id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
yapeal:plan_essential:base_fee,yapeal:plan_essential,yapeal,base_fee,Monatliche Pauschale (Essential),9.0,CHF,monthly,,,"Essential plan: CHF 9/month, unlimited domestic transfers, up to 3 physical + 5 virtual cards.",,2026-06-02,free