Creditcrest Statement
17 Nov 2025 to 30 Jan 2026 · bs_example_file
- Account holder
- Not stated
- Period
- 17 Nov 2025 to 30 Jan 202675 days
- Source
- Statement fileSent to Creditcrest 30 Aug 2026, 9:12 am AEST
- Bank
- Not stated
At a glance
As at 30 Jan 2026, over 75 days: where a month’s regular income goes. Each figure’s reference is in Decision metrics. ✓No red flags
| IN01Regular incomeOngoing income only | $6,530.05a month |
|---|---|
| EX23CommitmentsLoans, cards and buy now pay later | None |
| EX24EssentialsRent and living expenses | −$2,142.4132.8% of income |
| EX25DiscretionaryEating out, shopping, entertainment, travel and donations and charity | −$1,697.0826% of income |
| RL08RiskGambling | None |
| EX15CashCash withdrawals | −$146.342.2% of income |
| EX17Not knownSpending not categorised | −$1,045.5916% of income |
| PO01✓SurplusRegular income less all spending | $1,498.6322.9% of income |
- Of income
- RL26Gambling 0%
- RL27Cash within 5 days of income 2%
- RL28External transfers 0%
- RL29Cash and external transfers 2%
Accounts
| Account | Opening | Money in | Money out | Closing | Median day-end | Lowest day-end |
|---|---|---|---|---|---|---|
| A1AccountWagesAccount | 1,843.27 | 18,176.54 | 13,427.30 | 6,592.51 | 3,570.77 | 1,221.9117 Dec |
Balance at the end of each day
Swipe the chart for the whole period.
- Account $6,592.51
- 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 | $6,530.05 |
| IN02Salary and wagesA month | $6,530.05 |
| IN06Income streams ongoingDecisioning: income streams | 1 |
| IN10Next pay, largest income | 12 Feb 2026 |
| IN14Income due in the next 30 daysNext 30 days | $6,027.74 |
Responsible lending
| RL20Cash withdrawalsLast 30 days | $360.00 |
| RL22Cash withdrawn within 3 days of pay, as a share of that payWhole period | 2% |
| RL27Cash withdrawn within 5 days of income, as a share of incomeWhole period | 2% |
| RL29Cash withdrawals and external transfers out, as a share of incomeWhole period | 2% |
Expenses
| EX22All spendingA month · Decisioning: monthly outgoings | $5,031.42 |
| EX24EssentialsA month | $2,142.41 |
| EX25DiscretionaryA month | $1,697.08 |
Position
| PO01Surplus: regular income less all spendingA month | $1,498.63 |
| PO02Surplus as a share of regular income | 23% |
| PO05Lowest day-end balance, any accounton 17 Dec 2025 | $1,221.91 |
| PO06Closing balance, everyday and savings | $6,592.51 |
70 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 | $74.22 |
| IN07Income streams skipped or not ongoing | 0 |
| IN08Income creditsLast 90 days · Decisioning: income credits in the last 90 days | 6 |
| IN09IncomeLast 30 days | $9,097.34 |
| IN11Government share of regular income | 0% |
| IN12Income inferred from its rhythm aloneDecisioning: inferred income share | 0% |
| IN13Largest income arriving for | 72 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 | 2.9% |
| RL18Days since the last dishonour | — |
| RL19Repayments to credit providers dishonouredWhole period | 0 |
| RL21Cash withdrawn within 3 days of payA month | $146.34 |
| 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% |
| RL28External transfers out, as a share of incomeWhole period | 0% |
Liabilities
| LI01Loan repaymentA month | $0.00 |
| LI02Credit card paymentA month | $0.00 |
Liabilities continued
| 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 | $593.68 |
| EX02UtilitiesA month | $0.00 |
| EX03Phone and internetA month | $0.00 |
| EX04InsuranceA month | $0.00 |
| EX05Transport and fuelA month | $0.00 |
| EX06HealthA month | $201.17 |
| 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 | $6.10 |
| EX11Eating out and takeawayA month | $1,089.65 |
| EX12ShoppingA month | $493.80 |
| EX13Entertainment and subscriptionsA month | $113.63 |
| EX14TravelA month | $0.00 |
| EX15Cash withdrawalA month | $146.34 |
| EX16External transfers out, not counted in spendingA month | $0.00 |
| EX17Not categorisedA month | $1,045.59 |
| EX20Living expensesA month | $800.95 |
| EX21Eating out, shopping, entertainment and travelA month | $1,697.08 |
| EX23Commitments: loans, cards, buy now pay later, mortgage and child supportA month | $0.00 |
Position
| PO03Net cash flowA month | $2,357.41 |
| PO04Average day-end balance | $3,621.07 |
| PO07Available balance | — |
| PO08Days the statement covers | 75 days |
| PO09Spending categorised | 79% |
| PO10Lowest day-end balance, everyday and savings togetheron 17 Dec 2025 | $1,221.91 |
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 |
|---|---|---|---|---|---|
| A1Account | 0 · 0 · 0 | 0 · 0 · 0 | 0 · 0 · 0 | $3,570.77 | $1,221.9117 Dec |
Spending, a month
| Commitments | Essentials | Discretionary | Risk | Cash | Not known | All monthly spending |
|---|---|---|---|---|---|---|
| $0.000% | $2,142.4142.6% | $1,697.0833.7% | $0.000% | $146.342.9% | $1,045.5920.8% | $5,031.42100% |
Spending by category, as a chart
- Essentials
- Discretionary
- Cash
- Not known
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$6,530.05 a month).
