{ "standard": "creditcrest/bank-statement", "version": "1.1", "id": "bs_example_borrower", "createdAt": "2026-10-28T22:40:00.000Z", "preparedFor": "Example Lending", "reference": "EL-2026-0071", "invented": true, "source": { "method": "invented", "via": "sent", "provider": null, "retrievedAt": "2026-10-28T22:40:00.000Z", "file": null }, "period": { "from": "2026-05-01", "to": "2026-10-28", "days": 181 }, "holders": [ { "name": "Sam Example", "address": "7 Sample Street, Bramblewood NSW 2999" } ], "accounts": [ { "id": "a1", "institution": "Bramble Bank", "name": "Everyday Account", "product": "Everyday Account", "kind": "transaction", "holders": [ "Sam Example" ], "ownership": "sole", "bsb": "000-000", "number": "xxxx6118", "currency": "AUD", "status": "open", "period": { "from": "2026-05-01", "to": "2026-10-28", "days": 181 }, "balanceSource": "printed", "balances": { "opening": 386.35, "closing": -646.57, "current": -646.57, "available": 0, "limit": null, "asAt": "2026-10-28T22:40:00.000Z" }, "summary": { "moneyIn": { "count": 48, "total": 26147.91 }, "moneyOut": { "count": 156, "total": -27180.83 }, "lowest": { "balance": -1358.78, "on": "2026-10-20" }, "highest": { "balance": 2521.29, "on": "2026-08-27" }, "averageDayEnd": 1119.95, "daysBelowZero": 17, "months": [ { "month": "2026-05", "days": 31, "moneyIn": 4634.16, "moneyOut": -3648.34, "closing": 1372.17 }, { "month": "2026-06", "days": 30, "moneyIn": 4204.96, "moneyOut": -4691.8, "closing": 885.33 }, { "month": "2026-07", "days": 31, "moneyIn": 4932.88, "moneyOut": -4489.33, "closing": 1328.88 }, { "month": "2026-08", "days": 31, "moneyIn": 5341.22, "moneyOut": -4686.01, "closing": 1984.09 }, { "month": "2026-09", "days": 30, "moneyIn": 3916.76, "moneyOut": -5186.68, "closing": 714.17 }, { "month": "2026-10", "days": 28, "moneyIn": 3117.93, "moneyOut": -4478.67, "closing": -646.57 } ] }, "checks": { "reconciles": true, "balanceChain": { "tested": 204, "held": 204 }, "firstTransaction": "2026-05-02", "lastTransaction": "2026-10-27", "longestGap": { "days": 3, "from": "2026-06-22", "to": "2026-06-24" }, "possibleDuplicates": 0 }, "transactions": [ { "id": "a1t1", "date": "2026-05-02", "description": "HARBOUR EVENTS SALARY", "amount": 192.41, "balance": 578.76, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t2", "date": "2026-05-03", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -92.94, "balance": 485.82, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t3", "date": "2026-05-04", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": -274.18, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t4", "date": "2026-05-05", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": 38.22, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t5", "date": "2026-05-06", "description": "AMPOL BRAMBLEWOOD", "amount": -69.54, "balance": -31.32, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t6", "date": "2026-05-07", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1326.15, "balance": 1294.83, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t7", "date": "2026-05-08", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -150, "balance": 1144.83, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t8", "date": "2026-05-08", "description": "TRANSFER TO BONUS SAVER 6120", "amount": -100, "balance": 1044.83, "category": { "code": "transfer", "label": "Transfer" }, "party": "Bonus Saver (A2)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a1t9", "date": "2026-05-09", "description": "HARBOUR EVENTS SALARY", "amount": 170.56, "balance": 1215.39, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t10", "date": "2026-05-09", "description": "NETFLIX.COM", "amount": -18.99, "balance": 1196.4, "category": { "code": "entertainment", "label": "Entertainment and subscriptions" }, "party": "Netflix" }, { "id": "a1t11", "date": "2026-05-09", "description": "UBER *EATS", "amount": -43.56, "balance": 1152.84, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t12", "date": "2026-05-10", "description": "COLES 0617 BRAMBLEWOOD", "amount": -88.24, "balance": 1064.6, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t13", "date": "2026-05-11", "description": "BRAMBLE CASH LOANS DRAWDOWN", "amount": 500, "balance": 1564.6, "category": { "code": "loan_proceeds", "label": "Loan or advance received" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t14", "date": "2026-05-12", "description": "TELSTRA PREPAID", "amount": -45, "balance": 1519.6, "category": { "code": "telco", "label": "Phone and internet" }, "party": "Telstra" }, { "id": "a1t15", "date": "2026-05-14", "description": "CHEMIST WAREHOUSE BRAMBLEWOOD", "amount": -37.94, "balance": 1481.66, "category": { "code": "health", "label": "Health" }, "party": "Chemist Warehouse" }, { "id": "a1t16", "date": "2026-05-15", "description": "CAR LOAN REPAYMENT BRAMBLE FINANCE", "amount": -412.18, "balance": 1069.48, "category": { "code": "loan_repayment", "label": "Loan repayment" } }, { "id": "a1t17", "date": "2026-05-16", "description": "HARBOUR EVENTS SALARY", "amount": 213.39, "balance": 1282.87, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t18", "date": "2026-05-16", "description": "KMART BRAMBLEWOOD", "amount": -48.63, "balance": 1234.24, "category": { "code": "shopping", "label": "Shopping" }, "party": "Kmart" }, { "id": "a1t19", "date": "2026-05-17", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -97.02, "balance": 1137.22, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t20", "date": "2026-05-18", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": 377.22, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t21", "date": "2026-05-18", "description": "AGL ENERGY", "amount": -146.64, "balance": 