feat: профили импорта CSV для Т-Банка, monobank и ПриватБанка, версия 1.1.8

DOCS.md

@@ -368,6 +368,16 @@ Used by the CSV import wizard, but callable directly for any bulk load (e.g. syn
 export tool). All rows are validated **before** any is inserted — one bad row fails the whole
 request with no partial import.
 
+The wizard itself (`/transactions/import`) is bank-agnostic: it auto-detects delimiter and
+encoding and lets you map columns by hand. On top of that it ships **bank profiles** that pre-fill
+the mapping and formats when the header row matches a known export (or when you pick the bank
+explicitly): **T-Bank** (semicolon CSV, `Сумма платежа`, rows with `Статус ≠ OK` skipped),
+**monobank** (Ukrainian-language CSV, `Сума в валюті картки (…)`) and **PrivatBank**
+(`Сума в валюті картки`, `Опис операції`). Profiles live in `frontend/src/lib/bankPresets.ts` —
+adding a bank is one declarative entry (header matchers, date/amount format, optional row filter).
+Banks that only export PDF/XLSX (Sber, Kaspi, Halyk, maib…) are imported via a third-party
+PDF→CSV converter and the manual mapping.
+
 ```json
 { "items": [ /* 1–5000 TransactionCreate objects */ ] }
 ```
@@ -768,7 +778,7 @@ Single row, created automatically on first run — there's nothing to create, on
   "risky_allocation_threshold_percent": 20,
   "idle_cash_threshold_amount": "1000.00",
   "idle_cash_threshold_days": 60,
-  "app_version": "1.1.7"
+  "app_version": "1.1.8"
 }
 ```
 

README.md

@@ -58,7 +58,7 @@ Aurum treats your financial life as a **system**, not a spreadsheet.
 ## 🧩 Core Features
 
 ### 💰 Cash Flow & Transactions
-Log income, expenses, and transfers across as many accounts as you want, organized into categories (with one level of subcategories) plus free-form tags, and searchable. One purchase spanning multiple subcategories of the same parent (a grocery receipt part "Sweets", part "Alcohol") can be recorded as a single split transaction instead of several — every report and chart still counts each share under its own category. Already have history elsewhere? Import a bank's CSV export in a guided 3-step wizard instead of typing every line by hand. A dedicated Cash Flow view charts income vs. expense month by month.
+Log income, expenses, and transfers across as many accounts as you want, organized into categories (with one level of subcategories) plus free-form tags, and searchable. One purchase spanning multiple subcategories of the same parent (a grocery receipt part "Sweets", part "Alcohol") can be recorded as a single split transaction instead of several — every report and chart still counts each share under its own category. Already have history elsewhere? Import a bank's CSV export in a guided 3-step wizard instead of typing every line by hand — with built-in profiles for T-Bank, monobank and PrivatBank exports (columns, date/amount formats and declined-payment rows handled automatically), and manual column mapping for everything else. A dedicated Cash Flow view charts income vs. expense month by month.
 
 ### 📈 Net Worth Engine
 A live net worth timeline (30 days to all-time) aggregating cash and every manually tracked asset — investments, crypto, real estate, vehicles, precious metals — into one number, with a full breakdown by asset class, by how each asset behaves (income / neutral / drain), and by risk level.

backend/app/core/config.py

@@ -8,7 +8,7 @@ from pydantic_settings import BaseSettings, SettingsConfigDict
 # it in Settings; it deliberately does NOT ride on the unauthenticated
 # /api/health), and embedded in exported backups so an old file can be told
 # apart from a current one.
-APP_VERSION = "1.1.7"
+APP_VERSION = "1.1.8"
 
 
 class Settings(BaseSettings):

frontend/package.json

@@ -1,7 +1,7 @@
 {
   "name": "aurum-frontend",
   "private": true,
-  "version": "1.1.7",
+  "version": "1.1.8",
   "type": "module",
   "scripts": {
     "dev": "vite",

frontend/src/lib/bankPresets.test.ts

@@ -0,0 +1,119 @@
+import { describe, expect, it } from "vitest";
+import { applyPresetMapping, detectPreset, findPreset, normalizeHeader, rowFilterRejection, type ImportMapping } from "@/lib/bankPresets";
+import { parseAmount, parseCsv, parseDateWithFormat } from "@/lib/csv";
+
+const EMPTY: ImportMapping = { date: "", amount: "", description: "", merchant: "", notes: "", category: "" };
+
+// Header rows as the banks actually emit them (see the per-preset comments in
+// lib/bankPresets.ts for where each export comes from).
