Creditcrest Statement
1 June 2026 to 29 Aug 2026 · bs_example_connection
- Account holder
- Alex Citizen1 Example Street, Bramblewood VIC 3999
- Period
- 1 June 2026 to 29 Aug 202690 days
- Source
- InventedMade 30 Aug 2026, 9:12 am AEST
- Bank
- Bramble Bank2 accounts · BSB 000‑000
At a glance
As at 29 Aug 2026, over 90 days: where a month’s regular income goes. Each figure’s reference is in Decision metrics. ✓No red flags
| IN01Regular incomeOngoing income only | $5,156.67a month |
|---|---|
| EX23CommitmentsLoans, cards and buy now pay later | None |
| EX24EssentialsRent and living expenses | −$2,759.7553.5% of income |
| EX25DiscretionaryEating out, shopping, entertainment, travel and donations and charity | −$153.373% of income |
| RL08RiskGambling | None |
| EX15CashCash withdrawals | None |
| PO01✓SurplusRegular income less all spending | $2,243.5543.5% of income |
- Of income
- RL26Gambling 0%
- RL27Cash within 5 days of income 0%
- RL28External transfers 0%
- RL29Cash and external transfers 0%
Accounts
| Account | Opening | Money in | Money out | Closing | Median day-end | Lowest day-end |
|---|---|---|---|---|---|---|
| A1Everyday AccountWagesBSB 000-000 · xxxx3307 · Transaction account | $1,504.45 | $14,530.00 | $11,622.87 | $4,411.58available $4,411.58 | $2,528.86 | $212.357 June |
| A2Bonus SaverBSB 000-000 · xxxx4821 · Savings account | $5,820.00 | $3,029.70 | $250.00 | $8,599.70available $8,599.70 | $7,834.62 | $5,820.001 June |
| Everyday and savings | $7,324.45 | $17,559.70 | $11,872.87 | $13,011.28 |
Balance at the end of each day
Swipe the chart for the whole period.
- Everyday Account $4,411.58
- Bonus Saver $8,599.70
- Pay day
- Below zero
Decision metrics
The figures a decision turns on that say something on this statement, each with its reference; where a policy can read the same figure, its Decisioning field is named.
Income
| IN01Regular incomeA month · Decisioning: verified monthly income | $5,156.67 |
| IN02Salary and wagesA month | $5,156.67 |
| IN06Income streams ongoingDecisioning: income streams | 1 |
| IN10Next pay, largest income | 3 Sept 2026 |
| IN14Income due in the next 30 daysNext 30 days | $4,760.00 |
Expenses
| EX22All spendingA month · Decisioning: monthly outgoings | $2,913.12 |
| EX24EssentialsA month | $2,759.75 |
| EX25DiscretionaryA month | $153.37 |
Position
| PO01Surplus: regular income less all spendingA month | $2,243.55 |
| PO02Surplus as a share of regular income | 43.5% |
| PO05Lowest day-end balance, any accounton 7 June 2026 | $212.35 |
| PO06Closing balance, everyday and savings | $13,011.28 |
74 more metrics the detail behind these, each category’s spending, and each at nought
Income
| IN03Government benefitsA month | $0.00 |
| IN04Other regular incomeA month | $0.00 |
| IN05Other money inA month | $10.03 |
| IN07Income streams skipped or not ongoing | 0 |
| IN08Income creditsLast 90 days · Decisioning: income credits in the last 90 days | 8 |
| IN09IncomeLast 30 days | $4,775.08 |
| IN11Government share of regular income | 0% |
| IN12Income inferred from its rhythm aloneDecisioning: inferred income share | 0% |
| IN13Largest income arriving for | 80 days |
Responsible lending
| RL01DishonoursLast 30 days · Decisioning: dishonours in the last 30 days | 0 |
| RL02DishonoursLast 90 days · Decisioning: dishonours in the last 90 days | 0 |
| RL03DishonoursWhole period | 0 |
| RL04Late payment feesWhole period | 0 |
| RL05Days below zeroLast 30 days | 0 days |
| RL06Days below zeroLast 90 days | 0 days |
| RL07Days below zeroWhole period | 0 days |
| RL08GamblingA month | $0.00 |
| RL09GamblingLast 30 days · Decisioning: gambling in the last 30 days | $0.00 |
| RL10Gambling as a share of incomeLast 30 days · Decisioning: gambling share of income in the last 30 days | 0% |
| RL11Small-amount lenders repaidLast 90 days | 0 |
| RL12Small-amount credit repaymentsLast 90 days | 0 |
| RL13Loans and advances receivedLast 90 days | 0 |
| RL14Pay-advance repaymentsWhole period | 0 |