SALARY NORTHWIND LOGISTICSSalary or wages · Fortnightly, Thursdays · A1 $3,013.87usual, steady $6,530.05a month, counted $9,097.34$17,993.96 in 90 $17,993.966 credits 29 Jannext 12 Feb ✓Ongoing
| 29 Jan 2026 | after 14 days | Salary Northwind Logistics | A1 | $3,138.20 |
| 15 Jan 2026 | after 14 days | Salary Northwind Logistics | A1 | $3,133.31 |
| 1 Jan 2026 | after 14 days | Salary Northwind Logistics | A1 | $2,825.83 |
| 18 Dec 2025 | after 14 days | Salary Northwind Logistics | A1 | $3,101.41 |
| 4 Dec 2025 | after 14 days | Salary Northwind Logistics | A1 | $2,868.88 |
| 20 Nov 2025 | Salary Northwind Logistics | A1 | $2,926.33 |
- 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$3,300.00out$1,341.46a month26.7%of spending
PartyCountTotalA monthAverage
RENT OAKWOOD PROPERTY1 Dec – 1 Jan · last 29 days ago2$3,300.00out$1,341.46a month$1,650.00$1,650.00 in 30 days
| 1 Jan 2026 | after 31 days | Rent payment Oakwood Property | A1 | −$1,650.00 |
| 1 Dec 2025 | Rent payment Oakwood Property | A1 | −$1,650.00 |
Groceries11 transactions · 5 parties$1,460.45out$593.68a month11.8%of spending
PartyCountTotalA monthAverage
FRESH FIELDS SUPERMARKET19 Nov – 21 Jan · last 9 days ago5$1,199.95out$487.78a month$239.99$65.90 in 30 days
| 21 Jan 2026 | after 35 days | Fresh Fields Supermarket Bayside Card xx9970 Value Date 20/01/2026 | A1 | −$65.90 |
| 17 Dec 2025 | after 5 days | Fresh Fields Supermarket Bayside | A1 | −$728.14 |
| 12 Dec 2025 | after 10 days | Fresh Fields Supermarket Hillcrest | A1 | −$87.28 |
| 2 Dec 2025 | after 13 days | Fresh Fields Supermarket Bayside Card xx4751 Value Date 01/12/2025 | A1 | −$9.32 |
| 19 Nov 2025 | Fresh Fields Supermarket Bayside | A1 | −$309.31 |
CORNER GROCER RIVERTON20 Nov – 6 Dec · last 55 days ago2$139.24out$56.60a month$69.62$0.00 in 30 days
| 6 Dec 2025 | after 16 days | Corner Grocer Riverton Card xx4107 Value Date 05/12/2025 | A1 | −$80.47 |
| 20 Nov 2025 | Corner Grocer Riverton Card xx7126 Value Date 19/11/2025 | A1 | −$58.77 |
CORNER GROCER LAKEVIEW19 Nov – 3 Dec · last 58 days ago2$54.40out$22.11a month$27.20$0.00 in 30 days
| 3 Dec 2025 | after 14 days | Corner Grocer Lakeview | A1 | −$24.35 |
| 19 Nov 2025 | Corner Grocer Lakeview | A1 | −$30.05 |
CORNER GROCER BAYSIDE16 Jan – 16 Jan · last 14 days ago1$41.37out$16.82a month$41.37$41.37 in 30 days
| 16 Jan 2026 | Corner Grocer Bayside | A1 | −$41.37 |
CORNER GROCER SPRINGFIELD26 Dec – 26 Dec · last 35 days ago1$25.49out$10.36a month$25.49$0.00 in 30 days
| 26 Dec 2025 | Corner Grocer Springfield | A1 | −$25.49 |
Health9 transactions · 7 parties$494.89out, $15.05 in$201.17a month4%of spending
PartyCountTotalA monthAverage
SUNRISE DENTAL HILLCREST10 Dec – 28 Dec · last 33 days ago2$121.42out$49.36a month$60.71$0.00 in 30 days
| 28 Dec 2025 | after 18 days | Sunrise Dental Hillcrest Card xx9691 Value Date 27/12/2025 | A1 | −$42.37 |
| 10 Dec 2025 | Sunrise Dental Hillcrest Card xx9135 Value Date 09/12/2025 | A1 | −$79.05 |
SUNRISE DENTAL LAKEVIEW23 Nov – 23 Nov · last 68 days ago1$96.96out$39.41a month$96.96$0.00 in 30 days
| 23 Nov 2025 | Sunrise Dental Lakeview | A1 | −$96.96 |
SUNRISE DENTAL BAYSIDE20 Jan – 20 Jan · last 10 days ago1$89.62out$36.43a month$89.62$89.62 in 30 days
| 20 Jan 2026 | Sunrise Dental Bayside | A1 | −$89.62 |
CITY PHARMACY SPRINGFIELD26 Dec – 3 Jan · last 27 days ago2$88.37out$35.92a month$44.18$32.33 in 30 days
| 3 Jan 2026 | after 8 days | City Pharmacy Springfield | A1 | −$32.33 |
| 26 Dec 2025 | City Pharmacy Springfield | A1 | −$56.04 |
SUNRISE DENTAL RIVERTON19 Jan – 19 Jan · last 11 days ago1$73.35out$29.82a month$73.35$73.35 in 30 days
| 19 Jan 2026 | Sunrise Dental Riverton Card xx6350 Value Date 18/01/2026 | A1 | −$73.35 |
SUNRISE DENTAL SPRINGFIELD11 Jan – 11 Jan · last 19 days ago1$25.17out$10.23a month$25.17$25.17 in 30 days
| 11 Jan 2026 | Sunrise Dental Springfield Card xx2262 Value Date 10/01/2026 | A1 | −$25.17 |