+const TBANK_CSV = [
+  '"Дата операции";"Дата платежа";"Номер карты";"Статус";"Сумма операции";"Валюта операции";"Сумма платежа";"Валюта платежа";"Кэшбэк";"Категория";"MCC";"Описание";"Бонусы (включая кэшбэк)"',
+  '"24.10.2018 17:04:25";"24.10.2018";"*8305";"OK";"-882,04";"RUB";"-882,04";"RUB";"";"Переводы/иб";"";"Пополнение счета Тинькофф Брокер";"0,00"',
+  '"25.10.2018 09:12:00";"25.10.2018";"*8305";"FAILED";"-1500,00";"RUB";"-1500,00";"RUB";"";"Супермаркеты";"5411";"Пятёрочка";"0,00"',
+].join("\n");
+
+const MONOBANK_CSV = [
+  // Latin "i" in "Дата i час" is deliberate — that's what the real file has.
+  '"Дата i час операції","Деталі операції",MCC,"Сума в валюті картки (UAH)","Сума в валюті операції",Валюта,Курс,"Сума комісій (UAH)","Сума кешбеку (UAH)","Залишок після операції"',
+  '"01.03.2024 12:30:45","Сільпо",5411,-250.50,-250.50,UAH,—,—,2.50,10000.00',
+].join("\n");
+
+const PRIVAT_CSV = [
+  "Дата;Час;Категорія;Картка;Опис операції;Сума в валюті картки;Валюта картки;Сума в валюті транзакції;Валюта транзакції;Залишок на кінець періоду;Валюта залишку",
+  "05.02.2024;14:05;Продукти;5168****1234;АТБ;-320,00;UAH;-320,00;UAH;1500,00;UAH",
+].join("\n");
+
+describe("normalizeHeader", () => {
+  it("folds case, whitespace, BOM and the Latin i", () => {
+    expect(normalizeHeader("  Дата  i   час ")).toBe("дата і час");
+  });
+});
+
+describe("detectPreset", () => {
+  it("recognises T-Bank, monobank and PrivatBank header rows", () => {
+    expect(detectPreset(parseCsv(TBANK_CSV)[0])?.id).toBe("tbank");
+    expect(detectPreset(parseCsv(MONOBANK_CSV)[0])?.id).toBe("monobank");
+    expect(detectPreset(parseCsv(PRIVAT_CSV)[0])?.id).toBe("privatbank");
+  });
+
+  it("returns null for a generic export", () => {
+    expect(detectPreset(["Date", "Amount", "Description"])).toBeNull();
+  });
+});
+
+describe("applyPresetMapping", () => {
+  it("maps T-Bank onto the card-currency amount and keeps the category", () => {
+    const headers = parseCsv(TBANK_CSV)[0];
+    const mapping = applyPresetMapping(findPreset("tbank")!, headers, EMPTY);
+    expect(mapping).toMatchObject({ date: "Дата операции", amount: "Сумма платежа", description: "Описание", category: "Категория" });
+  });
+
+  it("matches monobank's currency-suffixed amount header by prefix", () => {
+    const headers = parseCsv(MONOBANK_CSV)[0];
+    const mapping = applyPresetMapping(findPreset("monobank")!, headers, EMPTY);
+    expect(mapping.amount).toBe("Сума в валюті картки (UAH)");
+    expect(mapping.date).toBe("Дата i час операції");
+  });
+
+  it("leaves fields the preset doesn't cover on the fallback", () => {
+    const headers = parseCsv(PRIVAT_CSV)[0];
+    const mapping = applyPresetMapping(findPreset("privatbank")!, headers, { ...EMPTY, notes: "Картка" });
+    expect(mapping.notes).toBe("Картка");
+    expect(mapping.category).toBe("Категорія");
+  });
+});
+
+describe("rowFilterRejection", () => {
+  it("drops T-Bank rows whose status is not OK and reports the status", () => {
+    const [headers, ok, failed] = parseCsv(TBANK_CSV);
+    const preset = findPreset("tbank")!;
+    expect(rowFilterRejection(preset, headers, ok)).toBeNull();
