fix(import): per-currency totals and row currency in bank-file preview (#1178)

* fix(import): per-currency totals and row currency in bank-file preview

Fixes #1170. ParsedBankTransaction carries a per-row currency (Wise
emits genuinely mixed rows; camt.053 reads Ccy per entry), but the
preview and confirm steps formatted every amount as kr and rendered
parser-level income/expense totals that sum across currencies.

Adds summarizeByCurrency() (income positive / expenses negative, ore
rounding, SEK default) and renders one total line per currency on both
steps; preview table rows format amount and balance with the row's own
currency.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

* fix(import): use roundOre from lib/money (antipattern ratchet)

The naive Math.round(x * 100) / 100 form is blocked by check:guards
(subtly wrong on exact-half values); lib/money.roundOre is canonical.

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

---------

Co-authored-by: Claude Fable 5 <noreply@anthropic.com>

components/import/BankFileConfirmStep.tsx

@@ -16,6 +16,7 @@ import {
   AlertTriangle,
 } from 'lucide-react'
 import { formatCurrency } from '@/lib/utils'
+import { summarizeByCurrency } from '@/lib/import/bank-file/currency-summary'
 import { createClient } from '@/lib/supabase/client'
 import { useCompany } from '@/contexts/CompanyContext'
 import type { BankFileParseResult } from '@/lib/import/bank-file/types'
@@ -41,6 +42,9 @@ export default function BankFileConfirmStep({
   const { transactions, stats, date_from, date_to, issues } = parseResult
   const refsCount = transactions.filter((t) => t.reference).length
   const warnings = issues.filter((i) => i.severity === 'warning')
+  // Same per-currency grouping as the preview step: parser-level totals sum
+  // across currencies, which misleads on Wise/camt.053 multi-currency files.
+  const currencyTotals = summarizeByCurrency(transactions)
 
   const [bankAccounts, setBankAccounts] = useState<BankAccount[]>([])
   const [selectedAccount, setSelectedAccount] = useState('1930')
@@ -128,18 +132,22 @@ export default function BankFileConfirmStep({
               <div className="flex items-center gap-2 text-muted-foreground mb-1">
                 <span className="text-xs">Inkomster</span>
               </div>
-              <p className="text-xl font-display tabular-nums">
-                {formatCurrency(stats.total_income)}
-              </p>
+              {(currencyTotals.length ? currencyTotals : [{ currency: 'SEK', total_income: 0, total_expenses: 0 }]).map((row) => (
+                <p key={row.currency} className="text-xl font-display tabular-nums">
+                  {formatCurrency(row.total_income, row.currency)}
+                </p>
+              ))}
             </div>
 
             <div className="p-4 bg-muted/50 rounded-lg">
               <div className="flex items-center gap-2 text-muted-foreground mb-1">
                 <span className="text-xs">Utgifter</span>
               </div>
-              <p className="text-xl font-display tabular-nums">
-                {formatCurrency(stats.total_expenses)}
-              </p>
+              {(currencyTotals.length ? currencyTotals : [{ currency: 'SEK', total_income: 0, total_expenses: 0 }]).map((row) => (
+                <p key={row.currency} className="text-xl font-display tabular-nums">
+                  {formatCurrency(row.total_expenses, row.currency)}
+                </p>
+              ))}
             </div>
           </div>
 

components/import/BankFilePreviewStep.tsx

@@ -20,6 +20,7 @@ import {
   FileText,
 } from 'lucide-react'
 import { formatCurrency } from '@/lib/utils'
+import { summarizeByCurrency } from '@/lib/import/bank-file/currency-summary'
 import type { BankFileParseResult } from '@/lib/import/bank-file/types'
 
 interface BankFilePreviewStepProps {
@@ -36,6 +37,9 @@ export default function BankFilePreviewStep({
   const { transactions, stats, issues, date_from, date_to } = parseResult
   const hasIssues = issues.filter((i) => i.severity === 'error').length > 0
   const warnings = issues.filter((i) => i.severity === 'warning')
+  // Wise/camt.053 files can mix currencies per row: the parser-level totals
+  // sum across currencies, so income/expenses are grouped per currency here.
+  const currencyTotals = summarizeByCurrency(transactions)
 
   return (
     <div className="space-y-6">
@@ -74,9 +78,11 @@ export default function BankFilePreviewStep({
               <TrendingUp className="h-4 w-4" />
               <span className="text-sm">Inkomster</span>
             </div>
-            <p className="text-lg font-display tabular-nums">
-              {formatCurrency(stats.total_income)}
-            </p>
+            {(currencyTotals.length ? currencyTotals : [{ currency: 'SEK', total_income: 0, total_expenses: 0 }]).map((row) => (
+              <p key={row.currency} className="text-lg font-display tabular-nums">
+                {formatCurrency(row.total_income, row.currency)}
+              </p>
+            ))}
           </CardContent>
         </Card>
 
