def csv_row_to_transaction(index, row, source_encoding="latin1",
            date_format="%d-%m-%Y", thousand_sep=".", decimal_sep=","):
        xfer, posted, message, amount, total = row
        xfer = Parse.date(xfer)
        posted = Parse.date(posted)
        message = Parse.to_utf8(message, source_encoding)
        amount = Parse.money(amount)
        total = Parse.money(total)
        return Transaction(index, xfer, posted, message, amount, total)