Bank Statements

Bank Statements

Generate a bank statement (виписка) for a specific account over a specific period. Unlike bank-transactions (which merges all banks), a statement is account-specific and includes opening/closing balances.

When statements vs transactions

The difference matters because users mean different things:

• "Show my transactions" → merged chronological list from all banks → use bank-transactions
• "Make a statement for my Monobank account" → formal single-account document with balances → use this skill

A statement is a formal document. It has an opening balance, a list of operations, and a closing balance for one specific account.

Workflow

1. Identify the account — ask which account if the user hasn't specified. List available accounts from all connected banks and let them pick. Show masked numbers (****1234) with bank name.

2. Determine the period — parse date range from user input. Default to current month if not specified.

3. Fetch the data:

   • Opening balance — balance at the start of the period. Some APIs provide this directly; otherwise, fetch the balance for the day before the start date.
   • Transactions — all transactions for the account during the period.
   • Closing balance — balance at the end of the period (or current balance if the period extends to today).

   API differences:

   • Monobank: Unix timestamps, amounts in kopiykas, 31-day max per request
   • PrivatBank: DD-MM-YYYY dates, decimal amounts, cursor pagination via followId

   For full API details, read references in the bank-api-integration skill.

4. Format the statement:

ВИПИСКА ПО РАХУНКУ

Банк:       Monobank
Рахунок:    ****1234
Період:     01.03.2026 – 31.03.2026

Залишок на початок:  ₴12 500,00

| Дата       | Опис                | Дебет       | Кредит      | Залишок     |
|------------|---------------------|-------------|-------------|-------------|
| 01.03.2026 | Зарплата            |             | ₴25 000,00  | ₴37 500,00  |
| 03.03.2026 | Сільпо              | ₴345,67     |             | ₴37 154,33  |
| 05.03.2026 | Комуналка           | ₴3 200,00   |             | ₴33 954,33  |
| ...        |                     |             |             |             |

Залишок на кінець:   ₴28 432,10

Всього операцій: 47
Дебет (витрати):   ₴9 067,90
Кредит (надходження): ₴25 000,00

5. Offer export — suggest saving as CSV or PDF via the report-export skill. A PDF statement is particularly useful for formal purposes (tax, audit, etc.).

Statement vs combined report

This skill generates a statement for ONE account. If the user wants a combined multi-bank report, redirect to the bank-reports skill. If they want a raw transaction list from all banks, redirect to bank-transactions.

Debit/Credit formatting

In bank statements, the convention is:

• Debit = money leaving the account (expenses) — shown without sign
• Credit = money entering the account (income) — shown without sign
• Balance = running balance after each transaction

This is clearer than +/- signs for a formal statement document.

Related skills