diff --git a/README.md b/README.md
index 9f14d85..7e75a4b 100644
--- a/README.md
+++ b/README.md
@@ -3,7 +3,7 @@
 parsing -> categorize -> analyze (predict)
 
 ## Parsing
-Parses bank extracts, based on parsers.py functions, to SQLite db.
+Parses bank extracts, based on parsers.yaml, to a SQLite database.
 
 ## Categorize
 Categorizes transactions based on categories.py filters.
diff --git a/parsers.yaml b/parsers.yaml
new file mode 100644
index 0000000..512c960
--- /dev/null
+++ b/parsers.yaml
@@ -0,0 +1,60 @@
+Banks:
+  - Bank1
+  - Bank2
+  - Bank3
+
+CreditCards:
+  - VISA
+  - MasterCard
+  - AmericanExpress
+
+default: &default
+  encoding: utf-8
+  separator: "\t"
+  date_fmt: "%Y-%m-%d"
+
+Bank1:
+  <<: *default
+  separator: ";"
+  date_fmt: "%d/%m/%Y"
+  start: 6
+  debit:
+    date: 1
+    text: 3
+    value: 4
+  additional_parser: true
+
+
+Bank2: &bank2
+  <<: *default
+  date_fmt: "%d/%m/%Y"
+  debit:
+    date: 0
+    text: 2
+    value: 3
+  VISA:
+    <<: *bank2
+    debit:
+      date: 0
+      text: 2
+      value: 3
+    credit:
+      date: 1
+      text: 2
+      value: 3
+
+Bank3:
+  encoding: windows-1252
+  separator: ","
+  date_fmt: "%d-%m-%Y"
+  start: 8
+  end: -1
+  debit:
+    date: 1
+    text: 2
+    value: 3
+    negate: true
+  credit:
+    date: 0
+    text: 2
+    value: 4
diff --git a/pfbudget/parsers.py b/pfbudget/parsers.py
index a7b08d7..2c4472a 100644
--- a/pfbudget/parsers.py
+++ b/pfbudget/parsers.py
@@ -1,198 +1,151 @@
-from datetime import datetime
+from collections import namedtuple
 from decimal import Decimal
-from pathlib import Path
+from importlib import import_module
+from typing import Final
+import datetime as dt
+import yaml
 
 from .transactions import Transaction
+from . import utils
 
 
-def parse_data(file: Path, append=False):
-    name = file.stem.split("_")
-    try:
-        bank, _ = name[0], int(name[1])
-    except ValueError:
-        _, bank = int(name[0]), name[1]
+cfg: Final = yaml.safe_load(open("parsers.yaml"))
+assert (
+    "Banks" in cfg
+), "parsers.yaml is missing the Banks section with the list of available banks"
 
-    p = dict(
-        Bank1=Bank1,
-        Bank2=Bank2,
-        Bank2CC=Bank2CC,
-        BANK3=Bank3,
-    )
+Index = namedtuple(
+    "Index", ["date", "text", "value", "negate"], defaults=[-1, -1, -1, False]
+)
+Options = namedtuple(
+    "Options",
+    [
+        "encoding",
+        "separator",
+        "date_fmt",
+        "start",
+        "end",
+        "debit",
+        "credit",
+        "additional_parser",
+        "VISA",
+        "MasterCard",
+        "AmericanExpress",
+    ],
+    defaults=["", "", "", 1, None, Index(), Index(), False, None, None, None],
+)
 
-    try:
-        parser = p[bank]()
-    except KeyError as e:
-        print(f"{e} {bank} parser doesnt exist. Cant parse {name}")
-        return
 
-    transactions = parser.parse(file)
+def parse_data(filename: str, bank=None) -> list:
+    if not bank:
+        bank, creditcard = utils.find_credit_institution(
+            filename, cfg.get("Banks"), cfg.get("CreditCards")
+        )
+
+    if creditcard:
+        options = cfg[bank][creditcard]
+        bank += creditcard
+    else:
+        options = cfg[bank]
+
+    if options.get("additional_parser", False):
+        parser = getattr(import_module("pfbudget.parsers"), bank)
+        transactions = parser(filename, bank, options).parse()
+    else:
+        transactions = Parser(filename, bank, options).parse()
+
     return transactions
 
