Open Banking Io
davila7/claude-code-templates
Read bank account balances and transactions from EU/UK banks via the open-banking.io PSD2 API.
Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works.
MITAuto-check passed
Install Bank Fee Refund
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a claude-codeProject install by default; add -g for ~/.claude/skills/.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refund --agent claude-codeProject scope by default; add --scope user for a personal install. Needs GitHub CLI 2.90.0 or later (public preview).
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .claude/skills && cp -r skills-src/skills/bank-fee-refund .claude/skills/bank-fee-refund && rm -rf skills-srcUse ~/.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/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .claude/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.Claude Code copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$skill-installer install https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refundType this inside Codex. $skill-installer <name> installs a curated skill from openai/skills. The installer writes to $CODEX_HOME/skills (default ~/.codex/skills). Restart Codex if the skill does not show up.
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a codexProject install goes to .agents/skills/; add -g for ~/.codex/skills/.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refund --agent codexProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .agents/skills && cp -r skills-src/skills/bank-fee-refund .agents/skills/bank-fee-refund && rm -rf skills-srcUse ~/.agents/skills/ instead of .agents/skills for a personal install.
Codex skills documentation · loads skills from .agents/skills/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .agents/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.Codex copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a cursorProject install goes to .agents/skills/; add -g for ~/.cursor/skills/.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refund --agent cursorProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .cursor/skills && cp -r skills-src/skills/bank-fee-refund .cursor/skills/bank-fee-refund && rm -rf skills-srcUse ~/.cursor/skills/ instead of .cursor/skills for a personal install.
Cursor skills documentation · loads skills from .cursor/skills/, .agents/skills/, .claude/skills/, .codex/skills/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .cursor/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.Cursor copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gemini skills install https://github.com/mohitagw15856/pm-claude-skills.git --path skills/bank-fee-refund--scope user (default) or --scope workspace; --path is the subfolder of the repo that holds the skill; --consent skips the security confirmation prompt.
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a gemini-cliProject install goes to .agents/skills/; add -g for ~/.gemini/skills/.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refund --agent gemini-cliProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .gemini/skills && cp -r skills-src/skills/bank-fee-refund .gemini/skills/bank-fee-refund && rm -rf skills-srcUse ~/.gemini/skills/ instead of .gemini/skills for a personal install, then run /skills reload.
Gemini CLI skills documentation · loads skills from .gemini/skills/, .agents/skills/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .gemini/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.Gemini CLI copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refundInstalls for Copilot at project scope by default; add --scope user for a personal install. Preview a skill first with gh skill preview. Needs GitHub CLI 2.90.0 or later (public preview).
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a github-copilotProject install goes to .agents/skills/; add -g for ~/.copilot/skills/.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .github/skills && cp -r skills-src/skills/bank-fee-refund .github/skills/bank-fee-refund && rm -rf skills-srcUse ~/.copilot/skills/ instead of .github/skills for a personal install. Commit .github/skills so cloud agent and code review can use it.
GitHub Copilot skills documentation · loads skills from .github/skills/, .claude/skills/, .agents/skills/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .github/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.GitHub Copilot copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
$ npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a opencodeOpenCode documents no install command of its own. Project install goes to .agents/skills/; add -g for ~/.config/opencode/skills/.
$ gh skill install mohitagw15856/pm-claude-skills bank-fee-refund --agent opencodeProject scope by default (.agents/skills/); add --scope user for a personal install.
$ git clone --depth 1 https://github.com/mohitagw15856/pm-claude-skills.git skills-src && mkdir -p .opencode/skills && cp -r skills-src/skills/bank-fee-refund .opencode/skills/bank-fee-refund && rm -rf skills-srcUse ~/.config/opencode/skills/ instead of .opencode/skills for a personal install.
OpenCode skills documentation · loads skills from .opencode/skills/, .claude/skills/, .agents/skills/
Install the "bank-fee-refund" agent skill from https://github.com/mohitagw15856/pm-claude-skills/tree/main/skills/bank-fee-refund into .opencode/skills/bank-fee-refund/ in this project. Copy the whole folder (SKILL.md and every file beside it), keep the folder name "bank-fee-refund", then confirm the skill loads.OpenCode copies the folder itself, the same result as the manual copy. Check what it changed before you commit it.
Facts
- Skill name
bank-fee-refund- GitHub stars
- 1.4k
- Token cost
- ~1k tokens
- SKILL.md length
- 546 words
- Files
- 1
- Skills in repo
- 1,348
- Repo updated
- First seen
- Licence
- MIT
At a glance
Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works.