+    expect(rowFilterRejection(preset, headers, failed)).toBe("FAILED");
+  });
+
+  it("keeps everything when the preset has no filter or the column is absent", () => {
+    const [headers, row] = parseCsv(MONOBANK_CSV);
+    expect(rowFilterRejection(findPreset("monobank")!, headers, row)).toBeNull();
+    expect(rowFilterRejection(findPreset("tbank")!, ["Дата"], ["01.01.2024"])).toBeNull();
+    expect(rowFilterRejection(null, headers, row)).toBeNull();
+  });
+});
+
+describe("preset formats against real sample rows", () => {
+  it("parses T-Bank's timestamped date and comma-decimal amount", () => {
+    const [, row] = parseCsv(TBANK_CSV);
+    const preset = findPreset("tbank")!;
+    expect(parseDateWithFormat(row[0], preset.dateFormat)).toBe("2018-10-24");
+    expect(parseAmount(row[6], preset.amountFormat)).toBe(-882.04);
+  });
+
+  it("parses monobank's timestamped date and dot-decimal amount", () => {
+    const [, row] = parseCsv(MONOBANK_CSV);
+    const preset = findPreset("monobank")!;
+    expect(parseDateWithFormat(row[0], preset.dateFormat)).toBe("2024-03-01");
+    expect(parseAmount(row[3], preset.amountFormat)).toBe(-250.5);
+    // monobank writes empty cells as an em dash — must not parse as 0.
+    expect(parseAmount(row[6], preset.amountFormat)).toBeNull();
+  });
+
+  it("parses PrivatBank's plain date and comma amount", () => {
+    const [, row] = parseCsv(PRIVAT_CSV);
+    const preset = findPreset("privatbank")!;
+    expect(parseDateWithFormat(row[0], preset.dateFormat)).toBe("2024-02-05");
+    expect(parseAmount(row[5], preset.amountFormat)).toBe(-320);
+  });
+});
+
+describe("parseDateWithFormat with a time suffix", () => {
+  it("accepts an optional trailing time in every format", () => {
+    expect(parseDateWithFormat("2024-01-05T09:30", "YYYY-MM-DD")).toBe("2024-01-05");
+    expect(parseDateWithFormat("05/01/2024 09:30:15", "DD/MM/YYYY")).toBe("2024-01-05");
+    expect(parseDateWithFormat("01/05/2024 9:30", "MM/DD/YYYY")).toBe("2024-01-05");
+    expect(parseDateWithFormat("05-01-2024 09:30", "DD-MM-YYYY")).toBe("2024-01-05");
+  });
+
+  it("still rejects trailing garbage that isn't a time", () => {
+    expect(parseDateWithFormat("05.01.2024 abc", "DD.MM.YYYY")).toBeNull();
+    expect(parseDateWithFormat("05.01.2024 09", "DD.MM.YYYY")).toBeNull();
+  });
+});

frontend/src/lib/bankPresets.ts

@@ -0,0 +1,152 @@
+// Bank-specific import presets for the CSV wizard (pages/CsvImportPage.tsx).
+//
+// A preset is nothing more than a pre-filled answer to the wizard's "map"
+// step: which column is the date, which is the amount, what the date/amount
+// formats are, and — the one thing the generic mapping can't express — which
+// rows to drop (a declined card payment still shows up in the export). The
+// wizard itself stays bank-agnostic: presets only feed it defaults, and the
+// user can still override any of them on the map screen.
+//
+// Only banks whose personal-account CSV export has a known, stable header
+// layout are listed. Banks that export PDF/XLSX only (Sber, Kaspi, Halyk,
+// maib…) go through the generic mapping via a third-party converter instead.