| RL15Payments to debt collectorsWhole period | 0 |
| RL16Buy now pay later providers | 0 |
| RL17Cash withdrawals as a share of spending | 0% |
| RL18Days since the last dishonour | — |
| RL19Repayments to credit providers dishonouredWhole period | 0 |
| RL20Cash withdrawalsLast 30 days | $0.00 |
| RL21Cash withdrawn within 3 days of payA month | $0.00 |
| RL22Cash withdrawn within 3 days of pay, as a share of that payWhole period | 0% |
| RL23Overdrawn feesLast 30 days · Decisioning: overdrawn fees in the last 30 days | 0 |
| RL24Overdrawn feesLast 90 days · Decisioning: overdrawn fees in the last 90 days | 0 |
| RL25Overdrawn feesWhole period | 0 |
| RL26Gambling as a share of incomeWhole period | 0% |
| RL27Cash withdrawn within 5 days of income, as a share of incomeWhole period | 0% |
| RL28External transfers out, as a share of incomeWhole period | 0% |
| RL29Cash withdrawals and external transfers out, as a share of incomeWhole period | 0% |
Liabilities
| LI01Loan repaymentA month | $0.00 |
| LI02Credit card paymentA month | $0.00 |
| LI03Buy now pay laterA month | $0.00 |
| LI04Mortgage repaymentA month | $0.00 |
| LI05RentA month | $0.00 |
| LI06Child support paidA month | $0.00 |
| LI07All regular commitmentsA month · Decisioning: monthly commitments | $0.00 |
| LI08Credit providers being repaid | 0 |
| LI09Repayments due in the next 30 daysNext 30 days | $0.00 |
| LI10Housing: rent and mortgageA month · Decisioning: monthly housing | $0.00 |
Expenses
| EX01GroceriesA month | $722.53 |
| EX02UtilitiesA month | $154.32 |
| EX03Phone and internetA month | $86.15 |
| EX04InsuranceA month | $199.05 |
| EX05Transport and fuelA month | $145.00 |
| EX06HealthA month | $0.00 |
| EX07Education and childcareA month | $0.00 |
| EX08Strata and body corporateA month | $0.00 |
| EX09Tax, rates and government chargesA month | $0.00 |
| EX10Bank fees and interestA month | $0.00 |
| EX11Eating out and takeawayA month | $130.07 |
| EX12ShoppingA month | $0.00 |
| EX13Entertainment and subscriptionsA month | $23.30 |
| EX14TravelA month | $0.00 |
| EX15Cash withdrawalA month | $0.00 |
| EX16External transfers out, not counted in spendingA month | $0.00 |
| EX17Not categorisedA month | $0.00 |
| EX20Living expensesA month | $1,307.05 |
| EX21Eating out, shopping, entertainment and travelA month | $153.37 |
| EX23Commitments: loans, cards, buy now pay later, mortgage and child supportA month | $0.00 |
Position
| PO03Net cash flowA month | $1,921.23 |
| PO04Average day-end balance | $10,331.29 |
| PO07Available balance | $13,011.28 |
| PO08Days the statement covers | 90 days |
| PO09Spending categorised | 100% |
| PO10Lowest day-end balance, everyday and savings togetheron 7 June 2026 | $7,032.35 |
Conduct
Dishonours
| RL01Last 30 days | 0 |
| RL02Last 90 days | 0 |
| RL03Whole period | 0 |
| RL19Of a repayment | 0 |
Below zero
| RL05Days, last 30 | 0 days |
| RL06Days, last 90 | 0 days |
| RL07Days, whole period | 0 days |
| RL25Overdrawn fees, whole period | 0 |
Gambling and fees
| RL09Gambling, 30 days | $0.00 |
| RL08Gambling, a month | $0.00 |
| RL04Late payment fees | 0 |
By account
| Account | Dishonours30 · 90 · period | Days below zero30 · 90 · period | Overdrawn fees30 · 90 · period | Median day-end | Lowest day-end |
|---|---|---|---|---|---|
| A1Everyday Account | 0 · 0 · 0 | 0 · 0 · 0 | 0 · 0 · 0 | $2,528.86 | $212.357 June |
| A2Bonus Saver | 0 · 0 · 0 | 0 · 0 · 0 | 0 · 0 · 0 | $7,834.62 | $5,820.001 June |
Spending, a month
| Commitments | Essentials | Discretionary | Risk | Cash | All monthly spending |
|---|---|---|---|---|---|
| $0.000% | $2,759.7594.7% | $153.375.3% | $0.000% | $0.000% | $2,913.12100% |
Spending by category, as a chart
- Essentials
- Discretionary
Categories
Income and loans first: each source and each provider in a line, its calendar under it and its transactions behind a click. Then every category, opening onto the parties paid or paying, and each party onto its transactions, newest first.