 
+def transaction(line: str, bank: str, options: Options, func) -> Transaction:
+    line = line.rstrip().split(options.separator)
+    index = Parser.index(line, options)
+
+    date = (
+        dt.datetime.strptime(line[index.date].strip(), options.date_fmt)
+        .date()
+        .isoformat()
+    )
+    text = line[index.text]
+    value = utils.parse_decimal(line[index.value])
+    if index.negate:
+        value = -value
+    transaction = Transaction(date, text, bank, value)
+
+    if options.additional_parser:
+        func(transaction)
+    return transaction
+
+
 class Parser:
-    def parse(self, file):
+    def __init__(self, filename: str, bank: str, options: dict):
+        self.filename = filename
+        self.bank = bank
+
+        if debit := options.get("debit", None):
+            options["debit"] = Index(**debit)
+        if credit := options.get("credit", None):
+            options["credit"] = Index(**credit)
+
+        self.options = Options(**options)
+
+    def func(self, transaction: Transaction):
         pass
 
+    def parse(self) -> list:
+        transactions = [
+            transaction(line, self.bank, self.options, self.func)
+            for line in list(open(self.filename, encoding=self.options.encoding))[
+                self.options.start - 1 : self.options.end
+            ]
+        ]
+        return transactions
+
+    @staticmethod
+    def index(line: list, options: Options) -> Index:
+        if options.debit.date != -1 and options.credit.date != -1:
+            if options.debit.value != options.credit.value:
+                if line[options.debit.value]:
+                    index = options.debit
+                elif line[options.credit.value]:
+                    index = options.credit
+            elif options.debit.date != options.credit.date:
+                if line[options.debit.date]:
+                    index = options.debit
+                elif line[options.credit.date]:
+                    index = options.credit
+            elif options.debit.text != options.credit.text:
+                if line[options.debit.text]:
+                    index = options.debit
+                elif line[options.credit.text]:
+                    index = options.credit
+            else:
+                raise IndexError("Debit and credit indexes are equal")
+        elif options.debit.date != -1:
+            index = options.debit
+        elif options.credit.date != -1:
+            index = options.credit
+        else:
+            raise IndexError("No debit not credit indexes available")
+
+        return index
+
 
 class Bank1(Parser):
-    """Bank 1 parser
+    def __init__(self, filename: str, bank: str, options: dict):
+        super().__init__(filename, bank, options)
+        self.transfers = []
+        self.transaction_cost = -Decimal("1")
 
-    Bank 1 transcripts have the following properties:
-    encoding: utf-8
-    separator: ;
-    starting line: 5
-    date format: %d/%m/%Y
-
-    The reading order is reversed to go from earlier to latest.
-    """
-
-    encoding = "utf-8"
-    separator = ";"
-
-    def parse(self, file):
-        transactions = []
-        reader = [
-            line.rstrip().split(self.separator)
-            for line in open(file, encoding=self.encoding)
-        ][5:]
-
-        for transaction in reversed(reader):
-            transaction = [field.rstrip() for field in transaction]
-            date = datetime.strptime(transaction[1], "%d/%m/%Y").date()
-            description = " ".join(transaction[3].split())
-            value = Decimal(transaction[4])
+    def func(self, transaction: Transaction):
+        if "transf" in transaction.description.lower() and transaction.value < 0:
+            transaction.value -= self.transaction_cost
+            self.transfers.append(transaction.date)
 
