id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
yapeal:visa_debit:replacement_paid,yapeal:visa_debit,yapeal,replacement_card,Kartenersatz (Free / Essential / Grow),20.0,CHF,per_use,free_essential_grow,,"Card replacement: CHF 20 (Free, Essential, Grow). Business plan: free.",,2026-06-02,free
yapeal:visa_debit:atm_eur_ch,yapeal:visa_debit,yapeal,atm_withdrawal,Bargeldbezug EUR (Inland),5.0,CHF,per_use,,atm,EUR cash withdrawal at Swiss ATMs. Same across all tiers.,,2026-06-02,free
yapeal:visa_debit:additional_free_essential,yapeal:visa_debit,yapeal,additional_card,Zusaetzliche Karte (Free / Essential),3.0,CHF,monthly,free_essential,,Additional physical card above the plan-included count. Free + Essential: CHF 3/month. Grow + Business: CHF 2/month.,,2026-06-02,free
yapeal:visa_debit:additional_grow_business,yapeal:visa_debit,yapeal,additional_card,Zusaetzliche Karte (Grow / Business),2.0,CHF,monthly,grow_business,,Grow + Business: CHF 2/month per additional physical card.,,2026-06-02,free
yapeal:visa_debit:atm_chf_ch,yapeal:visa_debit,yapeal,atm_withdrawal,Bargeldbezug CHF (Inland),2.0,CHF,per_use,,atm,CHF cash withdrawal at Swiss ATMs. Same across all tiers.,,2026-06-02,free
yapeal:visa_debit:atm_abroad_pct,yapeal:visa_debit,yapeal,fx_markup,Bargeldbezug Ausland (Aufschlag),1.5,percent,per_use,,atm,Foreign-currency or non-Swiss-ATM withdrawals: 1.50% surcharge on top of converted amount. Same across all tiers.,,2026-06-02,free
yapeal:visa_debit:replacement_business,yapeal:visa_debit,yapeal,replacement_card,Kartenersatz (Business),0.0,CHF,per_use,business_plan,,Business plan: replacement card free.,,2026-06-02,free