Creditcrest Enrich

Raw bank descriptions in; categories and payees out, each with its reason.

Part of Creditcrest Statement, in Creditcrest Decisioning Suite.

Every match has a reason.

A category and a payee for every transaction, with the rule that matched.

What you do here. Paste a list of transactions and get a category and payee for each, with the rule that matched.

Enrich transactions Try it end to end Take the tour

You bring: A list of transactions
You get: Category, third party, confidence, and the rule that matched
Holds the line: An unknown payee is flagged, never guessed

The fourth matches no rule and is returned uncategorised, not guessed.

An invented example

The same invented six-month statement the statement reader opens on, so the coverage figures have something the size of a real file to be measured over. Nothing below is anybody's data.

101 transactions, read

From a whole invented statement, which is invented. Engine 1.0.0, 201 rules from the AU merchant list. Read under the Balanced setting: The rules, the bank’s merchant code where a connection sent one, a register of Australian places, and a modelled reading where it keeps its category at 95% precision or better.

Category, by money: 100.0%
Category, by row: 100.0%
Third party, by money: 41.0%
Third party, by row: 81.0%

Coverage by money and coverage by row are two different questions and neither stands in for the other. One unrecognised two-thousand-dollar payment is a whole commitment missing from an assessment; forty unrecognised coffees are not.

How sure it is, and why

Band	Rows	Share	Money	Confidence	What it means
named	82 rows	81.0%	$8,881	99.0%	A rule matched the merchant’s name in the description.
kind	19 rows	19.0%	$43,660	99.0%	A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee.

The confidence on each band is measured rather than asserted: what it gets right shows the run it comes from, the corpora it was run over, and the categories it is weakest at.

Every transaction, and why

Open any row for the rule and the words that matched it. A prediction whose reason cannot be read is not evidence.

Date	Description	Amount	Category	Third party	Confidence
5 Mar 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,200.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
19 Mar 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,320.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
2 Apr 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,440.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
16 Apr 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,560.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
30 Apr 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,200.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
14 May 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,320.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
28 May 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,440.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
11 June 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,560.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
25 June 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,200.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
9 July 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,320.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
23 July 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,440.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
6 Aug 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,560.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
20 Aug 2026	DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL	$2,200.00	Salary or wages	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 86 in models/merchants/au.txt — it assigns `income_salary` and applies only to money in The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
1 Mar 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
1 Apr 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
2 May 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
31 May 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
1 July 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
2 Aug 2026	RENT HARCOURTS ELSTERNWICK REF 88210	−$2,150.00	Rent	unknown	kind
Why this, and how sure A rule matched a word for a kind of business inside a name this has never seen. It puts the money on the right line and it does not identify the payee. Confidence 99.0% in the category. 185 of the 185 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 92 in models/merchants/au.txt — it assigns `housing_rent` and applies only to money out The words that matched name a KIND of business rather than a business, so the money is on a line and the payee is still unknown.
12 Mar 2026	AGL ENERGY LTD DIRECT DEBIT	−$205.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
11 Apr 2026	AGL ENERGY LTD DIRECT DEBIT	−$165.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
11 May 2026	AGL ENERGY LTD DIRECT DEBIT	−$125.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
11 June 2026	AGL ENERGY LTD DIRECT DEBIT	−$85.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
11 July 2026	AGL ENERGY LTD DIRECT DEBIT	−$205.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
11 Aug 2026	AGL ENERGY LTD DIRECT DEBIT	−$165.60	Utilities	AGL `AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 47 in models/merchants/au.txt — it assigns `utilities`
18 Mar 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
17 Apr 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
17 May 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
17 June 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
17 July 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
17 Aug 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	Telstra `TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 94 in models/merchants/au.txt — it assigns `telco`
6 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
13 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
20 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
27 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
3 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
10 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
17 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
24 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
1 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
8 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
15 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
22 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
29 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
5 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
12 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
19 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
26 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
3 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
10 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
17 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
24 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
31 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
7 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
14 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
21 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
28 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	Woolworths `WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 101 in models/merchants/au.txt — it assigns `groceries`
9 Mar 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
24 Mar 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
8 Apr 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
23 Apr 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
8 May 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
23 May 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
7 June 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
22 June 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
7 July 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
22 July 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
6 Aug 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
21 Aug 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	BP `BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 105 in models/merchants/au.txt — it assigns `transport`
14 Mar 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
13 Apr 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
13 May 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
13 June 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
13 July 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
13 Aug 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	Netflix `NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 117 in models/merchants/au.txt — it assigns `entertainment`
21 Mar 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
20 Apr 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
20 May 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
20 June 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
20 July 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
20 Aug 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	Medibank `MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 112 in models/merchants/au.txt — it assigns `insurance`
8 Mar 2026	UBER EATS SYDNEY AU 12/03	−$64.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
17 Mar 2026	UBER EATS SYDNEY AU 12/03	−$49.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
26 Mar 2026	UBER EATS SYDNEY AU 12/03	−$34.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
4 Apr 2026	UBER EATS SYDNEY AU 12/03	−$19.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
13 Apr 2026	UBER EATS SYDNEY AU 12/03	−$64.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
22 Apr 2026	UBER EATS SYDNEY AU 12/03	−$49.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
1 May 2026	UBER EATS SYDNEY AU 12/03	−$34.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
10 May 2026	UBER EATS SYDNEY AU 12/03	−$19.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
19 May 2026	UBER EATS SYDNEY AU 12/03	−$64.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
28 May 2026	UBER EATS SYDNEY AU 12/03	−$49.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
6 June 2026	UBER EATS SYDNEY AU 12/03	−$34.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
15 June 2026	UBER EATS SYDNEY AU 12/03	−$19.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
24 June 2026	UBER EATS SYDNEY AU 12/03	−$64.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
3 July 2026	UBER EATS SYDNEY AU 12/03	−$49.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
12 July 2026	UBER EATS SYDNEY AU 12/03	−$34.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
21 July 2026	UBER EATS SYDNEY AU 12/03	−$19.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
30 July 2026	UBER EATS SYDNEY AU 12/03	−$64.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
8 Aug 2026	UBER EATS SYDNEY AU 12/03	−$49.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
17 Aug 2026	UBER EATS SYDNEY AU 12/03	−$34.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`
26 Aug 2026	UBER EATS SYDNEY AU 12/03	−$19.00	Eating out and takeaway	Uber Eats `UBER EATS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 499 of the 499 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 5 November 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 102 in models/merchants/au.txt — it assigns `dining`

