id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zgkb:privatkonto_fix:account_mgmt,zgkb:privatkonto_fix,zgkb,account_mgmt,Kontofuehrung,0.0,CHF,monthly,,,,,2026-01-01,free