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Agent skill

Bank Accounts and Transactions via Plaid

by codewhale-hq in codewhale-hq/Codewhale

Reads bank balances and transaction history through the Plaid API and reports spending by category or merchant, strictly read-only.

MITAuto-check passedBusiness, Finance & HR

Install Bank Accounts and Transactions via Plaid

skills CLI
$ npx skills add codewhale-hq/Codewhale --skill money -a claude-code

Project install by default; add -g for ~/.claude/skills/.

GitHub CLI
$ gh skill install codewhale-hq/Codewhale money --agent claude-code

Project scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).

Manual copy
$ git clone --depth 1 https://github.com/codewhale-hq/Codewhale.git skills-src && mkdir -p .claude/skills && cp -r skills-src/crates/tui/assets/skills/money .claude/skills/money && rm -rf skills-src

Use ~/.claude/skills/ instead of .claude/skills for a personal install. The folder must contain SKILL.md.

Claude Code skills documentation · loads skills from .claude/skills/

Facts

Skill name
money
GitHub stars
41k
Token cost
~305 tokens
SKILL.md length
134 words
Files
1
Skills in repo
63
Repo updated
First seen
Licence
MIT

At a glance

Reads bank balances and transaction history through the Plaid API and reports spending by category or merchant, strictly read-only.

  • Works in 4 steps: Exchange the public token once: POST… → Balances: POST /accounts/balance.… → Report with dates, merchant names, and… → …
  • Checking current balances across your linked bank accounts
  • SKILL.md covers When to use, Setup, Workflow and Non-goals
  • Needs PLAID_SECRET

What it does

This skill connects the agent to your bank data through Plaid for balance checks, transaction history and spending breakdowns. It needs a Plaid client ID and secret and stops with a clear error when they are missing instead of guessing. Work starts in Plaid's sandbox environment, and production is touched only when you approve it. You complete the Link flow yourself in your browser; the agent handles everything after the public token exchange.

Balances come from the accounts balance endpoint, and history comes from the transactions sync endpoint, paged by cursor until no more results remain. Reports list dates, merchant names and amounts and mark which items are still pending and which have posted. On request it groups spending by category or merchant. The skill never moves money, pays bills or starts transfers, keeps account and routing numbers only as long as the session needs them, and keeps secrets out of chat, logs and files.

When your agent uses it

  • Checking current balances across your linked bank accounts
  • Reviewing recent transactions, split into pending and posted
  • Breaking down spending by merchant or category over a period

Example prompts

  • “Show my checking and savings balances using the Plaid sandbox.”
  • “Pull this month's transactions and group the spending by merchant.”
  • “Which of my recent card charges are still pending?”

Requirements

  • Plaid API credentials (client ID and secret)
  • A browser to complete the Plaid Link flow

Workflow steps

4 steps, taken from the first numbered list in SKILL.md.

  1. Exchange the public token once: POST /item/public_token/exchange.
  2. Balances: POST /accounts/balance. History: POST /transactions/sync
  3. Report with dates, merchant names, and amounts; call out pending vs posted.
  4. Spending analysis aggregates by category or merchant on request.

What it can do on your machine

Read from SKILL.md and the folder at commit 64bb073. It shows what the files ask for, not the result of running them.

  • Tool permissions

    Pre-approves nothing: there is no allowed-tools line, so your agent's usual permission prompts apply.

    From allowed-tools in the SKILL.md frontmatter.

  • Runs code

    No scripts in the folder and no shell commands in SKILL.md.

    From the folder's file list and the shell code blocks in SKILL.md.

  • Network

    No URLs in SKILL.md.

    From URLs in SKILL.md, links to its own repository left out.

  • Credentials

    Names these keys or tokens, usually read from environment variables:

    • PLAID_SECRET

    From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.

Context cost

Bank Accounts and Transactions via Plaid loads about 305 tokens when it runs. Until then it costs about 32 tokens; SKILL.md has 134 words of instructions outside code blocks.

Always · name and description, kept in context so the agent knows when to use it
~32
When it runs · the whole SKILL.md, loaded when a task matches
~305

Estimates: characters ÷ 4, the usual rule of thumb; real counts depend on the model's tokenizer. Scripts and assets cost tokens only if the agent reads them.

Safety

Auto-check passed

The automated check found no risky patterns in SKILL.md.

Automated static check — not a guarantee. Review scripts before installing. It scans the text of SKILL.md for risky patterns (piping downloads into a shell, reading credential files, hidden Unicode, destructive commands); files beside SKILL.md are not scanned.

SKILL.md

The full file from codewhale-hq/Codewhale at commit 64bb073, republished under its MIT licence (© codewhale-hq). 134 words, ~305 tokens.

Download SKILL.mdSave it as .claude/skills/money/SKILL.md (or your agent's skills folder).
name
money
description
Bank accounts, balances, and transactions via Plaid. Use when: bank, balance, transactions, spending, accounts, or plaid.
invocation
model+user

Money

When to use

Account balances, transaction history, and spending analysis across the user's bank accounts.

Setup

Requires Plaid API credentials. Fail loud when they are missing:

PLAID_CLIENT_ID=... PLAID_SECRET=...  # sandbox keys first, production only when asked

The Link flow opens in the user's browser — the user completes it, the agent drives everything after token exchange. Start in sandbox; touch production only with explicit approval.

