id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vdkb:bcv_conseil_classique:advisory,vdkb:bcv_conseil_classique,vdkb,mgmt_fee,Commission de conseil (jusqu'a CHF 1m),0.1,percent,per_annum_pct,vol:1m,,"Min CHF 250. Tier matrix: <1m 0.10%, <2m 0.09%, >2m 0.08%. 20% rabais courtage. Hors TVA.",8,2026-01-01,pro