id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
bivial:api_sftp_connectivity:sftp_activation,bivial:api_sftp_connectivity,bivial,service_fee,SFTP Connectivity activation,2500.0,CHF,one_time,,,"One-time setup fee for SFTP channel (MT, statements, reporting). Maintenance and termination free; per-message usage CHF 0.10.",8,2026-02-10,free
bivial:corporate_account:priority_onboarding,bivial:corporate_account,bivial,service_fee,Priority contract onboarding (per entity),500.0,CHF,one_time,,,Prioritised internal processing; timelines depend on documentation and compliance.,3,2026-02-10,free
bivial:corporate_account:contract_activation,bivial:corporate_account,bivial,service_fee,Contract activation (per entity),250.0,CHF,one_time,,,,3,2026-02-10,free
bivial:corporate_account:lack_of_contact,bivial:corporate_account,bivial,inactivity_fee,Lack-of-contact fee (3+ years inactivity),200.0,CHF,monthly,,,"After 3 years no activity. Per Art. 45 BankV, accounts go dormant after 10 years; this lack-of-contact fee applies between 3-10 years. Lifted upon contact resumption.",4,2026-02-10,free
bivial:corporate_account:auditor_info,bivial:corporate_account,bivial,service_fee,Information about customer for customer's auditor,150.0,CHF,per_use,,,Standard cost for Swiss audit-confirmation letters.,9,2026-02-10,free
bivial:corporate_account:material_update,bivial:corporate_account,bivial,service_fee,Material contract update (per change),100.0,CHF,per_use,,,"Changes affecting contractual relationship: ownership, control, business activities, domicile, regulatory status.",4,2026-02-10,free
bivial:corporate_account:contract_termination,bivial:corporate_account,bivial,service_fee,Contract termination (per account),100.0,CHF,per_use,,,,4,2026-02-10,free
bivial:corporate_account:authorised_legitimation,bivial:corporate_account,bivial,service_fee,Authorised Person post-activation legitimation,100.0,CHF,per_use,,,Per authorised person added after contract activation.,4,2026-02-10,free
bivial:corporate_account:apostille,bivial:corporate_account,bivial,service_fee,Apostille on statements/references/documents,100.0,CHF,per_use,,,,9,2026-02-10,free
bivial:corporate_account:payment_investigation,bivial:corporate_account,bivial,service_fee,Payment investigation,75.0,CHF,per_use,,,"Plus third-party charges. Applies to trace, recall, confirmation of credit, payment-chain clarification.",6,2026-02-10,free
bivial:debit_card_virtual:maintenance,bivial:debit_card_virtual,bivial,annual_fee,Card maintenance (per card per month),60.0,CHF,annual,,,(billed monthly at CHF 5/month),7,2026-02-10,free
bivial:debit_card_physical:maintenance,bivial:debit_card_physical,bivial,annual_fee,Card maintenance (per card per month),60.0,CHF,annual,,,Mirrored from PDF p.7 — shared with virtual card. ; (billed monthly at CHF 5/month),7,2026-02-10,free
bivial:corporate_account:account_termination,bivial:corporate_account,bivial,service_fee,Account termination,50.0,CHF,per_use,,,,4,2026-02-10,free
bivial:corporate_account:our_charging,bivial:corporate_account,bivial,service_fee,OUR — all costs debited to client,50.0,CHF,per_use,,,Optional: SHA default; OUR option charges all third-party (correspondent/beneficiary) bank fees to sender.,6,2026-02-10,free
bivial:debit_card_physical:delivery_express,bivial:debit_card_physical,bivial,service_fee,Physical card delivery (express),40.0,CHF,one_time,,,,7,2026-02-10,free
bivial:corporate_account:account_mgmt,bivial:corporate_account,bivial,account_mgmt,Account maintenance,25.0,CHF,monthly,,,Per account per month. Minimum: CHF + EUR accounts.,4,2026-02-10,free
bivial:corporate_account:manual_payment,bivial:corporate_account,bivial,service_fee,Manual payment processing,25.0,CHF,per_use,,,Plus third-party charges. Applies when automatic processing fails.,6,2026-02-10,free
bivial:corporate_account:transfer_cross_currency,bivial:corporate_account,bivial,transfer_intl,Cross-currency outgoing transfer,15.0,CHF,per_txn,,,Settlement to 90+ countries and 70+ different currencies. From CHF/EUR/GBP/USD accounts only.,5,2026-02-10,free
bivial:sepa_direct_debit:dd_disputed,bivial:sepa_direct_debit,bivial,service_fee,Disputed SEPA Direct Debit,15.0,CHF,per_use,,,,8,2026-02-10,free
bivial:corporate_account:transfer_target2,bivial:corporate_account,bivial,transfer_intl,EUR TARGET2/SWIFT (in OR out),10.0,CHF,per_txn,,,Same rate for in and out.,5,2026-02-10,free
bivial:corporate_account:transfer_swift_other,bivial:corporate_account,bivial,transfer_intl,Other Currency SWIFT (in OR out),10.0,CHF,per_txn,,,Currencies other than CHF/EUR (the 16+ other supported currencies).,5,2026-02-10,free
