id,product_id,bank_id,fee_type,label,amount,currency,frequency,tier,channel,note,source_page,valid_from,access_tier
zkb:visa_debit:annual_fee_extra,zkb:visa_debit,zkb,annual_fee,3. und weitere Karten,39.6,CHF,annual,3rd card onwards,,(billed monthly at CHF 3.30/Monat — 3. Karte und weitere),13,2026-04-01,free
zkb:visa_debit:replacement_card,zkb:visa_debit,zkb,replacement_card,Ersatzkarte,20.0,CHF,one_time,,,,13,2026-04-01,free
zkb:visa_debit:atm_abroad,zkb:visa_debit,zkb,atm_abroad,Bargeldbezug Ausland,5.0,CHF,per_txn,,,,13,2026-04-01,free
zkb:visa_debit:atm_other,zkb:visa_debit,zkb,atm_domestic_other,Andere Institute Schweiz,2.0,CHF,per_txn,,,,13,2026-04-01,free
zkb:visa_debit:fx_markup,zkb:visa_debit,zkb,fx_markup,Fremdwaehrungstransaktionen,1.25,percent,per_txn,,,Max CHF 1.50 pro Transaktion,13,2026-04-01,free
zkb:visa_debit:annual_fee,zkb:visa_debit,zkb,annual_fee,Monatsgebuehr,0.0,CHF,annual,,,Bis 2 Karten kostenlos; jede weitere CHF 3.30/Monat ; (billed monthly at CHF 0/Monat — bis 2 Karten kostenlos),13,2026-04-01,free
zkb:visa_debit:atm_own,zkb:visa_debit,zkb,atm_domestic_own,Geldautomaten aller Kantonalbanken,0.0,CHF,per_txn,,,,13,2026-04-01,free