Categorise account transactions in apps automatically

Banking and finance apps categorise transactions automatically and provide spending analyses and savings tips

Needs setupAI Act: no extra obligationsSorting & assigningBanking & finance, FinTech & payments

Fits: IT & software development

Your customers see at a glance what their money is spent on, without sorting transactions themselves. Savings tips are based on their own figures rather than general advice.

Is this for you?

  • You develop or run a banking, budgeting or finance app with access to account transactions.
  • You have a product team that can look after categories, data protection and quality over months.
First step today

Write down 15 made-up account transactions for one month, including a transfer between accounts, a refund and an unclear payment service, and use the template below to have them categorised and totalled. Recalculate the totals yourself.

How to go about it

  1. Define the category tree and responsibility
  2. Collect labelled transactions as examples
  3. Set up categorisation with rules and a model
  4. Give uncertain transactions to users for confirmation
  5. Deliver analysis and savings tips in the app
  6. Evaluate user corrections

Templates to copy

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Included in the training

The complete guide

  • 6 steps explaining exactly what to do
  • 3 proven templates to copy into your own AI
  • Safe use: data, checking, deciding, informing
  • Pitfalls, effort and how to recognise success

With the training you get all 430 guides for as long as your access runs.

See the trainingOne-off per person, no subscription

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G-FI-06 · Legal status 08.10.2026