230.58, "category": { "code": "utilities", "label": "Utilities" }, "party": "AGL" }, { "id": "a1t22", "date": "2026-05-19", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": 542.98, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t23", "date": "2026-05-20", "description": "CREDIT CARD PAYMENT BRAMBLE", "amount": -232.51, "balance": 310.47, "category": { "code": "credit_card", "label": "Credit card payment" } }, { "id": "a1t24", "date": "2026-05-20", "description": "AMPOL BRAMBLEWOOD", "amount": -57.85, "balance": 252.62, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t25", "date": "2026-05-21", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1205.09, "balance": 1457.71, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t26", "date": "2026-05-22", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -132.5, "balance": 1325.21, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t27", "date": "2026-05-23", "description": "HARBOUR EVENTS SALARY", "amount": 196.5, "balance": 1521.71, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t28", "date": "2026-05-24", "description": "COLES 0617 BRAMBLEWOOD", "amount": -137.4, "balance": 1384.31, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t29", "date": "2026-05-25", "description": "YOUI INSURANCE", "amount": -96.4, "balance": 1287.91, "category": { "code": "insurance", "label": "Insurance" } }, { "id": "a1t30", "date": "2026-05-28", "description": "UBER *EATS", "amount": -27.41, "balance": 1260.5, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t31", "date": "2026-05-30", "description": "HARBOUR EVENTS SALARY", "amount": 205.26, "balance": 1465.76, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t32", "date": "2026-05-31", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -93.59, "balance": 1372.17, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t33", "date": "2026-06-01", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": 612.17, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t34", "date": "2026-06-02", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": 924.57, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t35", "date": "2026-06-03", "description": "HARBOUR DEBT RECOVERY", "amount": -50, "balance": 874.57, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "debt_collector", "label": "A debt collector or debt buyer" } }, { "id": "a1t36", "date": "2026-06-03", "description": "AMPOL BRAMBLEWOOD", "amount": -66.51, "balance": 808.06, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t37", "date": "2026-06-04", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1227.19, "balance": 2035.25, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t38", "date": "2026-06-05", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -132.5, "balance": 1902.75, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t39", "date": "2026-06-05", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -100, "balance": 1802.75, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t40", "date": "2026-06-05", "description": "TRANSFER TO BONUS SAVER 6120", "amount": -200, "balance": 1602.75, "category": { "code": "transfer", "label": "Transfer" }, "party": "Bonus Saver (A2)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a1t41", "date": "2026-06-06", "description": "HARBOUR EVENTS SALARY", "amount": 168.89, "balance": 1771.64, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t42", "date": "2026-06-07", "description": "COLES 0617 BRAMBLEWOOD", "amount": -146.2, "balance": 1625.44, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t43", "date": "2026-06-09", "description": "NETFLIX.COM", "amount": -18.99, "balance": 1606.45, "category": { "code": "entertainment", "label": "Entertainment and subscriptions" }, "party": "Netflix" }, { "id": "a1t44", "date": "2026-06-12", "description": "TELSTRA PREPAID", "amount": -45, "balance": 1561.45, "category": { "code": "telco", "label": "Phone and internet" }, "party": "Telstra" }, { "id": "a1t45", "date": "2026-06-13", "description": "HARBOUR EVENTS SALARY", "amount": 214.07, "balance": 1775.52, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t46", "date": "2026-06-14", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -96.06, "balance": 1679.46, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t47", "date": "2026-06-15", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": 919.46, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t48", "date": "2026-06-16", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": 1231.86, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t49", "date": "2026-06-16", "description": "DISHONOUR FEE", "amount": -9.5, "balance": 1222.36, "category": { "code": "fees", "label": "Bank fees and interest" }, "detail": { "code": "dishonour", "label": "A dishonoured payment" } }, { "id": "a1t50", "date": "2026-06-16", "description": "UBER *EATS", "amount": -41.88, "balance": 1180.48, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t51", "date": "2026-06-16", "description": "CHEMIST WAREHOUSE BRAMBLEWOOD", "amount": -22.83, "balance": 1157.65, "category": { "code": "health", "label": "Health" }, "party": "Chemist Warehouse" }, { "id": "a1t52", "date": "2026-06-17", "description": "AMPOL BRAMBLEWOOD", "amount": -61.87, "balance": 1095.78, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t53", "date": "2026-06-18", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1307.67, "balance": 2403.45, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t54", "date": "2026-06-18", "description": "AGL ENERGY", "amount": -129.79, "balance": 2273.66, "category": { "code": "utilities", "label": "Utilities" }, "party": "AGL" }, { "id": "a1t55", "date": "2026-06-19", "description": "CAR