id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
bs_bank_schaffhausen:sparkonto_top:annual,bs_bank_schaffhausen:sparkonto_top,bs_bank_schaffhausen,annual_fee,Kontoabschluss,10.0,CHF,annual,,,,1,,free
bs_bank_schaffhausen:sparkonto_top:closure,bs_bank_schaffhausen:sparkonto_top,bs_bank_schaffhausen,account_closing,Saldierungsspesen,10.0,CHF,one_time,,,,1,,free
bs_bank_schaffhausen:sparkonto_top:penalty,bs_bank_schaffhausen:sparkonto_top,bs_bank_schaffhausen,withdrawal_excess_fee,Nichtkuendigungskommission,2.0,percent,per_txn,,,2% bei Rueckzug ohne 12-Monats-Kuendigungsfrist,1,,free