id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vdkb:visa_debit:annual_fee,vdkb:visa_debit,vdkb,annual_fee,Cotisation annuelle carte principale,40.0,CHF,annual,,,"Incluse dans les formules Juniors, Jeunes, Campus, Directe, Classique, Premium et Famille",10,2026-01-01,free
vdkb:visa_debit:supplementary_fee,vdkb:visa_debit,vdkb,supplementary_card,Cotisation annuelle carte supplementaire,40.0,CHF,annual,,,,10,2026-01-01,free
vdkb:visa_debit:replacement,vdkb:visa_debit,vdkb,card_replacement,Carte de remplacement,40.0,CHF,one_time,,,Formule Juniors: CHF 20,10,2026-01-01,free
vdkb:visa_debit:card_block,vdkb:visa_debit,vdkb,card_block,Blocage de carte,20.0,CHF,one_time,,,,10,2026-01-01,free
vdkb:visa_debit:card_cash_block,vdkb:visa_debit,vdkb,card_block,Blocage de carte Cash,20.0,CHF,one_time,,,,17,2026-01-01,free
vdkb:visa_debit:card_cash_replacement,vdkb:visa_debit,vdkb,card_replacement,Carte Cash de remplacement,10.0,CHF,one_time,,,,17,2026-01-01,free
vdkb:visa_debit:pin_replacement,vdkb:visa_debit,vdkb,pin_replacement,Remplacement code NIP,5.0,CHF,one_time,,,,10,2026-01-01,free
vdkb:visa_debit:atm_eur_other,vdkb:visa_debit,vdkb,atm_domestic_other_eur,Retrait EUR aux bancomats d'autres banques en Suisse,5.0,CHF,per_txn,,atm,,12,2026-01-01,free
vdkb:visa_debit:atm_abroad,vdkb:visa_debit,vdkb,atm_abroad,Retrait aux bancomats a l'etranger,5.0,CHF,per_txn,,atm,"+0.5% du montant, conversion au cours BCV",12,2026-01-01,free
vdkb:visa_debit:atm_other,vdkb:visa_debit,vdkb,atm_domestic_other,Retrait CHF aux bancomats d'autres banques en Suisse,3.0,CHF,per_txn,,atm,,12,2026-01-01,free
vdkb:visa_debit:purchase_abroad_chf,vdkb:visa_debit,vdkb,purchase_abroad_chf,Achat dans un commerce a l'etranger en CHF,2.0,CHF,per_txn,,pos,Par operation,12,2026-01-01,free
vdkb:visa_debit:purchase_abroad_fx,vdkb:visa_debit,vdkb,purchase_abroad_fx,Achat dans un commerce a l'etranger en monnaie etrangere,2.0,CHF,per_txn,,pos,Conversion au cours BCV; +1.75% du montant,12,2026-01-01,free
vdkb:visa_debit:online_abroad_fx,vdkb:visa_debit,vdkb,online_purchase_fx,Achat en ligne sur un site etranger en monnaie etrangere,1.0,CHF,per_txn,,ebanking,,12,2026-01-01,free
vdkb:visa_debit:atm_own,vdkb:visa_debit,vdkb,atm_domestic_own,Retrait CHF/EUR aux bancomats BCV et banques cantonales,0.0,CHF,per_txn,,atm,,12,2026-01-01,free