REFUND CITY PHARMACY12 Jan – 12 Jan · last 18 days ago1$15.05in$6.12a month$15.05$15.05 in 30 days
| 12 Jan 2026 | Refund City Pharmacy | A1 | $15.05 |
Bank fees and interest3 transactions · 1 party$15.00out$6.10a month0.1%of spending
PartyCountTotalA monthAverage
MONTHLY ACCOUNT FEE21 Nov – 16 Jan · last 14 days ago3$15.00out$6.10a month$5.00$10.00 in 30 days
| 16 Jan 2026 | after 13 days | Monthly account fee | A1 | −$5.00 |
| 3 Jan 2026 | after 43 days | Monthly account fee | A1 | −$5.00 |
| 21 Nov 2025 | Monthly account fee | A1 | −$5.00 |
Discretionary
Eating out and takeaway26 transactions · 10 parties$2,680.55out$1,089.65a month21.7%of spending
PartyCountTotalA monthAverage
QUICK BITE TAKEAWAY5 Dec – 14 Jan · last 16 days ago6$597.77out$243.00a month$99.63$56.65 in 30 days
| 14 Jan 2026 | after 11 days | Quick Bite Takeaway Bayside | A1 | −$10.20 |
| 3 Jan 2026 | after 5 days | Quick Bite Takeaway Lakeview Card xx8412 Value Date 02/01/2026 | A1 | −$46.45 |
| 29 Dec 2025 | after 10 days | Quick Bite Takeaway Bayside | A1 | −$95.17 |
| 19 Dec 2025 | after 11 days | Quick Bite Takeaway Lakeview Card xx1744 Value Date 18/12/2025 | A1 | −$29.41 |
| 8 Dec 2025 | after 3 days | Quick Bite Takeaway Hillcrest Card xx6759 Value Date 07/12/2025 | A1 | −$82.24 |
| 5 Dec 2025 | Quick Bite Takeaway Springfield | A1 | −$334.30 |
RIVERSIDE BAKERY SPRINGFIELD23 Nov – 7 Jan · last 23 days ago2$592.95out$241.04a month$296.48$552.77 in 30 days
| 7 Jan 2026 | after 45 days | Riverside Bakery Springfield | A1 | −$552.77 |
| 23 Nov 2025 | Riverside Bakery Springfield | A1 | −$40.18 |
GOLDEN WOK RESTAURANT4 Dec – 6 Jan · last 24 days ago5$456.16out$185.43a month$91.23$84.19 in 30 days
| 6 Jan 2026 | after 4 days | Golden Wok Restaurant Lakeview Card xx9666 Value Date 05/01/2026 | A1 | −$33.67 |
| 2 Jan 2026 | after 8 days | Golden Wok Restaurant Springfield | A1 | −$50.52 |
| 25 Dec 2025 | after 4 days | Golden Wok Restaurant Hillcrest Card xx8467 Value Date 24/12/2025 | A1 | −$38.05 |
| 21 Dec 2025 | after 17 days | Golden Wok Restaurant Bayside Card xx1533 Value Date 20/12/2025 | A1 | −$320.82 |
| 4 Dec 2025 | Golden Wok Restaurant Springfield Card xx6573 Value Date 03/12/2025 | A1 | −$13.10 |
RIVERSIDE BAKERY LAKEVIEW29 Jan – 29 Jan · last 1 day ago1$308.35out$125.35a month$308.35$308.35 in 30 days
| 29 Jan 2026 | Riverside Bakery Lakeview | A1 | −$308.35 |
RIVERSIDE BAKERY RIVERTON20 Nov – 23 Jan · last 7 days ago2$305.71out$124.27a month$152.85$68.78 in 30 days
| 23 Jan 2026 | after 64 days | Riverside Bakery Riverton | A1 | −$68.78 |
| 20 Nov 2025 | Riverside Bakery Riverton Card xx1246 Value Date 19/11/2025 | A1 | −$236.93 |
RIVERSIDE BAKERY HILLCREST30 Nov – 15 Jan · last 15 days ago3$143.24out$58.23a month$47.75$27.53 in 30 days
| 15 Jan 2026 | after 27 days | Riverside Bakery Hillcrest | A1 | −$27.53 |
| 19 Dec 2025 | after 19 days | Riverside Bakery Hillcrest Card xx9445 Value Date 18/12/2025 | A1 | −$88.71 |
| 30 Nov 2025 | Riverside Bakery Hillcrest Card xx4634 Value Date 29/11/2025 | A1 | −$27.00 |
HARBOUR CAFE RIVERTON21 Dec – 29 Jan · last 1 day ago3$141.26out$57.42a month$47.09$128.09 in 30 days
| 29 Jan 2026 | after 15 days | Harbour Cafe Riverton Card xx7360 Value Date 28/01/2026 | A1 | −$50.20 |
| 14 Jan 2026 | after 24 days | Harbour Cafe Riverton Card xx2278 Value Date 13/01/2026 | A1 | −$77.89 |
| 21 Dec 2025 | Harbour Cafe Riverton | A1 | −$13.17 |
RIVERSIDE BAKERY BAYSIDE23 Nov – 25 Jan · last 5 days ago2$61.44out$24.98a month$30.72$42.53 in 30 days
| 25 Jan 2026 | after 63 days | Riverside Bakery Bayside Card xx7970 Value Date 24/01/2026 | A1 | −$42.53 |
| 23 Nov 2025 | Riverside Bakery Bayside Card xx8099 Value Date 22/11/2025 | A1 | −$18.91 |
HARBOUR CAFE LAKEVIEW23 Dec – 23 Dec · last 38 days ago1$38.87out$15.80a month$38.87$0.00 in 30 days
| 23 Dec 2025 | Harbour Cafe Lakeview | A1 | −$38.87 |
HARBOUR CAFE HILLCREST10 Dec – 10 Dec · last 51 days ago1$34.80out$14.15a month$34.80$0.00 in 30 days