LOAN REPAYMENT BRAMBLE FINANCE", "amount": -412.18, "balance": 1861.48, "category": { "code": "loan_repayment", "label": "Loan repayment" } }, { "id": "a1t56", "date": "2026-06-19", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -132.5, "balance": 1728.98, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t57", "date": "2026-06-20", "description": "HARBOUR EVENTS SALARY", "amount": 179.28, "balance": 1908.26, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t58", "date": "2026-06-20", "description": "CREDIT CARD PAYMENT BRAMBLE", "amount": -386.84, "balance": 1521.42, "category": { "code": "credit_card", "label": "Credit card payment" } }, { "id": "a1t59", "date": "2026-06-21", "description": "COLES 0617 BRAMBLEWOOD", "amount": -100.86, "balance": 1420.56, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t60", "date": "2026-06-25", "description": "YOUI INSURANCE", "amount": -96.4, "balance": 1324.16, "category": { "code": "insurance", "label": "Insurance" } }, { "id": "a1t61", "date": "2026-06-26", "description": "KMART BRAMBLEWOOD", "amount": -24.2, "balance": 1299.96, "category": { "code": "shopping", "label": "Shopping" }, "party": "Kmart" }, { "id": "a1t62", "date": "2026-06-27", "description": "HARBOUR EVENTS SALARY", "amount": 170.66, "balance": 1470.62, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t63", "date": "2026-06-27", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -50, "balance": 1420.62, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t64", "date": "2026-06-28", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -87.69, "balance": 1332.93, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t65", "date": "2026-06-29", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": 572.93, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t66", "date": "2026-06-30", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": 885.33, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t67", "date": "2026-07-01", "description": "AMPOL BRAMBLEWOOD", "amount": -66.63, "balance": 818.7, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t68", "date": "2026-07-02", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1229.52, "balance": 2048.22, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t69", "date": "2026-07-03", "description": "HARBOUR DEBT RECOVERY", "amount": -50, "balance": 1998.22, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "debt_collector", "label": "A debt collector or debt buyer" } }, { "id": "a1t70", "date": "2026-07-03", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -132.5, "balance": 1865.72, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t71", "date": "2026-07-03", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -100, "balance": 1765.72, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t72", "date": "2026-07-03", "description": "TRANSFER TO BONUS SAVER 6120", "amount": -200, "balance": 1565.72, "category": { "code": "transfer", "label": "Transfer" }, "party": "Bonus Saver (A2)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a1t73", "date": "2026-07-04", "description": "HARBOUR EVENTS SALARY", "amount": 187.09, "balance": 1752.81, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t74", "date": "2026-07-05", "description": "COLES 0617 BRAMBLEWOOD", "amount": -138.71, "balance": 1614.1, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t75", "date": "2026-07-05", "description": "UBER *EATS", "amount": -35.02, "balance": 1579.08, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t76", "date": "2026-07-09", "description": "NETFLIX.COM", "amount": -18.99, "balance": 1560.09, "category": { "code": "entertainment", "label": "Entertainment and subscriptions" }, "party": "Netflix" }, { "id": "a1t77", "date": "2026-07-11", "description": "HARBOUR EVENTS SALARY", "amount": 184.03, "balance": 1744.12, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t78", "date": "2026-07-11", "description": "BETTING 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"code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "dishonour", "label": "A dishonoured payment" } }, { "id": "a1t167", "date": "2026-09-26", "description": "TRANSFER FROM BONUS SAVER 6120", "amount": 250, "balance": 763.21, "category": { "code": "transfer", "label": "Transfer" }, "party": "Bonus Saver (A2)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a1t168", "date": "2026-09-26", "description": "DISHONOUR FEE", "amount": -9.5, "balance": 753.71, "category": { "code": "fees", "label": "Bank fees and interest" }, "detail": { "code": "dishonour", "label": "A dishonoured payment" } }, { "id": "a1t169", "date": "2026-09-27", "description": "COLES 0617 BRAMBLEWOOD", "amount": -124.54, "balance": 629.17, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t170", "date": "2026-09-28", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -165, "balance": 464.17, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t171", "date": "2026-09-30", "description": "HARBOUR PAY ADVANCE", "amount": 250, "balance": 714.17, "category": { "code": "loan_proceeds", "label": "Loan or advance received" }, "detail": { "code": "pay_advance", "label": "A pay-advance app" } }, { "id": "a1t172", "date": "2026-10-01", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -50, "balance": 664.17, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t173", "date": "2026-10-03", "description": "HARBOUR DEBT RECOVERY", "amount": -50, "balance": 614.17, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "debt_collector", "label": "A debt collector or debt buyer" } }, { "id": "a1t174", "date": "2026-10-03", "description": "BETTING ACCOUNT