id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
sparcassa:ebanking:base_fee,sparcassa:ebanking,sparcassa,base_fee,e-Banking Grundgebuehr,0.0,CHF,annual,,,kostenlos,1,2026-01-01,free