UBS is considered a "too big to fail" institution. It holds strong capital ratios, with a common equity tier 1 (CET1) ratio of 14.8% as of late 2025. In April 2026, Fitch Ratings upgraded the group's long-term rating to 'A+' with a stable outlook.
Mixed; praise for friendly branch staff vs. complaints about deteriorating service post-merger. ~1.9 / 5.0 ubsbank
Positive feedback on credit card rewards (3x points on airfare) and feeling "valued" despite not being ultra-wealthy. UBS is considered a "too big to fail" institution