DEPOSIT", "amount": -50, "balance": 564.17, "category": { "code": "gambling", "label": "Gambling" } }, { "id": "a1t175", "date": "2026-10-04", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -151.76, "balance": 412.41, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t176", "date": "2026-10-05", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": -347.59, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t177", "date": "2026-10-06", "description": "CENTRELINK FAMILY TAX BENEFIT", "amount": 312.4, "balance": -35.19, "category": { "code": "income_government", "label": "Government benefit" }, "party": "Centrelink", "detail": { "code": "family_tax_benefit", "label": "Family Tax Benefit" } }, { "id": "a1t178", "date": "2026-10-07", "description": "AMPOL BRAMBLEWOOD", "amount": -58.2, "balance": -93.39, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t179", "date": "2026-10-08", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1338.15, "balance": 1244.76, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t180", "date": "2026-10-08", "description": "HARBOUR PAY ADVANCE REPAYMENT", "amount": -262.5, "balance": 982.26, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "pay_advance", "label": "A pay-advance app" } }, { "id": "a1t181", "date": "2026-10-08", "description": "UBER *EATS", "amount": -30.45, "balance": 951.81, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t182", "date": "2026-10-09", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -165, "balance": 786.81, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t183", "date": "2026-10-09", "description": "NETFLIX.COM", "amount": -18.99, "balance": 767.82, "category": { "code": "entertainment", "label": "Entertainment and subscriptions" }, "party": "Netflix" }, { "id": "a1t184", "date": "2026-10-11", "description": "COLES 0617 BRAMBLEWOOD", "amount": -111.24, "balance": 656.58, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t185", "date": "2026-10-12", "description": "TELSTRA PREPAID", "amount": -45, "balance": 611.58, "category": { "code": "telco", "label": "Phone and internet" }, "party": "Telstra" }, { "id": "a1t186", "date": "2026-10-15", "description": "CAR LOAN REPAYMENT BRAMBLE FINANCE", "amount": -412.18, "balance": 199.4, "category": { "code": "loan_repayment", "label": "Loan repayment" } }, { "id": "a1t187", "date": "2026-10-17", "description": "BETTING ACCOUNT DEPOSIT", "amount": -40, "balance": 159.4, "category": { "code": "gambling", "label": "Gambling" } }, { "id": "a1t188", "date": "2026-10-18", "description": "WOOLWORTHS 4021 BRAMBLEWOOD", "amount": -90.88, "balance": 68.52, "category": { "code": "groceries", "label": "Groceries" }, "party": "Woolworths" }, { "id": "a1t189", "date": "2026-10-18", "description": "AGL ENERGY", "amount": -152.66, "balance": -84.14, "category": { "code": "utilities", "label": "Utilities" }, "party": "AGL" }, { "id": "a1t190", "date": "2026-10-19", "description": "RENT TO BRAMBLE REALTY", "amount": -760, "balance": -844.14, "category": { "code": "housing_rent", "label": "Rent" }, "party": "Realty" }, { "id": "a1t191", "date": "2026-10-19", "description": "BRAMBLEWOOD PUBLIC SCHOOL", "amount": -185, "balance": -1029.14, "category": { "code": "education", "label": "Education and childcare" } }, { "id": "a1t192", "date": "2026-10-20", "description": "CREDIT CARD PAYMENT BRAMBLE", "amount": -329.64, "balance": -1358.78, "category": { "code": "credit_card", "label": "Credit card payment" } }, { "id": "a1t193", "date": "2026-10-21", "description": "TRANSFER FROM BONUS SAVER 6120", "amount": 120, "balance": -1238.78, "category": { "code": "transfer", "label": "Transfer" }, "party": "Bonus Saver (A2)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a1t194", "date": "2026-10-21", "description": "AMPOL BRAMBLEWOOD", "amount": -76.29, "balance": -1315.07, "category": { "code": "transport", "label": "Transport and fuel" }, "party": "Ampol" }, { "id": "a1t195", "date": "2026-10-22", "description": "DIRECT CREDIT BRAMBLE CAFE PAYROLL", "amount": 1347.38, "balance": 32.31, "category": { "code": "income_salary", "label": "Salary or wages" } }, { "id": "a1t196", "date": "2026-10-23", "description": "BRAMBLE CASH LOANS REPAYMENT", "amount": -165, "balance": -132.69, "category": { "code": "loan_repayment", "label": "Loan repayment" }, "detail": { "code": "small_amount_lender", "label": "A lender whose products are commonly small amount credit contracts" } }, { "id": "a1t197", "date": "2026-10-23", "description": "OVERDRAWN FEE", "amount": -10, "balance": -142.69, "category": { "code": "fees", "label": "Bank fees and interest" }, "detail": { "code": "overdrawn", "label": "The account overdrawn" } }, { "id": "a1t198", "date": "2026-10-23", "description": "ATM WITHDRAWAL BRAMBLEWOOD", "amount": -150, "balance": -292.69, "category": { "code": "cash_withdrawal", "label": "Cash withdrawal" } }, { "id": "a1t199", "date": "2026-10-24", "description": "BETTING ACCOUNT DEPOSIT", "amount": -60, "balance": -352.69, "category": { "code": "gambling", "label": "Gambling" } }, { "id": "a1t200", "date": "2026-10-25", "description": "COLES 0617 BRAMBLEWOOD", "amount": -93.59, "balance": -446.28, "category": { "code": "groceries", "label": "Groceries" }, "party": "Coles" }, { "id": "a1t201", "date": "2026-10-25", "description": "YOUI INSURANCE", "amount": -96.4, "balance": -542.68, "category": { "code": "insurance", "label": "Insurance" } }, { "id": "a1t202", "date": "2026-10-26", "description": "CHEMIST WAREHOUSE BRAMBLEWOOD", "amount": -25.53, "balance": -568.21, "category": { "code": "health", "label": "Health" }, "party": "Chemist Warehouse" }, { "id": "a1t203", "date": "2026-10-27", "description": "UBER *EATS", "amount": -32.2, "balance": -600.41, "category": { "code": "dining", "label": "Eating out and takeaway" }, "party": "Uber Eats" }, { "id": "a1t204", "date": "2026-10-27", "description": "KMART BRAMBLEWOOD", "amount": -46.16, "balance": -646.57, "category": { "code": "shopping", "label": "Shopping" }, "party": "Kmart" } ] }, { "id": "a2", "institution": "Bramble Bank", "name": "Bonus Saver", "product": "Bonus Saver", "kind": "savings", "holders": [ "Sam Example" ], "ownership": "sole", "bsb": "000-000", "number": "xxxx6120", "currency": "AUD", "status": "open", "period": { "from": "2026-05-01", "to": "2026-10-28", "days": 181 }, "balanceSource": "printed", "balances": { "opening": 420.5, "closing": 1150.5, "current": 1150.5, "available": 1150.5, "limit": null, "asAt": "2026-10-28T22:40:00.000Z" }, "summary": { "moneyIn": { "count": 5, "total": 1100 }, "moneyOut": { "count": 2, "total": -370 }, "lowest": { "balance": 420.5, "on": "2026-05-01" }, "highest": { "balance": 1520.5, "on": "2026-08-14" }, "averageDayEnd": 1032.6, "daysBelowZero": 0, "months": [ { "month": "2026-05", "days": 31, "moneyIn": 100, "moneyOut": 0, "closing": 520.5 }, { "month": "2026-06", "days": 30, "moneyIn": 200, "moneyOut": 0, "closing": 720.5 }, { "month": "2026-07", "days": 31, "moneyIn": 500, "moneyOut": 0, "closing": 1220.5 }, { "month": "2026-08", "days": 31, "moneyIn": 300, "moneyOut": 0, "closing": 1520.5 }, { "month": "2026-09", "days": 30, "moneyIn": 0, "moneyOut": -250, "closing": 1270.5 }, { "month": "2026-10", "days": 28, "moneyIn": 0, "moneyOut": -120, "closing": 1150.5 } ] }, "checks": { "reconciles": true, "balanceChain": { "tested": 7, "held": 7 }, "firstTransaction": "2026-05-08", "lastTransaction": "2026-10-21", "longestGap": { "days": 42, "from": "2026-08-15", "to": "2026-09-25" }, "possibleDuplicates": 0 }, "transactions": [ { "id": "a2t1", "date": "2026-05-08", "description": "TRANSFER FROM EVERYDAY 6118", "amount": 100, "balance": 520.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t2", "date": "2026-06-05", "description": "TRANSFER FROM EVERYDAY 6118", "amount": 200, "balance": 720.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t3", "date": "2026-07-03", "description": "TRANSFER FROM EVERYDAY 6118", "amount": 200, "balance": 920.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t4", "date": "2026-07-31", "description": "TRANSFER FROM EVERYDAY 6118", "amount": 300, "balance": 1220.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t5", "date": "2026-08-14", "description": "TRANSFER FROM EVERYDAY 6118", "amount": 300, "balance": 1520.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t6", "date": "2026-09-26", "description": "TRANSFER TO EVERYDAY 6118", "amount": -250, "balance": 1270.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } }, { "id": "a2t7", "date": "2026-10-21", "description": "TRANSFER TO EVERYDAY 6118", "amount": -120, "balance": 1150.5, "category": { "code": "transfer", "label": "Transfer" }, "party": "Everyday Account (A1)", "detail": { "code": "own_account", "label": "Between the holder’s own accounts" } } ] } ], "reader": { "setting": "balanced", "version": "1.0.0" }, "notes": [], "analysis": { "version": "1.3", "asAt": "2026-10-28", "days": 181, "months": 5.95, "metrics": [ { "ref": "IN01", "group": "IN", "label": "Regular income", "value": 2783.93, "unit": "money", "per": "month", "field": "verified monthly income", "from": [ "a1t6", "a1t25", "a1t37", "a1t53", "a1t68", "a1t85", "a1t99", "a1t116", "a1t131", "a1t144", "a1t162", "a1t179", "a1t195" ] }, { "ref": "IN02", "group": "IN", "label": "Salary and wages", "value": 2783.93, "unit": "money", "per": "month", "from": [ "a1t6", "a1t25", "a1t37", "a1t53", "a1t68", "a1t85", "a1t99", "a1t116", "a1t131", "a1t144", "a1t162", "a1t179", "a1t195" ] }, { "ref": "IN03", "group": "IN", "label": "Government benefits", "value": 0, "unit": "money", "per": "month", "from": [] }, { "ref": "IN04", "group": "IN", "label": "Other regular income", "value": 0, "unit": "money", "per": "month", "from": [] }, { "ref": "IN05", "group": "IN", "label": "Other money in", "value": 169.27, "unit": "money", "per": "month", "from": [ "a1t105", "a1t166" ] }, { "ref": "IN06", "group": "IN", "label": "Income streams ongoing", "value": 1, "unit": "count", "field": "income streams" }, { "ref": "IN07", "group": "IN", "label": "Income streams skipped or not ongoing", "value": 2, "unit": "count", "from": [ "a1t4", "a1t22", "a1t34", "a1t48", "a1t66", "a1t82", "a1t97", "a1t112", "a1t128", "a1t141", "a1t158", "a1t177", "a1t1", "a1t9", "a1t17", "a1t27", "a1t31", "a1t41", "a1t45", "a1t57", "a1t62", "a1t73", "a1t77", "a1t87", "a1t93", "a1t102", "a1t108", "a1t118" ] }, { "ref": "IN08", "group": "IN", "label": "Income credits", "value": 15, "unit": "count", "window": 90, "field": "income credits in the last 90 days", "from": [ "a1t102", "a1t105", "a1t108", "a1t112", "a1t116", "a1t118", "a1t128", "a1t131", 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"field": "dishonours in the last 30 days", "from": [] }, { "ref": "RL02", "group": "RL", "label": "Dishonours", "value": 1, "unit": "count", "window": 90, "field": "dishonours in the last 90 days", "from": [ "a1t163", "a1t166", "a1t168" ] }, { "ref": "RL03", "group": "RL", "label": "Dishonours", "value": 2, "unit": "count", "window": "period", "from": [ "a1t49", "a1t163", "a1t166", "a1t168" ] }, { "ref": "RL04", "group": "RL", "label": "Late payment fees", "value": 1, "unit": "count", "window": "period", "from": [ "a1t157" ] }, { "ref": "RL05", "group": "RL", "label": "Days below zero", "value": 13, "unit": "days", "window": 30 }, { "ref": "RL06", "group": "RL", "label": "Days below zero", "value": 