id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
hbl:debit_card:annual_fee,hbl:debit_card,hbl,annual_fee,Jahresgebuehr,30.0,CHF,annual,,,,11,2026-04-01,free
hbl:debit_card:atm_domestic_other,hbl:debit_card,hbl,atm_domestic_other,EUR-Bezug an Fremdbancomaten CH,5.0,CHF,per_txn,,,CHF-Bezug an Hypi- und Fremdbancomaten kostenlos,11,2026-04-01,free
hbl:debit_card:atm_abroad,hbl:debit_card,hbl,atm_abroad,Bargeldbezug Bancomaten Ausland,5.0,CHF,per_txn,,,Zuzueglich Fremdkosten,11,2026-04-01,free
hbl:debit_card:purchase_abroad,hbl:debit_card,hbl,purchase_abroad,Bargeldlos im Ausland (auch Online),1.5,CHF,per_txn,,,Zuzueglich Fremdkosten,11,2026-04-01,free
hbl:debit_card:replacement,hbl:debit_card,hbl,replacement_card,Ersatzkarte,0.0,CHF,one_time,,,Kostenlos,11,2026-04-01,free