+import type { AmountFormat, DateFormat } from "@/lib/csv";
+
+/** Column mapping as the wizard understands it — header *names*, not
+ * indexes, so re-decoding the file under another encoding can re-resolve
+ * them. Empty string = not mapped. */
+export interface ImportMapping {
+  date: string;
+  amount: string;
+  description: string;
+  merchant: string;
+  notes: string;
+  category: string;
+}
+
+/** Matches a header cell by normalised prefix — see normalizeHeader(). A
+ * prefix, not equality, because some banks put the account currency in the
+ * header itself ("Сума в валюті картки (UAH)") and it changes per card. */
+export type HeaderMatcher = string[];
+
+export interface BankPreset {
+  id: string;
+  /** Proper name, shown as-is — bank names aren't translated. */
+  label: string;
+  /** Every one of these must be present for detectPreset() to pick this
+   * preset. Keep it to the columns the mapping actually needs, so a bank
+   * adding a trailing column doesn't break detection. */
+  detect: HeaderMatcher[];
+  mapping: Partial<Record<keyof ImportMapping, HeaderMatcher>>;
+  dateFormat: DateFormat;
+  amountFormat: AmountFormat;
+  /** Rows whose `column` value fails `accept` are skipped before parsing —
+   * e.g. a "Статус" column that reads FAILED for a declined payment. */
+  rowFilter?: { column: HeaderMatcher; accept: (value: string) => boolean };
+}
+
+/** Lower-cased, trimmed, BOM-stripped, whitespace-collapsed header text.
+ * Also folds the Latin "i" into the Cyrillic "і": monobank's Ukrainian header
+ * literally reads "Дата i час операції" with a Latin i in the middle, and
+ * nobody typing a matcher by hand would guess that. */
+export function normalizeHeader(header: string): string {
+  return header
+    .replace(/^\uFEFF/, "")
+    .trim()
+    .toLowerCase()
+    .replace(/\s+/g, " ")
+    .replace(/i/g, "і");
+}
+
+function findHeader(headers: string[], matcher: HeaderMatcher): string {
+  const candidates = matcher.map(normalizeHeader);
+  return headers.find((header) => candidates.some((candidate) => normalizeHeader(header).startsWith(candidate))) ?? "";
+}
+
+export const BANK_PRESETS: readonly BankPreset[] = [
+  {
+    // Web version → Операции → «Выгрузка операций» → CSV. Semicolon-separated,
+    // every field quoted, comma decimal mark, dates carry a time of day.
+    // "Сумма платежа" is the amount in the card's own currency (a foreign
+    // purchase shows the original amount in "Сумма операции"), which is what
+    // the account balance actually moved by.
+    id: "tbank",
+    label: "Т-Банк",
+    detect: [["дата операции"], ["сумма платежа"], ["описание"], ["статус"]],
+    mapping: {
+      date: ["дата операции"],
+      amount: ["сумма платежа"],
+      description: ["описание"],
+      category: ["категория"],
+    },
+    dateFormat: "DD.MM.YYYY",
+    amountFormat: "comma-decimal",
+    rowFilter: { column: ["статус"], accept: (value) => value.trim().toUpperCase() === "OK" },
+  },
+  {
+    // App → card → Виписка → CSV, Ukrainian UI language. Comma-separated,
+    // UTF-8, dot decimal mark, empty cells written as an em dash ("—").
+    // The amount header embeds the card currency, hence the prefix match.
+    id: "monobank",
+    label: "monobank",
+    detect: [["дата і час операції"], ["деталі операції"], ["сума в валюті картки"]],
+    mapping: {
+      date: ["дата і час операції"],
+      amount: ["сума в валюті картки"],
+      description: ["деталі операції"],
+    },
+    dateFormat: "DD.MM.YYYY",
+    amountFormat: "dot-decimal",
+  },
+  {
+    // next.privat24.ua → card → Виписки → CSV. Date and time come in
+    // separate columns, so the plain date parses as-is; the amount in the
+    // card's currency is what the balance moved by.
