Transaction categories

Categories apply to bank statements and similar transaction documents, such as e-wallet statements. They are derived from the transaction description, so any institution is supported.

Coverage depends on each row's layout, language and narrative. category_confidence is h (clear match), m (reasonable match) or l (uncertain).

Category	Description
`income`	Salary, payroll, business receipts and employer deposits.
`p2p`	Transfers between people or accounts, including instant-payment and e-wallet transfers.
`p2m`	Merchant payments by card or e-wallet.
`atm`	ATM withdrawals, deposits and cash advances.
`cheque`	Cheque deposits, withdrawals and clearing.
`loan`	Loan disbursements, repayments, credit-card payments and instalments.
`utilities`	Electricity, water, telco, internet and subscriptions.
`food`	Restaurants, food delivery, groceries and supermarkets.
`retail`	Shopping, e-commerce and department stores.
`transportation`	Ride-hailing, taxis, fuel, tolls and airlines.
`medical`	Hospitals, pharmacies and clinics.
`financial`	Investments, insurance, interest and dividends.
`overdraft`	Bank fees, commissions, penalties and returned items.
`gambling`	Casinos, betting and lottery.
`legal`	Legal and notary services.
`recreation`	Entertainment, hobbies, travel and gyms.
`ignore`	Non-transaction rows such as opening balances and subtotals; excluded from category metrics.
`unknown`	Insufficient narrative to assign a category, such as a generic memo code or reference number alone.

Generic CM/DM memo codes indicate direction, not purpose; these, reference numbers and name-only descriptions may stay unknown, so some passbooks have a high unknown share. unknown is not a fraud finding; do not force it into an unsupported category.