Income
Each source of income in a line, with what came and what did not under it; open one for its transactions. Only ongoing income is counted as regular income (IN01$5,156.67 a month).
ACME LOGISTICS PAYROLLSalary or wages · Fortnightly, Thursdays · A1 $2,380.00usual, steady $5,156.67a month, counted $4,760.00$14,280.00 in 90 $14,280.006 credits 20 Augnext 3 Sept ✓Ongoing
| 20 Aug 2026 | after 14 days | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,200.00 |
| 6 Aug 2026 | after 14 days | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,560.00 |
| 23 July 2026 | after 14 days | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,440.00 |
| 9 July 2026 | after 14 days | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,320.00 |
| 25 June 2026 | after 14 days | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,200.00 |
| 11 June 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL | A1 | $2,560.00 |
BONUS INTERESTOther income · Irregular · A2 $14.85median Not counted$10.03 averaged $15.08$29.70 in 90 $29.702 credits 31 July29 days ago ~Unlikely
| 31 July 2026 | after 31 days | BONUS INTEREST | A2 | $15.08 |
| 30 June 2026 | BONUS INTEREST | A2 | $14.62 |
- Came
- Due and did not come
Loans and credit
No repayments to a lender, a card or a buy now pay later provider, and no loan received.
Essentials
Rent2 transactions · 1 party$4,300.00out$1,452.70a month49.9%of spending
PartyCountTotalA monthAverage
RENT HARCOURTS ELSTERNWICK1 July – 2 Aug · last 27 days ago2$4,300.00out$1,452.70a month$2,150.00$2,150.00 in 30 days
| 2 Aug 2026 | after 32 days | RENT HARCOURTS ELSTERNWICK REF 88210 | A1 | −$2,150.00 |
| 1 July 2026 | RENT HARCOURTS ELSTERNWICK REF 88210 | A1 | −$2,150.00 |
Groceries13 transactions · 1 party$2,138.70out$722.53a month24.8%of spending
PartyCountTotalA monthAverage
Woolworths5 June – 28 Aug · weekly, Fridays · last 1 day ago13$2,138.70out$722.53a month$164.52$839.50 in 30 days
Insurance3 transactions · 1 party$589.20out$199.05a month6.8%of spending
PartyCountTotalA monthAverage
Medibank20 June – 20 Aug · monthly, around day 20 · last 9 days ago3$589.20out$199.05a month$196.40$196.40 in 30 days
| 20 Aug 2026 | after 31 days | MEDIBANK PRIVATE LTD | A1 | −$196.40 |
| 20 July 2026 | after 30 days | MEDIBANK PRIVATE LTD | A1 | −$196.40 |
| 20 June 2026 | MEDIBANK PRIVATE LTD | A1 | −$196.40 |
Utilities3 transactions · 1 party$456.80out$154.32a month5.3%of spending
PartyCountTotalA monthAverage
AGL11 June – 11 Aug · monthly, around day 11 · last 18 days ago3$456.80out$154.32a month$152.27$165.60 in 30 days
| 11 Aug 2026 | after 31 days | AGL ENERGY LTD DIRECT DEBIT | A1 | −$165.60 |
| 11 July 2026 | after 30 days | AGL ENERGY LTD DIRECT DEBIT | A1 | −$205.60 |
| 11 June 2026 | AGL ENERGY LTD DIRECT DEBIT | A1 | −$85.60 |
Transport and fuel6 transactions · 1 party$429.20out$145.00a month5%of spending
PartyCountTotalA monthAverage
BP7 June – 21 Aug · fortnightly · last 8 days ago6$429.20out$145.00a month$71.53$116.40 in 30 days
| 21 Aug 2026 | after 15 days | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$48.20 |
| 6 Aug 2026 | after 15 days | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$68.20 |
| 22 July 2026 | after 15 days | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$88.20 |
| 7 July 2026 | after 15 days | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$108.20 |
| 22 June 2026 | after 15 days | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$48.20 |
| 7 June 2026 | BP CONNECT ELSTERNWICK VIC AUS | A1 | −$68.20 |
