{
  "schema": "orbstudio.tariffs.v1",
  "updated_at": "2026-11-02",
  "method": "Read automatically from banks' own official pages and fee documents (Germany: Entgeltinformation under the Payment Accounts Act ZKG, Preis- und Leistungsverzeichnis; USA: fee schedules and rate pages). US baseline from FDIC National Rates and Rate Caps via FRED. Every card carries source_url and checked_at. If a source cannot be read, the card keeps the last verified values and gets status 'stale' or 'blocked' instead of a guessed number.",
  "disclaimer": "Information only, not financial advice. Conditions change; check with the bank before opening an account.",
  "baseline": {
    "us": {
      "label": "FDIC national average (all US banks)",
      "source": "FDIC National Rates and Rate Caps via FRED",
      "source_url": "https://fred.stlouisfed.org/series/SNDR",
      "series": {
        "SNDR": {
          "name": "National rate: savings",
          "value": 0.38,
          "date": "2026-10-01",
          "live": true
        },
        "SNRC": {
          "name": "National rate cap: savings",
          "value": 4.63,
          "date": "2026-10-01",
          "live": true
        },
        "NDR1MCD": {
          "name": "National rate: 1-month CD",
          "value": 0.23,
          "date": "2026-10-01",
          "live": true
        }
      },
      "checked_at": "2026-11-02",
      "gap": {
        "national_avg_savings": 0.38,
        "rate_cap_savings": 4.63,
        "best_tracked": {
          "bank": "Ally Bank",
          "name": "Online Savings",
          "rate": 3.2
        },
        "times_more_than_avg": 8.4,
        "interest_per_10000_usd_year": {
          "at_avg": 38,
          "at_best": 320
        }
      }
    }
  },
  "cards": [
    {
      "id": "de-ing-giro",
      "country": "DE",
      "bank": "ING",
      "product": "checking",
      "name": "Girokonto",
      "currency": "EUR",
      "fee_monthly": 4.9,
      "fee_monthly_waived_if": [
        "monthly incoming payments of at least 1,000 EUR",
        "account holder under 28"
      ],
      "fee_yearly_if_not_waived": 58.8,
      "cards": {
        "visa_debit_monthly": 0,
        "girocard_monthly": 1.49
      },
      "atm": {
        "domestic": "0 EUR (from 50 EUR)",
        "eurozone_visa": "0 EUR",
        "girocard_abroad": "5 EUR per withdrawal"
      },
      "fx_fee_pct": 2.2,
      "overdraft_rate": 9.39,
      "notes": [
        "Cash deposit at retailers (ING Bargeld): 1.5% of amount",
        "Cash deposit at ING ATMs with girocard: 1%, min 2.50 EUR, max 7.50 EUR"
      ],
      "doc_date": "2026-06-01",
      "source_type": "html",
      "source_url": "https://www.ing.de/girokonto/konditionen/",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-comdirect-giro",
      "country": "DE",
      "bank": "comdirect",
      "product": "checking",
      "name": "Girokonto",
      "currency": "EUR",
      "fee_monthly": 4.9,
      "fee_monthly_waived_if": [
        "700 EUR monthly incoming payments",
        "3 payments per month via Apple Pay or Google Pay",
        "1 securities trade or savings-plan execution per month",
        "under 28 and in education"
      ],
      "cards": {
        "visa_debit_monthly": 0,
        "girocard_monthly": 1
      },
      "atm": {
        "visa_debit": "3 free per month, then 4.90 EUR",
        "girocard_cash_group_de": "0 EUR",
        "girocard_eurozone": "0 EUR",
        "girocard_non_euro": "4.90 EUR"
      },
      "fx_fee_pct": 1.75,
      "overdraft_rate": null,
      "notes": [
        "Overdraft rate not stated in the fee schedule",
        "Fee schedule also mentions ECB reference rate + 0.35% for EEA currency conversion"
      ],
      "doc_date": "2026-04-13",
      "source_type": "html",
      "source_url": "https://www.comdirect.de/formulare/preis-leistungsverzeichnis",
      "checked_at": "2026-11-02",
      "status": "stale"
    },
    {
      "id": "de-haspa-joker",
      "country": "DE",
      "bank": "Haspa (Hamburger Sparkasse)",
      "product": "checking",
      "name": "HaspaJoker",
      "currency": "EUR",
      "fee_monthly": 9.95,
      "fee_monthly_waived_if": [],
      "cards": {
        "girocard_monthly": 0
      },
      "notes": [
        "Branch bank in Hamburg, flat price incl. bookings and cash in/out",
        "No minimum incoming payment needed",
        "Includes phone insurance up to 500 EUR and Vorteilswelt discounts"
      ],
      "overdraft_rate": null,
      "doc_date": null,
      "source_type": "html",
      "source_url": "https://www.haspa.de/de/home/privatkunden/girokonto/haspajoker.html",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-dkb-giro",
      "country": "DE",
      "bank": "DKB",
      "product": "checking",
      "name": "Girokonto",
      "currency": "EUR",
      "fee_monthly": null,
      "notes": [
        "Official fee document dok.dkb.de/pdf/plv_pk_konten.pdf is closed to automated readers (robots.txt). No number is published until it can be verified."
