id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
grkb:geschenksparkonto:account_mgmt,grkb:geschenksparkonto,grkb,account_mgmt,Kontofuehrung,0.0,CHF,annual,,,Kostenlos,5,2026-03-01,free