id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
owkb:geschenk_sparkonto:credit:t1,owkb:geschenk_sparkonto,owkb,credit,0.25,,20000.0,,CHF,2026-08-02,2026-07-01,"bis CHF 20000. Weitere Stufen: bis 100k 0.050%, ab 100k 0.025%.",