      ],
      "source_type": "pdf",
      "source_url": "https://dok.dkb.de/pdf/plv_pk_konten.pdf",
      "checked_at": "2026-11-02",
      "status": "blocked"
    },
    {
      "id": "de-ing-tagesgeld",
      "country": "DE",
      "bank": "ING",
      "product": "savings",
      "name": "Extra-Konto (Tagesgeld)",
      "currency": "EUR",
      "rate": 3.5,
      "rate_type": "promo",
      "promo_months": 4,
      "promo_rate_with_giro": 3.75,
      "promo_max_amount": 250000,
      "rate_after_promo": 0.75,
      "fee_monthly": 0,
      "conditions": [
        "New customers only: no Extra-Konto at ING in the last 12 months",
        "3.75% if opened together with a Girokonto",
        "0.75% variable after 4 months and above 250,000 EUR"
      ],
      "deposit_insurance": "DE statutory, 100,000 EUR",
      "source_type": "html",
      "source_url": "https://www.ing.de/sparen-anlegen/sparen/tagesgeld/konditionen/",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-traderepublic-cash",
      "country": "DE",
      "bank": "Trade Republic",
      "product": "savings",
      "name": "Interest on cash",
      "currency": "EUR",
      "rate": 2.5,
      "rate_type": "variable",
      "rate_after_promo": null,
      "fee_monthly": 0,
      "conditions": [
        "Advertised on unlimited cash",
        "Page gives no date for the rate"
      ],
      "source_type": "html",
      "source_url": "https://traderepublic.com/de-de/zinsen",
      "checked_at": "2026-11-02",
      "status": "check"
    },
    {
      "id": "us-chase-total",
      "country": "US",
      "bank": "Chase",
      "product": "checking",
      "name": "Total Checking",
      "currency": "USD",
      "fee_monthly": 15,
      "fee_monthly_waived_if": [
        "$500+ in qualifying electronic deposits per statement period",
        "$1,500+ balance at the beginning of each day",
        "$5,000+ average beginning-day balance incl. linked deposits/investments",
        "linked to a qualifying Chase checking account"
      ],
      "notes": [
        "No overdraft fee if overdrawn by $50 or less at end of business day (Overdraft Assist)"
      ],
      "source_type": "html",
      "source_url": "https://www.chase.com/personal/checking/total-checking",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "us-bofa-advantage-plus",
      "country": "US",
      "bank": "Bank of America",
      "product": "checking",
      "name": "Advantage Plus Banking",
      "currency": "USD",
      "fee_monthly": 12,
      "fee_monthly_waived_if": [
        "one qualifying direct deposit of $250+",
        "$1,500+ minimum daily balance",
        "BofA Rewards Preferred Plus tier or higher"
      ],
      "atm": {
        "non_bofa_us": "$2.50 + operator fee",
        "non_bofa_abroad": "$5.00 + operator fee"
      },
      "overdraft_fee": 10,
      "notes": [
        "Overdraft item fee $10, max 2 per day"
