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

5 rows where product_id = "scobag:vorsorge_3a_direktinvest" sorted by amount descending

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Suggested facets: fee_type, currency, frequency, note, 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
scobag:vorsorge_3a_direktinvest:vorbezug_wohneigentum Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest Scobag Privatbank AG scobag service_fee Vorbezug für Wohneigentum (early withdrawal for residential property) 350.0 CHF per_use     Verbatim from Art. 4 Abs. 1. 2 2022-04-01 free      
scobag:vorsorge_3a_direktinvest:verpfaendung_wohneigentum Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest Scobag Privatbank AG scobag service_fee Verpfändung für Wohneigentum (pledge for residential property) 150.0 CHF per_use     Verbatim from Art. 4 Abs. 1. 2 2022-04-01 free      
scobag:vorsorge_3a_direktinvest:transfer_to_pension Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest Scobag Privatbank AG scobag service_fee Übertrag in steuerbefreite Vorsorgeeinrichtung 2./3a Säule 100.0 CHF per_use     Verbatim from Art. 4 Abs. 1. 2 2022-04-01 free      
scobag:vorsorge_3a_direktinvest:asset_mgmt_custody Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest Scobag Privatbank AG scobag mgmt_fee Vermögensverwaltung + Depotführung (All-in-Fee) 0.6 percent per_annum_pct     Verbatim from Art. 2 Stiftung Gebührenreglement: "Die Gebühren für Vermögensverwaltung und Depotführung betragen zusammen 0.60% (All-in-Fee) des Anlagevermögens." 2 2022-04-01 free      
scobag:vorsorge_3a_direktinvest:stiftungsadmin Scobag 3a Direktinvest — Säule 3a Direktanlagen scobag:vorsorge_3a_direktinvest Scobag Privatbank AG scobag mgmt_fee Stiftungsadministration 0.3 percent per_annum_pct     Verbatim from Art. 3: "Die Stiftung verrechnet 0.30% des Anlagevermögens für die Stiftungsadministration. Diese beinhaltet u.a. Geschäftsführung, Zahlungsabwicklung, Aufsichtsbehörde-Gebühren, Jahresbericht, Revisionsstelle-Honorar." Total 3a all-in = 0.60 + 0.30 = 0.90%. 2 2022-04-01 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')),
    -- 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);