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
scobag:vermoegensverwaltung,scobag,wealth_management,Vermögensverwaltung (Wealth & Asset Management),CHF,private,wealthy,"Scobag flagship discretionary asset management. Seven investment principles: Wertorientierung, Unabhängigkeit, Einfachheit, Qualität, Liquidität, aktives Handeln, Nachhaltigkeit. Direct-equity selection emphasis. ESG integration. Quote: ""Bei der Scobag wird niemand mit fertigen Produkten abgespeist, sondern mit individuellen Dienstleistungen ganzheitlich betreut."" Atom #274 23rd instance: pricing tailored, no published bank-side fee schedule.",,,BPG0031KQ95M,pro,1,,
scobag:anlageberatung,scobag,personal_advisory,Anlageberatung (Investment Advisory),CHF,private,wealthy,Investment advisory for clients who manage their own assets but want Scobag's investment expertise. Same 7 Grundprinzipien framework. Regular Anlagebrief publications (latest April 2026). Lower-touch than full mandate; tailored fee structure.,,,BPG00347GW85,pro,1,,
scobag:family_banking,scobag,wealth_management,Family Banking — multi-generational private banking,CHF,private,wealthy,"Scobag's signature service line. Multi-generational wealth planning for private individuals, families, and gemeinnützige Stiftungen (charitable foundations). Long-term client relationships. Includes Nachfolge- und Nachlassberatung (succession + inheritance), Pensionierungsplanung, Steuern (tax advisory), Stiftungen + Gesellschaften. Quote: ""Family Banking heisst Persönlich und verantwortungsvoll — gut für Sie und Ihr Guthaben."" Tailored across all sub-services.",,,BPG0037HJ6ZY,pro,1,,
scobag:stiftungskompetenz,scobag,wealth_management,Stiftungskompetenz (Foundation administration),CHF,business,wealthy,"Foundation administration competence — distinct service line for gemeinnützige Stiftungen (charitable foundations) and operating/investment foundations. ""Das Mäzenatentum gehört zu Basel"" — Scobag invokes Basel's strong philanthropic tradition. Services: Vermögensverwaltung der Stiftung, Gründung, Verwaltung. Tailored pricing.",,,BPG0035MAWR2,pro,1,,
scobag:vorsorge_3a_direktinvest,scobag,pension_account,Scobag 3a Direktinvest — Säule 3a Direktanlagen,CHF,private,standard,"Pillar 3a private retirement product via Stiftung Scobag 3a Direktinvest (separate legal foundation under OAK BV oversight). Three strategies: Ausgewogen (max 40% equities), Dynamisch (max 60%), Aktienstrategie (max 100% equities). Quote: ""Die Scobag investiert bei der Säule 3a aus Überzeugung vorwiegend in Direktanlagen."" Avoids fund-of-funds collective vehicles in favour of direct equity selection — claimed cost advantage. PUBLISHED Gebührenreglement: 0.60% all-in (asset mgmt + custody) + 0.30% Stiftungsadministration = 0.90% total all-in. Max contributions 2026: CHF 7,258 with PK, CHF 36,288 without PK.",,,BPG0038Z5WXM,free,0,,
scobag:freizuegigkeit,scobag,pension_account,Scobag Freizügigkeit — Pillar 2 vested-benefits account,CHF,private,standard,Freizügigkeitskonto/-depot for Pillar 2 vested benefits (assets between employers or after early exit from occupational pension). Long-term investment using same direct-investment philosophy. Tailored pricing (no published schedule for this product).,,,BPG0039H1HPG,free,1,,
scobag:1e_kadervorsorge,scobag,pension_account,Scobag 1e-Kadervorsorgelösung — executive supplementary pension,CHF,business,wealthy,"BVG 1e occupational pension solution for income above CHF 136,080 (1.5x BVG-Maximallohn). For Unternehmer/Selbständigerwerbende/Kadermitarbeitende. Self-directed investment strategy per person (Anlagerendite wird 1:1 dem Vorsorgekapital zugerechnet). Allows tax-optimized supplementary pension contributions. Tailored pricing per company plan.",,,BPG0031BXVSD,free,1,,
scobag:check_up_vorsorge,scobag,personal_advisory,Check-up Vorsorgevermögen — pension-assets review,CHF,private,wealthy,Holistic review of pension assets (Pillar 1 AHV + Pillar 2 BVG + Pillar 3a/3b) including optimization recommendations. Project-fee model typical.,,,BPG00335XPYK,pro,1,,
scobag:custody,scobag,securities_trading,Depot (Custody account),CHF,private,wealthy,Securities custody account underlying all mandates. Bundled within Vermögensverwaltung pricing. esisuisse deposit-insurance protection.,,,BPG0031SMY4D,pro,1,,
scobag:lombardkredit,scobag,mortgage,Lombardkredit (securities-backed loan),CHF,private,wealthy,Securities-backed lending. Geschäftsbericht 2024 reports CHF 75.5 Mio. of lombard credit on the balance sheet (of CHF 79.7 Mio. total Forderungen gegenüber Kunden). Tailored conditions per client.,,,BPG003RAGDHJ,pro,1,,