id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
hbl:privatkonto_eur:account_mgmt,hbl:privatkonto_eur,hbl,account_mgmt,Kontofuehrung,3.0,CHF,monthly,,,,2,2026-04-01,free