greek-banking-integration

Parses bank statements from all major Greek banks (Alpha, NBG, Eurobank, Piraeus). File-based CSV/Excel import with transaction reconciliation.

# Greek Banking Integration

This skill provides comprehensive integration with the Greek banking system through practical file processing of bank statements, transaction data, and payment confirmations from all major Greek financial institutions.


## Setup

```bash
export OPENCLAW_DATA_DIR="/data"
which jq || sudo apt install jq
mkdir -p $OPENCLAW_DATA_DIR/banking/imports/{alpha,nbg,eurobank,piraeus}
```

No bank API credentials required. This skill parses bank statement files (CSV/Excel) that you export manually from your bank's web portal and place in the imports directory. Supported banks: Alpha Bank, National Bank of Greece, Eurobank, Piraeus Bank.


## Core Philosophy

- **Real Greek Bank Focus**: Built for actual Greek bank statement formats and business practices
- **File-Based Processing**: Process exported bank data files, not complex banking APIs
- **OpenClaw Native**: Designed specifically for OpenClaw's file processing strengths
- **Production Testing Ready**: Suitable for VM testing and real Greek company deployment
- **All Major Banks**: Alpha Bank, National Bank, Eurobank, Piraeus, and regional banks

## OpenClaw Commands

### Core Banking Operations
```bash
# Primary bank statement processing
openclaw banking import-statements --bank-type greek --auto-detect-format
openclaw banking process-batch --input-dir /data/banking/imports/ --reconcile-auto
openclaw banking categorize-transactions --greek-business-rules --vat-detection
openclaw banking export-reconciliation --format csv --greek-chart-accounts

# Individual bank processing (canonical import paths)
openclaw banking process-alpha --statements-dir /data/banking/imports/alpha/
openclaw banking process-nbg --statements-dir /data/banking/imports/nbg/
openclaw banking process-eurobank --statements-dir /data/banking/imports/eurobank/
openclaw banking process-piraeus --statements-dir /data/banking/imports/piraeus/

# Transaction analysis and reconciliation
openclaw banking match-invoices --outstanding-receivables --confidence-threshold 0.9
openclaw banking detect-duplicates --cross-account --mark-suspicious
openclaw banking categorize-expenses --greek-expense-categories --vat-rates
openclaw banking generate-reconciliation --period monthly --include-variance-analysis
```

### Payment Processing & Tracking
```bash
# Payment confirmation processing
openclaw banking track-payments --pending-invoices --match-references
openclaw banking confirm-receipts --client-payments --auto-update-accounting
openclaw banking process-sepa --incoming-payments --outgoing-transfers

# Cash flow and analysis
openclaw banking cashflow-analysis --period quarterly --predict-trends
openclaw banking currency-conversion --foreign-transactions --ecb-rates
openclaw banking fee-analysis --bank-charges --optimization-suggestions
```

### Integration & Export Commands
```bash
# Integration with accounting systems
openclaw banking export --format csv --client EL123456789 --period 2026-02
openclaw banking export --target quickbooks --client EL123456789 --greek-locale  # Optional: QuickBooks-compatible format
openclaw banking export --format json --client EL123456789 --period 2026-02
openclaw banking export --target xero --client EL123456789 --greek-vat-codes    # Optional: Xero-compatible format
openclaw banking reconciliation-report --client EL123456789 --period 2026-02

# Integration with other OpenClaw skills
openclaw banking integrate-compliance --vat-calculations --deadline-tracking
openclaw banking sync-individual-taxes --personal-account-data --expense-tracking
openclaw banking coordinate-meta --enable-orchestration --business-commands
```

