id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
hbl:schalterkarte:annual_fee,hbl:schalterkarte,hbl,annual_fee,Jahresgebuehr,0.0,CHF,annual,,,Kostenlos,11,2026-04-01,free