{ "version": "1.0.0", "source": "sample", "sample": { "key": "ordinary", "title": "the ordinary example", "what": "A fortnightly wage that moves with the hours worked, rent, a few direct debits, groceries and the spending everybody has. A correct reading of it flags nothing serious, which is the point of showing it first." }, "reference": "the ordinary example, which is invented", "format": null, "parse": null, "warnings": [ "This is an invented example statement. It is not anybody’s data and the figures below are about a person who does not exist." ], "reading": { "version": "1.0.0", "period": { "from": "2026-03-01", "to": "2026-08-28", "days": 181, "months": 5.95 }, "quality": { "transactions": 101, "categorised": 101, "categorisedShare": 1, "spendTotal": 21780.74, "spendCategorised": 21780.74, "spendCategorisedShare": 1, "enoughHistory": true }, "income": { "verifiedMonthly": 5026.67, "regular": [ { "key": "credit|DIRECT CREDIT ACME LOGISTICS", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "category": "income_salary", "direction": "credit", "period": "fortnightly", "confidence": 1, "typical": 2320, "spread": 0.1, "variable": false, "assessed": 2320, "monthly": 5026.67, "count": 13, "first": "2026-03-05", "last": "2026-08-20", "transactions": [ "t1", "t2", "t3", "t4", "t5", "t6", "t7", "t8", "t9", "t10", "t11", "t12", "t13" ], "inferred": false, "nextExpected": "2026-09-03" } ], "otherCredits": [], "otherCreditsMonthly": 0, "inferredMonthly": 0 }, "reconciliation": { "supplied": false, "declared": null, "verified": { "monthly": 5026.67, "credits": [ { "payer": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2320, "cadence": "fortnightly", "monthly": 5026.67, "payments": 13, "first": "2026-03-05", "last": "2026-08-20", "payerNamed": true, "transactions": [ "t1", "t2", "t3", "t4", "t5", "t6", "t7", "t8", "t9", "t10", "t11", "t12", "t13" ] } ] }, "difference": null, "shareOfVerified": null, "direction": null, "statement": "No income figure was declared, so there is nothing to reconcile this account against. The verified figure is what these transactions show; nothing has agreed with it, and an absent declaration is not a declaration that matches.", "notAConclusion": "This is the difference between two numbers and nothing more. It is not a finding about a payslip or any other document, not a finding about the applicant, and not a score, a rating or a flag of any kind. A bank statement cannot establish any of those, and this software does not attempt to. What follows from the difference is for the person who holds the credit licence.", "explanations": [], "otherCreditsMonthly": 0, "differenceCountingOtherCredits": null }, "commitments": { "monthly": 2150, "housingMonthly": 2150, "items": [ { "key": "debit|RENT HARCOURTS ELSTERNWICK", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "category": "housing_rent", "direction": "debit", "period": "monthly", "confidence": 1, "typical": 2150, "spread": 0, "variable": false, "assessed": 2150, "monthly": 2150, "count": 6, "first": "2026-03-01", "last": "2026-08-02", "transactions": [ "t14", "t15", "t16", "t17", "t18", "t19" ], "housing": true } ], "subsetOfExpenses": true }, "expenses": { "monthly": { "essential": 3497.94, "discretionary": 162.68 }, "byCategory": [ { "category": "housing_rent", "label": "Rent", "group": "essential", "total": 12900, "count": 6, "transactions": [ "t14", "t15", "t16", "t17", "t18", "t19" ], "monthly": 2168.07 }, { "category": "groceries", "label": "Groceries", "group": "essential", "total": 4332.4, "count": 26, "transactions": [ "t32", "t33", "t34", "t35", "t36", "t37", "t38", "t39", "t40", "t41", "t42", "t43", "t44", "t45", "t46", "t47", "t48", "t49", "t50", "t51", "t52", "t53", "t54", "t55", "t56", "t57" ], "monthly": 728.13 }, { "category": "insurance", "label": "Insurance", "group": "essential", "total": 1178.4, "count": 6, "transactions": [ "t76", "t77", "t78", "t79", "t80", "t81" ], "monthly": 198.05 }, { "category": "utilities", "label": "Utilities", "group": "essential", "total": 953.6, "count": 6, "transactions": [ "t20", "t21", "t22", "t23", "t24", "t25" ], "monthly": 160.27 }, { "category": "transport", "label": "Transport and fuel", "group": "essential", "total": 938.4, "count": 12, "transactions": [ "t58", "t59", "t60", "t61", "t62", "t63", "t64", "t65", "t66", "t67", "t68", "t69" ], "monthly": 157.71 }, { "category": "dining", "label": "Eating out and takeaway", "group": "discretionary", "total": 830, "count": 20, "transactions": [ "t82", "t83", "t84", "t85", "t86", "t87", "t88", "t89", "t90", "t91", "t92", "t93", "t94", "t95", "t96", "t97", "t98", "t99", "t100", "t101" ], "monthly": 139.5 }, { "category": "telco", "label": "Phone and internet", "group": "essential", "total": 510, "count": 6, "transactions": [ "t26", "t27", "t28", "t29", "t30", "t31" ], "monthly": 85.71 }, { "category": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "total": 