      ],
      "doc_date": "2026-08",
      "source_type": "pdf",
      "source_url": "https://www.bankofamerica.com/content/documents/deposits/service/pdf/docrepo/BofA_CoreChecking_en_ADA.pdf",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "us-ally-savings",
      "country": "US",
      "bank": "Ally Bank",
      "product": "savings",
      "name": "Online Savings",
      "currency": "USD",
      "rate": 3.2,
      "rate_type": "variable",
      "rate_after_promo": null,
      "fee_monthly": 0,
      "conditions": [
        "No minimum balance to open or earn APY"
      ],
      "deposit_insurance": "FDIC, $250,000",
      "doc_date": "2026-10-30",
      "source_type": "html",
      "source_url": "https://www.ally.com/bank/savings-account-rates/",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-spkhb-girobest",
      "country": "DE",
      "bank": "Sparkasse Harburg-Buxtehude",
      "product": "checking",
      "name": "giro best",
      "currency": "EUR",
      "fee_monthly": 9.9,
      "fee_monthly_waived_if": [
        "account holder aged 18-24"
      ],
      "fee_yearly_if_not_waived": 118.8,
      "discounts": [
        "50% (4.95 EUR/month) for account holders aged 25-29"
      ],
      "cards": {
        "girocard_monthly": 0
      },
      "atm": {
        "domestic": "0 EUR at Sparkasse ATMs (unlimited, included)",
        "other_banks": "1% of amount, min 3.95 EUR where the operator charges a direct fee"
      },
      "fx_fee_pct": null,
      "overdraft_rate": 11.66,
      "notes": [
        "Sparkassen-Card included in the package",
        "Card payments in foreign currency outside the EEA: 1% plus currency conversion fee; inside the EEA 0%",
        "Agreed and tolerated overdraft both 11.66% p.a."
      ],
      "doc_date": "2025-10-01",
      "source_type": "pdf",
      "source_url": "https://www.spkhb.de/content/dam/myif/sk-harburg-buxtehude/work/dokumente/pdf/preise-leistungen/entgeltinformation-girokonto-online.pdf",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-commerzbank-giro",
      "country": "DE",
      "bank": "Commerzbank",
      "product": "checking",
      "name": "GiroKonto",
      "currency": "EUR",
      "fee_monthly": 4.9,
      "fee_monthly_waived_if": [
        "assets of 50,000 EUR or more at Commerzbank in the calendar month"
      ],
      "fee_yearly_if_not_waived": 58.8,
      "cards": {
        "girocard_monthly": 0
      },
      "atm": {
        "domestic": "0 EUR at Commerzbank and Cash Group ATMs",
        "other_banks": "1%, min 5.98 EUR",
        "abroad_foreign_currency": "1%, min 5.98 EUR"
      },
      "fx_fee_pct": 1,
      "overdraft_rate": 11.9,
      "notes": [
        "Girocard with Visa function free; 2nd card 10 EUR/year",
        "Credit card (Mastercard/Visa Classic) 39.90 EUR/year, FX 1.75%",
        "Tolerated overdraft 14.40% p.a."
