id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vali:visa_classic:annual_fee,vali:visa_classic,vali,annual_fee,Jahresgebuehr Visa Classic,100.0,CHF,annual,,,,,2026-02-10,free
vali:visa_classic:atm_abroad,vali:visa_classic,vali,atm_abroad,Bargeldbezug Ausland,5.0,CHF,per_txn,,,,,2026-02-10,free
vali:visa_classic:fx_markup,vali:visa_classic,vali,fx_markup,Fremdwaehrungszuschlag,1.5,percent,per_txn,,,,,2026-02-10,free