- Works in 5 steps: Know which fees waive easily. First-time… → Ask specifically and politely. "I… → Use real leverage. First-time courtesy,… → …
- Asked to get a bank fee refunded
- SKILL.md covers What This Skill Produces, Required Inputs, Framework: Ask Well, Prove… and Output Format, plus 3 more sections
- Instructions only: no scripts, shell commands, URLs or credentials in SKILL.md
What it does
Bank Fee Refund is an agent skill from mohitagw15856/pm-claude-skills. Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works. Use when asked to get a bank fee refunded, waive my overdraft fee, the bank charged me a fee, or how to get charges reversed. Produces a read on which fees are commonly reversible, the script to request a refund (in person, chat, or call), the loyalty/first-time/error leverage to use, and how to prevent the fee recurring — plus when to escalate or switch banks.
Its SKILL.md is about 1k tokens, which your agent loads only when the skill is triggered. It is a single SKILL.md file with no bundled scripts.
The repository describes itself as: 1255 professional Agent Skills for Claude, ChatGPT, Gemini, Cursor & Codex — PRDs, postmortems, leases, medical bills, layoffs, go-bags, new countries. Plain markdown, MIT, in… The licence is MIT.
When your agent uses it
- Asked to get a bank fee refunded
- Waive my overdraft fee
- The bank charged me a fee
- How to get charges reversed
Example prompts
- “/bank-fee-refund”
Workflow steps
5 steps, taken from the first numbered list in SKILL.md.
- Know which fees waive easily. First-time or occasional overdraft, late, and maintenance fees are frequently reversed as goodwill; contest…
- Ask specifically and politely. "I noticed a $35 overdraft fee on [date] — I've been a customer [X years] and this is a one-off; could you…
- Use real leverage. First-time courtesy, loyalty/value, or a genuine bank error are the levers that work; if it was an error, say so plainly.
- Fix the cause. Refund is step one; set up balance alerts, a small buffer, autopay, or move to a no-fee account so it doesn't recur.
- Escalate or leave. Politely ask for a supervisor if refused once; if fees are chronic, a fee-free bank is the permanent solution.
What it can do on your machine
Read from SKILL.md and the folder at commit 1cbf1f0. 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 no API keys, tokens, secrets or passwords.
From names ending in _API_KEY, _TOKEN, _SECRET, _KEY or _PASSWORD in SKILL.md.
Context cost
Bank Fee Refund loads about 1k tokens when it runs. Until then it costs about 131 tokens; SKILL.md has 546 words of instructions outside code blocks.
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 mohitagw15856/pm-claude-skills at commit 1cbf1f0, republished under its MIT licence (© mohitagw15856). 546 words, ~1,043 tokens.
Download SKILL.mdSave it as
.claude/skills/bank-fee-refund/SKILL.md (or your agent's skills folder).- name
- bank-fee-refund
- description
- Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works. Use when asked to get a bank fee refunded, waive my overdraft fee, the bank charged me a fee, or how to get charges reversed. Produces a read on which fees are commonly reversible, the script to request a refund (in person, chat, or call), the loyalty/first-time/error leverage to use, and how to prevent the fee recurring — plus when to escalate or switch banks.
Bank Fee Refund
Banks reverse fees far more often than people realize — especially for good customers who simply ask. A single overdraft or late fee is usually waivable with a polite, specific request and a little leverage. This tells you which fees are worth contesting, writes the ask, and sets up the account so it doesn't keep happening.
What This Skill Produces
- A reversibility read — which fee this is and how commonly it's waived (one-off overdraft/late fees: often; some charges: rarely)
- The request — a short, specific script for chat, phone, or in person asking for a refund
- Your leverage — first-time courtesy, length/value as a customer, a genuine error, or a one-off slip
- Prevention — the setting or habit that stops it recurring (alerts, buffer, autopay, fee-free account)
- Escalation — what to do if refused, and when switching to a fee-free bank is the real fix
Required Inputs
Ask for these if not provided:
- The fee — type (overdraft, late, monthly maintenance, ATM, foreign transaction), amount, when
- Why it happened — a slip, a bank error, or a recurring pattern
- Your history — how long with the bank, usually in good standing, first time or repeat
- Channel — do you prefer chat, phone, or branch
- Goal — just this refund, or stop it happening again
Framework: Ask Well, Prove You're Worth Keeping
- Know which fees waive easily. First-time or occasional overdraft, late, and maintenance fees are frequently reversed as goodwill; contest confidently.
- Ask specifically and politely. "I noticed a $35 overdraft fee on [date] — I've been a customer [X years] and this is a one-off; could you waive it as a courtesy?" beats a vague complaint.
- Use real leverage. First-time courtesy, loyalty/value, or a genuine bank error are the levers that work; if it was an error, say so plainly.
- Fix the cause. Refund is step one; set up balance alerts, a small buffer, autopay, or move to a no-fee account so it doesn't recur.
- Escalate or leave. Politely ask for a supervisor if refused once; if fees are chronic, a fee-free bank is the permanent solution.
Show full SKILL.md (202 more words)Show less
Output Format
Fee refund: [fee type] · [amount] · [date] · customer [X yrs]
Reversible? [commonly / sometimes / rarely] — because [type]. Leverage: [first-time courtesy / loyalty / bank error / one-off].
