id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vdkb:bcv_conseil_plus:advisory,vdkb:bcv_conseil_plus,vdkb,mgmt_fee,Commission de conseil (jusqu'a CHF 1m),0.25,percent,per_annum_pct,vol:1m,,"Min CHF 600. Tier: <1m 0.25%, <2m 0.20%, >2m 0.15%. Ticket fee CHF 50 (CH) ou CHF 80 (etr).",8,2026-01-01,pro