israeli-bank-connector

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Israeli Bank Connector

以色列银行连接器

Instructions

操作说明

Step 1: Identify Connected Banks

步骤1：确认已连接的银行

Check which MCP server is available and what accounts are connected:

israeli-bank-mcp: Direct scraper integration
il-bank-mcp: Docker-based with persistent analysis
If no MCP: Guide user through CSV/Excel import from bank website

检查可用的MCP服务器及已连接的账户：

israeli-bank-mcp：直接集成数据抓取工具
il-bank-mcp：基于Docker，支持持久化分析
若无MCP服务器：指导用户从银行网站导入CSV/Excel文件

Step 2: Retrieve Transactions

步骤2：获取交易记录

Fetch transaction data for the requested period:

Default: Current month
Supported: Up to 12 months history (bank-dependent)
Include: Bank accounts AND credit card transactions

获取指定时间段的交易数据：

默认：当前月份
支持范围：最长12个月历史记录（取决于银行）
包含内容：银行账户及信用卡交易记录

Step 3: Categorize and Analyze

步骤3：分类与分析

Apply Israeli-specific categorization:

Category	Hebrew	Examples
Housing	דיור (diur)	Rent, arnona, vaad bayit
Groceries	מזון (mazon)	Shufersal, Rami Levy, Victory
Transportation	תחבורה (tahaburah)	Rav-Kav, fuel, Gett
Utilities	שירותים (shartuim)	Electric Company, Mekorot, Bezeq
Healthcare	בריאות (briut)	Kupat Cholim, pharmacy
Education	חינוך (chinuch)	Gan, school, courses
Entertainment	בילוי (bilui)	Restaurants, cinema, streaming
Insurance	ביטוח (bituach)	Health, car, home insurance
Savings	חיסכון (chisachon)	Pension, keren hishtalmut

应用以色列专属分类规则：

类别	希伯来语	示例
Housing	דיור (diur)	租金、arnona、vaad bayit
Groceries	מזון (mazon)	Shufersal、Rami Levy、Victory
Transportation	תחבורה (tahaburah)	Rav-Kav、燃油费、Gett
Utilities	שירותים (shartuim)	电力公司、Mekorot、Bezeq
Healthcare	בריאות (briut)	Kupat Cholim、药店
Education	חינוך (chinuch)	幼儿园、学校、课程
Entertainment	בילוי (bilui)	餐厅、电影院、流媒体服务
Insurance	ביטוח (bituach)	健康保险、车险、家庭保险
Savings	חיסכון (chisachon)	养老金、keren hishtalmut

Step 4: Present Insights

步骤4：呈现分析洞察

Provide:

Monthly spending summary by category
Top 10 merchants by spending
Month-over-month trends
Recurring charges identified
Unusual transactions flagged

提供以下内容：

按类别划分的月度支出汇总
支出Top 10商家
月度对比趋势
识别出的定期扣费项目
标记异常交易

Step 5: Export for Tax (if requested)

步骤5：税务导出（若有需求）

Format transactions for Israeli tax purposes:

Separate business vs personal expenses
Flag VAT-deductible purchases
Export in format compatible with Israeli accounting software

按照以色列税务要求格式化交易记录：

区分商务支出与个人支出
标记可抵扣VAT的采购项目
导出为兼容以色列会计软件的格式

Examples

示例

Example 1: Monthly Spending Summary

示例1：月度支出汇总

User says: "Show me my spending breakdown for January" Result: Categorized breakdown with NIS amounts per category, top merchants, and comparison to December.

用户提问：“展示我1月份的支出明细” 结果：按类别划分的支出明细（以新以色列谢克尔NIS为单位）、Top商家，以及与12月份的对比数据。

Example 2: Subscription Audit

示例2：订阅费用审核

User says: "What recurring payments am I making?" Result: List of detected recurring charges with amounts, frequency, and suggestion for potential savings.

用户提问：“我有哪些定期扣费项目？” 结果：列出检测到的定期扣费项目，包含金额、频率，并提供潜在节省建议。

Example 3: Tax Expense Export

示例3：税务支出导出

User says: "Export my business expenses for my accountant" Result: Filtered and categorized business transactions with VAT amounts, ready for import into accounting software.

