Bank Transactions

Bank Transactions (Broadcast)

Fetch and display transaction history from ALL connected banks as a single merged chronological list.

Why merge transactions across banks

People pay for things from different accounts — groceries from Monobank, rent from PrivatBank, subscriptions from either. A chronological view across all banks gives the complete picture of their financial activity without manual aggregation.

Workflow

1. Parse the date range — if the user says "last month" or "за березень", convert to concrete dates. Default to the last 30 days if no range specified.

2. Discover transaction tools — search for tools with keywords: statement, transaction, extract, виписка across all connected MCP servers.

3. Fetch from ALL banks in parallel — call each bank's transaction/statement endpoint with the date range. Be aware of format differences:

   • Monobank: from/to as Unix timestamps (seconds), max 31 days per request, rate limit 1 req/60s per account
   • PrivatBank: startDate/endDate as DD-MM-YYYY, cursor-based pagination via followId

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

4. Handle pagination — some banks limit results per request. Follow pagination cursors until all transactions for the period are fetched.

5. Handle rate limits — Monobank allows 1 statement request per 60 seconds per account. For 90-day ranges, split into 3 × 31-day chunks with 60s delays between requests. Inform the user this will take a moment.

6. Normalize amounts — Monobank returns kopiykas (÷100), PrivatBank returns decimal strings. Normalize to UAH decimal before merging.

7. Merge and sort — combine all transactions into one list, sort by date descending (newest first). Include the bank name as a column so the user knows which account each transaction came from.

8. Display as table:

Транзакції (01.03.2026 – 23.03.2026):

| Дата       | Банк       | Опис              | Категорія    | Сума        |
|------------|------------|-------------------|-------------|-------------|
| 23.03.2026 | Monobank   | Сільпо            | Продукти    | -₴345,67    |
| 22.03.2026 | PrivatBank | Bolt              | Транспорт   | -₴89,00     |
| 22.03.2026 | Monobank   | Зарплата          | Дохід       | +₴25 000,00 |
| 21.03.2026 | PrivatBank | Rozetka           | Покупки     | -₴1 299,00  |

Знайдено: 47 транзакцій | Monobank: 28 | PrivatBank: 19
⚠ PrivatBank: отримано тільки 19 з можливих (ліміт API)

9. Auto-categorize — use the transaction-categorization skill to assign categories based on MCC codes and merchant patterns. This enriches the raw transaction data with spending categories.

10. Emit events — emit transaction_added events for new transactions. See the broadcast-pattern skill.

Filtering

After fetching, support filtering by:

• Category — "покажи тільки продукти"
• Bank — "тільки Monobank" (filter the merged list, don't skip fetching)
• Amount — "більше 1000 грн"
• Search — "знайди Rozetka"

Fetch from ALL banks first, then filter locally — this is consistent with the BROADCAST pattern.

Related skills