id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
owkb:debit_stu:annual_fee,owkb:debit_stu,owkb,annual_fee,Monatsgebuehr Stu,0.0,CHF,annual,,,(billed monthly at CHF 0/Monat — Stu kostenlos),,2026-04-01,free