用户提问：“导出我的商务支出给会计” 结果：筛选并分类后的商务交易记录，包含VAT金额，可直接导入会计软件。

Bundled Resources

捆绑资源

Scripts

脚本

```
scripts/categorize_transactions.py
```
— Categorizes Israeli bank transactions by spending category using Israeli-specific merchant pattern matching (Shufersal, Rami Levy, Rav-Kav, etc.). Accepts transaction JSON and outputs categorized spending summaries. Run:
```
python scripts/categorize_transactions.py --example
```
for a demo, or
```
python scripts/categorize_transactions.py --json transactions.json
```
for real data. Add
```
--output-json
```
for machine-readable output.

```
scripts/categorize_transactions.py
```
— 利用以色列专属商家模式匹配（如Shufersal、Rami Levy、Rav-Kav等）对以色列银行交易记录按支出类别进行分类。接受交易JSON数据，输出分类后的支出汇总。运行
```
python scripts/categorize_transactions.py --example
```
查看演示，或运行
```
python scripts/categorize_transactions.py --json transactions.json
```
处理真实数据。添加
```
--output-json
```
参数可获取机器可读格式的输出。

References

参考文档

```
references/spending-categories.md
```
— Israeli spending category definitions with Hebrew terms and common merchant examples for each category (housing/diur, groceries/mazon, transportation/tahaburah, utilities/shartuim, etc.). Consult when customizing categorization rules or explaining categories to users.
```
references/supported-banks.md
```
— Full list of 14 banks (Hapoalim, Leumi, Discount, Mercantile, Mizrahi-Tefahot, FIBI, Otsar HaHayal, Pagi, Union, Yahav, Massad, OneZero, Behatsdaa, Beyahad Bishvilha) and 4 credit card companies (Visa Cal, Max, Isracard, Amex) from the
```
israeli-bank-scrapers
```
```
CompanyTypes
```
enum, with BOI bank codes, library scraper IDs, and MCP server coverage notes. Consult when setting up bank connections or troubleshooting missing accounts.

```
references/spending-categories.md
```
— 以色列支出类别定义，包含希伯来语术语及每个类别下的常见商家示例（如住房/דיור、食品杂货/מזון、交通/תחבורה、公共服务/שירותים等）。自定义分类规则或向用户解释类别时可参考此文档。
```
references/supported-banks.md
```
— 来自
```
israeli-bank-scrapers
```
库
```
CompanyTypes
```
枚举的完整列表，包含14家银行（Hapoalim、Leumi、Discount、Mercantile、Mizrahi-Tefahot、FIBI、Otsar HaHayal、Pagi、Union、Yahav、Massad、OneZero、Behatsdaa、Beyahad Bishvilha）及4家信用卡公司（Visa Cal、Max、Isracard、Amex），同时包含以色列银行（BOI）的银行代码、库抓取工具ID及MCP服务器覆盖说明。设置银行连接或排查账户缺失问题时可参考此文档。

Reference Links

参考链接

Source	URL	What to Check
israeli-bank-scrapers (npm library)	https://github.com/eshaham/israeli-bank-scrapers	Authoritative list of supported banks, breaking changes, scraper limitations
israeli-bank-mcp (Motti Bechhofer)	https://github.com/mottibec/israeli-bank-mcp	Most comprehensive MCP wrapper; install/config and tool reference
il-bank-mcp (Gilad Lekner)	https://github.com/glekner/il-bank-mcp	Docker-based MCP with built-in spending analysis and SQLite storage
Bank of Israel: Consumer Enquiries	https://www.boi.org.il/en/information-and-service-to-the-public/consumer-enquiries-and-inspections/	Official BOI Public Inquiries Unit, banking customer service, complaint workflow
Bank of Israel: Bank identification codes	https://www.boi.org.il/en/economic-roles/supervision-and-regulation/payment-systems-oversight/access-to-payment-systems/identification-codes/	Canonical BOI bank identification-code list

来源	URL	查看内容
israeli-bank-scrapers（npm库）	https://github.com/eshaham/israeli-bank-scrapers	官方支持银行列表、重大变更、抓取工具限制
israeli-bank-mcp（Motti Bechhofer）	https://github.com/mottibec/israeli-bank-mcp	功能最全面的MCP封装；安装/配置及工具参考
il-bank-mcp（Gilad Lekner）	https://github.com/glekner/il-bank-mcp	基于Docker的MCP，内置支出分析及SQLite存储功能
以色列银行：消费者咨询	https://www.boi.org.il/en/information-and-service-to-the-public/consumer-enquiries-and-inspections/	以色列银行官方公众咨询部门、银行客户服务、投诉流程
以色列银行：银行识别码	https://www.boi.org.il/en/economic-roles/supervision-and-regulation/payment-systems-oversight/access-to-payment-systems/identification-codes/	以色列银行官方标准识别码列表