137.94, "count": 6, "transactions": [ "t70", "t71", "t72", "t73", "t74", "t75" ], "monthly": 23.18 } ] }, "outgoings": { "monthly": 3660.62, "excludes": [ "transfer" ] }, "signals": [], "recent": { "asAt": "2026-08-28", "days30": { "days": 30, "from": "2026-07-30", "to": "2026-08-28", "complete": true, "covered": 30, "income": { "total": 4760, "credits": 2, "from": [ { "date": "2026-08-06", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560 }, { "date": "2026-08-20", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200 } ] }, "gambling": { "total": 0, "shareOfIncome": 0, "from": [] }, "dishonours": { "count": 0, "from": [] }, "overdrawnDays": { "count": null, "why": "The statement carries no running balance, so the days the account was overdrawn cannot be counted. That is not the same as none." } }, "days90": { "days": 90, "from": "2026-05-31", "to": "2026-08-28", "complete": true, "covered": 90, "income": { "total": 14280, "credits": 6, "from": [ { "date": "2026-06-11", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560 }, { "date": "2026-06-25", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200 }, { "date": "2026-07-09", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2320 }, { "date": "2026-07-23", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2440 }, { "date": "2026-08-06", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560 }, { "date": "2026-08-20", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200 } ] }, "gambling": { "total": 0, "shareOfIncome": 0, "from": [] }, "dishonours": { "count": 0, "from": [] }, "overdrawnDays": { "count": null, "why": "The statement carries no running balance, so the days the account was overdrawn cannot be counted. That is not the same as none." } } }, "review": [], "transactions": [ { "id": "t14", "date": "2026-03-01", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t1", "date": "2026-03-05", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t32", "date": "2026-03-06", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t82", "date": "2026-03-08", "description": "UBER EATS SYDNEY AU 12/03", "amount": -64, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t58", "date": "2026-03-09", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -108.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t20", "date": "2026-03-12", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -205.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t33", "date": "2026-03-13", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t70", "date": "2026-03-14", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t83", "date": "2026-03-17", "description": "UBER EATS SYDNEY AU 12/03", "amount": -49, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t26", "date": "2026-03-18", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t2", "date": "2026-03-19", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2320, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t34", "date": "2026-03-20", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t76", "date": "2026-03-21", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t59", "date": "2026-03-24", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -88.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t84", "date": "2026-03-26", "description": "UBER EATS SYDNEY AU 12/03", "amount": -34, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t35", "date": "2026-03-27", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t15", "date": "2026-04-01", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t3", "date": "2026-04-02", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2440, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t36", "date": "2026-04-03", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t85", "date": "2026-04-04", "description": "UBER EATS SYDNEY AU 12/03", "amount": -19, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t60", "date": "2026-04-08", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -68.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t37", "date": "2026-04-10", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t21", "date": "2026-04-11", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -165.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t71", "date": "2026-04-13", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t86", "date": "2026-04-13", "description": "UBER EATS SYDNEY AU 12/03", "amount": -64, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t4", "date": "2026-04-16", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t27", "date": "2026-04-17", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t38", "date": "2026-04-17", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t77", "date": "2026-04-20", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t87", "date": "2026-04-22", "description": "UBER EATS SYDNEY AU 12/03", "amount": -49, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t61", "date": "2026-04-23", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -48.