Workflow

  1. Exchange the public token once: POST /item/public_token/exchange.
  2. Balances: POST /accounts/balance. History: POST /transactions/sync with its cursor, paging until has_more is false.
  3. Report with dates, merchant names, and amounts; call out pending vs posted.
  4. Spending analysis aggregates by category or merchant on request.

Non-goals

  • Do not move money, pay bills, or initiate transfers. Read-only, always.
  • Do not store account or routing numbers beyond the session need.
  • Do not paste secrets into chat, logs, or files.

© codewhale-hq, MIT. Rendered from Markdown: HTML in the file is shown as text, images as links, and headings moved down two levels. Raw file

Files

Just SKILL.md in crates/tui/assets/skills/money of codewhale-hq/Codewhale.

Open the folder on GitHubat commit 64bb073

Compare with similar skills

Bank Accounts and Transactions via Plaid next to the 5 skills that share the most tags, products or categories with it. Stars are the repository's; “used in” counts other GitHub owners with a copy.

Bank Accounts and Transactions via Plaid compared with similar skills
SkillStarsUsed inTokensAuto-checkLicenceRepo updated
Bank Accounts and Transactions via Plaid this skillcodewhale-hq/Codewhale41k—~305Automated safety check: PassMIT
Financial Analystalirezarezvani/claude-skills28k1 repos~1.8kAutomated safety check: PassMIT
SaaS Economics and Efficiency Metricsdeanpeters/Product-Manager-Skills7.2k1 repos~6.4kAutomated safety check: PassCustom licence
Finance Managerailabs-393/ai-labs-claude-skills455—~1.9kAutomated safety check: PassMIT
Finance Skillsalirezarezvani/claude-skills28k—~513Automated safety check: PassMIT
Financial AnalystaAAaqwq/AGI-Super-Team1051 repos~4.2kAutomated safety check: PassMIT

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Categories

Questions about Bank Accounts and Transactions via Plaid

What does Bank Accounts and Transactions via Plaid do?

Reads bank balances and transaction history through the Plaid API and reports spending by category or merchant, strictly read-only. This skill connects the agent to your bank data through Plaid for balance checks, transaction history and spending breakdowns. It needs a Plaid client ID and secret and stops with a clear error when they are missing instead of guessing.

When should I use Bank Accounts and Transactions via Plaid?

Bank Accounts and Transactions via Plaid fits situations like: checking current balances across your linked bank accounts; reviewing recent transactions, split into pending and posted; breaking down spending by merchant or category over a period.

How do I install Bank Accounts and Transactions via Plaid in Claude Code?

Run `npx skills add codewhale-hq/Codewhale --skill money -a claude-code`. Or copy the skill folder (crates/tui/assets/skills/money in codewhale-hq/Codewhale) into .claude/skills/money in your project. Claude Code loads it when a task matches its description.

How do I install Bank Accounts and Transactions via Plaid in Codex?

Run `npx skills add codewhale-hq/Codewhale --skill money -a codex`. Or copy the skill folder (crates/tui/assets/skills/money in codewhale-hq/Codewhale) into .agents/skills/money in your project. Codex loads it when a task matches its description.

Can I use Bank Accounts and Transactions via Plaid in Cursor, Gemini CLI or GitHub Copilot?

Cursor, Gemini CLI, GitHub Copilot and OpenCode also load SKILL.md folders. With the skills CLI, run `npx skills add codewhale-hq/Codewhale --skill money -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/money, .gemini/skills/money, .github/skills/money and .opencode/skills/money in your project.

What does Bank Accounts and Transactions via Plaid need to run?

Going by SKILL.md and its folder, Bank Accounts and Transactions via Plaid needs credentials named PLAID_SECRET. Our summary lists: Plaid API credentials (client ID and secret); A browser to complete the Plaid Link flow.

Does Bank Accounts and Transactions via Plaid access the network?

SKILL.md contains no URLs. Any network use would come from the scripts or tools the agent runs. This is read from the text; nothing was executed.

Is Bank Accounts and Transactions via Plaid safe to install?

Our automated static check of SKILL.md found no risky patterns, such as piping downloads into a shell, reading credential files or hidden Unicode. It is not a guarantee. Review the folder before installing.

What licence does Bank Accounts and Transactions via Plaid use?

Bank Accounts and Transactions via Plaid is published under the MIT licence (the repository's licence). It allows redistribution, so the full SKILL.md is shown on this page.

How many tokens does Bank Accounts and Transactions via Plaid use?

About 305 tokens (SKILL.md is roughly 1.2k characters). Agents keep only the skill's name and description in context until a task matches; then they load SKILL.md in full.

What are the alternatives to Bank Accounts and Transactions via Plaid?

Skills that share tags, products or a category with Bank Accounts and Transactions via Plaid: Financial Analyst (alirezarezvani/claude-skills, 28k stars), SaaS Economics and Efficiency Metrics (deanpeters/Product-Manager-Skills, 7.2k stars), Finance Manager (ailabs-393/ai-labs-claude-skills, 455 stars) and Finance Skills (alirezarezvani/claude-skills, 28k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.

Who maintains Bank Accounts and Transactions via Plaid?

codewhale-hq (a GitHub organization) maintains it in codewhale-hq/Codewhale, which has 41,076 GitHub stars. The repository holds 63 skills in this directory. The repository was last updated on October 10, 2026.

Source: codewhale-hq/Codewhale on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.