| 10 Dec 2025 | Harbour Cafe Hillcrest | A1 | −$34.80 |
Shopping14 transactions · 5 parties$1,214.74out$493.80a month9.8%of spending
PartyCountTotalA monthAverage
HOMETOWN HARDWARE SPRINGFIELD10 Jan – 26 Jan · last 4 days ago2$710.16out$288.68a month$355.08$710.16 in 30 days
| 26 Jan 2026 | after 16 days | Hometown Hardware Springfield | A1 | −$613.08 |
| 10 Jan 2026 | Hometown Hardware Springfield | A1 | −$97.08 |
URBAN THREADS CLOTHING21 Nov – 20 Jan · last 10 days ago7$281.94out$114.61a month$40.28$130.08 in 30 days
| 20 Jan 2026 | after 4 days | Urban Threads Clothing Riverton | A1 | −$56.07 |
| 16 Jan 2026 | after 4 days | Urban Threads Clothing Lakeview | A1 | −$37.43 |
| 12 Jan 2026 | after 12 days | Urban Threads Clothing Lakeview | A1 | −$36.58 |
| 31 Dec 2025 | after 7 days | Urban Threads Clothing Riverton Card xx5110 Value Date 30/12/2025 | A1 | −$64.19 |
| 24 Dec 2025 | after 21 days | Urban Threads Clothing Springfield | A1 | −$60.02 |
| 3 Dec 2025 | after 12 days | Urban Threads Clothing Lakeview | A1 | −$16.46 |
| 21 Nov 2025 | Urban Threads Clothing Lakeview | A1 | −$11.19 |
HOMETOWN HARDWARE LAKEVIEW22 Nov – 26 Nov · last 65 days ago2$79.63out$32.37a month$39.81$0.00 in 30 days
| 26 Nov 2025 | after 4 days | Hometown Hardware Lakeview | A1 | −$9.00 |
| 22 Nov 2025 | Hometown Hardware Lakeview Card xx7924 Value Date 21/11/2025 | A1 | −$70.63 |
HOMETOWN HARDWARE BAYSIDE7 Dec – 12 Dec · last 49 days ago2$79.57out$32.35a month$39.78$0.00 in 30 days
| 12 Dec 2025 | after 5 days | Hometown Hardware Bayside | A1 | −$6.97 |
| 7 Dec 2025 | Hometown Hardware Bayside | A1 | −$72.60 |
LAKESIDE BOOKS SPRINGFIELD30 Jan – 30 Jan · last 0 days ago1$63.44out$25.79a month$63.44$63.44 in 30 days
| 30 Jan 2026 | Lakeside Books Springfield Card xx6532 Value Date 29/01/2026 | A1 | −$63.44 |
Entertainment and subscriptions5 transactions · 5 parties$279.52out$113.63a month2.3%of spending
PartyCountTotalA monthAverage
PARKWAY CINEMA HILLCREST10 Dec – 10 Dec · last 51 days ago1$93.94out$38.19a month$93.94$0.00 in 30 days
| 10 Dec 2025 | Parkway Cinema Hillcrest Card xx2397 Value Date 09/12/2025 | A1 | −$93.94 |
NORTHSIDE GYM HILLCREST28 Jan – 28 Jan · last 2 days ago1$62.51out$25.41a month$62.51$62.51 in 30 days
| 28 Jan 2026 | Northside Gym Hillcrest Card xx1495 Value Date 27/01/2026 | A1 | −$62.51 |
PARKWAY CINEMA RIVERTON26 Nov – 26 Nov · last 65 days ago1$59.01out$23.99a month$59.01$0.00 in 30 days
| 26 Nov 2025 | Parkway Cinema Riverton | A1 | −$59.01 |
PARKWAY CINEMA BAYSIDE5 Dec – 5 Dec · last 56 days ago1$51.11out$20.78a month$51.11$0.00 in 30 days
| 5 Dec 2025 | Parkway Cinema Bayside | A1 | −$51.11 |
NORTHSIDE GYM RIVERTON13 Jan – 13 Jan · last 17 days ago1$12.95out$5.26a month$12.95$12.95 in 30 days
| 13 Jan 2026 | Northside Gym Riverton Card xx9969 Value Date 12/01/2026 | A1 | −$12.95 |
Cash
Cash withdrawal2 transactions · 1 party$360.00out$146.34a month2.9%of spending
PartyCountTotalA monthAverage
ATM WITHDRAWAL MAIN1 Jan – 15 Jan · last 15 days ago2$360.00out$146.34a month$180.00$360.00 in 30 days
| 15 Jan 2026 | after 14 days | ATM Withdrawal Main St | A1 | −$160.00 |
| 1 Jan 2026 | ATM Withdrawal Main St | A1 | −$200.00 |
Not known
Not categorised31 transactions · 18 parties$2,572.15out, $167.53 in$1,045.59a month20.8%of spending
PartyCountTotalA monthAverage
SWIFT RIDESHARE RIVERTON6 Dec – 6 Dec · last 55 days ago1$748.17out$304.13a month$748.17$0.00 in 30 days
| 6 Dec 2025 | Swift Rideshare Riverton | A1 | −$748.17 |
Energy21 Nov – 14 Dec · last 47 days ago2$418.89out$170.28a month$209.44$0.00 in 30 days
| 14 Dec 2025 | after 23 days | Bright Energy Co Bayside | A1 | −$348.05 |
| 21 Nov 2025 | Bright Energy Co Springfield | A1 | −$70.84 |
GREEN LEAF MARKET18 Dec – 26 Jan · last 4 days ago5$353.89out$143.86a month$70.78$251.87 in 30 days
| 26 Jan 2026 | same day | Green Leaf Market Hillcrest | A1 | −$70.42 |
| 26 Jan 2026 | after 20 days | Green Leaf Market Hillcrest Card xx7552 Value Date 25/01/2026 | A1 | −$86.45 |
