Transaction Categorization
Transform messy bank statement data into structured, category-tagged spending intelligence. Built for lenders, risk teams, and financial analysts.
API Integration
RESTful cloud API. Set up in days, not months. No prior data formatting required.
Web Cabinet
No developers needed. Upload bank statements and get instant categorized results online.
PDF + JSON/XML
PDF statements from 100+ European banks, plus universal JSON/XML open banking formats.
80+ Categories
Salary, rent, groceries, utilities, gambling, crypto – granular category coverage.
From raw statement to structured data
Send raw transactions
POST bank statement lines or PSD2 transaction data to the categorization API (or upload in our web portal) — PDF, XML, JSON, or a direct feed from your AIS integration.
Get structured categories back
Each transaction returns a category (e.g. groceries, subscriptions, utilities), typically in under 2 seconds the whole statement is categorized.
Use it in your product
Power budgeting views, spend analytics, credit scoring inputs, or bookkeeping automation — without building and maintaining your own classifier.
Categorization, answered
What is bank transaction categorization?
It's the process of automatically tagging raw bank transaction lines — which usually arrive as messy, inconsistent merchant strings — with a standardized category, such as groceries, transport, or subscriptions. It turns raw statement data into something a budgeting app, accountant, or credit model can actually use.
How accurate is Catego's categorization?
Categorization accuracy runs at 96% across the transaction volumes we process for Baltic, Romanian, and German bank data — see the stats on our homepage for current figures.
Does this work with PSD2 open banking data?
Yes — categorization pairs naturally with our AISP/open banking service, so you can pull transactions via PSD2 and categorize them in the same pipeline. They're also available as fully separate services if you already have your own data source.
What banks and markets are supported?
Categorization models are adjusted for high categorization quality in the Baltic states, with additional coverage in Romania and Germany. Other markets would see lower categorization accuracy.
Need raw transaction data too?
Pair categorization with our licensed PSD2 open banking (AISP) service to pull transactions directly from 80+ banks.