## Greek Bank Support Architecture

### Major Greek Banks Integration
```yaml
Supported_Greek_Banks:
  alpha_bank:
    bank_code: "014"
    iban_prefix: "GR01"
    statement_formats: ["PDF", "Excel", "CSV", "MT940"]
    online_banking: "Alpha Web Banking"
    business_banking: "Alpha Business Banking"
    common_export_formats:
      - excel: "Alpha_Statement_YYYYMMDD.xlsx"
      - csv: "account_movements_YYYYMMDD.csv"
      - pdf: "Monthly_Statement_YYYYMM.pdf"
    
  national_bank:
    bank_code: "011"
    iban_prefix: "GR07"
    statement_formats: ["PDF", "Excel", "CSV", "QIF"]
    online_banking: "NBG i-bank"
    business_banking: "NBG Business i-bank"
    common_export_formats:
      - excel: "NBG_Transactions_YYYYMMDD.xls"
      - csv: "account_statement_YYYYMM.csv"
      - pdf: "NBG_Statement_YYYYMM.pdf"
    
  eurobank:
    bank_code: "026"
    iban_prefix: "GR02"
    statement_formats: ["PDF", "Excel", "CSV", "OFX"]
    online_banking: "Eurobank e-banking"  
    business_banking: "Eurobank Business e-banking"
    common_export_formats:
      - excel: "Eurobank_Statement_YYYYMMDD.xlsx"
      - csv: "movements_YYYYMMDD.csv"
      - pdf: "Account_Statement_YYYYMM.pdf"
      
  piraeus_bank:
    bank_code: "017"
    iban_prefix: "GR58"
    statement_formats: ["PDF", "Excel", "CSV", "MT942"]
    online_banking: "Piraeus winbank"
    business_banking: "Piraeus winbank Business"
    common_export_formats:
      - excel: "Piraeus_Movements_YYYYMMDD.xlsx"
      - csv: "account_history_YYYYMM.csv"
      - pdf: "Piraeus_Statement_YYYYMM.pdf"

  attica_bank:
    bank_code: "025"
    iban_prefix: "GR16"
    statement_formats: ["PDF", "Excel", "CSV"]
    focus: "Regional Greek bank"
    
  cretan_bank:
    bank_code: "045"
    iban_prefix: "GR62"
    statement_formats: ["PDF", "CSV"]
    focus: "Crete regional banking"
```

### Greek Bank Statement Formats
```yaml
Statement_Format_Recognition:
  alpha_bank_excel:
    headers_greek: ["Ημερομηνία", "Περιγραπ ή", "Ποσς", "Υπςλοιπο"]
    headers_english: ["Date", "Description", "Amount", "Balance"]
    date_format: "dd/MM/yyyy"
    amount_format: "1.234,56"
    encoding: "Windows-1253, UTF-8"
    
  nbg_csv:
    headers: ["ΗΜΕΡθΜΗΝΙΑ", "ΑΙΤΙθ΀ºθΓΙΑ", "ΧΡΕΩΣΗ", "ΠΙΣΤΩΣΗ", "ΥΠθ΀ºθΙΠθ"]
    separator: ";"
    decimal_separator: ","
    date_format: "dd/MM/yyyy"
    
  eurobank_excel:
    headers: ["Ημ/νία", "Ρπ°δ.Συναλλαγήπš", "Περιγραπ ή", "Ποσς", "Υπςλοιπο"]
    currency_column: "Νςμισμα"
    reference_column: "Αρ.Παρασπžαπžικού"
    
  piraeus_csv:
    headers: ["Ημερομηνία Συναλλαγήπš", "Περιγραπ ή", "Ποσς", "Υπςλοιπο Μεπžά"]
    special_fields: ["Ρπ°δικςπš Συναλλαγήπš", "Αρ. Αναπ οράπš"]
```

## OpenClaw File Processing Architecture

### File System Organization for Greek Banks
```yaml
Banking_File_Structure:
  bank_imports:
    - /data/banking/imports/alpha/          # Alpha Bank statement imports
    - /data/banking/imports/nbg/            # National Bank imports  
    - /data/banking/imports/eurobank/       # Eurobank imports
    - /data/banking/imports/piraeus/        # Piraeus Bank imports
    - /data/banking/imports/other/          # Other Greek banks
    
  processing_workspace:
    - /data/banking/processing/raw/         # Imported files before processing
    - /data/banking/processing/validated/   # Format validation completed
    - /data/banking/processing/categorized/ # Transaction categorization done
    - /data/banking/processing/reconciled/  # Reconciliation completed
    
  output_delivery:
    - /data/banking/reconciliation/         # Bank reconciliation reports
    - /data/exports/accounting-software/    # Ready for accounting software export
    - /data/reports/client/                 # Client-facing bank summaries
```

### Bank Statement Processing Pipeline
```yaml
Processing_Workflow:
  step_1_import:
    command: "openclaw banking import-batch --scan-all-banks --auto-detect"
    input: "/data/banking/imports/{bank_name}/"
    output: "/data/banking/processing/raw/"
    functions: ["File format detection", "Bank identification", "Data validation"]
    
  step_2_validate:
    command: "openclaw banking validate-format --greek-standards --fix-encoding"
    input: "/data/banking/processing/raw/"
    output: "/data/banking/processing/validated/"
    functions: ["Greek character encoding fix", "Date format standardizati