product_feature

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

2 rows where product_id = "clientis_oberaargau:privatkonto"

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id ▼ product_id feature_key feature_value note source_page
clientis_oberaargau:privatkonto:pf:atom_271_escape Privatkonto clientis_oberaargau:privatkonto pricing_condition Atom #271 escape — Clientis member with SERVER-RENDERED savings rates All prior Clientis members loaded (clientis_aareland, oberuzwil, thal, toggenburg, thur, oftringen, eb_entlebucher, ce_courtelary) showed the canonical atom #271 JS-render gate — no concrete rates captured by the standard crawl. Bank Oberaargau is the first to break out: the bankoberaargau.clientis.ch subdomain renders rates in static HTML (or with a JS wait that the crawler implemented for this member). 13 savings/zahl/vorsorge rates captured concrete from rendered MD.  
clientis_oberaargau:privatkonto:pf:foreign_resident_surcharge Privatkonto clientis_oberaargau:privatkonto pricing_condition Explicit CHF 900/year surcharge for non-Swiss-resident clients Auslandkunden Jahresgebuehr CHF 900. Reflects FATCA/AEoI/KYC compliance overhead a small cooperative bank can no longer absorb. Pattern observed at multiple atom #275 cohort members (CEN waives custody for own bonds; Bank Oberaargau adds Auslandkunden surcharge) — both are price-discriminatory moves justifying operational complexity.  

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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);