id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
biene:hypothek_geldmarkt:min,biene:hypothek_geldmarkt,biene,service_fee,Minimalbetrag,100000.0,CHF,one_time,,,min CHF 100k; SARON-basiert + individuelle Marge,1,,pro
biene:beratung_premium:min,biene:beratung_premium,biene,minimum_fee,Minimumgebuehr,1000.0,CHF,annual,,,,1,,pro
biene:beratung_individuell:min,biene:beratung_individuell,biene,minimum_fee,Minimumgebuehr,750.0,CHF,annual,,,,1,,pro
biene:beratung_basis:min,biene:beratung_basis,biene,minimum_fee,Minimumgebuehr,250.0,CHF,annual,,,,1,,pro
biene:execution_only:tax_stmt,biene:execution_only,biene,custody_fee,Steuerauszug Schweiz,100.0,CHF,annual,,,"min CHF 100, pro Position CHF 5",1,,pro
biene:execution_only:depot_min,biene:execution_only,biene,minimum_fee,Depotgebuehr Minimum,50.0,CHF,annual,,,,1,,pro
biene:karten_reisegeld:annual_fee,biene:karten_reisegeld,biene,annual_fee,Karten Jahresgebuehr,40.0,CHF,annual,,,"Debit Mastercard Jahresgebuehr CHF 40 (per Privatkonto Factsheet). Kreditkartenpreise (Clientis Mastercard Silber/Gold, Visa Classic/Gold) gemaess separatem Factsheet.",,2026-02-24,free
biene:privatkonto:debit_card,biene:privatkonto,biene,annual_fee,Debit Mastercard,40.0,CHF,annual,,,,1,,free
biene:kontokorrent:debit_card,biene:kontokorrent,biene,annual_fee,Debit Mastercard,40.0,CHF,annual,,,,1,,free
biene:privatkonto:closure_fee,biene:privatkonto,biene,closure_fee,Saldierungsspesen Privatkonto,15.0,CHF,one_time,,,Kontoabschluss jaehrlich per 31.12. gebuehrenfrei; Saldierung CHF 15. Source: BBR_IT_120 Privatkonto Factsheet.,,2026-02-24,free
biene:mitgliedersparkonto:closure_fee,biene:mitgliedersparkonto,biene,closure_fee,Saldierungsspesen Mitgliedersparkonto,15.0,CHF,one_time,,,Saldierungsspesen CHF 15.,,2026-02-24,free
biene:privatkonto:closure,biene:privatkonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:kontokorrent:closure,biene:kontokorrent,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:eurokonto:closure,biene:eurokonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:mietzinskonto:closure,biene:mietzinskonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:vereinskonto:closure,biene:vereinskonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:fremdwaehrungskonto:closure,biene:fremdwaehrungskonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,,1,,free
biene:mietkautionskonto:closure,biene:mietkautionskonto,biene,account_closing,Saldierungsspesen,15.0,CHF,one_time,,,Nur mit Unterschrift Mieter und Vermieter,1,,free
biene:privatkonto:account_mgmt,biene:privatkonto,biene,account_mgmt,Kontofuehrungsgebuehr,3.0,CHF,monthly,,,Gebuehrenfrei ab Gesamtvermoegen CHF 25000 oder Hypothek,1,,free
biene:mitgliedersparkonto:nichtkuendigungs_kommission,biene:mitgliedersparkonto,biene,penalty_fee,Nichtkuendigungskommission,2.0,percent,per_transaction,,,"Wenn Rueckzugsbedingungen (CHF 20k/Monat, darueber 3 Monate Kuendigung) nicht eingehalten werden: 2% Kommission auf Ueberschreitungsbetrag. Source: BBR_IT_150 Mitgliedersparkonto Factsheet. EDITORIAL: same 2% number as EKR (PR #127), suggesting Clientis-federation-wide convention.",,2026-02-24,free
biene:sparkonto18:penalty,biene:sparkonto18,biene,withdrawal_excess_fee,Nichtkuendigungskommission,2.0,percent,per_txn,,,2% auf Betrag der ueber CHF 20000/Monat hinausgeht,1,,free
biene:mymix_sparen:penalty,biene:mymix_sparen,biene,withdrawal_excess_fee,Nichtkuendigungskommission,2.0,percent,per_txn,,,2% auf Betrag der ueber CHF 20000/Monat hinausgeht,1,,free
biene:execution_only:courtage_ww,biene:execution_only,biene,transaction_fee,Courtage Ausland (Tier 1),1.6,percent,per_txn,,,min CHF 100; e-Banking flat CHF 40 (60% Rabatt),1,,pro
biene:vv_deluxe:capgain_lt1m,biene:vv_deluxe,biene,mgmt_fee,All-in Kapitalgewinn <=CHF 1m,1.4,percent,per_annum_pct,,,,1,,pro
biene:vv_deluxe_esg:growth_lt1m,biene:vv_deluxe_esg,biene,mgmt_fee,All-in ESG Wachstum <=CHF 1m,1.4,percent,per_annum_pct,,,,1,,pro
biene:vv_deluxe:growth_lt1m,biene:vv_deluxe,biene,mgmt_fee,All-in Wachstum <=CHF 1m,1.3,percent,per_annum_pct,,,,1,,pro
biene:vv_deluxe_esg:balanced_lt1m,biene:vv_deluxe_esg,biene,mgmt_fee,All-in ESG Ausgewogen <=CHF 1m,1.3,percent,per_annum_pct,,,thematische VV +10bp ggue Deluxe,1,,pro
biene:vv_deluxe:balanced_lt1m,biene:vv_deluxe,biene,mgmt_fee,All-in Ausgewogen <=CHF 1m,1.2,percent,per_annum_pct,,,,1,,pro
biene:execution_only:courtage_ch,biene:execution_only,biene,transaction_fee,Courtage Inland (Tier 1),1.1,percent,per_txn,,,min CHF 80; e-Banking flat CHF 30 (60% Rabatt),1,,pro