| 6 Jan 2026 | after 14 days | Green Leaf Market Bayside | A1 | −$95.00 |
| 23 Dec 2025 | after 5 days | Green Leaf Market Hillcrest Card xx5432 Value Date 22/12/2025 | A1 | −$58.89 |
| 18 Dec 2025 | Green Leaf Market Springfield | A1 | −$43.13 |
BLUE SKY SPRINGFIELD5 Dec – 30 Jan · last 0 days ago3$243.95out$99.17a month$81.32$54.53 in 30 days
| 30 Jan 2026 | after 7 days | Blue Sky Mobile Springfield | A1 | −$45.72 |
| 23 Jan 2026 | after 49 days | Blue Sky Mobile Springfield | A1 | −$8.81 |
| 5 Dec 2025 | Blue Sky Mobile Springfield Card xx9427 Value Date 04/12/2025 | A1 | −$189.42 |
COASTAL WATER SERVICES10 Jan – 24 Jan · last 6 days ago3$207.08out$84.18a month$69.03$207.08 in 30 days
| 24 Jan 2026 | after 13 days | Coastal Water Services Bayside | A1 | −$74.80 |
| 11 Jan 2026 | after 1 day | Coastal Water Services Hillcrest | A1 | −$65.62 |
| 10 Jan 2026 | Coastal Water Services Hillcrest Card xx6211 Value Date 09/01/2026 | A1 | −$66.66 |
SWIFT RIDESHARE BAYSIDE26 Nov – 16 Jan · last 14 days ago3$161.56out$65.67a month$53.85$50.58 in 30 days
| 16 Jan 2026 | after 38 days | Swift Rideshare Bayside | A1 | −$50.58 |
| 9 Dec 2025 | after 13 days | Swift Rideshare Bayside | A1 | −$31.17 |
| 26 Nov 2025 | Swift Rideshare Bayside Card xx2934 Value Date 25/11/2025 | A1 | −$79.81 |
SWIFT RIDESHARE SPRINGFIELD24 Jan – 25 Jan · last 5 days ago2$97.67out$39.70a month$48.83$97.67 in 30 days
| 25 Jan 2026 | after 1 day | Swift Rideshare Springfield Card xx6237 Value Date 24/01/2026 | A1 | −$63.33 |
| 24 Jan 2026 | Swift Rideshare Springfield | A1 | −$34.34 |
MAPLE STREET BAR20 Jan – 20 Jan · last 10 days ago1$96.00out$39.02a month$96.00$96.00 in 30 days
| 20 Jan 2026 | Maple Street Bar Springfield | A1 | −$96.00 |
SWIFT RIDESHARE HILLCREST18 Dec – 18 Dec · last 43 days ago1$84.90out$34.51a month$84.90$0.00 in 30 days
| 18 Dec 2025 | Swift Rideshare Hillcrest | A1 | −$84.90 |
BLUE SKY HILLCREST28 Dec – 28 Dec · last 33 days ago1$80.86out$32.87a month$80.86$0.00 in 30 days
| 28 Dec 2025 | Blue Sky Mobile Hillcrest Card xx9612 Value Date 27/12/2025 | A1 | −$80.86 |
REFUND QUICK BITE1 Dec – 1 Dec · last 60 days ago1$50.74in$20.63a month$50.74$0.00 in 30 days
| 1 Dec 2025 | Refund Quick Bite Takeaway | A1 | $50.74 |
BLUE SKY LAKEVIEW29 Jan – 29 Jan · last 1 day ago1$50.53out$20.54a month$50.53$50.53 in 30 days
| 29 Jan 2026 | Blue Sky Mobile Lakeview | A1 | −$50.53 |
REFUND URBAN THREADS21 Dec – 21 Dec · last 40 days ago1$37.92in$15.41a month$37.92$0.00 in 30 days
| 21 Dec 2025 | Refund Urban Threads Clothing | A1 | $37.92 |
REFUND NORTHSIDE GYM30 Jan – 30 Jan · last 0 days ago1$34.71in$14.11a month$34.71$34.71 in 30 days
| 30 Jan 2026 | Refund Northside Gym | A1 | $34.71 |
REFUND FRESH FIELDS17 Nov – 17 Nov · last 74 days ago1$31.67in$12.87a month$31.67$0.00 in 30 days
| 17 Nov 2025 | Refund Fresh Fields Supermarket | A1 | $31.67 |
SWIFT RIDESHARE LAKEVIEW25 Nov – 24 Dec · last 37 days ago2$21.44out$8.72a month$10.72$0.00 in 30 days
| 24 Dec 2025 | after 29 days | Swift Rideshare Lakeview Card xx3663 Value Date 23/12/2025 | A1 | −$14.50 |
| 25 Nov 2025 | Swift Rideshare Lakeview Card xx5073 Value Date 24/11/2025 | A1 | −$6.94 |
REFUND HOMETOWN HARDWARE19 Nov – 19 Nov · last 72 days ago1$12.49in$5.08a month$12.49$0.00 in 30 days
| 19 Nov 2025 | Refund Hometown Hardware | A1 | $12.49 |
BLUE SKY RIVERTON10 Jan – 10 Jan · last 20 days ago1$7.21out$2.93a month$7.21$7.21 in 30 days
| 10 Jan 2026 | Blue Sky Mobile Riverton | A1 | −$7.21 |
Transfers
Other transfersto or from accounts not on this statement · 3 transactions · 1 party$1,050.00out$426.83a month—of spending
PartyCountTotalA monthAverage
SAVINGS23 Nov – 20 Jan · last 10 days ago3$1,050.00out$426.83a month$350.00$350.00 in 30 days
| 20 Jan 2026 | after 48 days | Transfer to Savings 88231 | A1 | −$350.00 |
| 3 Dec 2025 | after 10 days | Transfer to Savings 88231 | A1 | −$550.00 |
