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
vskb:conto_premium,vskb,package,BCVS Conto Pack Premium,CHF,private,standard,"3 comptes inclus, 2 Debit Mastercard, 1 carte de credit Or, online/mobile banking inclus",,,BPG003AEY34E,free,0,,
vskb:conto_confort,vskb,package,BCVS Conto Pack Confort,CHF,private,standard,"2 comptes inclus, 2 Debit Mastercard, 1 carte de credit Argent, online/mobile banking inclus",,,BPG003N7GN8P,free,0,,
vskb:conto_standard,vskb,package,BCVS Conto Pack Standard,CHF,private,standard,"2 comptes inclus, 2 Debit Mastercard, online/mobile banking inclus",,,BPG003DKCAM8,free,0,,
vskb:conto_bienvenue,vskb,package,BCVS Conto Pack Bienvenue,CHF,private,standard,"1 compte inclus, 1 carte incluse, online/mobile banking inclus",,,BPG003T4WG75,free,0,,
vskb:conto_jeunes,vskb,package,BCVS Conto Pack Jeunes,CHF,private,youth,"12-26 ans, 1 compte, 1 carte, 50% rabais carte credit argent, 1 carte Prepaid incluse",,,BPG003C1TSD6,free,0,,
vskb:conto_formation,vskb,package,BCVS Conto Pack Formation,CHF,private,students,"Jusqu'a 30 ans, 1 compte, 1 carte, 50% rabais carte credit argent, 1 carte Prepaid incluse",,,BPG0039EW5V0,free,0,,
vskb:compte_prive,vskb,current_account,Compte prive,CHF,private,standard,Compte de base pour salaire et trafic des paiements,,,BPG003TCE77K,free,0,,
vskb:compte_monnaie_etrangere,vskb,current_account,Compte en monnaie etrangere,multi,private,standard,Compte prive en devises,,,BPG003T0Q847,free,0,,
vskb:compte_start,vskb,current_account,Compte BCVS Start,CHF,private,standard,Compte gratuit sans frais de releve,,,BPG0035M8CFB,free,0,,
vskb:compte_courant,vskb,current_account,Compte courant,CHF,private,standard,"Bouclement trimestriel, frais par ecriture",,,BPG00346PZ2N,free,0,,
vskb:compte_club,vskb,current_account,Compte Club,CHF,private,standard,Compte associatif,,,BPG003C99BGQ,free,0,,
vskb:compte_epargne,vskb,savings_account,Compte epargne,CHF,private,standard,,,,BPG003EN1450,free,0,,
vskb:compte_epargne_cadeau,vskb,savings_account,Compte epargne cadeau,CHF,private,youth,,,,BPG0034PMG32,free,0,,
vskb:epargne_garantie_loyer,vskb,savings_account,Compte epargne garantie loyer,CHF,private,standard,Ouverture CHF 20 (clients) / CHF 300 (autres),,,BPG003EY0TSJ,free,0,,
vskb:consignation_loyer,vskb,deposit_account,Compte de consignation loyer,CHF,private,standard,Ouverture CHF 70 (clients BCVS) / CHF 120 (autres),,,BPG003FVHEM8,free,0,,
vskb:consignation_societe,vskb,deposit_account,Compte consignation societe en formation,CHF,business,standard,"1 pour mille sur montant consigne, min CHF 250, max CHF 2500",,,BPG0038PP7TJ,free,0,,
vskb:epargne3,vskb,pillar_3a,Compte Epargne 3,CHF,private,standard,,,,BPG003FKC2KH,pro,0,,
vskb:libre_passage,vskb,vested_benefits,Compte de libre passage,CHF,private,standard,,,,BPG003GN6QDE,pro,0,,
vskb:conto_business_m,vskb,current_account,BCVS Conto Business M,CHF,business,standard,"1 compte entreprise CHF, 30 ecritures/trimestre incluses puis CHF 0.40",,,BPG0033AAPCK,free,0,,
vskb:conto_business_l,vskb,current_account,BCVS Conto Business L,CHF,business,standard,"1 compte entreprise CHF, ecritures illimitees",,,BPG003PG4SS1,free,0,,
vskb:conto_business_xl,vskb,current_account,BCVS Conto Business XL,CHF,business,standard,"3 comptes entreprise CHF, ecritures illimitees",,,BPG0033J7NYC,free,0,,
vskb:compte_monnaie_etrangere_pro,vskb,current_account,Compte en monnaie etrangere (professionnel),multi,business,standard,"Bouclement CHF 10/annuel, des la 25e ecriture CHF 1.50",,,BPG0031ND8BX,free,0,,
