How to Analyze Your UBS Statement

Step 2: Know what you are looking for

A UBS statement is a long list of debits and credits. Most people skim it and miss the money that quietly leaves every month. Here is what actually deserves your attention.

• Recurring charges. Any amount that shows up at roughly the same time, every month or every quarter, with the same merchant name. These are the backbone of your fixed costs and the easiest place to find waste.
• Subscriptions. Streaming, software, apps, cloud storage, gym, news, that one trial you forgot to cancel. On a UBS statement they appear as card payments, often in a foreign currency, which makes them easy to overlook.
• Account and card fees. Look for the monthly account maintenance fee, the annual card fee, and any charges for paper statements or extra services. Individually they look small. Over a year they add up to real money.
• FX and foreign-currency charges. This matters a lot in Switzerland. Any payment made in EUR, USD, GBP or another currency usually carries a conversion markup plus, on some cards, a foreign-transaction fee. If you buy software, travel, or shop online in foreign currencies, this can be one of your biggest hidden leaks.
• Standing orders and direct debits. Rent, insurance, loan repayments and regular transfers you set up once and never reviewed. Check that each one is still correct and still wanted.

Doing this manually means scrolling the PDF, marking every recurring line, grouping them by category, and adding up the fees and FX markups yourself. It works, but it is slow and easy to get wrong, especially when the same subscription bills in a different currency each month.

Step 3: Let FLOW read the statement for you

This is the part that turns an hour of spreadsheet work into a few minutes. With VESTELON FLOW you upload the same UBS PDF you just downloaded, and the AI reads it the way a careful analyst would, then hands you a plain-language summary.

From one statement, FLOW shows you:

1. Where your money actually goes. Your spending grouped into categories so you can see the shape of your month at a glance, instead of a wall of transactions.
2. Leaks. Recurring charges and patterns that look like money draining out: duplicate services, creeping costs, things you pay for but barely use.
3. Subscriptions. A clean list of what bills you on a repeating basis, including the ones hiding inside foreign-currency card payments.
4. Fees and FX costs. The account fees, card fees and foreign-currency markups pulled out and totalled, so the Swiss cost of paying abroad stops being invisible.
5. Survival months. A read on how long your money would last at your current pace, which is the single most useful number most people never calculate.

The point is not just a prettier statement. It is that you see the decisions hiding in the numbers: the subscription to cancel, the FX habit to fix, the fee to question with your bank.

Privacy: one upload, no linking

FLOW is built around a simple idea. You upload one statement and get one read. There is no UBS login, no account linking, no open banking connection, no ongoing access to your finances. You are not handing over credentials or letting anything sit connected to your bank in the background. You bring a file, you get an answer, and you stay in control of it. For anyone who is cautious about banking data, and in Switzerland most people are, that boundary is the whole design.

A quick checklist

• Download a full month as PDF from UBS e-banking or the app.
• Grab each account separately so card fees and FX are not missed.
• Scan for recurring charges, subscriptions, account and card fees, FX markups and standing orders.
• Upload to VESTELON FLOW to get leaks, subscriptions, fees and survival months read for you, with no login.
• Act on the one or two biggest leaks first. That is where the money is.

FAQ

Where do I download a UBS statement? From UBS e-banking on the web or the UBS mobile app, in the section for account documents or statements. Choose the account and period, then export a PDF. Menu names shift between app versions, so look for documents or statements rather than an exact label.

What UBS charges are easiest to miss? Foreign-currency markups and foreign-transaction fees on card payments, plus small recurring subscriptions billed in EUR or USD. They look tiny per line but add up over a year, which is exactly what FLOW totals for you.

Do I have to connect my UBS account? No. FLOW reads a single statement you upload. There is no login, no account linking and no ongoing access, and your first report is free.