id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
owkb:privatkonto_jugend:account_mgmt,owkb:privatkonto_jugend,owkb,account_mgmt,Kontofuehrung,0.0,CHF,monthly,,,,,2026-04-01,free