id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
avera:lombardkredit:mgmt_fee,avera:lombardkredit,avera,admin_fee,Kreditfuehrungsgebuehr Lombard,50.0,CHF,quarterly,,,,2,2025-12-17,free