{
 "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"
    },
    "SNRC": {
     "name": "National rate cap: savings",
     "value": 4.63,
     "date": "2026-10-01"
    },
    "NDR1MCD": {
     "name": "National rate: 1-month CD",
     "value": 0.23,
     "date": "2026-10-01"
    }
   },
   "checked_at": "2026-11-02"
  }
 },
 "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": 1.0
   },
   "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": 1.0,
   "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": 1.0
   },
   "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"
  }
 ]
}