15, "unit": "days", "window": 90 }, { "ref": "RL07", "group": "RL", "label": "Days below zero", "value": 17, "unit": "days", "window": "period" }, { "ref": "RL08", "group": "RL", "label": "Gambling", "value": 50.42, "unit": "money", "per": "month", "from": [ "a1t78", "a1t125", "a1t146", 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"Pay-advance repayments", "value": 1, "unit": "count", "window": "period", "from": [ "a1t180" ] }, { "ref": "RL15", "group": "RL", "label": "Payments to debt collectors", "value": 5, "unit": "count", "window": "period", "from": [ "a1t35", "a1t69", "a1t104", "a1t138", "a1t173" ] }, { "ref": "RL16", "group": "RL", "label": "Buy now pay later providers", "value": 0, "unit": "count", "category": "bnpl" }, { "ref": "RL17", "group": "RL", "label": "Cash withdrawals as a share of spending", "value": 0.0422, "unit": "share", "category": "cash_withdrawal" }, { "ref": "RL18", "group": "RL", "label": "Days since the last dishonour", "value": 32, "unit": "days", "on": "2026-09-26", "from": [ "a1t163", "a1t166", "a1t168" ] }, { "ref": "RL19", "group": "RL", "label": "Repayments to credit providers dishonoured", "value": 2, "unit": "count", "window": "period", "from": [ "a1t49", "a1t163", "a1t166", "a1t168" ] }, { "ref": "RL20", "group": "RL", "label": "Cash withdrawals", "value": 200, "unit": 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"monthly": 0, "average": 186.71, "first": "2026-05-02", "last": "2026-08-15", "daysSinceLast": 74, "frequency": "weekly", "weekday": "Saturday", "last30": 0 } ] }, { "code": "income_government", "label": "Government benefit", "group": "income", "in": { "count": 12, "total": 3748.8 }, "out": { "count": 0, "total": 0, "monthly": 0 }, "parties": [ { "key": "CENTRELINK", "name": "Centrelink", "named": true, "count": 12, "in": 3748.8, "out": 0, "monthly": 0, "average": 312.4, "first": "2026-05-05", "last": "2026-10-06", "daysSinceLast": 22, "frequency": "fortnightly", "weekday": "Tuesday", "last30": 312.4 } ] }, { "code": "income_other", "label": "Other income", "group": "income", "in": { "count": 1, "total": 842.17 }, "out": { "count": 0, "total": 0, "monthly": 0 }, "parties": [ { "key": "ATO", "name": "Ato", "named": true, "count": 1, "in": 842.17, "out": 0, "monthly": 0, "average": 842.17, "first": "2026-08-04", "last": "2026-08-04", "daysSinceLast": 85, "frequency": null, "last30": 0 } ] }, { "code": "loan_proceeds", "label": "Loan or advance received", "group": "borrowing", "in": { "count": 3, "total": 1550 }, "out": { "count": 0, "total": 0, "monthly": 0 }, "parties": [ { "key": "BRAMBLE CASH LOANS", "name": "BRAMBLE CASH LOANS", "named": false, "count": 2, "in": 1300, "out": 0, "monthly": 0, "average": 650, "first": "2026-05-11", "last": "2026-08-17", "daysSinceLast": 72, "frequency": null, "last30": 0 }, { "key": "HARBOUR PAY ADVANCE", "name": "HARBOUR PAY ADVANCE", "named": false, "count": 1, "in": 250, "out": 0, "monthly": 0, "average": 250, "first": "2026-09-30", "last": "2026-09-30", "daysSinceLast": 28, "frequency": null, "last30": 250 } ] }, { "code": "loan_repayment", "label": "Loan repayment", "group": "commitment", "in": { "count": 1, "total": 165 }, "out": { "count": 23, "total": -4638.08, "monthly": 779.51 }, "parties": [ { "key": "BRAMBLE FINANCE", "name": "BRAMBLE FINANCE", "named": false, "count": 6, "in": 0, "out": -2473.08, "monthly": 415.64, "average": -412.18, "first": "2026-05-15", "last": "2026-10-15", "daysSinceLast": 13, "frequency": "monthly", "dayOfMonth": 15, "last30": -412.18 }, { "key": "BRAMBLE CASH LOANS", "name": "BRAMBLE CASH LOANS", "named": false, "count": 12, "in": 165, "out": -1652.5, "monthly": 277.73, "average": -123.96, "first": "2026-05-22", "last": "2026-10-23", "daysSinceLast": 5, "frequency": "fortnightly", "weekday": "Friday", "last30": -330 }, { "key": "HARBOUR PAY ADVANCE", "name": "HARBOUR PAY ADVANCE", "named": false, "count": 1, "in": 0, "out": -262.5, "monthly": 44.12, "average": -262.5, "first": "2026-10-08", "last": "2026-10-08", "daysSinceLast": 20, "frequency": null, "last30": -262.5 }, { "key": "HARBOUR DEBT RECOVERY", "name": "HARBOUR DEBT RECOVERY", "named": false, "count": 5, "in": 0, "out": -250, "monthly": 42.02, "average": -50, "first": "2026-06-03", "last": "2026-10-03", "daysSinceLast": 25, "frequency": "monthly", "dayOfMonth": 3, "last30": -50 } ] }, { "code": "credit_card", "label": "Credit card payment", "group": "commitment", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -1648.75, "monthly": 277.1 }, "parties": [ { "key": "BRAMBLE", "name": "BRAMBLE", "named": false, "count": 6, "in": 0, "out": -1648.75, "monthly": 277.1, "average": -274.79, "first": "2026-05-20", "last": "2026-10-20", "daysSinceLast": 8, "frequency": "monthly", "dayOfMonth": 20, "last30": -329.64 } ] }, { "code": "housing_rent", "label": "Rent", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 13, "total": -9880, "monthly": 1660.5 }, "parties": [ { "key": "REALTY", "name": "Realty", "named": true, "count": 13, "in": 0, "out": -9880, "monthly": 1660.5, "average": -760, "first": "2026-05-04", "last": "2026-10-19", "daysSinceLast": 9, "frequency": "fortnightly", "weekday": "Monday", "last30": -1520 } ] }, { "code": "groceries", "label": "Groceries", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 26, "total": -3105.51, "monthly": 521.93 }, "parties": [ { "key": "WOOLWORTHS", "name": "Woolworths", "named": true, "count": 13, "in": 0, "out": -1578.35, "monthly": 265.27, "average": -121.41, "first": "2026-05-03", "last": "2026-10-18", "daysSinceLast": 10, "frequency": "fortnightly", "weekday": "Sunday", "last30": -242.64 }, { "key": "COLES", "name": "Coles", "named": true, "count": 13, "in": 