+    id: "privatbank",
+    label: "ПриватБанк",
+    detect: [["дата"], ["опис операції"], ["сума в валюті картки"]],
+    mapping: {
+      date: ["дата"],
+      amount: ["сума в валюті картки"],
+      description: ["опис операції"],
+      category: ["категорія"],
+    },
+    dateFormat: "DD.MM.YYYY",
+    amountFormat: "auto",
+  },
+];
+
+export function findPreset(id: string): BankPreset | null {
+  return BANK_PRESETS.find((preset) => preset.id === id) ?? null;
+}
+
+/** The first preset whose every `detect` matcher finds a header. Order in
+ * BANK_PRESETS matters only if two banks ever share a header set. */
+export function detectPreset(headers: string[]): BankPreset | null {
+  return BANK_PRESETS.find((preset) => preset.detect.every((matcher) => findHeader(headers, matcher) !== "")) ?? null;
+}
+
+/** Resolves a preset's matchers against the actual header row. Fields the
+ * preset doesn't cover fall back to `fallback` (the wizard's generic
+ * header guesses), so a preset only has to describe what it knows. */
+export function applyPresetMapping(preset: BankPreset, headers: string[], fallback: ImportMapping): ImportMapping {
+  const resolved = { ...fallback };
+  (Object.keys(preset.mapping) as (keyof ImportMapping)[]).forEach((field) => {
+    const matcher = preset.mapping[field];
+    if (matcher) resolved[field] = findHeader(headers, matcher);
+  });
+  return resolved;
+}
+
+/** When `preset.rowFilter` says this row is not a real transaction, returns
+ * the offending cell value (for the "skipped because…" message); null means
+ * keep the row. Also null when the preset has no filter or its column is
+ * missing from the header row — an absent status column is not a reason
+ * to drop data. */
+export function rowFilterRejection(preset: BankPreset | null, headers: string[], cells: string[]): string | null {
+  if (!preset?.rowFilter) return null;
+  const idx = headers.indexOf(findHeader(headers, preset.rowFilter.column));
+  if (idx < 0) return null;
+  const value = cells[idx] ?? "";
+  return preset.rowFilter.accept(value) ? null : value.trim();
+}

frontend/src/lib/csv.ts

@@ -57,12 +57,17 @@ export function parseCsv(text: string): string[][] {
 export const DATE_FORMATS = ["YYYY-MM-DD", "DD.MM.YYYY", "DD/MM/YYYY", "MM/DD/YYYY", "DD-MM-YYYY"] as const;
 export type DateFormat = (typeof DATE_FORMATS)[number];
 
+// Every pattern tolerates an optional trailing time of day ("24.10.2018
+// 17:04:25", "2024-01-05T09:30") — bank exports routinely timestamp each
+// operation (T-Bank, monobank), and the wizard only stores the calendar
+// date anyway.
+const TIME_SUFFIX = /(?:[ T]\d{1,2}:\d{2}(?::\d{2})?)?$/.source;
 const DATE_PATTERNS: Record<DateFormat, { regex: RegExp; order: ["y" | "m" | "d", "y" | "m" | "d", "y" | "m" | "d"] }> = {
-  "YYYY-MM-DD": { regex: /^(\d{4})-(\d{1,2})-(\d{1,2})$/, order: ["y", "m", "d"] },
-  "DD.MM.YYYY": { regex: /^(\d{1,2})\.(\d{1,2})\.(\d{4})$/, order: ["d", "m", "y"] },
-  "DD/MM/YYYY": { regex: /^(\d{1,2})\/(\d{1,2})\/(\d{4})$/, order: ["d", "m", "y"] },
-  "MM/DD/YYYY": { regex: /^(\d{1,2})\/(\d{1,2})\/(\d{4})$/, order: ["m", "d", "y"] },
-  "DD-MM-YYYY": { regex: /^(\d{1,2})-(\d{1,2})-(\d{4})$/, order: ["d", "m", "y"] },
+  "YYYY-MM-DD": { regex: new RegExp(/^(\d{4})-(\d{1,2})-(\d{1,2})/.source + TIME_SUFFIX), order: ["y", "m", "d"] },
+  "DD.MM.YYYY": { regex: new RegExp(/^(\d{1,2})\.(\d{1,2})\.(\d{4})/.source + TIME_SUFFIX), order: ["d", "m", "y"] },
+  "DD/MM/YYYY": { regex: new RegExp(/^(\d{1,2})\/(\d{1,2})\/(\d{4})/.source + TIME_SUFFIX), order: ["d", "m", "y"] },
+  "MM/DD/YYYY": { regex: new RegExp(/^(\d{1,2})\/(\d{1,2})\/(\d{4})/.source + TIME_SUFFIX), order: ["m", "d", "y"] },
