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