id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
efg:metal_account:credit,efg:metal_account,efg,credit,,,,,CHF,2026-06-01,2026-06-01,Metallkonto holds physical precious metals; not interest-bearing. Custody fee in fee table.,