I have been a UBS client for nearly 40 years. I also bank with several other banks. UBS stands out as the best overall, with an outstandingly good web interface, and an excellent round-the-clock telephone service, which is generally answered without delay.As far as pricing is concerned, as a HNWI individual, I am paying more than most people earn in fees, but it is still a very good deal as far as the private banking market place is concerned for the amount involved. Perhaps I could get cheaper in another bank, by negotiating, but then I would lose out on the great web interface that UBS offers.Commissions on stock exchange and forex are excellent, and ordinary transactions such as payments etc are free of charge.You can do everthing on line including stock exchange, and forex, with instant feedback about the progress of your orders. UBS have a number of very useful services including a tax efficient discretinary investment management service which I also use. They had a negative year in 2022 and a positive year in 2023 (which didn't recoup the 2022 loss) but when I compare their returns with what other banks achieved and what world equities did, I believe that the total reuturns so far are fine.Thanks to their excellent service and good pricing I have directed new funds to UBS rather than to my other wealth management banks.There's nothing negative I can say. Everything just works and is easy to use.