@@ -86,9 +92,11 @@ export default function BankFilePreviewStep({
               <TrendingDown className="h-4 w-4" />
               <span className="text-sm">Utgifter</span>
             </div>
-            <p className="text-lg font-display tabular-nums">
-              {formatCurrency(stats.total_expenses)}
-            </p>
+            {(currencyTotals.length ? currencyTotals : [{ currency: 'SEK', total_income: 0, total_expenses: 0 }]).map((row) => (
+              <p key={row.currency} className="text-lg font-display tabular-nums">
+                {formatCurrency(row.total_expenses, row.currency)}
+              </p>
+            ))}
           </CardContent>
         </Card>
       </div>
@@ -151,11 +159,11 @@ export default function BankFilePreviewStep({
                     <TableCell
                       className="text-right font-mono text-sm"
                     >
-                      {formatCurrency(tx.amount)}
+                      {formatCurrency(tx.amount, tx.currency || 'SEK')}
                     </TableCell>
                     {transactions.some((t) => t.balance != null) && (
                       <TableCell className="text-right font-mono text-sm text-muted-foreground">
-                        {tx.balance != null ? formatCurrency(tx.balance) : '-'}
+                        {tx.balance != null ? formatCurrency(tx.balance, tx.currency || 'SEK') : '-'}
                       </TableCell>
                     )}
                     {transactions.some((t) => t.reference) && (

lib/import/bank-file/__tests__/currency-summary.test.ts

@@ -0,0 +1,44 @@
+import { describe, it, expect } from 'vitest'
+import { summarizeByCurrency } from '../currency-summary'
+import type { ParsedBankTransaction } from '../types'
+
+function tx(overrides: Partial<ParsedBankTransaction>): ParsedBankTransaction {
+  return {
+    date: '2026-07-01',
+    description: 'Test',
+    amount: 0,
+    currency: 'SEK',
+    ...overrides,
+  }
+}
+
+describe('summarizeByCurrency', () => {
+  it('groups income and expenses per currency instead of mixing them', () => {
+    const result = summarizeByCurrency([
+      tx({ amount: 2500, currency: 'USD' }),
+      tx({ amount: -100.5, currency: 'USD' }),
+      tx({ amount: 1000, currency: 'SEK' }),
+      tx({ amount: -250, currency: 'SEK' }),
+      tx({ amount: -30, currency: 'EUR' }),
+    ])
+
+    expect(result).toEqual([
+      { currency: 'EUR', total_income: 0, total_expenses: -30 },
+      { currency: 'SEK', total_income: 1000, total_expenses: -250 },
+      { currency: 'USD', total_income: 2500, total_expenses: -100.5 },
+    ])
+  })
+
+  it('defaults a missing currency to SEK and rounds to ore', () => {
+    const result = summarizeByCurrency([
+      tx({ amount: 0.105, currency: '' }),
+      tx({ amount: 0.105, currency: '' }),
+    ])
+
+    expect(result).toEqual([{ currency: 'SEK', total_income: 0.21, total_expenses: 0 }])
+  })
+
+  it('returns an empty list for no transactions', () => {
+    expect(summarizeByCurrency([])).toEqual([])
+  })
+})

lib/import/bank-file/currency-summary.ts

@@ -0,0 +1,36 @@
+import { roundOre } from '@/lib/money'
+import type { ParsedBankTransaction } from './types'
+
+export interface BankFileCurrencyTotals {
+  currency: string
+  total_income: number
+  total_expenses: number
+}
+
+/**
+ * Per-currency income/expense totals for a parsed bank file.
+ *
+ * The parser-level stats (`stats.total_income` / `stats.total_expenses`) sum
+ * every row regardless of currency, which is meaningless for multi-currency
+ * exports (Wise emits per-row currencies, camt.053 reads Ccy per entry).
+ * Sign convention matches the parsers: income positive, expenses negative.
+ */
+export function summarizeByCurrency(
+  transactions: ParsedBankTransaction[],
+): BankFileCurrencyTotals[] {
+  const perCurrency = new Map<string, { total_income: number; total_expenses: number }>()
+  for (const tx of transactions) {
+    const currency = tx.currency || 'SEK'
+    const row = perCurrency.get(currency) ?? { total_income: 0, total_expenses: 0 }
+    if (tx.amount > 0) row.total_income += tx.amount
+    else row.total_expenses += tx.amount
+    perCurrency.set(currency, row)
+  }
+  return [...perCurrency.entries()]
+    .map(([currency, totals]) => ({
+      currency,
+      total_income: roundOre(totals.total_income),
+      total_expenses: roundOre(totals.total_expenses),
+    }))
+    .sort((a, b) => a.currency.localeCompare(b.currency))
+}