id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
szkb:kabi_sparkonto:account_mgmt,szkb:kabi_sparkonto,szkb,account_mgmt,Kontofuehrung Kabi-Sparkonto,0.0,CHF,annual,,,,10,2026-03-01,free