+  "DD-MM-YYYY": { regex: new RegExp(/^(\d{1,2})-(\d{1,2})-(\d{4})/.source + TIME_SUFFIX), order: ["d", "m", "y"] },
 };
 
 /** Parses `raw` per `format`, returning an ISO "YYYY-MM-DD" string, or null

frontend/src/lib/i18n.ts

@@ -264,6 +264,12 @@ const ru = {
   "transactions.import.duplicateCheckFailed": "Не удалось проверить, есть ли уже такие транзакции на счёте — при импорте возможны дубли.",
   "transactions.import.duplicatesFound": "Найдено похожих на уже существующие: {{count}}. По умолчанию они не импортируются.",
   "transactions.import.includeDuplicates": "Всё равно импортировать их",
+  "transactions.import.presetLabel": "Банк / формат файла",
+  "transactions.import.preset.auto": "Определить автоматически",
+  "transactions.import.presetHint": "Готовые профили: Т-Банк, monobank, ПриватБанк — колонки и форматы подставятся сами. Выгрузки других банков импортируются через ручное сопоставление колонок.",
+  "transactions.import.presetDetected": "Профиль банка: {{bank}}. Колонки и форматы подставлены автоматически — проверьте и при необходимости поправьте.",
+  "transactions.import.presetNotDetected": "Формат банка не распознан — сопоставьте колонки вручную или выберите банк из списка.",
+  "transactions.import.errorRowFiltered": "операция не проведена (статус «{{value}}»)",
   "transactions.allTypes": "Все типы",
   "transactions.expense": "Расходы",
   "transactions.income": "Доходы",
@@ -783,6 +789,12 @@ const en: Record<keyof typeof ru, string> = {
   "transactions.import.duplicateCheckFailed": "Couldn't check what's already on this account — importing may create duplicates.",
   "transactions.import.duplicatesFound": "Found {{count}} that look like duplicates of existing transactions. They're left out by default.",
   "transactions.import.includeDuplicates": "Import them anyway",
+  "transactions.import.presetLabel": "Bank / file format",
+  "transactions.import.preset.auto": "Detect automatically",
+  "transactions.import.presetHint": "Built-in profiles: T-Bank, monobank, PrivatBank — columns and formats are pre-filled. Exports from other banks go through manual column mapping.",
+  "transactions.import.presetDetected": "Bank profile: {{bank}}. Columns and formats were pre-filled — review and adjust if needed.",
+  "transactions.import.presetNotDetected": "Bank format not recognised — map the columns by hand or pick a bank from the list.",
+  "transactions.import.errorRowFiltered": "operation was not completed (status “{{value}}”)",
   "transactions.allTypes": "All types",
   "transactions.expense": "Expenses",
   "transactions.income": "Income",

frontend/src/pages/CsvImportPage.tsx

@@ -8,6 +8,15 @@ import { useAccounts } from "@/hooks/useAccounts";
 import { useCategories } from "@/hooks/useCategories";
 import { useBulkCreateTransactions, useTransactionsForDuplicateCheck } from "@/hooks/useTransactions";
 import { translateCategoryName } from "@/lib/categoryLabels";
+import {
+  BANK_PRESETS,
+  applyPresetMapping,
+  detectPreset,
+  findPreset,
+  rowFilterRejection,
+  type BankPreset,
+  type ImportMapping,
+} from "@/lib/bankPresets";
 import {
   AMOUNT_FORMATS,
   DATE_FORMATS,
@@ -35,14 +44,12 @@ const NONE = "";
 const ENCODINGS = ["utf-8", "windows-1251", "windows-1252", "koi8-r"] as const;
 type Encoding = (typeof ENCODINGS)[number];
 
-interface Mapping {
-  date: string;
-  amount: string;
-  description: string;
-  merchant: string;
-  notes: string;
-  category: string;
-}
+// Header names, not indexes — see lib/bankPresets.ts's ImportMapping.
+type Mapping = ImportMapping;
+
+// "auto" lets detectPreset() pick a bank profile from the header row; a
+// preset id pins one regardless of what the headers look like.
