Banking

Returns a JSON object with transactions (list), count, and last_synced timestamp. Each transaction has: booking_date, amount (negative = money out, positive = money in), currency, counterparty_name, counterparty_iban, remittance_info, status.

Displaying results: When the channel advertises A2UI components (see the "A2UI Components" section in your system prompt), prefer to render structured transaction data using marcel(action="render", component="transaction_list", props={...}) instead of summarizing in plain text. The Mini App will show a proper table with date, description, amount, and running balance. Example:

marcel(action="render", component="transaction_list", props={
  "transactions": [
    {"date": "2026-04-11", "description": "Colruyt", "amount": -42.18, "balance": 1854.22},
    {"date": "2026-04-10", "description": "Salary", "amount": 2500.00, "balance": 1896.40}
  ],
  "currency": "EUR"
})

For balance snapshots, use component="balance_card". Fall back to plain text only for narrative answers ("you spent €X on groceries this month") or when the channel lacks rich UI.

Tips for answering user questions:

• "How much did I spend on groceries?" — search for known grocery stores (Colruyt, Delhaize, Albert Heijn, Lidl, Aldi, Carrefour) with negative amounts
• "What was my income this year?" — filter for positive amounts with date_from at start of year
• "Show me transactions over 100 euro" — use min_amount or max_amount (remember: spending is negative, so "spent over 100 euro" means max_amount="-100")
• For monthly summaries, set date_from to first of month and date_to to last of month
• You may need multiple calls with different search terms to fully answer a question

banking.balance

Get the current account balance from the local cache. Returns balances from all linked banks.

integration(id="banking.balance")

Returns balance entries with amount, currency, balance_type, and last_synced timestamp.

banking.accounts

List linked bank accounts across all banks.

integration(id="banking.accounts")

Returns account details from all EnableBanking sessions. Each account includes a bank field indicating which bank it belongs to.

banking.status

Check if bank links are active and healthy.

integration(id="banking.status")

Returns link status for each linked bank, including account count, validity period, and any consent expiry warnings.

banking.sync

Trigger an immediate sync of transactions and balances from all linked banks. Only use this if the user explicitly asks for fresh data.

integration(id="banking.sync")

Returns a summary with counts of synced transactions per bank and any warnings.

banking.setup

Start a bank link flow (first-time setup or consent renewal). Returns an authentication URL the user must open. Defaults to KBC if no bank is specified.

integration(id="banking.setup")
integration(id="banking.setup", params={"bank": "ING"})
integration(id="banking.setup", params={"bank": "KBC", "country": "BE"})

After the user authenticates, they will be redirected to a URL containing a code parameter. Use banking.complete_setup to finish linking.

banking.complete_setup

Complete the bank link after the user has authenticated. Extract the code parameter from the redirect URL.

integration(id="banking.complete_setup", params={"code": "the-authorization-code"})
integration(id="banking.complete_setup", params={"code": "the-authorization-code", "bank": "ING"})

Notes

• Transactions are cached locally in SQLite and synced every 8 hours to stay within PSD2 rate limits.
• Bank links (consent) expire after ~90 days. Marcel monitors this and warns the user proactively.
• All amounts are in EUR. Negative = money out (spending), positive = money in (income).