id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
migrosbank:credit_visa_free:interest_late,migrosbank:credit_visa_free,migrosbank,interest_late_payment,Kreditzins und Verzug,10.4,percent,annual,,,,17,2026-01-01,free
migrosbank:credit_visa_free:cash_advance,migrosbank:credit_visa_free,migrosbank,cash_advance,Bargeldbezug Geldautomaten,2.5,percent,per_txn,,,Mind. CHF 5,14,2026-01-01,free
migrosbank:credit_visa_free:fx_markup,migrosbank:credit_visa_free,migrosbank,fx_markup,Ausland in Fremdwährung,1.75,percent,per_txn,,,,14,2026-01-01,free
migrosbank:credit_visa_free:annual_fee,migrosbank:credit_visa_free,migrosbank,annual_fee,Jahresgebühr Hauptkarte,0.0,CHF,annual,,,Zusatzkarte kostenlos,14,2026-01-01,free