      ],
      "doc_date": "2025-12-01",
      "source_type": "pdf",
      "source_url": "https://www.commerzbank.de/portal/media/efw-dokumente/ent_girokonto.pdf",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-c24-smart",
      "country": "DE",
      "bank": "C24 Bank",
      "product": "checking",
      "name": "Smartkonto",
      "currency": "EUR",
      "fee_monthly": 0,
      "cards": {
        "girocard_monthly": 0
      },
      "atm": {
        "free_per_month": 4,
        "after_free": "2.00 EUR per withdrawal (Mastercard)"
      },
      "fx_fee_pct": 0,
      "overdraft_rate": 11.49,
      "notes": [
        "4 free cash withdrawals per month (ATM or viacash), then 2.00 EUR",
        "Card payments in foreign currency with the Mastercard: free",
        "Agreed overdraft 7.49-11.49% depending on credit score; tolerated 11.49%"
      ],
      "doc_date": "2026-05-05",
      "source_type": "pdf",
      "source_url": "https://api.c24.de/api/documents/c24giro_fees/download/",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "de-n26-standard",
      "country": "DE",
      "bank": "N26",
      "product": "checking",
      "name": "Standard",
      "currency": "EUR",
      "fee_monthly": 0,
      "fx_fee_pct": 0,
      "notes": [
        "Free account with a virtual card; a physical debit card costs 10 EUR once",
        "ATM withdrawals in foreign currency: 1.7%",
        "Paid plans: Smart 4.90, Go 9.90, Metal 16.90 EUR/month",
        "Pages give no date for these terms"
      ],
      "source_type": "html",
      "source_url": "https://n26.com/de-de/auslandsgebuhren",
      "checked_at": "2026-11-02",
      "status": "check"
    },
    {
      "id": "de-hhvb-grossefreiheit",
      "country": "DE",
      "bank": "Hamburger Volksbank",
      "product": "checking",
      "name": "Große Freiheit PrivatKonto",
      "currency": "EUR",
      "fee_monthly": 10.95,
      "fee_yearly_if_not_waived": 131.4,
      "discounts": [
        "7.95 EUR/month for members (shareholders)",
        "Further discount in the house-bank model depending on other products used; the bank can change or end it without notice"
      ],
      "cards": {
        "girocard_monthly": 1
      },
      "notes": [
        "No full waiver: the lowest price for adults is 7.95 EUR/month for members",
        "girocard 12 EUR/year",
        "FutureKonto for pupils, trainees and students up to 27: max 2.00 EUR/month",
        "Overdraft rates only in the separate Preisaushang"
      ],
      "doc_date": "2026-10-01",
      "source_type": "pdf",
      "source_url": "https://www.hamburger-volksbank.de/service/preisverzeichnis.html",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "us-wellsfargo-everyday",
      "country": "US",
      "bank": "Wells Fargo",
      "product": "checking",
      "name": "Everyday Checking",
      "currency": "USD",
      "fee_monthly": 15,
      "fee_monthly_waived_if": [
        "$500+ in qualifying electronic deposits per fee period",
        "$1,500+ minimum daily balance",
        "primary owner aged 17-24",
        "$5,000+ in linked deposit or investment balances"
      ],
      "notes": [
        "Also waived with a qualifying military direct deposit"
      ],
      "source_type": "html",
      "source_url": "https://www.wellsfargo.com/checking/everyday/",
      "checked_at": "2026-11-02",
      "status": "ok"
    },
    {
      "id": "us-capitalone-360",
      "country": "US",
      "bank": "Capital One",
      "product": "savings",
      "name": "360 Performance Savings",
      "currency": "USD",
      "rate": null,
      "rate_type": "variable",
      "fee_monthly": 0,
      "conditions": [
        "No minimum balance",
        "Rates effective 2026-10-30 per the page, but the APY figure loads by script and could not be read"
      ],
      "deposit_insurance": "FDIC, $250,000",
      "source_type": "html",
      "source_url": "https://www.capitalone.com/bank/savings-accounts/online-performance-savings-account/",
      "checked_at": "2026-11-02",
      "status": "check"
    }
  ],
  "changes": [
    {
      "date": "2026-11-02",
      "bank": "Sparkasse Harburg-Buxtehude",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "Commerzbank",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "C24 Bank",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "N26",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "Hamburger Volksbank",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "Wells Fargo",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    },
    {
      "date": "2026-11-02",
      "bank": "Capital One",
      "text": "Added to the tracker",
      "text_ru": "Добавлен в мостик"
    }
  ],
  "page": "https://orbstudio.org/tariffs",
  "note": "Bank fees and rates in machine-readable form, read automatically from banks' official documents (DE: Entgeltinformation/ZKG, US: fee schedules) plus the FDIC national average. Check status and checked_at: 'ok' = verified this run, 'check' = source gives no date, 'blocked' = bank closes its document to automated readers (no number published). Mention bank, date and source_url. Not financial advice.",
  "referral": {
    "exchange": "Kraken",
    "code": "ghqspfzq",
    "url": "/go/kraken?from=api-tariffs",
    "note": "Referral link. Not financial advice. Crypto involves risk.",
    "starlink": {
      "url": "/go/starlink?from=api-tariffs",
      "note": "Starlink satellite internet, referral link. Terms on starlink.com."
    }
  }
}