id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
gekb:commercial_argent:annual_fee,gekb:commercial_argent,gekb,annual_fee,Cotisation annuelle,85.0,CHF,annual,,,Carte principale et chaque carte supplementaire,31,2026-01-01,free
gekb:commercial_argent:replacement,gekb:commercial_argent,gekb,card_replacement,Carte de remplacement,20.0,CHF,one_time,,,,31,2026-01-01,free
gekb:commercial_argent:late_payment,gekb:commercial_argent,gekb,late_payment_fee,Retard de paiement,20.0,CHF,per_txn,,,,31,2026-01-01,free
gekb:commercial_argent:cash_advance,gekb:commercial_argent,gekb,cash_advance,Retrait especes,4.0,percent,per_txn,,,"4% min CHF 10, en Suisse et a l'etranger",31,2026-01-01,free
gekb:commercial_argent:fx_markup,gekb:commercial_argent,gekb,fx_markup,Transactions en monnaie etrangere,1.5,percent,per_txn,,,,31,2026-01-01,free