id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:banking_young:base_fee,zkb:banking_young,zkb,base_fee,Paketpreis,0.0,CHF,monthly,,,"Inkl. Privatkonto Young, Sparkonto Young, Visa Debit, PrePaid MC oder Kreditkarte Standard, eBanking, TWINT, Nachtschwärmer, Stu-Vergünstigungen",20,2026-04-01,free