product_feature

Data license: CC-BY-4.0 · Data source: bankproducts.info

5 rows where product_id = "bivial:corporate_account"

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id ▼ product_id feature_key feature_value note source_page
bivial:corporate_account:pf:18plus_currencies Corporate Multi-Currency Account 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 Corporate Multi-Currency Account 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 Corporate Multi-Currency Account 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 Corporate Multi-Currency Account 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 Corporate Multi-Currency Account 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.  

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CREATE TABLE product_feature (
    id          TEXT PRIMARY KEY,
    product_id  TEXT NOT NULL REFERENCES product(id),
    feature_key TEXT NOT NULL,          -- withdrawal_limit_free, notice_period, daily_limit, monthly_limit,
                                        -- interest_late_payment, max_balance, included_services, ...
    feature_value TEXT,
    note        TEXT,
    source_page INTEGER
);
CREATE INDEX idx_product_feature_product ON product_feature(product_id);
CREATE INDEX idx_product_feature_key ON product_feature(feature_key);