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t39", "date": "2026-04-24", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t5", "date": "2026-04-30", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t40", "date": "2026-05-01", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t88", "date": "2026-05-01", "description": "UBER EATS SYDNEY AU 12/03", "amount": -34, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t16", "date": "2026-05-02", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t41", "date": "2026-05-08", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t62", "date": "2026-05-08", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -108.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t89", "date": "2026-05-10", "description": "UBER EATS SYDNEY AU 12/03", "amount": -19, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t22", "date": "2026-05-11", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -125.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t72", "date": "2026-05-13", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t6", "date": "2026-05-14", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2320, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t42", "date": "2026-05-15", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t28", "date": "2026-05-17", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t90", "date": "2026-05-19", "description": "UBER EATS SYDNEY AU 12/03", "amount": -64, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t78", "date": "2026-05-20", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t43", "date": "2026-05-22", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t63", "date": "2026-05-23", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -88.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t7", "date": "2026-05-28", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2440, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t91", "date": "2026-05-28", "description": "UBER EATS SYDNEY AU 12/03", "amount": -49, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t44", "date": "2026-05-29", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t17", "date": "2026-05-31", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t45", "date": "2026-06-05", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t92", "date": "2026-06-06", "description": "UBER EATS SYDNEY AU 12/03", "amount": -34, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t64", "date": "2026-06-07", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -68.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t8", "date": "2026-06-11", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t23", "date": "2026-06-11", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -85.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t46", "date": "2026-06-12", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t73", "date": "2026-06-13", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t93", "date": "2026-06-15", "description": "UBER EATS SYDNEY AU 12/03", "amount": -19, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t29", "date": "2026-06-17", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t47", "date": "2026-06-19", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t79", "date": "2026-06-20", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t65", "date": "2026-06-22", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -48.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t94", "date": "2026-06-24", "description": "UBER EATS SYDNEY AU 12/03", "amount": -64, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t9", "date": "2026-06-25", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t48", "date": "2026-06-26", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t18", "date": "2026-07-01", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t49", "date": "2026-07-03", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t95", "date": "2026-07-03", "description": "UBER EATS SYDNEY AU 12/03", "amount": -49, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t66", "date": "2026-07-07", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -108.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t10", "date": "2026-07-09", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2320, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t50", "date": "2026-07-10", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t24", "date": "2026-07-11", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -205.