+const PRESET_AUTO = "auto";
 
 interface SkippedRow {
   row: number;
@@ -72,6 +79,26 @@ function guessMapping(headerRow: string[]): Mapping {
   };
 }
 
+/** The bank profile in force for a given header row: the pinned one when
+ * the user picked a bank, otherwise whatever the headers match (or null —
+ * plain generic mapping). Pure, so both the file handler and the
+ * header-change effect below resolve it the same way. */
+function resolvePreset(headers: string[], presetChoice: string): BankPreset | null {
+  return presetChoice === PRESET_AUTO ? detectPreset(headers) : findPreset(presetChoice);
+}
+
+/** Map-step defaults for a header row: the preset's answers where it has
+ * them, the generic header guesses everywhere else. */
+function resolveDefaults(headers: string[], preset: BankPreset | null): { mapping: Mapping; dateFormat: DateFormat; amountFormat: AmountFormat } {
+  const guessed = guessMapping(headers);
+  if (!preset) return { mapping: guessed, dateFormat: "YYYY-MM-DD", amountFormat: "auto" };
+  return {
+    mapping: applyPresetMapping(preset, headers, guessed),
+    dateFormat: preset.dateFormat,
+    amountFormat: preset.amountFormat,
+  };
+}
+
 export function CsvImportPage() {
   const { t } = useTranslation();
   const navigate = useNavigate();
@@ -85,6 +112,7 @@ export function CsvImportPage() {
   const [fileName, setFileName] = useState("");
   const [fileBuffer, setFileBuffer] = useState<ArrayBuffer | null>(null);
   const [encoding, setEncoding] = useState<Encoding>("utf-8");
+  const [presetChoice, setPresetChoice] = useState<string>(PRESET_AUTO);
   const [mapping, setMapping] = useState<Mapping>({ date: "", amount: "", description: "", merchant: "", notes: "", category: "" });
   const [dateFormat, setDateFormat] = useState<DateFormat>("YYYY-MM-DD");
   const [amountFormat, setAmountFormat] = useState<AmountFormat>("auto");
@@ -105,7 +133,10 @@ export function CsvImportPage() {
     return { headers: headerRow, dataRows: rest };
   }, [fileBuffer, encoding]);
 
-  // Owns mapping initialisation, keyed on the header row's *contents*.
+  const activePreset = useMemo(() => resolvePreset(headers, presetChoice), [headers, presetChoice]);
+
+  // Owns mapping initialisation, keyed on the header row's *contents* and
+  // the chosen bank profile.
   // Changing the encoding re-decodes that row, and a column picked under the
   // previous encoding then names a header that no longer exists:
   // headers.indexOf() returns -1, the dropdown renders blank while
@@ -114,15 +145,25 @@ export function CsvImportPage() {
   // reading of a mapping whose columns are all gone. When the decoded
   // headers come out identical (an all-ASCII header row survives every
   // encoding here), the key doesn't change, this doesn't run, and manual
-  // column picks stay put.
+  // column picks stay put. Switching the bank profile re-runs it on
+  // purpose: the whole point of picking a bank is to replace the mapping.
   // JSON.stringify, not join(): joining on a separator would read
   // ["ab","c"] and ["a","bc"] as one and the same header row.
   const headersKey = JSON.stringify(headers);
   useEffect(() => {
     if (headers.length === 0) return;
-    setMapping(guessMapping(headers));
+    const preset = resolvePreset(headers, presetChoice);
+    const defaults = resolveDefaults(headers, preset);
+    setMapping(defaults.mapping);
+    // Formats are only overwritten when a bank profile dictates them; with
+    // no profile, a date format the user picked by hand survives an
+    // encoding switch (the fresh-file reset lives in handleFileSelected).
+    if (preset) {
+      setDateFormat(defaults.dateFormat);
+      setAmountFormat(defaults.amountFormat);
+    }
     // eslint-disable-next-line react-hooks/exhaustive-deps
-  }, [headersKey]);
+  }, [headersKey, presetChoice]);
 
   const categoryLookup = useMemo(() => {
     const map: Record<"income" | "expense", Map<string, number>> = { income: new Map(), expense: new Map() };
@@ -206,6 +247,15 @@ export function CsvImportPage() {
       const rawNotes = notesIdx >= 0 ? (cells[notesIdx] ?? "").trim() : "";
       const rawCategory = categoryIdx >= 0 ? (cells[categoryIdx] ?? "").trim() : "";
 
+      // Bank-profile row filter first (e.g. T-Bank's "Статус" = FAILED):
+      // a declined payment parses perfectly well as a date + amount, and
+      // nothing downstream could tell it apart from a real expense.