Phone and internet3 transactions · 1 party$255.00out$86.15a month3%of spending
PartyCountTotalA monthAverage
Telstra17 June – 17 Aug · monthly, around day 17 · last 12 days ago3$255.00out$86.15a month$85.00$85.00 in 30 days
| 17 Aug 2026 | after 31 days | TELSTRA CORP LIMITED BPAY 4412 | A1 | −$85.00 |
| 17 July 2026 | after 30 days | TELSTRA CORP LIMITED BPAY 4412 | A1 | −$85.00 |
| 17 June 2026 | TELSTRA CORP LIMITED BPAY 4412 | A1 | −$85.00 |
Discretionary
Eating out and takeaway10 transactions · 1 party$385.00out$130.07a month4.5%of spending
PartyCountTotalA monthAverage
Uber Eats6 June – 26 Aug · weekly · last 3 days ago10$385.00out$130.07a month$38.50$102.00 in 30 days
| 26 Aug 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$19.00 |
| 17 Aug 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$34.00 |
| 8 Aug 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$49.00 |
| 30 July 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$64.00 |
| 21 July 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$19.00 |
| 12 July 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$34.00 |
| 3 July 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$49.00 |
| 24 June 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$64.00 |
| 15 June 2026 | after 9 days | UBER EATS SYDNEY AU 12/03 | A1 | −$19.00 |
| 6 June 2026 | UBER EATS SYDNEY AU 12/03 | A1 | −$34.00 |
Entertainment and subscriptions3 transactions · 1 party$68.97out$23.30a month0.8%of spending
PartyCountTotalA monthAverage
Netflix13 June – 13 Aug · monthly, around day 13 · last 16 days ago3$68.97out$23.30a month$22.99$22.99 in 30 days
| 13 Aug 2026 | after 31 days | NETFLIX.COM SYDNEY AU | A1 | −$22.99 |
| 13 July 2026 | after 30 days | NETFLIX.COM SYDNEY AU | A1 | −$22.99 |
| 13 June 2026 | NETFLIX.COM SYDNEY AU | A1 | −$22.99 |
Transfers
Between own accounts8 transactions · 2 parties$3,250.00out, $3,250.00 in$1,097.97a month—of spending
PartyCountTotalA monthAverage
Bonus Saver (A2)5 June – 31 July · fortnightly, Fridays · last 29 days ago4$3,000.00out, $250.00 in$1,013.51a month$687.50$1,000.00 in 30 days
| 31 July 2026 | after 11 days | TRANSFER TO BONUS SAVER 4821 | A1 | −$1,000.00 |
| 20 July 2026 | after 17 days | TRANSFER FROM BONUS SAVER 4821 | A1 | $250.00 |
| 3 July 2026 | after 28 days | TRANSFER TO BONUS SAVER 4821 | A1 | −$1,000.00 |
| 5 June 2026 | TRANSFER TO BONUS SAVER 4821 | A1 | −$1,000.00 |
Everyday Account (A1)5 June – 31 July · fortnightly, Fridays · last 29 days ago4$250.00out, $3,000.00 in$84.46a month$687.50$1,000.00 in 30 days
| 31 July 2026 | after 11 days | TRANSFER FROM EVERYDAY 3307 | A2 | $1,000.00 |
| 20 July 2026 | after 17 days | TRANSFER TO EVERYDAY 3307 | A2 | −$250.00 |
| 3 July 2026 | after 28 days | TRANSFER FROM EVERYDAY 3307 | A2 | $1,000.00 |
| 5 June 2026 | TRANSFER FROM EVERYDAY 3307 | A2 | $1,000.00 |
A1Everyday Account
Transaction accountBSB 000-000Account xxxx3307AUDSoleHeld by Alex Citizen
- Opening balance
- $1,504.451 June 2026
- Money in
- $14,530.007 credits
- Money out
- $11,622.8746 debits
- Closing balance
- $4,411.5829 Aug 2026
- Available
- $4,411.58at 30 Aug 2026, 9:12 am AEST
- Opening balance plus the transactions comes to the closing balance
- 53 of 53 printed balances agree with the transactions
- No stretch without a transaction longer than 5 days
- Never below zero at the end of a day
| 29 Aug 2026 | Closing balance | $4,411.58 | ||
| August 2026 | ||||
| 28 Aug 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$189.90 | $4,411.58 | |
