id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
raiffeisen_schweiz:kontokarte:annual_fee,raiffeisen_schweiz:kontokarte,raiffeisen_schweiz,annual_fee,Kartengebuehr,0.0,CHF,annual,,,,4,2026-01-01,free