id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vpbank_ch:vida_essential:mgmt_fee,vpbank_ch:vida_essential,vpbank_ch,management_fee,VV-Gebuehr Essential,0.6,percent,annual,,,,4,2026-01-01,pro