id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
wir:beteiligungs_sparkonto:account_mgmt,wir:beteiligungs_sparkonto,wir,account_mgmt,Kontofuehrung/Basiszins,0.0,CHF,annual,,,,3,2026-04-15,free