id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zgkb:sparen3:account_mgmt,zgkb:sparen3,zgkb,account_mgmt,Kontofuehrung,0.0,CHF,annual,,,,,2025-01-01,pro
zgkb:sparen3:account_closing,zgkb:sparen3,zgkb,account_closing,Kontosaldierung,0.0,CHF,one_time,,,CHF 50 wenn Konto <6 Monate aktiv,,2025-01-01,pro