Transaction categories
How transactions are categorized, and what each category means.
Categorization uses the transaction description, not the institution name alone. Verified statement layouts include BBVA México, Nubank México, Santander México, Mercado Pago, BDO and Security Bank. This is a list of tested institutions, not a guarantee that every layout or statement from those institutions has complete coverage.
Categorization combines model-based analysis with English, Filipino/Philippine and Mexican/Spanish merchant and keyword rules. Coverage depends on the layout, language and narrative available in each row. category_confidence is h for a clear match, m for a reasonable match or l for uncertainty.
| Category | Meaning |
|---|---|
income | Salary, payroll, business receipts and employer deposits. |
p2p | Transfers between people or accounts, including SPEI, InstaPay, PESONet 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 transaction purpose. These codes, reference numbers and insufficient name-only descriptions may remain unknown. Some passbooks can therefore retain a high unknown share. Do not treat unknown as a fraud finding or force it into an unsupported category.