management mandate delegating investment decisions, portfolio management, and risk management to UKB experts within individual investment strategy.
• Anlageberatungsmandat Investment advisory mandate where clients make their own investment decisions while benefiting from individualized, portfolio-specific advice.
• Metallkonto Precious metals account for secure, cost-effective storage of valuable precious metals with risk-free custody.
• UKB-Anleihe UKB bond offering investors the opportunity to invest in a company with low risk; bondholders become creditors of the bank.
• Vorsorgekonto 3a Pillar 3a retirement savings account offering tax savings and systematic retirement planning with attractive terms and flexibility.
• Vorsorgedepot 3a Pillar 3a investment depot allowing investment of all or portions of 3a savings into investment funds for higher return potential.
• Freizügigkeitskonto Pension transfer account for receiving vested benefits when leaving a pension fund without immediately entering a new pension plan.
• Freizügigkeitsdepot Pension transfer investment depot for investing vested benefits from pension funds with potential for higher returns.
• Pensionsplanung Pension planning service offered in partnership with Weibel Hess & Partner AG; provides clarity and security for retirement through comprehensive analysis of retirement income needs.
• UKB Mobile Banking App Mobile banking application for smartphones (Android 14+ / iOS 17+) enabling account management, payments, card controls, securities trading, QR-Rechnung scanning, and E-Banking authentication via biometric login.
• E-Banking Web-based online banking platform for managing accounts, payments, securities, eBill, and digital financial assistant from a computer.
• UKB TWINT Swiss mobile payment app enabling QR-code based person-to-person transfers, merchant payments, parking and public transport payments via smartphone.
• eBill Digital invoice processing service enabling electronic receipt, review, and approval of invoices directly within E-Banking or Mobile Banking.
• Digitaler Finanzassistent Financial management tool within E-Banking that automatically categorizes expenses, identifies tax-deductible transactions, maintains subscription overview, and creates spending budgets.
• QR-Rechnung Swiss QR-code based invoice payment system; scan QR codes with smartphone or receipt scanner in Mobile Banking app, verify payment information, and authorize with a few clicks.
• Versicherungscheck Free insurance audit service offered with Weibel Hess & Partner AG; provides independent assessment of existing insurance coverage, identifies gaps, and suggests optimizations for businesses.
• Online Kontoeröffnung Digital account opening service enabling new customers to open private accounts, Pillar 3a accounts, and children's accounts online in a few steps.
• Clever@UKB Financial education and wellness platform offering guides, events, courses, tips, and newsletter covering topics of money management, savings, retirement planning, investing, and housing.
• KMU-Booster SME support initiative helping businesses in Canton Uri implement Net Zero economically and pragmatically as part of UKB's regional engagement program.
• Finanzkompetenz Financial literacy program promoting financial competence in Canton Uri through educational initiatives and workshops.
• Strukturimpuls Regional development initiative supporting economic and structural development in Canton Uri.

Quantifiable outcome

• Family mortgage saves families CHF 7,500 over five years with three children (0.5% reduction per child up to CHF 100,000 per child)
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability9 records

Feature5 records

Partnerships

One partnership is on record.

• Weibel Hess & Partner AG (WHP)coreStrategic or Co-development PartnerUKB partners with Weibel Hess & Partner AG (based in Lucerne, since 1995) for pension planning advisory services for private customers and for business insurance checks. WHP provides expertise in corporate insurance solutions and occupational pension (BVG) analysis, complementing UKB's banking products.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Luzerner Kantonalbank (LUKB): Neighboring Swiss cantonal bank of comparable size (Canton Luzern) offering the same full-spectrum retail, SME, mortgage, and wealth management banking model. Comparable in digital channels, branch footprint depth, and home-mortgage focus, with overlapping sustainability and education programming.
• Schwyzer Kantonalbank (SZKB): Direct neighboring cantonal bank serving Canton Schwyz with a similar mix of retail and SME customers, branches, and mortgage-led business model. Comparable in scale (low hundreds of employees, single-canton franchise).
• Glarner Kantonalbank (GLKB): One of the smallest publicly listed Swiss cantonal banks; comparable single-canton (Glarus) footprint, similar branch count and headcount, with retail/SME focus — among the closest pure comps for UKB's scale.
• Graubündner Kantonalbank (GKB): Mid-sized Swiss cantonal bank (Canton Graubünden) with very similar regional-canton operating model, retail/SME focus, and full digital banking suite. Comparable in product breadth and listed-company structure.
• Basler Kantonalbank (BKB): Cantonal bank serving the Basel region with a similar universal banking model, listed on SIX, comparable regulatory public-mandate structure, and analogous product set spanning mortgages, securities, and digital channels.
• Thurgauer Kantonalbank (TKB): Mid-sized Swiss cantonal bank with similar retail/SME focus, mortgage-heavy balance sheet, and digital-banking deployment model. Comparable in customer segment targeting and regional universal-bank structure.
• Appenzeller Kantonalbank (AIKB / ARKB): Small Swiss cantonal bank with very similar structural profile — single-canton franchise, sub-100k population base, listed status, and traditional retail/SME banking focus.
• Banque Cantonale du Jura (BCJ): Smallest publicly listed Swiss cantonal bank; comparable single-canton scope, retail/SME focus, and listed cantonal-bank status — close analogous regional competitor.
• Berner Kantonalbank (BEKB): Mid-sized Swiss cantonal bank serving Canton Bern, publicly listed, with the same private/SME banking focus, mortgage-heavy lending book, and digital-banking capabilities.
• St. Galler Kantonalbank (SGKB): Mid-sized Swiss cantonal bank offering the full retail/SME/mortgage/wealth banking suite in Canton St. Gallen. Comparable product mix, public-mandate and listed-company structure, and regional universal-bank positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCKtDzzdLYmt0bmSl0S1-LbQ
• Facebookfacebook.com/urnerkb
• LinkedInlinkedin.com/company/urner-kantonalbank
• Instagraminstagram.com/urner_kantonalbank
• Xx.com/ukb_ch

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Urner Kantonalbank