id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
sgkb:consult_direct:mindestpreis,sgkb:consult_direct,sgkb,annual_fee,DIRECT Mindestpreis p.a.,100.0,CHF,annual,,,,3,,pro
sgkb:consult_direct:positionspreis,sgkb:consult_direct,sgkb,custody_fee,Positionspreis pro Valor (Schuldbriefe/Policen/Dokumente),50.0,CHF,per_annum_fixed,,,pro Position p.a.,3,,pro
sgkb:consult_direct:flat,sgkb:consult_direct,sgkb,mgmt_fee,DIRECT Paketpreis,0.25,percent,per_annum_pct,all,,Mindestpreis CHF 100.,3,2025-11-24,pro
sgkb:consult_direct:depot_fee_flat,sgkb:consult_direct,sgkb,depot_fee,"DIRECT Paketpreis (Depotwert, flat)",0.25,percent,per_annum_pct,,,Volumenunabhaengig,3,,pro
sgkb:consult_direct:zuschlag_drittfonds,sgkb:consult_direct,sgkb,depot_fee,Zuschlag auf Drittfonds (inkl. ETF),0.2,percent,per_annum_pct,,,,3,,pro
sgkb:consult_direct:zuschlag_ausland,sgkb:consult_direct,sgkb,depot_fee,Zuschlag auf Werte mit auslaendischem Valorendomizil,0.1,percent,per_annum_pct,,,CH/LI/SGKB-LU-Fonds gelten als Inland,3,,pro