0, "out": -1527.16, "monthly": 256.67, "average": -117.47, "first": "2026-05-10", "last": "2026-10-25", "daysSinceLast": 3, "frequency": "fortnightly", "weekday": "Sunday", "last30": -204.83 } ] }, { "code": "transport", "label": "Transport and fuel", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 14, "total": -1549.76, "monthly": 260.46 }, "parties": [ { "key": "AMPOL", "name": "Ampol", "named": true, "count": 13, "in": 0, "out": -865.46, "monthly": 145.46, "average": -66.57, "first": "2026-05-06", "last": "2026-10-21", "daysSinceLast": 7, "frequency": "fortnightly", "weekday": "Wednesday", "last30": -134.49 }, { "key": "BRAMBLE AUTO REPAIRS", "name": "BRAMBLE AUTO REPAIRS", "named": false, "count": 1, "in": 0, "out": -684.3, "monthly": 115.01, "average": -684.3, "first": "2026-09-23", "last": "2026-09-23", "daysSinceLast": 35, "frequency": null, "last30": 0 } ] }, { "code": "utilities", "label": "Utilities", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -861.51, "monthly": 144.79 }, "parties": [ { "key": "AGL", "name": "AGL", "named": true, "count": 6, "in": 0, "out": -861.51, "monthly": 144.79, "average": -143.58, "first": "2026-05-18", "last": "2026-10-18", "daysSinceLast": 10, "frequency": "monthly", "dayOfMonth": 18, "last30": -152.66 } ] }, { "code": "health", "label": "Health", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 7, "total": -632.01, "monthly": 106.22 }, "parties": [ { "key": "BRAMBLE DENTAL CARE", "name": "BRAMBLE DENTAL CARE", "named": false, "count": 1, "in": 0, "out": -480, "monthly": 80.67, "average": -480, "first": "2026-09-02", "last": "2026-09-02", "daysSinceLast": 56, "frequency": null, "last30": 0 }, { "key": "CHEMIST WAREHOUSE", "name": "Chemist Warehouse", "named": true, "count": 6, "in": 0, "out": -152.01, "monthly": 25.55, "average": -25.33, "first": "2026-05-14", "last": "2026-10-26", "daysSinceLast": 2, "frequency": "monthly", "dayOfMonth": 20, "last30": -25.53 } ] }, { "code": "insurance", "label": "Insurance", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -578.4, "monthly": 97.21 }, "parties": [ { "key": "YOUI INSURANCE", "name": "YOUI INSURANCE", "named": false, "count": 6, "in": 0, "out": -578.4, "monthly": 97.21, "average": -96.4, "first": "2026-05-25", "last": "2026-10-25", "daysSinceLast": 3, "frequency": "monthly", "dayOfMonth": 25, "last30": -96.4 } ] }, { "code": "telco", "label": "Phone and internet", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -270, "monthly": 45.38 }, "parties": [ { "key": "TELSTRA", "name": "Telstra", "named": true, "count": 6, "in": 0, "out": -270, "monthly": 45.38, "average": -45, "first": "2026-05-12", "last": "2026-10-12", "daysSinceLast": 16, "frequency": "monthly", "dayOfMonth": 12, "last30": -45 } ] }, { "code": "education", "label": "Education and childcare", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 1, "total": -185, "monthly": 31.09 }, "parties": [ { "key": "BRAMBLEWOOD PUBLIC SCHOOL", "name": "BRAMBLEWOOD PUBLIC SCHOOL", "named": false, "count": 1, "in": 0, "out": -185, "monthly": 31.09, "average": -185, "first": "2026-10-19", "last": "2026-10-19", "daysSinceLast": 9, "frequency": null, "last30": -185 } ] }, { "code": "fees", "label": "Bank fees and interest", "group": "essential", "in": { "count": 0, "total": 0 }, "out": { "count": 4, "total": -44, "monthly": 7.39 }, "parties": [ { "key": "DISHONOUR FEE", "name": "DISHONOUR FEE", "named": false, "count": 2, "in": 0, "out": -19, "monthly": 3.19, "average": -9.5, "first": "2026-06-16", "last": "2026-09-26", "daysSinceLast": 32, "frequency": null, "last30": 0 }, { "key": "LATE FEE", "name": "LATE FEE", "named": false, "count": 1, "in": 0, "out": -15, "monthly": 2.52, "average": -15, "first": "2026-09-21", "last": "2026-09-21", "daysSinceLast": 37, "frequency": null, "last30": 0 }, { "key": "OVERDRAWN FEE", "name": "OVERDRAWN FEE", "named": false, "count": 1, "in": 0, "out": -10, "monthly": 1.68, "average": -10, "first": "2026-10-23", "last": "2026-10-23", "daysSinceLast": 5, "frequency": null, "last30": -10 } ] }, { "code": "shopping", "label": "Shopping", "group": "discretionary", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -822.74, "monthly": 138.28 }, "parties": [ { "key": "JB HI-FI", "name": "JB Hi-Fi", "named": true, "count": 1, "in": 0, "out": -599, "monthly": 100.67, "average": -599, "first": "2026-08-07", "last": "2026-08-07", "daysSinceLast": 82, "frequency": null, "last30": 0 }, { "key": "KMART", "name": "Kmart", "named": true, "count": 5, "in": 0, "out": -223.74, "monthly": 37.6, "average": -44.75, "first": "2026-05-16", "last": "2026-10-27", "daysSinceLast": 1, "frequency": null, "last30": -46.16 } ] }, { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "in": { "count": 0, "total": 0 }, "out": { "count": 10, "total": -351.13, "monthly": 59.01 }, "parties": [ { "key": "UBER EATS", "name": "Uber Eats", "named": true, "count": 10, "in": 0, "out": -351.13, "monthly": 59.01, "average": -35.11, "first": "2026-05-09", "last": "2026-10-27", "daysSinceLast": 1, "frequency": null, "last30": -62.65 } ] }, { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "in": { "count": 0, "total": 0 }, "out": { "count": 6, "total": -113.94, "monthly": 19.15 }, "parties": [ { "key": "NETFLIX", "name": "Netflix", "named": true, "count": 6, "in": 0, "out": -113.94, "monthly": 19.15, "average": -18.99, "first": "2026-05-09", "last": "2026-10-09", "daysSinceLast": 19, "frequency": "monthly", "dayOfMonth": 9, "last30": -18.99 } ] }, { "code": "gambling", "label": "Gambling", "group": "risk", "in": { "count": 0, "total": 0 }, "out": { "count": 7, "total": -300, "monthly": 50.42 }, "parties": [ { "key": "BETTING ACCOUNT", "name": "BETTING