id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
saanen:placeholder:account_mgmt,saanen:placeholder,saanen,account_mgmt,Kontofuehrung (Daten pending Re-Crawl),,CHF,monthly,,,Crawl returned requires_manual. Manual-fallback or Q3 re-crawl needed.,,2026-01-01,free