id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
raiffeisen_schweiz:youngmember:account_mgmt,raiffeisen_schweiz:youngmember,raiffeisen_schweiz,account_mgmt,Kontofuehrungsgebuehr,0.0,CHF,annual,,,,2,2026-01-01,free