| 23 Nov 2025 | Transfer to Savings 88231 | A1 | −$150.00 |
A1Account
AccountAccount number not statedCurrency not stated
- Opening balance
- 1,843.2717 Nov 2025
- Money in
- 18,176.5412 credits
- Money out
- 13,427.30100 debits
- Closing balance
- 6,592.5130 Jan 2026
- Lowest balance
- 1,221.91on 17 Dec 2025
- Opening balance plus the transactions comes to the closing balance
- 112 of 112 printed balances agree with the transactions
- No stretch without a transaction longer than 3 days
- Never below zero at the end of a day
| 30 Jan 2026 | Closing balance | 6,592.51 | ||
| January 2026 | ||||
| 30 Jan 2026 | Refund Northside GymNot categorised | 34.71 | 6,592.51 | |
| 30 Jan 2026 | Blue Sky Mobile SpringfieldNot categorised | −45.72 | 6,557.80 | |
| 30 Jan 2026 | Lakeside Books Springfield Card xx6532 Value Date 29/01/2026Shopping | −63.44 | 6,603.52 | |
| 29 Jan 2026 | Blue Sky Mobile LakeviewNot categorised | −50.53 | 6,666.96 | |
| 29 Jan 2026 | Harbour Cafe Riverton Card xx7360 Value Date 28/01/2026Eating out and takeaway | −50.20 | 6,717.49 | |
| 29 Jan 2026 | Riverside Bakery LakeviewEating out and takeaway | −308.35 | 6,767.69 | |
| 29 Jan 2026 | Salary Northwind LogisticsSalary or wages | 3,138.20 | 7,076.04 | |
| 28 Jan 2026 | Northside Gym Hillcrest Card xx1495 Value Date 27/01/2026Entertainment and subscriptions | −62.51 | 3,937.84 | |
| 26 Jan 2026 | Hometown Hardware SpringfieldShopping | −613.08 | 4,000.35 | |
| 26 Jan 2026 | Green Leaf Market HillcrestNot categorised | −70.42 | 4,613.43 | |
| 26 Jan 2026 | Green Leaf Market Hillcrest Card xx7552 Value Date 25/01/2026Not categorised | −86.45 | 4,683.85 | |
| 25 Jan 2026 | Swift Rideshare Springfield Card xx6237 Value Date 24/01/2026Not categorised | −63.33 | 4,770.30 | |
| 25 Jan 2026 | Riverside Bakery Bayside Card xx7970 Value Date 24/01/2026Eating out and takeaway | −42.53 | 4,833.63 | |
| 24 Jan 2026 | Coastal Water Services BaysideNot categorised | −74.80 | 4,876.16 | |
| 24 Jan 2026 | Swift Rideshare SpringfieldNot categorised | −34.34 | 4,950.96 | |
| 23 Jan 2026 | Blue Sky Mobile SpringfieldNot categorised | −8.81 | 4,985.30 | |
| 23 Jan 2026 | Riverside Bakery RivertonEating out and takeaway | −68.78 | 4,994.11 | |
| 21 Jan 2026 | Fresh Fields Supermarket Bayside Card xx9970 Value Date 20/01/2026Groceries | −65.90 | 5,062.89 | |
| 20 Jan 2026 | Transfer to Savings 88231Other transfer | −350.00 | 5,128.79 | |
| 20 Jan 2026 | Sunrise Dental BaysideHealth | −89.62 | 5,478.79 | |
| 20 Jan 2026 | Urban Threads Clothing RivertonShopping | −56.07 | 5,568.41 | |
| 20 Jan 2026 | Maple Street Bar SpringfieldNot categorised | −96.00 | 5,624.48 | |
| 19 Jan 2026 | Sunrise Dental Riverton Card xx6350 Value Date 18/01/2026Health | −73.35 | 5,720.48 | |
| 16 Jan 2026 | Monthly account feeBank fees and interest | −5.00 | 5,793.83 | |
| 16 Jan 2026 | Urban Threads Clothing LakeviewShopping | −37.43 | 5,798.83 | |
| 16 Jan 2026 | Swift Rideshare BaysideNot categorised | −50.58 | 5,836.26 | |
| 16 Jan 2026 | Corner Grocer BaysideGroceries | −41.37 | 5,886.84 | |
| 15 Jan 2026 | ATM Withdrawal Main StCash withdrawal | −160.00 | 5,928.21 | |
| 15 Jan 2026 | Riverside Bakery HillcrestEating out and takeaway | −27.53 | 6,088.21 | |
| 15 Jan 2026 | Salary Northwind LogisticsSalary or wages | 3,133.31 | 6,115.74 | |
| 14 Jan 2026 | Harbour Cafe Riverton Card xx2278 Value Date 13/01/2026Eating out and takeaway | −77.89 | 2,982.43 | |
| 14 Jan 2026 | Quick Bite Takeaway BaysideEating out and takeaway | −10.20 | 3,060.32 | |
| 13 Jan 2026 | Northside Gym Riverton Card xx9969 Value Date 12/01/2026Entertainment and subscriptions | −12.95 | 3,070.52 | |
| 12 Jan 2026 | Refund City PharmacyHealth | 15.05 | 3,083.47 | |
| 12 Jan 2026 | Urban Threads Clothing LakeviewShopping | −36.58 | 3,068.42 | |
| 11 Jan 2026 | Sunrise Dental Springfield Card xx2262 Value Date 10/01/2026Health | −25.17 | 3,105.00 | |
| 11 Jan 2026 | Coastal Water Services HillcrestNot categorised | −65.62 | 3,130.17 | |
