id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
postfinance:smartstudents:base_fee,postfinance:smartstudents,postfinance,base_fee,Bankpaketgebuehren,0.0,CHF,monthly,,,,6,2026-01-01,free