id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
cler:sparkonto:credit:tier1,cler:sparkonto,cler,credit,0.05,0.0,500000.0,,CHF,2026-05-23,2026-04-01,Tier bis 500 000 CHF,
cler:sparkonto:credit:tier2,cler:sparkonto,cler,credit,0.0,500000.0,,,CHF,2026-05-23,2026-04-01,Tier ab 500 000 CHF,