| 10 Jan 2026 | Coastal Water Services Hillcrest Card xx6211 Value Date 09/01/2026Not categorised | −66.66 | 3,195.79 | |
| 10 Jan 2026 | Hometown Hardware SpringfieldShopping | −97.08 | 3,262.45 | |
| 10 Jan 2026 | Blue Sky Mobile RivertonNot categorised | −7.21 | 3,359.53 | |
| 7 Jan 2026 | Riverside Bakery SpringfieldEating out and takeaway | −552.77 | 3,366.74 | |
| 6 Jan 2026 | Golden Wok Restaurant Lakeview Card xx9666 Value Date 05/01/2026Eating out and takeaway | −33.67 | 3,919.51 | |
| 6 Jan 2026 | Green Leaf Market BaysideNot categorised | −95.00 | 3,953.18 | |
| 3 Jan 2026 | Monthly account feeBank fees and interest | −5.00 | 4,048.18 | |
| 3 Jan 2026 | Quick Bite Takeaway Lakeview Card xx8412 Value Date 02/01/2026Eating out and takeaway | −46.45 | 4,053.18 | |
| 3 Jan 2026 | City Pharmacy SpringfieldHealth | −32.33 | 4,099.63 | |
| 2 Jan 2026 | Golden Wok Restaurant SpringfieldEating out and takeaway | −50.52 | 4,131.96 | |
| 1 Jan 2026 | ATM Withdrawal Main StCash withdrawal | −200.00 | 4,182.48 | |
| 1 Jan 2026 | Rent payment Oakwood PropertyRent | −1,650.00 | 4,382.48 | |
| 1 Jan 2026 | Salary Northwind LogisticsSalary or wages | 2,825.83 | 6,032.48 | |
| December 2025 | ||||
| 31 Dec 2025 | Urban Threads Clothing Riverton Card xx5110 Value Date 30/12/2025Shopping | −64.19 | 3,206.65 | |
| 29 Dec 2025 | Quick Bite Takeaway BaysideEating out and takeaway | −95.17 | 3,270.84 | |
| 28 Dec 2025 | Blue Sky Mobile Hillcrest Card xx9612 Value Date 27/12/2025Not categorised | −80.86 | 3,366.01 | |
| 28 Dec 2025 | Sunrise Dental Hillcrest Card xx9691 Value Date 27/12/2025Health | −42.37 | 3,446.87 | |
| 26 Dec 2025 | City Pharmacy SpringfieldHealth | −56.04 | 3,489.24 | |
| 26 Dec 2025 | Corner Grocer SpringfieldGroceries | −25.49 | 3,545.28 | |
| 25 Dec 2025 | Golden Wok Restaurant Hillcrest Card xx8467 Value Date 24/12/2025Eating out and takeaway | −38.05 | 3,570.77 | |
| 24 Dec 2025 | Urban Threads Clothing SpringfieldShopping | −60.02 | 3,608.82 | |
| 24 Dec 2025 | Swift Rideshare Lakeview Card xx3663 Value Date 23/12/2025Not categorised | −14.50 | 3,668.84 | |
| 23 Dec 2025 | Harbour Cafe LakeviewEating out and takeaway | −38.87 | 3,683.34 | |
| 23 Dec 2025 | Green Leaf Market Hillcrest Card xx5432 Value Date 22/12/2025Not categorised | −58.89 | 3,722.21 | |
| 21 Dec 2025 | Refund Urban Threads ClothingNot categorised | 37.92 | 3,781.10 | |
| 21 Dec 2025 | Golden Wok Restaurant Bayside Card xx1533 Value Date 20/12/2025Eating out and takeaway | −320.82 | 3,743.18 | |
| 21 Dec 2025 | Harbour Cafe RivertonEating out and takeaway | −13.17 | 4,064.00 | |
| 19 Dec 2025 | Riverside Bakery Hillcrest Card xx9445 Value Date 18/12/2025Eating out and takeaway | −88.71 | 4,077.17 | |
| 19 Dec 2025 | Quick Bite Takeaway Lakeview Card xx1744 Value Date 18/12/2025Eating out and takeaway | −29.41 | 4,165.88 | |
| 18 Dec 2025 | Swift Rideshare HillcrestNot categorised | −84.90 | 4,195.29 | |
| 18 Dec 2025 | Green Leaf Market SpringfieldNot categorised | −43.13 | 4,280.19 | |
| 18 Dec 2025 | Salary Northwind LogisticsSalary or wages | 3,101.41 | 4,323.32 | |
| 17 Dec 2025 | Fresh Fields Supermarket BaysideGroceries | −728.14 | 1,221.91 | |
| 14 Dec 2025 | Bright Energy Co BaysideNot categorised | −348.05 | 1,950.05 | |
| 12 Dec 2025 | Fresh Fields Supermarket HillcrestGroceries | −87.28 | 2,298.10 | |
| 12 Dec 2025 | Hometown Hardware BaysideShopping | −6.97 | 2,385.38 | |
| 10 Dec 2025 | Parkway Cinema Hillcrest Card xx2397 Value Date 09/12/2025Entertainment and subscriptions | −93.94 | 2,392.35 | |
| 10 Dec 2025 | Sunrise Dental Hillcrest Card xx9135 Value Date 09/12/2025Health | −79.05 | 2,486.29 | |
| 10 Dec 2025 | Harbour Cafe HillcrestEating out and takeaway | −34.80 | 2,565.34 | |
| 9 Dec 2025 | Swift Rideshare BaysideNot categorised | −31.17 | 2,600.14 | |
| 8 Dec 2025 | Quick Bite Takeaway Hillcrest Card xx6759 Value Date 07/12/2025Eating out and takeaway | −82.24 | 2,631.31 | |
