id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
scobag:vorsorge_3a_direktinvest:vorbezug_wohneigentum,scobag:vorsorge_3a_direktinvest,scobag,service_fee,Vorbezug für Wohneigentum (early withdrawal for residential property),350.0,CHF,per_use,,,Verbatim from Art. 4 Abs. 1.,2,2022-04-01,free
scobag:vorsorge_3a_direktinvest:verpfaendung_wohneigentum,scobag:vorsorge_3a_direktinvest,scobag,service_fee,Verpfändung für Wohneigentum (pledge for residential property),150.0,CHF,per_use,,,Verbatim from Art. 4 Abs. 1.,2,2022-04-01,free
scobag:vorsorge_3a_direktinvest:transfer_to_pension,scobag:vorsorge_3a_direktinvest,scobag,service_fee,Übertrag in steuerbefreite Vorsorgeeinrichtung 2./3a Säule,100.0,CHF,per_use,,,Verbatim from Art. 4 Abs. 1.,2,2022-04-01,free
scobag:vorsorge_3a_direktinvest:asset_mgmt_custody,scobag:vorsorge_3a_direktinvest,scobag,mgmt_fee,Vermögensverwaltung + Depotführung (All-in-Fee),0.6,percent,per_annum_pct,,,"Verbatim from Art. 2 Stiftung Gebührenreglement: ""Die Gebühren für Vermögensverwaltung und Depotführung betragen zusammen 0.60% (All-in-Fee) des Anlagevermögens.""",2,2022-04-01,free
scobag:vorsorge_3a_direktinvest:stiftungsadmin,scobag:vorsorge_3a_direktinvest,scobag,mgmt_fee,Stiftungsadministration,0.3,percent,per_annum_pct,,,"Verbatim from Art. 3: ""Die Stiftung verrechnet 0.30% des Anlagevermögens für die Stiftungsadministration. Diese beinhaltet u.a. Geschäftsführung, Zahlungsabwicklung, Aufsichtsbehörde-Gebühren, Jahresbericht, Revisionsstelle-Honorar."" Total 3a all-in = 0.60 + 0.30 = 0.90%.",2,2022-04-01,free
scobag:vermoegensverwaltung:mgmt_tailored,scobag:vermoegensverwaltung,scobag,mgmt_fee,Vermögensverwaltung — pricing on-request,,CHF,per_annum_pct,,,Atom #274 23rd instance: no published bank-side fee schedule. FINSA Art. 31 opt-out posture. Contrast with the affiliated Stiftung Scobag 3a Direktinvest which DOES publish (atom #292 regulatory-bifurcated posture).,,2024-01-01,pro
scobag:anlageberatung:fee_tailored,scobag:anlageberatung,scobag,mgmt_fee,Anlageberatung — pricing on-request,,CHF,per_annum_pct,,,Atom #274 tailored.,,2024-01-01,pro
scobag:family_banking:fee_tailored,scobag:family_banking,scobag,service_fee,Family Banking services — pricing on-request,,CHF,per_use,,,Atom #274 tailored.,,2024-01-01,pro
scobag:stiftungskompetenz:fee_tailored,scobag:stiftungskompetenz,scobag,service_fee,Stiftungskompetenz — pricing on-request,,CHF,per_use,,,Atom #274 tailored.,,2024-01-01,pro
scobag:1e_kadervorsorge:fee_tailored,scobag:1e_kadervorsorge,scobag,mgmt_fee,1e Kadervorsorge — pricing per company plan,,CHF,per_annum_pct,,,Atom #274 tailored per company plan.,,2024-01-01,free
scobag:freizuegigkeit:fee_tailored,scobag:freizuegigkeit,scobag,mgmt_fee,Freizügigkeitsdepot — pricing on-request,,CHF,per_annum_pct,,,Atom #274 tailored. No published fee for freizügigkeit despite affiliated 3a foundation being published.,,2024-01-01,free
scobag:lombardkredit:fee_tailored,scobag:lombardkredit,scobag,mortgage_rate,Lombardkredit interest — pricing on-request,,percent,per_annum_pct,,,Atom #274 tailored. CHF 75.5 Mio. of lombard credit on 2024 balance sheet.,,2024-01-01,pro
scobag:custody:tailored,scobag:custody,scobag,custody_fee,Custody — pricing on-request,,CHF,per_annum_pct,,,Atom #274 tailored.,,2024-01-01,pro
scobag:check_up_vorsorge:fee_tailored,scobag:check_up_vorsorge,scobag,service_fee,Vorsorge Check-up — pricing on-request,,CHF,per_use,,,Atom #274 tailored. Project-fee model typical.,,2024-01-01,pro