id,product_id,bank_id,rate_type,rate,tier_floor,tier_ceiling,tenor_months,currency,snapshot_date,valid_from,note,source_document_id
vskb:compte_epargne_cadeau:credit:tier1,vskb:compte_epargne_cadeau,vskb,credit,0.4,0.0,20000.0,,CHF,2026-07-09,2026-04-01,Jusqu'a CHF 20000 ET age <=18 du beneficiaire.,
vskb:compte_epargne_cadeau:credit:tier2,vskb:compte_epargne_cadeau,vskb,credit,0.0,20000.0,,,CHF,2026-07-09,2026-04-01,Au-dela CHF 20000 ou apres 18 ans du beneficiaire,