id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
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: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: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_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_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