product_feature

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

4 rows where product_id = "relio:business_account"

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Suggested facets: feature_key

id ▼ product_id feature_key feature_value note source_page
relio:business_account:pf:art_1b_licence Business Account relio:business_account pricing_condition Art. 1b BankG fintech licence (deposit-taking limited to CHF 100M aggregate) Relio holds a Swiss FINMA Art. 1b BankG ("Bewilligung fuer Institute mit beschraenkter Tätigkeit") licence, not a full Art. 1 banking licence. Customer deposits are NOT covered by esisuisse (the CHF 100k deposit insurance scheme that protects Art. 1 banks). Art. 1b deposits must be held in segregated accounts at a custodian bank under FINMA rules.  
relio:business_account:pf:online_onboarding Business Account relio:business_account service_channel Online account opening, no minimum deposit Standard fintech onboarding posture. Differentiator vs traditional Swiss SME banks which typically require an in-person meeting and a CHF 25-50k opening balance for foreign-owned entities.  
relio:business_account:pf:tailored_pricing_model Business Account relio:business_account pricing_condition Flat monthly fee, all-inclusive, negotiated per client Verbatim from relio.ch/en/pricing: "You pay the same price every month, regardless of your account usage" + "every client gets a fee tailored to their needs". This is the entire pricing model — no per-transaction component, no FX markup tier, no card surcharge. All account activity covered by the single negotiated monthly fee.  
relio:business_account:pf:target_complex_sme Business Account relio:business_account eligibility Complex SME — international activity, foreign owners/directors Per relio.ch homepage: target customers are Freelancer / Startup / SME, with explicit emphasis on "complex business cases including International business activities, Foreign owners and directors". The tailored pricing makes economic sense at this target because complex KYC and ongoing compliance vary materially per client.  

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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);