id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
avera:vermoegensverwaltung_ausgewogen:mgmt_fee,avera:vermoegensverwaltung_ausgewogen,avera,mgmt_fee,All-in-Fee,1.0,percent,annual,,,,2,2025-12-17,pro