id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
frkb:mietzinskautionskonto:account_opening,frkb:mietzinskautionskonto,frkb,account_opening,Rueckzahlungsspesen,30.0,CHF,one_time,,,,,2026-01-01,free