| 26 Aug 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$19.00 | $4,601.48 | |
| 21 Aug 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$48.20 | $4,620.48 | |
| 21 Aug 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$244.90 | $4,668.68 | |
| 20 Aug 2026 | MEDIBANK PRIVATE LTDInsurance | −$196.40 | $4,913.58 | |
| 20 Aug 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,200.00 | $5,109.98 | |
| 17 Aug 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$34.00 | $2,909.98 | |
| 17 Aug 2026 | TELSTRA CORP LIMITED BPAY 4412Phone and internet | −$85.00 | $2,943.98 | |
| 14 Aug 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$79.90 | $3,028.98 | |
| 13 Aug 2026 | NETFLIX.COM SYDNEY AUEntertainment and subscriptions | −$22.99 | $3,108.88 | |
| 11 Aug 2026 | AGL ENERGY LTD DIRECT DEBITUtilities | −$165.60 | $3,131.87 | |
| 8 Aug 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$49.00 | $3,297.47 | |
| 7 Aug 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$134.90 | $3,346.47 | |
| 6 Aug 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$68.20 | $3,481.37 | |
| 6 Aug 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,560.00 | $3,549.57 | |
| 2 Aug 2026 | RENT HARCOURTS ELSTERNWICK REF 88210Rent | −$2,150.00 | $989.57 | |
| July 2026 | ||||
| 31 July 2026 | TRANSFER TO BONUS SAVER 4821Between own accounts | −$1,000.00 | $3,139.57 | |
| 31 July 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$189.90 | $4,139.57 | |
| 30 July 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$64.00 | $4,329.47 | |
| 24 July 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$244.90 | $4,393.47 | |
| 23 July 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,440.00 | $4,638.37 | |
| 22 July 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$88.20 | $2,198.37 | |
| 21 July 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$19.00 | $2,286.57 | |
| 20 July 2026 | TRANSFER FROM BONUS SAVER 4821Between own accounts | $250.00 | $2,305.57 | |
| 20 July 2026 | MEDIBANK PRIVATE LTDInsurance | −$196.40 | $2,055.57 | |
| 17 July 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$79.90 | $2,251.97 | |
| 17 July 2026 | TELSTRA CORP LIMITED BPAY 4412Phone and internet | −$85.00 | $2,331.87 | |
| 13 July 2026 | NETFLIX.COM SYDNEY AUEntertainment and subscriptions | −$22.99 | $2,416.87 | |
| 12 July 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$34.00 | $2,439.86 | |
| 11 July 2026 | AGL ENERGY LTD DIRECT DEBITUtilities | −$205.60 | $2,473.86 | |
| 10 July 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$134.90 | $2,679.46 | |
| 9 July 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,320.00 | $2,814.36 | |
| 7 July 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$108.20 | $494.36 | |
| 3 July 2026 | TRANSFER TO BONUS SAVER 4821Between own accounts | −$1,000.00 | $602.56 | |
| 3 July 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$49.00 | $1,602.56 | |
| 3 July 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$189.90 | $1,651.56 | |
| 1 July 2026 | RENT HARCOURTS ELSTERNWICK REF 88210Rent | −$2,150.00 | $1,841.46 | |
| June 2026 | ||||
| 26 June 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$244.90 | $3,991.46 | |
| 25 June 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,200.00 | $4,236.36 | |
| 24 June 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$64.00 | $2,036.36 | |
| 22 June 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$48.20 | $2,100.36 | |
| 20 June 2026 | MEDIBANK PRIVATE LTDInsurance | −$196.40 | $2,148.56 | |
