id,product_id,feature_key,feature_value,note,source_page
bivial:corporate_account:pf:18plus_currencies,bivial:corporate_account,pricing_condition,18+ account currencies; cross-currency to 90+ countries / 70+ currencies,"Account holding in 18+ currencies. Core currencies for fee purposes: CHF, EUR. ""Other Currencies"" rate (CHF 10 SWIFT) for the remaining 16+. Cross-currency outgoing payments via VISA rails to 90+ countries from CHF/EUR/GBP/USD accounts only.",
bivial:corporate_account:pf:art_1b_licence,bivial:corporate_account,pricing_condition,Art. 1b BankG fintech licence,"Verbatim from PDF: ""Bivial AG is a deposit-taking financial institution authorised by the Swiss Financial Market Supervisory Authority (FINMA) under the Swiss Federal Banking Act, Article 1b."" Deposit-taking permitted up to CHF 100M aggregate. NOT covered by esisuisse (CHF 100k deposit insurance).",
bivial:corporate_account:pf:lack_of_contact_3yr,bivial:corporate_account,pricing_condition,CHF 200/month lack-of-contact fee after 3 years inactivity,"Per Art. 45 Swiss Banking Ordinance (BankV), accounts become formally ""dormant"" only after 10 years. Bivial introduces a separate ""lack-of-contact"" fee that bites at year 3 — CHF 200/month — until either contact resumes or the 10-year dormancy threshold passes. Aggressive vs Swiss-bank norm of CHF 0-50/month after 1-2 years inactivity.",
bivial:corporate_account:pf:swiss_banking_secrecy,bivial:corporate_account,pricing_condition,Swiss banking secrecy + Swiss data protection,"Verbatim from PDF: ""Your data is protected under Swiss banking secrecy and applicable data protection requirements"". Bivial markets the Swiss banking secrecy umbrella explicitly — a feature of being licensed under BankG rather than e.g. an EMI.",
bivial:corporate_account:pf:vat_inclusive,bivial:corporate_account,pricing_condition,All fees are VAT-inclusive,"Verbatim from PDF: ""All fees and charges listed, including those for Payment Transactions, are subject to and are inclusive of VAT."" Notable: most Swiss banks quote net-of-VAT prices; Bivial includes VAT in headline figures.",