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t96", "date": "2026-07-12", "description": "UBER EATS SYDNEY AU 12/03", "amount": -34, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t74", "date": "2026-07-13", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t30", "date": "2026-07-17", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t51", "date": "2026-07-17", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t80", "date": "2026-07-20", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t97", "date": "2026-07-21", "description": "UBER EATS SYDNEY AU 12/03", "amount": -19, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t67", "date": "2026-07-22", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -88.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t11", "date": "2026-07-23", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2440, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t52", "date": "2026-07-24", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t98", "date": "2026-07-30", "description": "UBER EATS SYDNEY AU 12/03", "amount": -64, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t53", "date": "2026-07-31", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t19", "date": "2026-08-02", "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "amount": -2150, "category": "housing_rent", "group": "essential", "label": "Rent", "confidence": 0.95, "matched": "RENT", "rule": 71, "normalised": "RENT HARCOURTS ELSTERNWICK", "enrichment": { "category": { "code": "housing_rent", "label": "Rent", "group": "essential", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "RENT HARCOURTS ELSTERNWICK REF 88210", "normalised": "RENT HARCOURTS ELSTERNWICK", "matched": "RENT", "direction": "debit", "rule": { "index": 71, "category": "housing_rent", "direction": "debit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t12", "date": "2026-08-06", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2560, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t68", "date": "2026-08-06", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -68.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t54", "date": "2026-08-07", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -134.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t99", "date": "2026-08-08", "description": "UBER EATS SYDNEY AU 12/03", "amount": -49, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t25", "date": "2026-08-11", "description": "AGL ENERGY LTD DIRECT DEBIT", "amount": -165.6, "category": "utilities", "group": "essential", "label": "Utilities", "confidence": 0.95, "matched": "AGL", "rule": 33, "normalised": "AGL ENERGY LTD DIRECT DEBIT", "enrichment": { "category": { "code": "utilities", "label": "Utilities", "group": "essential", "known": true }, "thirdParty": { "name": "AGL", "known": true, "basis": "name", "identity": { "known": true, "name": "AGL", "abn": "74115061375", "acn": null, "industries": [ "energy" ], "logo": "https://agl.com.au/content/dam/digital/agl/images/logos/agl/agl-vertical-gradient.svg", "api": "https://public.cdr.agl.com.au", "source": "cdr-register", "updated": "2026-09-02", "fetched": "2026-09-20" } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "AGL ENERGY LTD DIRECT DEBIT", "normalised": "AGL ENERGY LTD DIRECT DEBIT", "matched": "AGL", "direction": "debit", "rule": { "index": 33, "category": "utilities", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t75", "date": "2026-08-13", "description": "NETFLIX.COM SYDNEY AU", "amount": -22.99, "category": "entertainment", "group": "discretionary", "label": "Entertainment and subscriptions", "confidence": 0.95, "matched": "NETFLIX", "rule": 86, "normalised": "NETFLIX COM SYDNEY AU", "enrichment": { "category": { "code": "entertainment", "label": "Entertainment and subscriptions", "group": "discretionary", "known": true }, "thirdParty": { "name": "NETFLIX", "known": true, "basis": "name", "identity": { "known": false, "name": "NETFLIX", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "NETFLIX.COM SYDNEY AU", "normalised": "NETFLIX COM SYDNEY AU", "matched": "NETFLIX", "direction": "debit", "rule": { "index": 86, "category": "entertainment", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t55", "date": "2026-08-14", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -79.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t31", "date": "2026-08-17", "description": "TELSTRA CORP LIMITED BPAY 4412", "amount": -85, "category": "telco", "group": "essential", "label": "Phone and internet", "confidence": 0.95, "matched": "TELSTRA", "rule": 72, "normalised": "TELSTRA CORP LIMITED BPAY", "enrichment": { "category": { "code": "telco", "label": "Phone and internet", "group": "essential", "known": true }, "thirdParty": { "name": "TELSTRA", "known": true, "basis": "name", "identity": { "known": false, "name": "TELSTRA", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "TELSTRA CORP LIMITED BPAY 4412", "normalised": "TELSTRA CORP LIMITED BPAY", "matched": "TELSTRA", "direction": "debit", "rule": { "index": 