id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
shkb:bankpaket_plus:monthly,shkb:bankpaket_plus,shkb,account_mgmt,Paketpreis,7.0,CHF,monthly,,,"Inkl. Privat-/Sparkonto, Visa Debit, E-Banking, E-Dokumente, eSteuerauszug; 50% Rabatt auf Zusatzprodukte",,2026-01-01,free