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

7 rows where product_id = "bancastato:commercial_argento" sorted by amount descending

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Suggested facets: amount, currency, frequency

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
bancastato:commercial_argento:annual Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato annual_fee Tassa annuale 85.0 CHF annual     Metà gratuita da CHF 10k volume; intera gratuita da CHF 20k volume     free      
bancastato:commercial_argento:replacement Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato replacement_card Carta sostitutiva 20.0 CHF per_use           free      
bancastato:commercial_argento:late_payment_fee Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato late_payment_fee Tasse amministrative per ritardi 20.0 CHF per_use           free      
bancastato:commercial_argento:mora Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato interest_late_payment Interesse di mora 14.9 percent per_annum_pct           free      
bancastato:commercial_argento:atm_ch Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato atm_domestic Prelevamento bancomat in Svizzera 3.5 percent per_txn     min CHF 5     free      
bancastato:commercial_argento:atm_abroad Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato atm_abroad Prelevamento bancomat all'estero 3.5 percent per_txn     min CHF 10     free      
bancastato:commercial_argento:fx_markup Mastercard Commercial Argento bancastato:commercial_argento Banca dello Stato del Cantone Ticino bancastato fx_markup Conversione valute estere 1.5 percent per_txn     Plus corso di vendita delle divise     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);