72, "category": "telco", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t100", "date": "2026-08-17", "description": "UBER EATS SYDNEY AU 12/03", "amount": -34, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t13", "date": "2026-08-20", "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "amount": 2200, "category": "income_salary", "group": "income", "label": "Salary or wages", "confidence": 0.95, "matched": "PAYROLL", "rule": 67, "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "enrichment": { "category": { "code": "income_salary", "label": "Salary or wages", "group": "income", "known": true }, "thirdParty": { "name": null, "known": false, "basis": "kind", "identity": null }, "confidence": { "value": 0.99, "band": "kind", "why": "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." }, "evidence": { "description": "DIRECT CREDIT 049211 ACME LOGISTICS PAYROLL", "normalised": "DIRECT CREDIT ACME LOGISTICS PAYROLL", "matched": "PAYROLL", "direction": "credit", "rule": { "index": 67, "category": "income_salary", "direction": "credit", "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t81", "date": "2026-08-20", "description": "MEDIBANK PRIVATE LTD", "amount": -196.4, "category": "insurance", "group": "essential", "label": "Insurance", "confidence": 0.95, "matched": "MEDIBANK", "rule": 81, "normalised": "MEDIBANK PRIVATE LTD", "enrichment": { "category": { "code": "insurance", "label": "Insurance", "group": "essential", "known": true }, "thirdParty": { "name": "MEDIBANK", "known": true, "basis": "name", "identity": { "known": false, "name": "MEDIBANK", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "MEDIBANK PRIVATE LTD", "normalised": "MEDIBANK PRIVATE LTD", "matched": "MEDIBANK", "direction": "debit", "rule": { "index": 81, "category": "insurance", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t56", "date": "2026-08-21", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -244.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t69", "date": "2026-08-21", "description": "BP CONNECT ELSTERNWICK VIC AUS", "amount": -48.2, "category": "transport", "group": "essential", "label": "Transport and fuel", "confidence": 0.95, "matched": "BP", "rule": 80, "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "transport", "label": "Transport and fuel", "group": "essential", "known": true }, "thirdParty": { "name": "BP", "known": true, "basis": "name", "identity": { "known": false, "name": "BP", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "BP CONNECT ELSTERNWICK VIC AUS", "normalised": "BP CONNECT ELSTERNWICK VIC AUS", "matched": "BP", "direction": "debit", "rule": { "index": 80, "category": "transport", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t101", "date": "2026-08-26", "description": "UBER EATS SYDNEY AU 12/03", "amount": -19, "category": "dining", "group": "discretionary", "label": "Eating out and takeaway", "confidence": 0.95, "matched": "UBER EATS", "rule": 77, "normalised": "UBER EATS SYDNEY AU", "enrichment": { "category": { "code": "dining", "label": "Eating out and takeaway", "group": "discretionary", "known": true }, "thirdParty": { "name": "UBER EATS", "known": true, "basis": "name", "identity": { "known": false, "name": "UBER EATS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "UBER EATS SYDNEY AU 12/03", "normalised": "UBER EATS SYDNEY AU", "matched": "UBER EATS", "direction": "debit", "rule": { "index": 77, "category": "dining", "direction": null, "list": "models/merchants/au.txt", "line": null } } } }, { "id": "t57", "date": "2026-08-28", "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "amount": -189.9, "category": "groceries", "group": "essential", "label": "Groceries", "confidence": 0.95, "matched": "WOOLWORTHS", "rule": 76, "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "enrichment": { "category": { "code": "groceries", "label": "Groceries", "group": "essential", "known": true }, "thirdParty": { "name": "WOOLWORTHS", "known": true, "basis": "name", "identity": { "known": false, "name": "WOOLWORTHS", "source": "https://api.cdr.gov.au/cdr-register/v1/all/data-holders/brands/summary", "fetched": "2026-09-20", "why": "No entry in either register: the CDR Register, which is banks and energy retailers, or the ABN Bulk Extract, which covers non-individual entities the payee corpora name. A sole trader is never in the second one, on purpose." } }, "confidence": { "value": 0.99, "band": "named", "why": "A rule matched the merchant’s name in the description." }, "evidence": { "description": "WOOLWORTHS 2109 ELSTERNWICK VIC AUS CARD 4412", "normalised": "WOOLWORTHS ELSTERNWICK VIC AUS", "matched": "WOOLWORTHS", "direction": "debit", "rule": { "index": 76, "category": "groceries", "direction": null, "list": "models/merchants/au.txt", "line": null } } } } ] }, "asked": false, "proposal": null, "options": null, "service": null, "capacity": null, "gaps": [], "problems": [] }