id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
frkb:sparkonto_eur:account_mgmt,frkb:sparkonto_eur,frkb,account_mgmt,Buchungsspesen,0.5,CHF,per_txn,,,CHF -.50 pro Buchung,,2026-01-01,free
frkb:sparkonto_eur:closing_fee,frkb:sparkonto_eur,frkb,closing_fee,Abschlussspesen,0.0,CHF,annual,,,,,2026-01-01,free