Add EUR bank fee differentiation (Olky 0.5%, Yapeal 2%)

[TaprootFreak]

Summary

• Existing Bank Fee EUR 0.5% (fee id 141) has bankId = NULL and applies to every EUR bank input regardless of bank
• Differentiate per bank for the three banks with active EUR deposit volume in 2026:

Fee ID	Label	Rate	Bank
141	Bank Fee EUR Olky 0.5% (renamed)	0.5%	Olkypay (id 4)
new	Bank Fee EUR Yapeal 2%	2%	Yapeal (id 16, matches both Yapeal IBANs by name)
new	Bank Fee EUR Raiffeisen 0.5%	0.5%	Raiffeisen (id 12)

Other EUR-denominated bank accounts (Bank Frick, Maerki Baumann, Revolut, Kaleido) had no or near-zero deposit volume in 2026 and lose the bank fee. New deposit channels via these banks must be re-evaluated explicitly before activation.

In-flight buy_crypto rows whose fees have not been calculated yet (percentFee IS NULL) will pick up the new rates on the next preparation run.

Test plan

• Verify migration runs successfully on staging
• Confirm fee 141 has bankId = 4 and renamed label after deployment
• Confirm new Yapeal fee (rate 0.02, bankId = 16, fiats = '2') is active
• Confirm new Raiffeisen fee (rate 0.005, bankId = 12, fiats = '2') is active
• Quote a EUR buy via Olkypay account — bankPercent rate is 0.5%
• Quote a EUR buy via Yapeal account — bankPercent rate is 2%
• Quote a EUR buy via Raiffeisen account — bankPercent rate is 0.5%