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
yapeal:plan_free,yapeal,package,YAPEAL Direkt Free,CHF,business,standard,"Free tier: 1 Swiss IBAN, 1 EUR/CHF sub-account, 1 physical Visa Debit, 1 virtual card, 5 domestic CHF transfers per month (CHF 0.30 per additional). Per-line transfer fees apply (SEPA in CHF 1 / out CHF 2, SWIFT in CHF 4 / out CHF 27.50).",,,BPG003BX7E7T,free,0,,
yapeal:plan_essential,yapeal,package,YAPEAL Direkt Essential,CHF,business,standard,"CHF 9/month. Unlimited domestic transfers. Up to 3 physical + 5 virtual cards. 2 EUR/CHF sub-accounts. SEPA in/out free, SWIFT in free, SWIFT out CHF 4.",,,BPG003J6TZSE,free,0,,
yapeal:plan_grow,yapeal,package,YAPEAL Direkt Grow,CHF,business,standard,CHF 49/month. Unlimited domestic transfers. Up to 20 physical + 50 virtual cards. 4 EUR/CHF sub-accounts. Same SEPA/SWIFT pricing as Essential.,,,BPG0031VNT78,free,0,,
yapeal:plan_business,yapeal,package,YAPEAL Direkt Business,CHF,business,standard,CHF 119/month. Unlimited domestic transfers. Up to 200 physical + 500 virtual cards. Free card replacement. Same SEPA/SWIFT pricing as Essential.,,,BPG003MRTX80,free,0,,
yapeal:business_account,yapeal,current_account,YAPEAL Direkt Business Account (CHF),CHF,business,standard,Swiss IBAN business account. CHF custody held at segregated Schweizerische Nationalbank (SNB) account per Art. 1b BankV fintech rules. Fees vary by package tier — see plan products + tiered fee rows below.,,,BPG0037VP0K1,free,0,,
yapeal:sub_account_eur,yapeal,current_account,EUR/CHF Subaccount,EUR,business,standard,"EUR or additional CHF sub-account. Included quota varies by plan (Free: 1, Essential: 2, Grow: 4). Extra sub-account above the included quota: CHF 9/month.",,,BPG00355HXPX,free,0,,
yapeal:visa_debit,yapeal,debit_card,Visa Debit Card (physical),CHF,business,standard,"Physical Visa Debit Card. Included count varies by plan (Free: 1, Essential: up to 3, Grow: up to 20, Business: up to 200). Additional card monthly fee + ATM fees + abroad FX markup apply.",,,BPG003TA400Q,free,0,,
yapeal:virtual_card,yapeal,debit_card,Virtual Visa Debit Card,CHF,business,standard,"Virtual Visa Debit Card for online payments / mobile wallets. Included count varies by plan (Free: 1, Essential: 5, Grow: 50, Business: 500). Additional virtual card: CHF 2/month.",,,BPG00323R9MZ,free,0,,