+    def parse(self) -> list:
+        transactions = super().parse()
+        for date in self.transfers:
             transactions.append(
-                Transaction(date.isoformat(), description, "Bank1", value)
+                Transaction(date, "Transaction cost", self.bank, self.transaction_cost)
             )
-
-        return transactions
-
-
-class Bank2(Parser):
-    """Bank 2 parser
-
-    Bank 2 transcripts have the following properties:
-    encoding: utf-8
-    separator: tab
-    date format: %d/%m/%Y or %d-%m-%Y
-    decimal separator: ,
-    """
-
-    encoding = "utf-8"
-    separator = "\t"
-
-    def parse(self, file):
-        transactions = []
-        reader = [
-            line.rstrip().split(self.separator)
-            for line in open(file, encoding=self.encoding)
-        ]
-
-        for transaction in reader:
-            try:
-                date = datetime.strptime(transaction[0], "%d/%m/%Y").date()
-            except ValueError:  # date can differ due to locales
-                date = datetime.strptime(transaction[0], "%d-%m-%Y").date()
-            description = transaction[2]
-
-            # works for US and EU locales (5,000.00 and 5 000,00)
-            value = list(transaction[3].replace("\xa0", ""))  # non-breaking space
-            value[-3] = "."
-            value = "".join(value)
-            value = value.replace(",", "")
-            value = Decimal(value)
-
-            transactions.append(
-                Transaction(date.isoformat(), description, "Bank2", value)
-            )
-
-        return transactions
-
-
-class Bank2CC(Parser):
-    """Bank 2 credit card parser
-
-    Bank 2 credit card transcripts have the following properties:
-    encoding: utf-8
-    separator: tab
-    date format: %d/%m/%Y or %d-%m-%Y
-    decimal separator: ,
-    """
-
-    encoding = "utf-8"
-    separator = "\t"
-
-    def parse(self, file):
-        transactions = []
-        reader = [
-            line.rstrip().split(self.separator)
-            for line in open(file, encoding=self.encoding)
-        ]
-
-        for transaction in reader:
-            try:
-                date = datetime.strptime(transaction[0], "%d/%m/%Y").date()
-            except ValueError:  # date can differ due to locales
-                date = datetime.strptime(transaction[0], "%d-%m-%Y").date()
-            description = transaction[2]
-
-            # works for US and EU locales (5,000.00 and 5 000,00)
-            value = list(transaction[3].replace("\xa0", ""))  # non-breaking space
-            value[-3] = "."
-            value = "".join(value)
-            value = value.replace(",", "")
-            value = Decimal(value)
-
-            if value > 0:
-                date = datetime.strptime(transaction[1], "%d/%m/%Y").date()
-
-            transactions.append(
-                Transaction(date.isoformat(), description, "Bank2CC", value)
-            )
-
-        return transactions
-
-
-class Bank3(Parser):
-    """Bank 3 parser
-
-    Bank 3 transcripts have the following properties:
-    encoding: windows-1252 (passed as argument)
-    separator: ;
-    starting line: 7
-    finishing line: -1
-    date format: %d-%m-%Y
-    decimal separator: ,
-    thousands separator: .
-
-    Bank 3 has credits in a different column from debits. These also have to be
-    negated. The reading order is reversed to go from earlier to latest.
-    """
-
-    encoding = "windows-1252"
-    separator = ","
-
-    def parse(self, file):
-        transactions = []
-        reader = [
-            line.rstrip().split(self.separator)
-            for line in open(file, encoding=self.encoding)
-        ][7:-1]
-
-        for transaction in reversed(reader):
-            transaction = [field.rstrip() for field in transaction]
-            date = datetime.strptime(transaction[1], "%d-%m-%Y").date()
-            description = transaction[2]
-            if t := transaction[3]:
-                t = t.replace(".", "").replace(",", ".")
-                value = -Decimal(t)
-            else:
-                t = transaction[4].replace(".", "").replace(",", ".")
-                value = Decimal(t)
-
-            transactions.append(
-                Transaction(date.isoformat(), description, "Bank3", value)
-            )
-
         return transactions
diff --git a/pfbudget/runnable.py b/pfbudget/runnable.py
index 31d1ceb..9a5863e 100644
--- a/pfbudget/runnable.py
+++ b/pfbudget/runnable.py
@@ -4,6 +4,7 @@ import datetime as dt
 
 from .database import DBManager
 from .graph import discrete, monthly
+from .parsers import parse_data
 from .transactions import load_transactions, save_transactions
 from . import report
 from . import tools
@@ -45,7 +46,13 @@ def argparser():
     p_export = subparsers.add_parser("export", help="export help")
     p_export.set_defaults(func=lambda args: DBManager(args.db).export())
 
+    """
+    Parsing
+    """
     p_parse = subparsers.add_parser("parse", help="parse help")
+    p_parse.add_argument("path", nargs="+", type=str)
+    p_parse.add_argument("--bank", nargs=1, type=str)
+    p_parse.set_defaults(func=parse)
 
