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 product_id = "ek_rueggisberg:sparkonto" sorted by amount descending

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Suggested facets: currency, valid_from (date)

id product_id bank_id fee_type label amount ▲ currency frequency tier channel note source_page valid_from access_tier
ek_rueggisberg:sparkonto:closure_fee Sparkonto ek_rueggisberg:sparkonto Ersparniskasse Rueggisberg Genossenschaft ek_rueggisberg closure_fee Saldierungsspesen Sparkonto 10.0 CHF one_time     Saldierungsspesen CHF 10 (Jugend-/Geschenksparkonto kostenlos). 5 2026-01-01 free
ek_rueggisberg:sparkonto:nicht_kuendigungs_kommission Sparkonto ek_rueggisberg:sparkonto Ersparniskasse Rueggisberg Genossenschaft ek_rueggisberg penalty_fee Nicht-Kuendigungs-Kommission 2.0 percent per_transaction     Wenn Rueckzugsbedingungen nicht eingehalten werden: 2% Kommission auf Ueberschreitungsbetrag. Editorial: published explicit penalty rare in cohort. 14 2026-01-01 free
ek_rueggisberg:sparkonto:base_fee Sparkonto ek_rueggisberg:sparkonto Ersparniskasse Rueggisberg Genossenschaft ek_rueggisberg base_fee Kontofuehrung Sparkonto 0.0 CHF monthly     Kontofuehrung kostenlos. Postenauszug jaehrlich inklusive. 1 2026-01-01 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'))
);
CREATE INDEX idx_fee_product ON fee(product_id);
CREATE INDEX idx_fee_bank ON fee(bank_id);
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);