Spending that sorts itself

Key takeaways

• •Transactions are categorized as they arrive, using the merchant category code your bank sends.
• •Matching is against your own category set with semantic search, so results follow how you organise money rather than a fixed taxonomy.
• •Categories are yours to rename, add to or delete; deleting reassigns the affected transactions rather than orphaning them.
• •Cash entries and some imported statement rows carry no merchant category code, so they arrive uncategorized and wait for you.

Can I change the categories EasyFin uses?

New accounts start with a sensible default set across income, expense and transfer groups. From there it is yours: rename anything, add categories the defaults missed, and delete ones you do not use — deleting reassigns the affected transactions rather than orphaning them.

Why are some transactions left uncategorized?

Categorization keys off the merchant category code attached to a card payment. Transactions with no such code — cash entries you add yourself, and some imported statement rows — arrive uncategorized and wait for you. This is worth knowing before you assume a quiet category means you did not spend.

Frequently asked questions

How does EasyFin categorize transactions automatically?

It reads the merchant category code supplied by your bank and matches it against your own categories using semantic search, so results reflect your category structure rather than a fixed taxonomy. Manual entries and some imported rows have no merchant category code and are left uncategorized.