id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
bekb:sparkonto:account_mgmt,bekb:sparkonto,bekb,account_mgmt,Kontofuehrung,4.0,CHF,annual,,,,,2026-01-01,free
bekb:sparkonto:payment_surcharge,bekb:sparkonto,bekb,transfer_domestic,Zuschlag Nicht-BEKB-Empfaenger,2.5,CHF,per_txn,,,Ab Sparkonto,,2026-01-01,free