id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
lukb:visa_debit_stu:annual_fee,lukb:visa_debit_stu,lukb,annual_fee,Monatsgebuehr,0.0,CHF,annual,,,(billed monthly at CHF 0/Monat — kostenlos),,2026-03-01,free