diff --git a/bank-fio.scm b/bank-fio.scm
index f3857cb..28b327c 100644
--- a/bank-fio.scm
+++ b/bank-fio.scm
@@ -44,13 +44,8 @@
    (let ((id (string->number (car row)))
 	 (date (cadr row))
 	 (amount (string->number
-		  (let* ((astr (caddr row))
-			 (ci (substring-index "," astr)))
-		    (if ci
-			(string-append (substring astr 0 ci)
-				       "."
-				       (substring astr (add1 ci)))
-			astr))))
+		  (string-translate* (caddr row)
+				     '(("," . ".")))))
 	 (currency (string->symbol (cadddr row)))
 	 (varsym (list-ref row 9))
 	 (message (list-ref row 12)))