id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
szkb:sparkonto_redy:account_closing,szkb:sparkonto_redy,szkb,account_closing_fee,Saldierung,10.0,CHF,one_time,,,,10,2026-03-01,free
szkb:sparkonto_redy:account_mgmt,szkb:sparkonto_redy,szkb,account_mgmt,Kontofuehrung Sparkonto REDy,0.0,CHF,annual,,,,10,2026-03-01,free