Pre-launch

Creditcrest Enrich

Transactions in; the category, the third party, and how confident it is and why.

Paste a list of transactions and get back, for each one, the category, the third party, and how confident it is and why — with the rule and the words that matched. Where it does not recognise a payee it says unknown, which is the honest answer and is the one an analyst can act on.

It predicts; it does not decide. Whoever holds the credit licence decides. Creditcrest Statement is this same reading turned into income, commitments and expenses, and it calls exactly this.

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, 59 rules from the AU merchant list.

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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL Normalised DIRECT CREDIT ACME LOGISTICS PAYROLL Words matched `PAYROLL` Direction money in Rule rule 32 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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. 88 of the 89 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given RENT HARCOURTS ELSTERNWICK REF 88210 Normalised RENT HARCOURTS ELSTERNWICK Words matched `RENT` Direction money out Rule rule 34 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
11 Apr 2026	AGL ENERGY LTD DIRECT DEBIT	−$165.60	Utilities	`AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
11 May 2026	AGL ENERGY LTD DIRECT DEBIT	−$125.60	Utilities	`AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
11 June 2026	AGL ENERGY LTD DIRECT DEBIT	−$85.60	Utilities	`AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
11 July 2026	AGL ENERGY LTD DIRECT DEBIT	−$205.60	Utilities	`AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
11 Aug 2026	AGL ENERGY LTD DIRECT DEBIT	−$165.60	Utilities	`AGL`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given AGL ENERGY LTD DIRECT DEBIT Normalised AGL ENERGY LTD DIRECT DEBIT Words matched `AGL` Direction money out Rule rule 3 in models/merchants/au.txt — it assigns `utilities`
18 Mar 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
17 Apr 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
17 May 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
17 June 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
17 July 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
17 Aug 2026	TELSTRA CORP LIMITED BPAY 4412	−$85.00	Phone and internet	`TELSTRA`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given TELSTRA CORP LIMITED BPAY 4412 Normalised TELSTRA CORP LIMITED BPAY Words matched `TELSTRA` Direction money out Rule rule 35 in models/merchants/au.txt — it assigns `telco`
6 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
13 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
20 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
27 Mar 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
3 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
10 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
17 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
24 Apr 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
1 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
8 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
15 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
22 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
29 May 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
5 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
12 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
19 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
26 June 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
3 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
10 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
17 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
24 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
31 July 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
7 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$134.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
14 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$79.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
21 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$244.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
28 Aug 2026	WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412	−$189.90	Groceries	`WOOLWORTHS`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412 Normalised WOOLWORTHS ELSTERNWICK VIC AUS Words matched `WOOLWORTHS` Direction money out Rule rule 38 in models/merchants/au.txt — it assigns `groceries`
9 Mar 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
24 Mar 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
8 Apr 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
23 Apr 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
8 May 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
23 May 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
7 June 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
22 June 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
7 July 2026	BP CONNECT ELSTERNWICK VIC AUS	−$108.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
22 July 2026	BP CONNECT ELSTERNWICK VIC AUS	−$88.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
6 Aug 2026	BP CONNECT ELSTERNWICK VIC AUS	−$68.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
21 Aug 2026	BP CONNECT ELSTERNWICK VIC AUS	−$48.20	Transport and fuel	`BP`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given BP CONNECT ELSTERNWICK VIC AUS Normalised BP CONNECT ELSTERNWICK VIC AUS Words matched `BP` Direction money out Rule rule 39 in models/merchants/au.txt — it assigns `transport`
14 Mar 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
13 Apr 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
13 May 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
13 June 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
13 July 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
13 Aug 2026	NETFLIX.COM SYDNEY AU	−$22.99	Entertainment and subscriptions	`NETFLIX`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given NETFLIX.COM SYDNEY AU Normalised NETFLIX COM SYDNEY AU Words matched `NETFLIX` Direction money out Rule rule 44 in models/merchants/au.txt — it assigns `entertainment`
21 Mar 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 in models/merchants/au.txt — it assigns `insurance`
20 Apr 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 in models/merchants/au.txt — it assigns `insurance`
20 May 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 in models/merchants/au.txt — it assigns `insurance`
20 June 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 in models/merchants/au.txt — it assigns `insurance`
20 July 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 in models/merchants/au.txt — it assigns `insurance`
20 Aug 2026	MEDIBANK PRIVATE LTD	−$196.40	Insurance	`MEDIBANK`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given MEDIBANK PRIVATE LTD Normalised MEDIBANK PRIVATE LTD Words matched `MEDIBANK` Direction money out Rule rule 40 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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`	named
Why this, and how sure A rule matched the merchant’s name in the description. Confidence 99.0% in the category. 226 of the 227 predictions this band made landed on an acceptable category when the rules were run over payee lists nobody here chose, on 20 September 2026. As given UBER EATS SYDNEY AU 12/03 Normalised UBER EATS SYDNEY AU Words matched `UBER EATS` Direction money out Rule rule 43 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.

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, no cookie, no analytics, and nothing on this page is fetched from anywhere. Nothing here calls a hosted model: the rules are a text file in this repository and the whole prediction happens in this process.