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_zak:credit,cler:sparkonto_zak,cler,credit,0.2,,,,CHF,2026-07-14,2026-07-14,Zak-Brand (Cler's digital-first sub-brand). 4x hoeher als Standard-Sparkonto.,