id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
avera:sparkonto:transfer_surcharge,avera:sparkonto,avera,payment_surcharge,Zuschlag bei Zahlungsausgang ab Sparkonto,2.0,CHF,per_txn,,,"Gilt fuer Sparkonto, Sparkonto Plus, Sparkonto Top, Mieterkaution.",1,2025-12-17,free