Re: Exchange rate UBS
If you pay a EUR purchase with your UBS credit card, you get charged a 1.75% commission over their sell rate (typically the interbank exchange rate +1.4-1.5%). So, in total, you pay 3.2-3.3% extra per transaction.
From SEPA transfers, there is a charge of 0.30.- with the same sell rate mentioned before.
If you buy Euros on the counter or withdraw them from an UBS ATM, the banknote sell rate is used (around 2.5% on top of the interbank exchange rate for EUR if I am not mistaken, but I cannot check this out at the moment).