What it does not know

Nothing on this list. Every row was read, which on a real statement is unusual enough to be worth checking rather than celebrating — it is what an invented example looks like.

What went where

Category	Group	Rows	Money	Third party named
Salary or wages	income	13	$30,760	0.0%
Rent	essential	6	$12,900	0.0%
Groceries	essential	26	$4,332	100.0%
Insurance	essential	6	$1,178	100.0%
Utilities	essential	6	$954	100.0%
Transport and fuel	essential	12	$938	100.0%
Eating out and takeaway	discretionary	20	$830	100.0%
Phone and internet	essential	6	$510	100.0%
Entertainment and subscriptions	discretionary	6	$138	100.0%

Money is the absolute value of every row in the category, so a credit counts as money moved rather than as a negative expense. The category groups are the ones a serviceability calculation distinguishes between, which is why there is no line for restaurants separate from takeaway.

The transactions

One a line: a description and an amount, separated by a comma or a tab. Credits positive, debits negative. A CSV a bank exported reads too — the layout is worked out from the data. Up to 20,000 rows in one go.

Or a file

A PDF statement, a CSV, an Excel workbook, or an OFX or QIF file. Four megabytes, which is a great many years of transactions. It is read in this request and kept nowhere.

Setting

Strict: The rules alone. Every answer is a name or a kind of business a rule read. Balanced: The rules, the bank’s merchant code where a connection sent one, a register of Australian places, and a modelled reading where it keeps its category at 95% precision or better. Broad: More answers. The bank’s merchant code where a connection sent one, a register of Australian places, and a modelled reading where it keeps its category at 90% precision or better. Complete: Every line gets a category. Read as broad reads, and where nothing read a line, the model’s best guess, marked as one: money out as a spending line, money in as a transfer. Never income, a commitment or gambling on a guess, and not held to a precision floor.

Show me the mixed example Show me a whole invented statement

Nothing is kept: what you paste is read, then gone

What happens to what you paste. It is read while the request is open and then it is gone. Nothing is written to disk, nothing is written to a log, nothing is put in a database — there is no database here to put it in. The transactions travel in the request body rather than the address bar, so this reading has no link, which means there is no link to leak.

The cost of that is honest too. Reload and the reading is gone, and the form re-sends what you gave it from your own browser, because there is nothing on this end to refer back to.

No account, no email address and no tracking cookie; visits are counted without one. Nothing here calls a hosted model: the rules are a text file in this repository and the whole prediction happens in this process.