id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
shkb:visa_debit:annual_fee,shkb:visa_debit,shkb,annual_fee,Jahresgebuehr Visa Debit,30.0,CHF,annual,,,Im Bankpaket PLUS inklusive,,2026-01-01,free