id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
shkb:sparkonto:payment_surcharge,shkb:sparkonto,shkb,transfer_domestic,Zuschlag Zahlung ab Sparkonto,5.0,CHF,per_txn,,ebanking,,,2026-01-01,free