The ask ([chat/phone/branch])
[Notice the specific fee + date + amount, loyalty, one-off, request a courtesy waiver.]
If refused: ask for a supervisor once → [escalate / consider a fee-free account]. Prevent recurrence: [alerts / buffer / autopay / switch account].
Quality Checks
- Identifies how reversible the specific fee type is
- Provides a polite, specific refund script
- Uses real leverage (first-time, loyalty, or error)
- Includes a prevention step so it doesn't recur
- Gives an escalation/switch path if refused
Anti-Patterns
- Assuming fees are non-negotiable and never asking.
- A vague angry complaint instead of a specific, polite ask.
- Being rude to the agent who can choose to help.
- Getting the refund but not fixing the cause.
- Tolerating chronic fees instead of switching banks.
Example Trigger Phrases
- "The bank hit me with a $35 overdraft fee — how do I get it refunded?"
- "Can I get a late fee waived? First time it's happened."
- "They charged me a monthly maintenance fee I didn't know about."
- "Write me a message to ask the bank to reverse a charge."
- "I keep getting overdraft fees — how do I stop them for good?"
© mohitagw15856, 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 skills/bank-fee-refund of mohitagw15856/pm-claude-skills.
Open the folder on GitHubat commit 1cbf1f0
Compare with similar skills
Bank Fee Refund 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.
| Skill | Stars | Used in | Tokens | Auto-check | Licence | Repo updated |
|---|---|---|---|---|---|---|
| Bank Fee Refund this skillmohitagw15856/pm-claude-skills | 1.4k | — | ~1k | Automated safety check: Pass | MIT | |
| Open Banking Iodavila7/claude-code-templates | 33k | — | ~472 | Automated safety check: Pass | MIT | |
| Model Bank Metadatalobehub/lobehub | 83k | — | ~2k | Automated safety check: Pass | Custom licence | |
| Banknoskillish/bankmcp | 277 | — | ~1.1k | Automated safety check: Pass | MIT | |
| Refund And Disputesuperset-sh/superset | 15k | — | ~1.3k | Automated safety check: Pass | Custom licence | |
| Refunds And Disputeshashgraph-online/awesome-codex-plugins | 1.3k | — | ~3.6k | Automated safety check: Pass | Apache-2.0 |
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Questions about Bank Fee Refund
What does Bank Fee Refund do?
Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works. Bank Fee Refund is an agent skill from mohitagw15856/pm-claude-skills. Get a bank fee waived or refunded — overdraft, late, maintenance, ATM, or foreign-transaction — with the ask written and the leverage that works.
When should I use Bank Fee Refund?
Bank Fee Refund fits situations like: asked to get a bank fee refunded; waive my overdraft fee; the bank charged me a fee; how to get charges reversed.
How do I install Bank Fee Refund in Claude Code?
Run `npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a claude-code`. Or copy the skill folder (skills/bank-fee-refund in mohitagw15856/pm-claude-skills) into .claude/skills/bank-fee-refund in your project. Claude Code loads it when a task matches its description.
How do I install Bank Fee Refund in Codex?
Run `npx skills add mohitagw15856/pm-claude-skills --skill bank-fee-refund -a codex`. Or copy the skill folder (skills/bank-fee-refund in mohitagw15856/pm-claude-skills) into .agents/skills/bank-fee-refund in your project. Codex loads it when a task matches its description.
Can I use Bank Fee Refund 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 mohitagw15856/pm-claude-skills --skill bank-fee-refund -a cursor` (or -a gemini-cli, github-copilot or opencode for the others). To copy it by hand, put the folder in .cursor/skills/bank-fee-refund, .gemini/skills/bank-fee-refund, .github/skills/bank-fee-refund and .opencode/skills/bank-fee-refund in your project.
What does Bank Fee Refund need to run?
SKILL.md names no scripts, command-line tools or credentials: Bank Fee Refund is instructions for the agent only.
Does Bank Fee Refund 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 Fee Refund 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 Fee Refund use?
Bank Fee Refund 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 Fee Refund use?
About 1k tokens (SKILL.md is roughly 4.2k 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 Fee Refund?
Skills that share tags, products or a category with Bank Fee Refund: Open Banking Io (davila7/claude-code-templates, 33k stars), Model Bank Metadata (lobehub/lobehub, 83k stars), Bank (noskillish/bankmcp, 277 stars) and Refund And Dispute (superset-sh/superset, 15k stars). The comparison table on this page puts their stars, adoption, token cost, safety result and licence side by side.
Who maintains Bank Fee Refund?
mohitagw15856 (a GitHub user) maintains it in mohitagw15856/pm-claude-skills, which has 1,434 GitHub stars. The repository holds 1,348 skills in this directory. The repository was last updated on October 9, 2026.
Source: mohitagw15856/pm-claude-skills on GitHub. Facts on this page come from the repository at the commit we read; the author's words are quoted as theirs.