id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
sgkb:credit_silber:annual_fee,sgkb:credit_silber,sgkb,annual_fee,Jahresgebuehr Hauptkarte,100.0,CHF,annual,,,,,2025-11-24,free
sgkb:credit_silber:late_payment,sgkb:credit_silber,sgkb,late_payment_fee,Verzugszins,13.0,percent,per_annum_pct,,,,,2025-11-24,free
sgkb:credit_silber:cash_advance,sgkb:credit_silber,sgkb,cash_advance,Bargeldbezug,4.0,percent,per_txn,,,mind. CHF 10,,2025-11-24,free
sgkb:credit_silber:fx_markup,sgkb:credit_silber,sgkb,fx_markup,Fremdwaehrungszuschlag,1.75,percent,per_txn,,,Auf konvertierten Gesamtbetrag,,2025-11-24,free