id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
arb:privat_start:account_mgmt,arb:privat_start,arb,account_mgmt,Kontofuehrungspauschale,0.0,CHF,monthly,,,Alpha Young Paket — ohne Grundgebuehren,,2026-04-01,free