{"database": "bankproducts", "table": "product_feature", "is_view": false, "human_description_en": "where product_id = \"bivial:corporate_account\"", "rows": [["bivial:corporate_account:pf:18plus_currencies", "bivial:corporate_account", "pricing_condition", "18+ account currencies; cross-currency to 90+ countries / 70+ currencies", "Account holding in 18+ currencies. Core currencies for fee purposes: CHF, EUR. \"Other Currencies\" rate (CHF 10 SWIFT) for the remaining 16+. Cross-currency outgoing payments via VISA rails to 90+ countries from CHF/EUR/GBP/USD accounts only.", null], ["bivial:corporate_account:pf:art_1b_licence", "bivial:corporate_account", "pricing_condition", "Art. 1b BankG fintech licence", "Verbatim from PDF: \"Bivial AG is a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act, Article 1b.\" Deposit-taking permitted up to CHF 100M aggregate. NOT covered by esisuisse (CHF 100k deposit insurance).", null], ["bivial:corporate_account:pf:lack_of_contact_3yr", "bivial:corporate_account", "pricing_condition", "CHF 200/month lack-of-contact fee after 3 years inactivity", "Per Art. 45 Swiss Banking Ordinance (BankV), accounts become formally \"dormant\" only after 10 years. Bivial introduces a separate \"lack-of-contact\" fee that bites at year 3 \u2014 CHF 200/month \u2014 until either contact resumes or the 10-year dormancy threshold passes. Aggressive vs Swiss-bank norm of CHF 0-50/month after 1-2 years inactivity.", null], ["bivial:corporate_account:pf:swiss_banking_secrecy", "bivial:corporate_account", "pricing_condition", "Swiss banking secrecy + Swiss data protection", "Verbatim from PDF: \"Your data is protected under Swiss banking secrecy and applicable data protection requirements\". Bivial markets the Swiss banking secrecy umbrella explicitly \u2014 a feature of being licensed under BankG rather than e.g. an EMI.", null], ["bivial:corporate_account:pf:vat_inclusive", "bivial:corporate_account", "pricing_condition", "All fees are VAT-inclusive", "Verbatim from PDF: \"All fees and charges listed, including those for Payment Transactions, are subject to and are inclusive of VAT.\" Notable: most Swiss banks quote net-of-VAT prices; Bivial includes VAT in headline figures.", null]], "truncated": false, "filtered_table_rows_count": 5, "expanded_columns": [], "expandable_columns": [[{"column": "product_id", "other_table": "product", "other_column": "id"}, "name"]], "columns": ["id", "product_id", "feature_key", "feature_value", "note", "source_page"], "primary_keys": ["id"], "units": {}, "query": {"sql": "select id, product_id, feature_key, feature_value, note, source_page from product_feature where \"product_id\" = :p0 order by id limit 101", "params": {"p0": "bivial:corporate_account"}}, "facet_results": {}, "suggested_facets": [], "next": null, "next_url": null, "private": false, "allow_execute_sql": true, "query_ms": 13.106996000033178, "source": "bankproducts.info", "source_url": "https://bankproducts.info", "license": "CC-BY-4.0", "license_url": "https://creativecommons.org/licenses/by/4.0/"}