How to analyze your Air Bank statement and find the leaks

VESTELON FLOW2026年9月3日8 分钟阅读

Air Bank built its whole reputation on not being annoying: clear pricing, an app people actually like, and a promise that you will not be surprised by a fee. For the most part it delivers. Which creates a different problem — when you trust an account, you stop reading it. And the things that quietly cost you money on an Air Bank account are rarely the bank's fees. They are the standing orders, the card subscriptions and the recurring payments that accumulated over the years while you were not looking.

The whole record is sitting in your payment history. Air Bank will even let you slice it before you download it, which most banks do not.

How to export your Air Bank statement

The useful export is not the monthly statement — it is the payment history. In Air Bank internet banking, open your payment history and use the filters, then export the result as CSV. That filtering is the part worth knowing about: you can narrow the export to incoming payments from your employer, to all card payments over a chosen period, or to payments carrying a specific tag you added yourself.

For finding leaks, do not filter at all on the first pass. Take everything for the last twelve months, because the point is to see the whole picture in one file. Use the filters afterwards, once you know what you are looking for.

The monthly statement is a separate thing. Air Bank sends it to your internet banking within minutes, free of charge, and can also email it. In the My Air mobile app you open Chytrý přehled, pick the account, tap the three dots at the top right and choose account statements — but the app only gives you PDF. The ABO and XML formats are available only from internet banking on a computer, so do the export there once.

Then upload the file to VESTELON FLOW. You never share your internet banking login, your password, your My Air authorisation or any access to the bank. FLOW reads the file you exported yourself, nothing else.

Inside the file, expect dates in DD.MM.YYYY, amounts in Czech koruna with a comma as the decimal separator, and domestic transfers described through the Czech clearing system rather than as SEPA payments. Card payments carry the merchant name as the payment processor registered it, which is why a shop you know by one name can appear under a company name you have never seen.

你的账户每个月在悄悄漏掉多少钱？

订阅12%

银行手续费7%

住房33%

交通13%

日常消费21%

水电燃气14%

这只是估算。上传账单，才能算出你真实的数字。

Where money quietly leaks at Air Bank

Air Bank's own charges are unusually simple, so this is not a bank-fee hunt. The leaks on this kind of account are behavioural and they hide in plain sight:

Card subscriptions you forgot about. The single most common finding on any account, and Air Bank customers tend to be exactly the people who signed up for a lot of trials. Some of them renewed.
Standing orders that outlived their purpose. Insurance on something sold, a membership near an address you moved away from, a service you replaced without cancelling the old one.
Cash withdrawals outside the free allowance. Air Bank's conditions are generous but not infinite. If withdrawals appear as charges, the pattern is usually many small withdrawals rather than a few larger ones.
Currency conversion on foreign payments. Paying in koruna abroad through the merchant's own conversion generally costs more than letting your bank convert.
Small recurring amounts under a hundred koruna. Individually they never trigger a second thought. Twelve of them running for a year is a number worth seeing.

You will notice no amounts in that list. Conditions change and depend on which account you hold. The reliable number is the one on your own export.

What FLOW finds in an Air Bank statement

Upload the CSV and FLOW does the reading. Every row is categorised, then FLOW looks for what a human eye skips in several hundred lines:

Every recurring charge, ranked by annual cost rather than monthly — because the two numbers lead to different decisions.
Bank charges separated from your actual spending, so the cost of the account is a visible figure rather than noise in the total.
Forgotten subscriptions, including those billed under a payment processor's name instead of the brand you would recognise.
Your fixed costs against your income, which is what determines your real room each month.
How many months your current reserve would cover if the income stopped.

One report, ranked by size, and the first three actions worth taking. No bank connection to set up, nothing to install, no open-banking consent.

Turning the report into recovered money

Cancel what you no longer use. Start at the top of the ranked list; forgotten subscriptions are almost always the fastest win.
Consolidate your cash habits. Fewer, larger withdrawals inside the free allowance instead of many small ones.
Let your own bank handle conversion. Always decline the merchant's offer to charge you in koruna abroad.
Redirect what you recovered. Straight to savings or your reserve, before it leaks somewhere else.

FLOW is in early access, so you are ahead of the crowd, and your first report is free. Upload one export and get one clear answer: what your Air Bank account actually costs you.

See where your money is leaking, free ›

上传一份银行账单。FLOW 帮你看清今天的钱正从哪里流失、把它们重新用对地方能值多少，以及哪一年你能真正实现财务自由。这不是又一个记账工具，而是一份你立刻就能照着做的计划。

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