+      const rejectedStatus = rowFilterRejection(activePreset, headers, cells);
+      if (rejectedStatus !== null) {
+        skippedRows.push({ row: rowNumber, reason: t("transactions.import.errorRowFiltered", { value: rejectedStatus || "—" }) });
+        return;
+      }
+
       const isoDate = parseDateWithFormat(rawDate, dateFormat);
       if (!isoDate) {
         skippedRows.push({ row: rowNumber, reason: t("transactions.import.errorBadDate", { value: rawDate || "—" }) });
@@ -251,7 +301,7 @@ export function CsvImportPage() {
       duplicateCount: duplicateRows.length,
     };
     // eslint-disable-next-line react-hooks/exhaustive-deps
-  }, [step, headers, dataRows, mapping, dateFormat, amountFormat, categoryLookup, accountId, existingKeys, includeDuplicates, t]);
+  }, [step, headers, dataRows, mapping, dateFormat, amountFormat, categoryLookup, accountId, existingKeys, includeDuplicates, activePreset, t]);
 
   async function handleFileSelected(event: React.ChangeEvent<HTMLInputElement>) {
     const file = event.target.files?.[0];
@@ -277,11 +327,16 @@ export function CsvImportPage() {
       return;
     }
     const [headerRow] = rows;
+    // Full reset for a fresh file — the header-change effect above skips
+    // files whose header row is byte-identical to the previous one, so
+    // formats from the last import can't be left over here.
+    const defaults = resolveDefaults(headerRow, resolvePreset(headerRow, presetChoice));
     setFileName(file.name);
     setFileBuffer(buffer);
     setEncoding(detectedEncoding);
-    setMapping(guessMapping(headerRow));
-    setAmountFormat("auto");
+    setMapping(defaults.mapping);
+    setDateFormat(defaults.dateFormat);
+    setAmountFormat(defaults.amountFormat);
     setIncludeDuplicates(false);
     setStep("map");
   }
@@ -307,6 +362,23 @@ export function CsvImportPage() {
 
   const mappingComplete = Boolean(mapping.date && mapping.amount && mapping.description);
 
+  // Same control on the upload and map steps: picking the bank up front is
+  // the "I know what this file is" path, changing it on the map step is the
+  // "auto-detect guessed wrong" path.
+  const presetSelect = (id: string) => (
+    <div>
+      <Label htmlFor={id}>{t("transactions.import.presetLabel")}</Label>
+      <Select id={id} value={presetChoice} onChange={(event) => setPresetChoice(event.target.value)} className="sm:w-72">
+        <option value={PRESET_AUTO}>{t("transactions.import.preset.auto")}</option>
+        {BANK_PRESETS.map((preset) => (
+          <option key={preset.id} value={preset.id}>
+            {preset.label}
+          </option>
+        ))}
+      </Select>
+    </div>
+  );
+
   return (
     <div className="space-y-5">
       <div className="flex items-center gap-2">
@@ -346,6 +418,8 @@ export function CsvImportPage() {
           </CardHeader>
           <CardContent className="space-y-3">
             <p className="text-sm text-text-secondary">{t("transactions.import.uploadHint")}</p>
+            {presetSelect("upload-preset")}
+            <p className="text-xs text-text-muted">{t("transactions.import.presetHint")}</p>
             <Button onClick={() => fileInputRef.current?.click()} disabled={!accountId}>
               <Upload size={16} />
               {t("transactions.import.chooseFile")}
@@ -364,6 +438,13 @@ export function CsvImportPage() {
             <span className="text-xs text-text-muted">{fileName}</span>
           </CardHeader>
           <CardContent className="space-y-3">
+            {presetSelect("map-preset")}
+            <p className={`text-xs ${activePreset ? "text-success" : "text-text-muted"}`}>
+              {activePreset
+                ? t("transactions.import.presetDetected", { bank: activePreset.label })
+                : t("transactions.import.presetNotDetected")}
+            </p>
+
             <div>
               <Label htmlFor="map-encoding">{t("transactions.import.encodingLabel")}</Label>
               <Select id="map-encoding" value={encoding} onChange={(event) => setEncoding(event.target.value as Encoding)} className="sm:w-56">