vskb:epargne_entreprise,vskb,savings_account,Compte Epargne Entreprise,CHF,business,standard,Des la 25e ecriture CHF 1.50,,,BPG003YFD0K7,free,0,,
vskb:business_pack_premium,vskb,package,BCVS Business Pack Premium,CHF,business,standard,"1 compte devise, 1 Debit Mastercard + 1 carte credit Or, 12 retraits, 12 ordres Fit + 4 ordres paiement",,,BPG0036FN23Z,free,0,,
vskb:business_pack_confort,vskb,package,BCVS Business Pack Confort,CHF,business,standard,"1 compte devise, 1 Debit Mastercard + 1 carte credit Argent, 12 retraits, 12 ordres Fit + 4 ordres paiement",,,BPG0035196T2,free,0,,
vskb:business_pack_standard,vskb,package,BCVS Business Pack Standard,CHF,business,standard,"1 compte devise, 1 Debit Mastercard, 12 retraits, 12 ordres Fit",,,BPG003Q26FD0,free,0,,
vskb:safe,vskb,safe_deposit,Safe,CHF,private,standard,"CHF 90 a CHF 1000 par an selon taille, TVA non comprise",,,BPG0030NTQ2V,free,0,,
vskb:gestion_star_select,vskb,wealth_management,BCVs Star Select,CHF,private,standard,Gestion discretionnaire active orientee sur la selection des meilleurs produits. Avoir minimum recommande CHF 200k. Tarif forfaitaire couvrant administration + gestion + courtage + souscription/rachat fonds + releve fiscal suisse.,,,BPG003BQ4H3D,pro,0,,
vskb:gestion_active_swiss_focus,vskb,wealth_management,BCVs Active Portfolio Swiss Focus,CHF,private,standard,"Gestion discretionnaire dynamique orientee sur la maitrise du risque. 4 strategies: Securite, Defensif, Balance, Offensif. Avoir minimum CHF 200k.",,,BPG003C4YHKM,pro,0,,
vskb:gestion_smart,vskb,wealth_management,BCVs Smart,CHF,private,standard,"Gestion discretionnaire concentree, basee sur des produits passifs. 3 strategies: Modere, Equilibre, Dynamique. Avoir minimum recommande CHF 100k.",,,BPG003C2XZMN,pro,0,,
vskb:conseil_advanced,vskb,wealth_management,BCVs Advanced,CHF,private,standard,Mandat de conseil avec accompagnement regulier et professionnel. Commission de conseil 0.35% + commission administration depot. 50% de rabais sur courtage et fonds BCVS. Avoir minimum recommande CHF 200k.,,,BPG0038J4BMM,pro,0,,
vskb:conseil_compact,vskb,wealth_management,BCVs Compact,CHF,private,standard,Mandat de conseil simple pour la construction de portefeuille. Commission de conseil 0.15% + commission administration depot. 25% de rabais sur courtage. Pas de minimum.,,,BPG003Q12DPW,pro,0,,
vskb:wertschriften_depot,vskb,securities_trading,BCVs Depot-titres,CHF,private,standard,"Depot-titres avec commission d'administration tiered (0.22%-0.28% selon volume) + frais de courtage par transaction. Tarification non cumulative. Rabais 20% pour fonds BCVS, gratuit pour actions/obligations de caisse BCVS.",,,BPG0038PD6E1,pro,0,,
vskb:etrade,vskb,self_directed_trading,BCVs e-trade,CHF,private,standard,Transactions boursieres en self-service via application mobile e-trade. Courtage facture a 50% du tarif standard. Ordres par telephone restent au tarif standard.,,,BPG003K7DHCD,pro,0,,
vskb:metallkonto,vskb,metal_account,BCVs Compte metaux,CHF,private,standard,"Compte metaux precieux. Commission d'administration annuelle: 0.30% (or, platine, palladium) ou 0.40% (argent). Minimum CHF 50.",,,BPG0035TDXRA,pro,0,,
vskb:fiduciary_terme,vskb,fiduciary_deposit,BCVs Depot fiduciaire ferme,CHF,private,standard,Depot fiduciaire a echeance ferme (minimum CHF 100k ou contre-valeur). Commission tiered 0.50%/0.375%/0.25%/0.125% selon volume.,,,BPG003W5XMGS,pro,0,,
vskb:fiduciary_callgeld,vskb,fiduciary_deposit,BCVs Depot fiduciaire a 2 jours de preavis,CHF,private,standard,Depot fiduciaire callable a 2 jours de preavis. Selon conditions du marche et contreparties agreees.,,,BPG003B1AM4A,pro,0,,