| 7 Dec 2025 | Hometown Hardware BaysideShopping | −72.60 | 2,713.55 | |
| 6 Dec 2025 | Swift Rideshare RivertonNot categorised | −748.17 | 2,786.15 | |
| 6 Dec 2025 | Corner Grocer Riverton Card xx4107 Value Date 05/12/2025Groceries | −80.47 | 3,534.32 | |
| 5 Dec 2025 | Parkway Cinema BaysideEntertainment and subscriptions | −51.11 | 3,614.79 | |
| 5 Dec 2025 | Blue Sky Mobile Springfield Card xx9427 Value Date 04/12/2025Not categorised | −189.42 | 3,665.90 | |
| 5 Dec 2025 | Quick Bite Takeaway SpringfieldEating out and takeaway | −334.30 | 3,855.32 | |
| 4 Dec 2025 | Golden Wok Restaurant Springfield Card xx6573 Value Date 03/12/2025Eating out and takeaway | −13.10 | 4,189.62 | |
| 4 Dec 2025 | Salary Northwind LogisticsSalary or wages | 2,868.88 | 4,202.72 | |
| 3 Dec 2025 | Transfer to Savings 88231Other transfer | −550.00 | 1,333.84 | |
| 3 Dec 2025 | Corner Grocer LakeviewGroceries | −24.35 | 1,883.84 | |
| 3 Dec 2025 | Urban Threads Clothing LakeviewShopping | −16.46 | 1,908.19 | |
| 2 Dec 2025 | Fresh Fields Supermarket Bayside Card xx4751 Value Date 01/12/2025Groceries | −9.32 | 1,924.65 | |
| 1 Dec 2025 | Refund Quick Bite TakeawayNot categorised | 50.74 | 1,933.97 | |
| 1 Dec 2025 | Rent payment Oakwood PropertyRent | −1,650.00 | 1,883.23 | |
| November 2025 | ||||
| 30 Nov 2025 | Riverside Bakery Hillcrest Card xx4634 Value Date 29/11/2025Eating out and takeaway | −27.00 | 3,533.23 | |
| 26 Nov 2025 | Parkway Cinema RivertonEntertainment and subscriptions | −59.01 | 3,560.23 | |
| 26 Nov 2025 | Hometown Hardware LakeviewShopping | −9.00 | 3,619.24 | |
| 26 Nov 2025 | Swift Rideshare Bayside Card xx2934 Value Date 25/11/2025Not categorised | −79.81 | 3,628.24 | |
| 25 Nov 2025 | Swift Rideshare Lakeview Card xx5073 Value Date 24/11/2025Not categorised | −6.94 | 3,708.05 | |
| 23 Nov 2025 | Transfer to Savings 88231Other transfer | −150.00 | 3,714.99 | |
| 23 Nov 2025 | Riverside Bakery Bayside Card xx8099 Value Date 22/11/2025Eating out and takeaway | −18.91 | 3,864.99 | |
| 23 Nov 2025 | Riverside Bakery SpringfieldEating out and takeaway | −40.18 | 3,883.90 | |
| 23 Nov 2025 | Sunrise Dental LakeviewHealth | −96.96 | 3,924.08 | |
| 22 Nov 2025 | Hometown Hardware Lakeview Card xx7924 Value Date 21/11/2025Shopping | −70.63 | 4,021.04 | |
| 21 Nov 2025 | Monthly account feeBank fees and interest | −5.00 | 4,091.67 | |
| 21 Nov 2025 | Bright Energy Co SpringfieldNot categorised | −70.84 | 4,096.67 | |
| 21 Nov 2025 | Urban Threads Clothing LakeviewShopping | −11.19 | 4,167.51 | |
| 20 Nov 2025 | Corner Grocer Riverton Card xx7126 Value Date 19/11/2025Groceries | −58.77 | 4,178.70 | |
| 20 Nov 2025 | Riverside Bakery Riverton Card xx1246 Value Date 19/11/2025Eating out and takeaway | −236.93 | 4,237.47 | |
| 20 Nov 2025 | Salary Northwind LogisticsSalary or wages | 2,926.33 | 4,474.40 | |
| 19 Nov 2025 | Refund Hometown HardwareNot categorised | 12.49 | 1,548.07 | |
| 19 Nov 2025 | Corner Grocer LakeviewGroceries | −30.05 | 1,535.58 | |
| 19 Nov 2025 | Fresh Fields Supermarket BaysideGroceries | −309.31 | 1,565.63 | |
| 17 Nov 2025 | Refund Fresh Fields SupermarketNot categorised | 31.67 | 1,874.94 | |
| No transaction here matches. | ||||
| 17 Nov 2025 | Opening balance | 1,843.27 | ||
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
- A statement file. It was sent to Creditcrest. Creditcrest did not fetch it from the bank.
- The file
- PDF, 3 pages, 43 KB
- The file’s SHA-256
- 1bb87d2790f9f60e18999dd2c0678a49fe257c7e225880e5bab361e24847dc62
- 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 30 Jan 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_file · reference EL-2026-0043 · made 30 Aug 2026, 9:12 am AEST
- Fingerprint
- f2b98ecb2d7f890e629098ae121415f86919f60bcfa2ba9aef6a859fa715df6d
- Seal
- HMAC-SHA256 with the published sandbox key, which proves nothing. Check it at app.creditcresttechnologies.com.au/bank-statement/verify.