id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vskb:compte_club:account_mgmt,vskb:compte_club,vskb,account_mgmt,Frais de gestion par mois,3.0,CHF,monthly,,,,4,2026-01-01,free
vskb:compte_club:paper_statement,vskb:compte_club,vskb,statement_fee,Frais de releve papier,1.0,CHF,per_txn,,paper,,4,2026-01-01,free