| name | bank-statements |
| description | This skill should be used when creating a bank statement (виписка) for a specific account and period — a formal document listing all transactions with opening and closing balances. Use this skill whenever the user asks for a statement, виписка, account extract, or needs a formal record of transactions for a specific account, even if they just say "зроби виписку" or "I need a statement for my account". |
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
-
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.
-
Determine the period — parse date range from user input. Default to current month if not specified.
-
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.
-
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
- 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
| Need | Skill |
|---|
| Bank API details, pagination, rate limits | bank-api-integration |
| Export statement to CSV/PDF | report-export |
| Multi-bank merged view | bank-transactions |
| Multi-bank analytics | bank-reports |
