id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
sgkb:credit_commercial_silber:annual_fee,sgkb:credit_commercial_silber,sgkb,annual_fee,Jahresgebuehr,85.0,CHF,annual,,,,,2025-11-24,free