id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:sparkonto:transfer_surcharge,zkb:sparkonto,zkb,transfer_surcharge,Zahlung zu Lasten Sparkonto,2.0,CHF,per_txn,,,Zuschlag auf alle Kanaele,9,2026-04-01,free
zkb:sparkonto:account_mgmt,zkb:sparkonto,zkb,account_mgmt,Kontofuehrung,0.0,CHF,annual,,,,4,2026-04-01,free
zkb:sparkonto:account_opening,zkb:sparkonto,zkb,account_opening,Eroeffnung,0.0,CHF,one_time,,,,4,2026-04-01,free
zkb:sparkonto:account_closing,zkb:sparkonto,zkb,account_closing,Saldierung,0.0,CHF,one_time,,,,4,2026-04-01,free