id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
frkb:juniorkonto:account_mgmt,frkb:juniorkonto,frkb,account_mgmt,Buchungsspesen,0.0,CHF,monthly,,,,,2026-01-01,free
frkb:juniorkonto:closing_fee,frkb:juniorkonto,frkb,closing_fee,Abschlussspesen,0.0,CHF,annual,,,,,2026-01-01,free