ACCOUNT", "named": false, "count": 7, "in": 0, "out": -300, "monthly": 50.42, "average": -42.86, "first": "2026-07-11", "last": "2026-10-24", "daysSinceLast": 4, "frequency": null, "last30": -150 } ] }, { "code": "cash_withdrawal", "label": "Cash withdrawal", "group": "cash", "in": { "count": 0, "total": 0 }, "out": { "count": 10, "total": -1100, "monthly": 184.87 }, "parties": [ { "key": "ATM WITHDRAWAL BRAMBLEWOOD", "name": "ATM WITHDRAWAL BRAMBLEWOOD", "named": false, "count": 10, "in": 0, "out": -1100, "monthly": 184.87, "average": -110, "first": "2026-05-08", "last": "2026-10-23", "daysSinceLast": 5, "frequency": null, "last30": -200 } ] }, { "code": "transfer", "own": true, "label": "Between own accounts", "group": "transfer", "in": { "count": 7, "total": 1470 }, "out": { "count": 7, "total": -1470, "monthly": 247.06 }, "parties": [ { "key": "BONUS SAVER (A2)", "name": "Bonus Saver (A2)", "named": true, "count": 7, "in": 370, "out": -1100, "monthly": 184.87, "average": -104.29, "first": "2026-05-08", "last": "2026-10-21", "daysSinceLast": 7, "frequency": null, "last30": 120 }, { "key": "EVERYDAY ACCOUNT (A1)", "name": "Everyday Account (A1)", "named": true, "count": 7, "in": 1100, "out": -370, "monthly": 62.18, "average": 104.29, "first": "2026-05-08", "last": "2026-10-21", "daysSinceLast": 7, "frequency": null, "last30": -120 } ] } ], "split": { "by": "creditcrest", "discretionary": [ "dining", "shopping", "entertainment", "travel", "donations" ] }, "accounts": [ { "id": "a1", "belowZero": { "days30": 13, "days90": 15, "period": 17 }, "stretches": [ { "from": "2026-05-04", "to": "2026-05-04", "days": 1, "lowest": -274.18 }, { "from": "2026-05-06", "to": "2026-05-06", "days": 1, "lowest": -31.32 }, { "from": "2026-09-21", "to": "2026-09-21", "days": 1, "lowest": -126.52 }, { "from": "2026-09-23", "to": "2026-09-23", "days": 1, "lowest": -575.28 }, { "from": "2026-10-05", "to": "2026-10-07", "days": 3, "lowest": -347.59 }, { "from": "2026-10-18", "to": "2026-10-21", "days": 4, "lowest": -1358.78 }, { "from": "2026-10-23", "to": "2026-10-28", "days": 6, "lowest": -646.57 } ], "dishonours": { "days30": 0, "days90": 1, "period": 2 }, "overdrawnFees": { "days30": 1, "days90": 1, "period": 1 }, "income": { "count": 13, "total": 16484.52, "kinds": [ "salary", "government" ] }, "median": 1287.91 }, { "id": "a2", "belowZero": { "days30": 0, "days90": 0, "period": 0 }, "stretches": [], "dishonours": { "days30": 0, "days90": 0, "period": 0 }, "overdrawnFees": { "days30": 0, "days90": 0, "period": 0 }, "income": { "count": 0, "total": 0, "kinds": [] }, "median": 920.5 } ], "signals": [ { "code": "overdrawn_days", "severity": "high", "statement": "The balance was below nought on 16 days of the period, at its lowest $-1,358.78, on an account that was in credit at other times.", "from": [ "a1t3", "a1t5", "a1t156", "a1t157", "a1t161", "a1t176", "a1t177", "a1t178", "a1t189", "a1t190", "a1t191", "a1t192", "a1t193", "a1t194", "a1t196", "a1t197", "a1t198", "a1t199", "a1t200", "a1t201", "a1t202", "a1t203", "a1t204" ] }, { "code": "small_amount_credit", "severity": "high", "statement": "Payments to businesses whose products commonly include small amount credit contracts. What follows from it is the lender’s own assessment.", "from": [ "a1t26", "a1t38", "a1t56", "a1t70", "a1t86", "a1t132", "a1t145", "a1t163", "a1t170", "a1t182", "a1t196" ] }, { "code": "debt_collection", "severity": "high", "statement": "5 payments to a debt collector or debt buyer: a debt that went into default is being repaid.", "from": [ "a1t35", "a1t69", "a1t104", "a1t138", "a1t173" ] }, { "code": "new_borrowing", "severity": "high", "statement": "4 loans or advances paid into the account, $1,715.00 from 2 lenders, 4 of them from a small-amount lender or a pay-advance app. None of it is counted as income.", "from": [ "a1t13", "a1t121", "a1t166", "a1t171" ] }, { "code": "income_stopped", "severity": "high", "statement": "2 regular credits have stopped: a weekly salary or wages of about $185.56 last arrived on 2026-08-15, and the next was due by 2026-08-27; a fortnightly government benefit of about $312.40 last arrived on 2026-10-06, and the next was due by 2026-10-26. They are left out of the verified income.", "from": [ "a1t1", "a1t9", "a1t17", "a1t27", "a1t31", "a1t41", "a1t45", "a1t57", "a1t62", "a1t73", "a1t77", "a1t87", "a1t93", "a1t102", "a1t108", "a1t118", "a1t4", "a1t22", "a1t34", "a1t48", "a1t66", "a1t82", "a1t97", "a1t112", "a1t128", "a1t141", "a1t158", "a1t177" ] }, { "code": "gambling_spend", "severity": "note", "statement": "Gambling transactions totalling $300.00 over 5.95 months (about $50.42 a month).", "from": [ "a1t78", "a1t125", "a1t146", "a1t152", "a1t174", "a1t187", "a1t199" ] }, { "code": "dishonours", "severity": "note", "statement": "2 dishonours in the period: payments were refused.", "from": [ "a1t49", "a1t163", "a1t166", "a1t168" ] }, { "code": "overdrawn_fees", "severity": "note", "statement": "1 overdrawn fee in the period: the bank charged for the account going below nought.", "from": [ "a1t197" ] }, { "code": "late_payment_fees", "severity": "note", "statement": "1 late payment fee in the period: a repayment was made after its due date.", "from": [ "a1t157" ] }, { "code": "pay_advance", "severity": "note", "statement": "1 repayment to a pay-advance app: some of the pay was borrowed before it arrived.", "from": [ "a1t180" ] } ], "quality": { "categorisedShare": 1, "spendCategorisedShare": 1, "enoughHistory": true } }, "seal": { "alg": "HMAC-SHA256", "kid": "sandbox", "sha256": "78435cd852fa27c2ff594e4116590433e6f736698d823c22dfbaf074e79c8565", "value": "0a70bad4cda2e007a7e85adcfcccd650798617973aa363b0fd64d0e4ba08deec" } }