id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
hbl:vorsorgekonto_3a:account_mgmt,hbl:vorsorgekonto_3a,hbl,account_mgmt,Kontofuehrung,0.0,CHF,annual,,,Kostenlos,10,2026-04-01,pro