id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
slr:sparkonto:account_closing,slr:sparkonto,slr,account_closing,Saldierung Sparkonto,10.0,CHF,one_time,,,,4,2026-01-01,free
slr:sparkonto:non_notice_penalty,slr:sparkonto,slr,early_withdrawal_penalty,Nicht-Kuendigungskommission,2.0,percent,per_txn,,,Auf limitueberschreitendem Betrag bei Auszahlungen ueber Freibetrag/ausserhalb Kuendigungsfrist (atom #287),9,2026-01-01,free
slr:sparkonto:account_mgmt,slr:sparkonto,slr,account_mgmt,Kontofuehrung Sparkonto,0.0,CHF,annual,,,,4,2026-01-01,free
slr:sparkonto:statement_post_annual,slr:sparkonto,slr,statement_paper,Auszug per Post (jaehrlich),0.0,CHF,annual,,paper,monatlich CHF 1.50,4,2026-01-01,free