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_exclusive:credit:y1_classic,cler:sparkonto_exclusive,cler,credit,0.1,,,,CHF,2026-05-23,2025-07-01,"Basiszins 1. Jahr, Paket Classic/Comfort",
cler:sparkonto_exclusive:credit:y5_classic,cler:sparkonto_exclusive,cler,credit,0.125,,,,CHF,2026-05-23,2025-07-01,"Basiszins 5. Jahr, Paket Classic/Comfort",
cler:sparkonto_exclusive:credit:y10_classic,cler:sparkonto_exclusive,cler,credit,0.15,,,,CHF,2026-05-23,2025-07-01,"Basiszins 10. Jahr, Paket Classic/Comfort",
cler:sparkonto_exclusive:bonus,cler:sparkonto_exclusive,cler,bonus,0.6,,,,CHF,2026-05-23,2025-07-01,Neugeldbonus 0.600% (1. Jahr ab Kontoeroeffnung); Premium-Paket bietet 0.150-0.200% Basiszinsen,