bivial:corporate_account:authorised_user_mgmt,bivial:corporate_account,bivial,service_fee,Authorised Person maintenance,5.0,CHF,monthly,,,Per authorised user per month. Read-only/view-edit Users are free.,4,2026-02-10,free
bivial:debit_card_virtual:issuance,bivial:debit_card_virtual,bivial,issuance_fee,Card issuance (virtual or physical),5.0,CHF,one_time,,,Same fee for virtual and physical cards at issuance. Physical adds delivery fee.,7,2026-02-10,free
bivial:debit_card_physical:delivery_standard,bivial:debit_card_physical,bivial,service_fee,Physical card delivery (standard),5.0,CHF,one_time,,,,7,2026-02-10,free
bivial:debit_card_physical:issuance,bivial:debit_card_physical,bivial,issuance_fee,Card issuance,5.0,CHF,one_time,,,"Mirrored from PDF p.7 (""Virtual or Physical Debit cards"" — shared fees).",7,2026-02-10,free
bivial:debit_card_physical:atm_intl,bivial:debit_card_physical,bivial,atm_withdrawal,Cash withdrawal international,4.0,percent,per_use,,atm,"4.00% of withdrawal amount, minimum CHF 5. Physical cards only. Outside Euro area.",7,2026-02-10,free
bivial:debit_card_physical:fx_markup,bivial:debit_card_physical,bivial,fx_markup,Foreign exchange markup,3.0,percent,per_use,,,Mirrored from PDF p.7 — applies to both card types when transaction currency differs from card currency.,7,2026-02-10,free
bivial:debit_card_virtual:fx_markup,bivial:debit_card_virtual,bivial,fx_markup,Foreign exchange markup,3.0,percent,per_use,,,For transactions in a currency other than the card currency (cards are issued in EUR or USD). Applied at VISA rate without notice.,7,2026-02-10,free
bivial:sepa_direct_debit:dd_failed,bivial:sepa_direct_debit,bivial,service_fee,Failed SEPA Direct Debit,3.0,CHF,per_use,,,,8,2026-02-10,free
bivial:vibans:amend_terminate,bivial:vibans,bivial,service_fee,vIBAN amendment / termination,2.0,CHF,per_use,,,Per request.,8,2026-02-10,free
bivial:corporate_account:transfer_chf_instant_in,bivial:corporate_account,bivial,transfer_domestic,CHF Instant SIC (incoming),1.0,CHF,per_txn,,,,5,2026-02-10,free
bivial:corporate_account:transfer_chf_instant_out,bivial:corporate_account,bivial,transfer_domestic,CHF Instant SIC (outgoing),1.0,CHF,per_txn,,,,5,2026-02-10,free
bivial:corporate_account:transfer_sepa_in,bivial:corporate_account,bivial,transfer_sepa_in,EUR SEPA (incoming),1.0,CHF,per_txn,,,,5,2026-02-10,free
bivial:corporate_account:transfer_sepa_out,bivial:corporate_account,bivial,transfer_sepa_out,EUR SEPA (outgoing),1.0,CHF,per_txn,,,,5,2026-02-10,free
bivial:sepa_direct_debit:dd_in,bivial:sepa_direct_debit,bivial,transfer_sepa_in,SEPA Direct Debit (incoming),1.0,CHF,per_txn,,,,8,2026-02-10,free
bivial:sepa_direct_debit:dd_out,bivial:sepa_direct_debit,bivial,transfer_sepa_out,SEPA Direct Debit (outgoing),1.0,CHF,per_txn,,,,8,2026-02-10,free
bivial:corporate_account:transfer_chf_sic_in,bivial:corporate_account,bivial,transfer_domestic,CHF SIC transfer (incoming),0.5,CHF,per_txn,,,,5,2026-02-10,free
bivial:corporate_account:transfer_chf_sic_out,bivial:corporate_account,bivial,transfer_domestic,CHF SIC transfer (outgoing),0.5,CHF,per_txn,,,,5,2026-02-10,free
bivial:debit_card_physical:card_payment,bivial:debit_card_physical,bivial,transaction_fee,Card payment (per transaction),0.5,CHF,per_txn,,,Mirrored from PDF p.7.,7,2026-02-10,free
bivial:debit_card_virtual:card_payment,bivial:debit_card_virtual,bivial,transaction_fee,Card payment (per transaction),0.5,CHF,per_txn,,,,7,2026-02-10,free
bivial:vibans:issuance,bivial:vibans,bivial,issuance_fee,vIBAN issuance,0.5,CHF,per_use,,,Per vIBAN. Personalised vIBANs free.,8,2026-02-10,free
bivial:vibans:maintenance,bivial:vibans,bivial,account_mgmt,vIBAN maintenance,0.5,CHF,monthly,,,Per vIBAN per month.,8,2026-02-10,free
bivial:debit_card_physical:atm_euro,bivial:debit_card_physical,bivial,atm_withdrawal,Cash withdrawal Euro area,0.25,percent,per_use,,atm,"0.25% of withdrawal amount, minimum CHF 5. Physical cards only.",7,2026-02-10,free
bivial:corporate_account:mobile_tan_sms,bivial:corporate_account,bivial,service_fee,mobileTAN SMS (per message),0.15,CHF,per_use,,,Aggregated at end of month.,9,2026-02-10,free
bivial:api_sftp_connectivity:sftp_usage,bivial:api_sftp_connectivity,bivial,transaction_fee,SFTP per-message usage,0.1,CHF,per_txn,,,Per push/pull file exchange message.,8,2026-02-10,free
bivial:corporate_account:onboarding_preassess,bivial:corporate_account,bivial,service_fee,Onboarding pre-assessment,0.0,CHF,one_time,,,No fee if onboarding terminated prior to contract activation.,3,2026-02-10,free