biene:vv_deluxe:income_lt1m,biene:vv_deluxe,biene,mgmt_fee,All-in Einkommen <=CHF 1m,1.1,percent,per_annum_pct,,,,1,,pro
biene:vv_deluxe:balanced_gt1m,biene:vv_deluxe,biene,mgmt_fee,All-in Ausgewogen >CHF 1m,1.1,percent,per_annum_pct,,,10bp Rabatt ab CHF 1m,1,,pro
biene:vv_fund_solution:growth,biene:vv_fund_solution,biene,mgmt_fee,All-in Strategie Wachstum,0.65,percent,per_annum_pct,,,,1,,pro
biene:vv_fund_solution:balanced,biene:vv_fund_solution,biene,mgmt_fee,All-in Strategie Ausgewogen,0.6,percent,per_annum_pct,,,,1,,pro
biene:vv_fund_solution:income,biene:vv_fund_solution,biene,mgmt_fee,All-in Strategie Einkommen,0.55,percent,per_annum_pct,,,"inkl. Depot, VV, Ueberwachung, Courtagen",1,,pro
biene:fremdwaehrungskonto:disagio,biene:fremdwaehrungskonto,biene,fx_markup,Disagio/Agio FX,0.5,percent,per_txn,,,min CHF 20 pro Ein-/Auszahlung,1,,free
biene:beratung_vorsorge:depot_fee,biene:beratung_vorsorge,biene,depot_fee,Depotgebuehr Fondsinvest,0.5,percent,per_annum_pct,,,ohne Minimumgebuehr,1,,pro
biene:execution_only:depot_fee,biene:execution_only,biene,depot_fee,Depotgebuehr,0.3,percent,per_annum_pct,,,"0.30% p.a., min CHF 50",1,,pro
biene:beratung_basis:depot_fee,biene:beratung_basis,biene,depot_fee,Depotgebuehr Basis,0.3,percent,per_annum_pct,,,,1,,pro
biene:beratung_individuell:depot_fee,biene:beratung_individuell,biene,depot_fee,Depotgebuehr,0.3,percent,per_annum_pct,,,,1,,pro
biene:beratung_premium:depot_fee,biene:beratung_premium,biene,depot_fee,Depotgebuehr,0.3,percent,per_annum_pct,,,,1,,pro
biene:kontokorrent:booking,biene:kontokorrent,biene,transaction_fee,Buchungsspesen,0.2,CHF,per_txn,,,pro Buchung,1,,free
biene:eurokonto:booking,biene:eurokonto,biene,transaction_fee,Buchungsspesen,0.2,CHF,per_txn,,,pro Buchung,1,,free
biene:mietzinskonto:booking,biene:mietzinskonto,biene,transaction_fee,Buchungsspesen,0.2,CHF,per_txn,,,pro Buchung,1,,free
biene:vereinskonto:booking,biene:vereinskonto,biene,transaction_fee,Buchungsspesen,0.2,CHF,per_txn,,,pro Buchung,1,,free
biene:fremdwaehrungskonto:booking,biene:fremdwaehrungskonto,biene,transaction_fee,Buchungsspesen,0.2,CHF,per_txn,,,pro Buchung,1,,free
biene:beratung_individuell:advisory,biene:beratung_individuell,biene,mgmt_fee,Beratungsgebuehr,0.2,percent,per_annum_pct,,,10% Rabatt auf Courtage,1,,pro
biene:beratung_premium:advisory,biene:beratung_premium,biene,mgmt_fee,Beratungsgebuehr,0.2,percent,per_annum_pct,,,,1,,pro
biene:beratung_basis:advisory,biene:beratung_basis,biene,mgmt_fee,Beratungsgebuehr,0.1,percent,per_annum_pct,,,,1,,pro
biene:beratung_premium:surveillance,biene:beratung_premium,biene,mgmt_fee,Ueberwachungsgebuehr,0.1,percent,per_annum_pct,,,25% Rabatt auf Courtage,1,,pro
biene:mitgliedersparkonto:base_fee,biene:mitgliedersparkonto,biene,base_fee,Kontofuehrung Mitgliedersparkonto,0.0,CHF,monthly,,,Kostenlose Kontofuehrung fuer Genossenschafter (Cooperative member discount). Source: BBR_IT_150 Mitgliedersparkonto Factsheet.,,2026-02-24,free
biene:kontokorrent:account_mgmt,biene:kontokorrent,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:eurokonto:account_mgmt,biene:eurokonto,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:mietzinskonto:account_mgmt,biene:mietzinskonto,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:vereinskonto:account_mgmt,biene:vereinskonto,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:fremdwaehrungskonto:account_mgmt,biene:fremdwaehrungskonto,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:sparkonto18:account_mgmt,biene:sparkonto18,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:privor_3a:account_mgmt,biene:privor_3a,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,pro
biene:mietkautionskonto:account_mgmt,biene:mietkautionskonto,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:mymix_sparen:account_mgmt,biene:mymix_sparen,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:mymix_zahlen:account_mgmt,biene:mymix_zahlen,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:mymix_zahlen:debit_card,biene:mymix_zahlen,biene,annual_fee,Debit Mastercard,0.0,CHF,annual,,,"gebuehrenfrei, ab 12 Jahren",1,,free
biene:mymix_studium:account_mgmt,biene:mymix_studium,biene,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,monthly,,,gebuehrenfrei,1,,free
biene:mymix_studium:debit_card,biene:mymix_studium,biene,annual_fee,Debit Mastercard,0.0,CHF,annual,,,gebuehrenfrei,1,,free