Fees

One row per fee charged on a product. Every row carries a source_page reference to the original bank PDF. NULL amount means 'on request' (tailored pricing) or 'not published in current source'.

Data license: CC-BY-4.0 · Data source: bankproducts.info

3 rows where bank_id = "incore" sorted by amount descending

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Suggested facets: fee_type, currency, access_tier, valid_from (date)

id product_id bank_id fee_type label amount ▲ currency frequency tier channel note source_page valid_from access_tier tier_floor tier_ceiling compliance_tier
incore:wealth_management:custody_fee Incore B2B Transaction Banking + ICT (institutional custody / BaaS) incore:wealth_management Incore Bank AG incore custody_fee Institutional custody fee   CHF annual     B2B contract pricing only — no retail price list. Incore has no retail clients by design (Execution-only-Bank). Custody pricing negotiated per partner bank / institutional client. Aggregate Assets under Custody: CHF 12.7bn (2024, +CHF 1.2bn YoY).   2025-04-02 pro      
incore:banking_as_a_service:service_fee Incore Bank-as-a-Service incore:banking_as_a_service Incore Bank AG incore service_fee Bank-as-a-Service platform fee   CHF annual     B2B contract pricing only — no retail price list. Per-partner-bank framework agreement covering modules consumed (Accounts & Payments, Brokerage & Custody, Paying Agent, BPO, Technology Platform, Embedded Finance).   2025-04-02 pro      
incore:crypto_custody_institutional:custody_fee Incore Digital Asset Banking (institutional) incore:crypto_custody_institutional Incore Bank AG incore custody_fee Institutional digital-asset custody   percent annual     B2B contract pricing only — no retail price list. Institutional crypto custody offered since 2019 under FINMA bank licence; pricing per partner agreement.   2025-04-02 free      

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CREATE TABLE fee (
    id          TEXT PRIMARY KEY,       -- zkb:privatkonto:account_mgmt
    product_id  TEXT NOT NULL REFERENCES product(id),
    bank_id     TEXT NOT NULL REFERENCES bank(id),  -- denormalized
    fee_type    TEXT NOT NULL,          -- standardized key
    label       TEXT,                   -- human-readable German label from PDF
    amount      REAL,                   -- NULL if text-only or varies
    currency    TEXT DEFAULT 'CHF',     -- CHF, EUR, USD, percent
    frequency   TEXT,                   -- monthly, annual, quarterly, per_txn, one_time, per_annum_pct
    tier        TEXT,                   -- for tiered pricing: "3rd card onwards", "vol:>250k", "member"
    channel     TEXT,                   -- ebanking, paper, counter, atm, app, post_office, all
    note        TEXT,                   -- conditions, fine print
    source_page INTEGER,
    valid_from  TEXT,
    access_tier TEXT NOT NULL DEFAULT 'free'  -- freemium gating; propagated from parent product
        CHECK (access_tier IN ('free', 'pro', 'business')),
    -- v3.2 (2026-08-12): structured tier bounds. NULL = open-ended.
    -- tier_ceiling is EXCLUSIVE (matches interest_rate convention).
    -- Populated by db/fee_tier_backfill.sql from free-text fee.label regex-parse.
    tier_floor   REAL
        CHECK (tier_floor IS NULL OR tier_floor >= 0),
    tier_ceiling REAL
        CHECK (tier_ceiling IS NULL OR tier_ceiling >= 0),
    -- v3.4 (2026-08-12, PR #411): compliance-tier attribution.
    compliance_tier TEXT
        CHECK (compliance_tier IS NULL OR compliance_tier IN ('standard', 'enhanced_monitoring', 'pep', 'sanctioned_jurisdiction'))
);
CREATE INDEX idx_fee_product ON fee(product_id);
CREATE INDEX idx_fee_bank ON fee(bank_id);
CREATE INDEX idx_fee_tier ON fee(tier_floor, tier_ceiling) WHERE tier_floor IS NOT NULL OR tier_ceiling IS NOT NULL;
CREATE INDEX idx_fee_compliance_tier ON fee(compliance_tier) WHERE compliance_tier IS NOT NULL;
CREATE INDEX idx_fee_type ON fee(fee_type);
CREATE INDEX idx_fee_category ON fee(fee_type, bank_id);
CREATE INDEX idx_fee_access_tier ON fee(access_tier);