id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
vskb:conseil_advanced:advisory,vskb:conseil_advanced,vskb,mgmt_fee,Commission de conseil Advanced,0.35,percent,per_annum_pct,,,"Min facture CHF 700. Tous montants. Plus commission administration depot (separe). 50% rabais courtage, 50% rabais fonds BCVS.",7,2026-01-01,pro