id,bank_id,category,name,currency,client_type,target_group,description,valid_from,source_document_id,bpg,access_tier,is_tailored,notice_period_days,iso_account_type
bivial:corporate_account,bivial,current_account,Corporate Multi-Currency Account,multi,business,standard,"Multi-currency business account in 18+ currencies (CHF, EUR, GBP, USD core; cross-currency to 90+ countries / 70+ currencies via VISA/SWIFT rails). Swiss IBAN + QR-IBAN for QR-bill processing. Personalised IBAN aliases (e.g. CH4083041 0 SWITZERLAND) at no extra cost. CHF 25/month maintenance per account.",,,BPG003NEMHTW,free,0,,
bivial:individual_account,bivial,current_account,Individual Multi-Currency Account,multi,private,standard,Same Bivial pricing schedule applies to individual accounts. Multi-currency in 18+ currencies. CHF 25/month maintenance.,,,BPG0036V6YXN,free,0,,
bivial:debit_card_virtual,bivial,debit_card,Virtual Corporate Debit Card (EUR or USD),multi,business,standard,"Virtual Visa Debit card, issued in EUR OR USD (customer choice at issuance — no CHF variant). Card fees in CHF: 5 issuance + 5/month maintenance + 0.50/transaction. FX markup 3.00% applies on non-card-currency transactions (incl. CHF transactions on an EUR card).",,,BPG0032TK9DQ,free,0,,
bivial:debit_card_physical,bivial,debit_card,Physical Corporate Debit Card (EUR or USD),multi,business,standard,"Physical Visa Debit card, issued in EUR OR USD. Same shared fees as virtual + delivery (CHF 5 standard, CHF 40 express). Cash withdrawal Euro area 0.25% min CHF 5; international 4.00% min CHF 5. ATM balance inquiry CHF 1.",,,BPG003QAFRX8,free,0,,
bivial:vibans,bivial,current_account,Virtual IBANs (vIBANs),multi,business,standard,vIBANs for internal client-reconciliation only. Beneficiary name on any vIBAN is the legal name of the main account holder. May NOT be resold or marketed as client-facing/white-label IBANs (verbatim restriction in PDF). CHF 0.50 issuance + CHF 0.50/month maintenance per vIBAN.,,,BPG003G4BS5R,free,0,,
bivial:api_sftp_connectivity,bivial,ebanking,B2B Connectivity (API + SFTP),CHF,business,standard,"REST API: activation, maintenance, sandbox, and messaging all free of charge — enables automated payment processing. SFTP: one-time activation CHF 2500, maintenance/termination free, per-message usage CHF 0.10. Both channels support batch file uploads for bulk payment instructions.",,,BPG003Q3W33T,free,0,,
bivial:sepa_direct_debit,bivial,current_account,SEPA Direct Debit,EUR,business,standard,Automated EUR direct-debit collection across the SEPA zone (in + out). CHF 1 per direct debit. Disputed SEPA DD: CHF 15. Failed SEPA DD: CHF 3.,,,BPG0036CJ85D,free,0,,