Gotchas

注意事项

Israel's Open Banking regulation is based on the Berlin Group NextGenPSD2 framework but adapted for Israel with its own timeline and implementation. Full rollout across all banks is still ongoing (as of 2026). Agents may reference UK Open Banking or generic PSD2 endpoints that do not exist in Israel. In practice, israeli-bank-scrapers uses headless browser scraping, not official Open Banking APIs.
Bank Leumi, Hapoalim, Discount, Mizrahi-Tefahot, and First International each have different API implementations. There is no single unified API across all Israeli banks.
Mercantile and Otsar HaHayal are SEPARATE scrapers in the upstream library even though they are subsidiaries of Discount and FIBI respectively. Treat them as their own connection (each has its own loginFields shape). Do not assume Discount credentials cover Mercantile or that FIBI credentials cover Otsar HaHayal.
Transaction history depth is bank-specific. Hapoalim and Leumi typically expose less than 12 months via scraping; FIBI-group banks (FIBI, Otsar HaHayal, Pagi) often expose 12+ months. Treat "up to 12 months" as a ceiling, not a promise.
Israeli bank account numbers include a branch number (snif) prefix. Agents may validate account numbers using international IBAN format, but Israeli domestic transfers use the local branch+account format.
Credit card statements in Israel are issued by separate companies (Isracard, Max, CAL) and not directly by the banks. Agents may try to fetch credit card data from the bank API instead of the card company.

以色列开放银行监管基于柏林集团NextGenPSD2框架，但针对以色列进行了适配，拥有独立的时间线和实施方案。截至2026年，所有银行的全面部署仍在进行中。Agent可能会引用英国开放银行或通用PSD2端点，但这些在以色列并不存在。实际应用中，israeli-bank-scrapers使用无头浏览器抓取数据，而非官方开放银行API。
Leumi银行、Hapoalim银行、Discount银行、Mizrahi-Tefahot银行及First International银行各自拥有不同的API实现。以色列所有银行之间没有统一的API。
Mercantile银行和Otsar HaHayal银行在上游库中是独立的抓取工具，尽管它们分别是Discount银行和FIBI银行的子公司。需将它们视为独立连接（各自拥有独立的loginFields结构）。请勿假设Discount银行的凭据可用于Mercantile银行，或FIBI银行的凭据可用于Otsar HaHayal银行。
交易记录的历史深度因银行而异。Hapoalim银行和Leumi银行通过抓取工具通常提供不足12个月的记录；FIBI集团旗下银行（FIBI、Otsar HaHayal、Pagi）通常提供12个月以上的记录。请将“最长12个月”视为上限，而非承诺。
以色列银行账户号码包含分行号（snif）前缀。Agent可能会使用国际IBAN格式验证账户号码，但以色列国内转账使用本地分行号+账户号格式。
以色列的信用卡账单由独立公司（Isracard、Max、CAL）发行，而非直接由银行发行。Agent可能尝试从银行API获取信用卡数据，而非从信用卡公司获取。

Troubleshooting

故障排除

Error: "2FA required"

错误：“需要2FA”

Cause: Israeli banks require two-factor authentication Solution: Complete 2FA through your bank's app/SMS when prompted by the MCP server. This is a one-time setup per session.

原因：以色列银行要求双因素认证解决方案：当MCP服务器提示时，通过银行应用/短信完成双因素认证。这是每个会话的一次性设置。

Error: "Scraper timeout"

错误：“抓取工具超时”

Cause: Bank website slow or blocking automated access Solution: Retry after a few minutes. If persistent, check israeli-bank-scrapers GitHub issues for known bank-specific issues.

原因：银行网站缓慢或阻止自动化访问解决方案：几分钟后重试。若问题持续，请查看israeli-bank-scrapers的GitHub问题页面，了解已知的银行特定问题。

Error: "Missing credit card transactions"

错误：“缺失信用卡交易记录”

Cause: Credit card company is separate from bank in Israel Solution: Add credit card company (Visa Cal, Max, Isracard) as a separate connection in the MCP server configuration.

原因：以色列的信用卡公司与银行相互独立解决方案：在MCP服务器配置中添加信用卡公司（Visa Cal、Max、Isracard）作为独立连接。