     # p_restart = subparsers.add_parser("restart", help="restart help")
     p_vacation = subparsers.add_parser(
@@ -91,7 +98,6 @@ def argparser():
     p_graph_interval.add_argument("--end", type=str, nargs=1, help="graph end date")
     p_graph_interval.add_argument("--year", type=str, nargs=1, help="graph year")
 
-    p_parse.set_defaults(func=parse)
     # p_restart.set_defaults(func=restart)
     p_vacation.set_defaults(func=vacation)
     p_status.set_defaults(func=status)
@@ -134,7 +140,7 @@ def restart(state, args):
         raise PfBudgetNotInitialized(f"{Path(tools.STATE_FILE)} doesn't exist")
 
 
-def parse(state, args):
+def parse(args):
     """Parser
 
     Parses the contents of the raw directory into the data files, and
@@ -144,11 +150,17 @@ def parse(state, args):
         state (PFState): Internal state of the program
         args (dict): argparse variables
     """
-    raw_dir = args.raw if hasattr(args, "raw") else None
-    data_dir = args.data if hasattr(args, "data") else None
-
-    tools.parser(state, raw_dir, data_dir)
-    categorize(state, args)
+    for path in args.path:
+        if (dir := Path(path)).is_dir():
+            for file in dir.iterdir():
+                parse_data(file, args.bank)
+        elif Path(path).is_file():
+            trs = parse_data(path, args.bank)
+        else:
+            raise FileNotFoundError
+    # tools.parser(state, raw_dir, data_dir)
+    # categorize(state, args)
+    print("\n".join([t.desc() for t in trs]))
 
 
 def categorize(state, args):
diff --git a/pfbudget/transactions.py b/pfbudget/transactions.py
index 668194c..968323c 100644
--- a/pfbudget/transactions.py
+++ b/pfbudget/transactions.py
@@ -23,10 +23,16 @@ class Transaction:
 
         arg = args[0] if len(args) == 1 else list(args)
         try:
-            self.date = date.fromisoformat(arg[0])
+            if type(arg[0]) is date:
+                self.date = arg[0]
+            else:
+                self.date = date.fromisoformat(arg[0])
             self.description = " ".join(arg[1].split())
             self.bank = arg[2]
-            self.value = Decimal(arg[3])
+            if type(arg[3]) is float:
+                self.value = arg[3]
+            else:
+                self.value = Decimal(args[3])
             self.category = arg[4]
         except IndexError:
             pass
diff --git a/pfbudget/utils.py b/pfbudget/utils.py
new file mode 100644
index 0000000..0df2f1c
--- /dev/null
+++ b/pfbudget/utils.py
@@ -0,0 +1,54 @@
+from decimal import Decimal
+from pathlib import Path
+
+
+class WrongFilenameError(Exception):
+    pass
+
+
+class BankNotAvailableError(Exception):
+    pass
+
+
+class CreditCardNotAvailableError(Exception):
+    pass
+
+
+def parse_decimal(s: str) -> Decimal:
+    try:
+        float(s)
+        return Decimal(s)
+    except ValueError:
+        pass
+    s = s.strip().replace(u"\xa0", "").replace(" ", "")
+    s = s.strip().replace("€", "").replace("+", "")
+    if s.rfind(",") > s.rfind("."):
+        s = s.replace(".", "")
+        i = s.rfind(",")
+        li = list(s)
+        li[i] = "."
+        s = "".join(li)
+    return Decimal(s.replace(",", ""))
+
+
+def find_credit_institution(fn, banks, creditcards):
+    name = Path(fn).stem.split("_")
+    bank, cc = None, None
+    for i in name:
+        try:
+            int(i)
+        except ValueError:
+            if not bank:
+                bank = i
+            else:
+                cc = i
+
+    if not bank:
+        raise WrongFilenameError
+
+    if bank not in banks:
+        raise BankNotAvailableError
+    if cc and cc not in creditcards:
+        raise CreditCardNotAvailableError
+
+    return bank, cc
diff --git a/requirements.txt b/requirements.txt
index e3a623c..b4fabe4 100644
--- a/requirements.txt
+++ b/requirements.txt
@@ -1 +1,2 @@
 matplotlib==3.3.4
+PyYAML==5.4.1