| 19 June 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$79.90 | $2,344.96 | |
| 17 June 2026 | TELSTRA CORP LIMITED BPAY 4412Phone and internet | −$85.00 | $2,424.86 | |
| 15 June 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$19.00 | $2,509.86 | |
| 13 June 2026 | NETFLIX.COM SYDNEY AUEntertainment and subscriptions | −$22.99 | $2,528.86 | |
| 12 June 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$134.90 | $2,551.85 | |
| 11 June 2026 | AGL ENERGY LTD DIRECT DEBITUtilities | −$85.60 | $2,686.75 | |
| 11 June 2026 | DIRECT CREDIT 049211 ACME LOGISTICS PAYROLLSalary or wages | $2,560.00 | $2,772.35 | |
| 7 June 2026 | BP CONNECT ELSTERNWICK VIC AUSTransport and fuel | −$68.20 | $212.35 | |
| 6 June 2026 | UBER EATS SYDNEY AU 12/03Eating out and takeaway | −$34.00 | $280.55 | |
| 5 June 2026 | TRANSFER TO BONUS SAVER 4821Between own accounts | −$1,000.00 | $314.55 | |
| 5 June 2026 | WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412Groceries | −$189.90 | $1,314.55 | |
| No transaction here matches. | ||||
| 1 June 2026 | Opening balance | $1,504.45 | ||
A2Bonus Saver
Savings accountBSB 000-000Account xxxx4821AUDSoleHeld by Alex Citizen
- Opening balance
- $5,820.001 June 2026
- Money in
- $3,029.705 credits
- Money out
- $250.001 debit
- Closing balance
- $8,599.7029 Aug 2026
- Available
- $8,599.70at 30 Aug 2026, 9:12 am AEST
- Opening balance plus the transactions comes to the closing balance
- 6 of 6 printed balances agree with the transactions
- 29 days without a transaction, 1 Aug 2026 to 29 Aug 2026
- Never below zero at the end of a day
| 29 Aug 2026 | Closing balance | $8,599.70 | ||
| July 2026 | ||||
| 31 July 2026 | BONUS INTERESTOther income | $15.08 | $8,599.70 | |
| 31 July 2026 | TRANSFER FROM EVERYDAY 3307Between own accounts | $1,000.00 | $8,584.62 | |
| 20 July 2026 | TRANSFER TO EVERYDAY 3307Between own accounts | −$250.00 | $7,584.62 | |
| 3 July 2026 | TRANSFER FROM EVERYDAY 3307Between own accounts | $1,000.00 | $7,834.62 | |
| June 2026 | ||||
| 30 June 2026 | BONUS INTERESTOther income | $14.62 | $6,834.62 | |
| 5 June 2026 | TRANSFER FROM EVERYDAY 3307Between own accounts | $1,000.00 | $6,820.00 | |
| No transaction here matches. | ||||
| 1 June 2026 | Opening balance | $5,820.00 | ||
About this statement
Not a statement issued by the bank. Creditcrest made it for Example Lending from the data described here, in the Creditcrest bank statement standard, version 1.1. The seal shows whether it has changed since; it cannot show that what the bank or the file said was true.
- How the data came
- Invented, to show the standard. Nobody’s data.
- Balances
- Each balance is as the bank or its export gave it.
- Categories
- Creditcrest’s reading of each line, not the bank’s (setting balanced). A line without one was not read surely enough to say.
- Analysis
- Creditcrest’s, from the same reading, as at 29 Aug 2026: counts, sums and dates the transactions show, not a decision. Income is regular only while it keeps its rhythm.
- Essential or discretionary
- Creditcrest’s split: eating out, shopping, entertainment, travel and donations and charity counted as discretionary, the rest of the household’s spending as essential.
- Statement
- bs_example_connection · reference EL-2026-0042 · made 30 Aug 2026, 9:12 am AEST
- Fingerprint
- d7dfa370b67caec4d2984cede3870ee00bbf24ab1064707dee522ea697c30ba1
- Seal
- HMAC-SHA256 with the published sandbox key, which proves nothing. Check it at app.creditcresttechnologies.com.au/bank-statement/verify.