Miscellaneous Experimental
Bank cost
What your bank charges you, read off the statement — cost per month, split into interest and fees.
| Port | Side | What it carries |
|---|---|---|
bank | In | A bank account, or several added together. |
cost | Out | Every cost line on the statement, as the statement's own records. |
interest | Out | The interest lines, paid and received. |
fees | Out | The fee lines — charges, commissions, guarantee fees. |
FX | Out | Both legs of each currency trade, with the bank's margin on them. Shown only when there are trades. |
What you choose
Nothing, to begin with. Connect an account and the card answers.
Then, what to look at. Every bar and every code on the card can be clicked, and the port beside that section then carries only what you picked — the same way the Category filter works. Nothing picked means everything.
What Fluidly decides
Which lines are the bank charging you. Banks mark every statement line with an international code (ISO 20022); six of them are costs:
| What the bank calls it | What it means to you |
|---|---|
| Charges | The periodic fee note — account keeping, payments, cards. The line to negotiate at renewal. |
| Card charges | Fees on individual card transactions: foreign use, cash, currency on the card. |
| Facility commission | Paid on a credit line for existing, drawn or not. |
| Guarantee commission | What the bank charges to stand behind you — rent guarantees, for instance. |
| Interest paid | Overdraft, drawn facility, a negative leg in a cash pool. Usually quarterly. |
| Interest received | The one income line, netted against interest paid. |
Everything else on the statement — payments, payroll, sweeps between your own accounts — is left out. Open the card with the pencil for the full list of codes and what each means.
What the card shows
- Cost per month — the headline, split into interest and fees.
- Interest — by period, and by the currency it was charged in.
- Fees — by code, so you see which kind of charge is growing.
- FX margin — when the accounts include both sides of a currency trade, the difference between what the bank took and what it gave, measured against the ECB rate of the day. No statement line says this; the pair of lines does. Add the accounts together first so both legs arrive.
If the statement carries no codes at all, the card says so rather than guessing.
Example
Bank Account (SEK) + Bank Account (EUR) → Add → FX Rates → Bank cost, with fees → Table: the whole relationship's cost per month in kronor, the currency margin included, and the fee lines to take to the renewal meeting.