Category

The category describes the purpose of one transaction and attempts to ascertain the reason why the user made it. Our Category taxonomy is specialized in risk assessment and credit worthiness analysis. It can be split into 7 groups :

Entries (wages, allowance, gambling gains, ...)
Loans (loan repayments, loan drawdowns, debt collection, ...)
Bank Operations (fees, payment rejections, overdrafts fees, ...)
Expenses (insurance, power, gambling, ...)
Savings (interest, savings, ...)
Taxes (income tax, professional tax, housing tax)
Refunds

Categories for each specific market

France 🇫🇷 : Please click here to access the categories available in France
UK 🇬🇧 : Please click here to access the categories available in the UK
Spain 🇪🇸 : Please click here to access the categories available in the Spain
Remaining EU countries : Please click here to access the categories available in the remaining EU countries

List of all categories (worldwide)

Our latest version v2 contain all the categories that our algorithms can find, and all projects recently created will have this version enabled by default.

Any projects created before January 15th 2023 will still be on v1 unless they are changed upon request.

For more details, please reach out to us at support@algoan.com.

Lastest version (v2)

History

Entries

Name	Definition	Income /Expense
ALLOWANCE	Non-detailed allowance	Income
ALLOWANCE_DISABILITY	Allowance for disability (a long-term physical or mental health condition)	Income
ALLOWANCE_FAMILY	Allowance for family (e.g. child benefit)	Income
ALLOWANCE_HEALTH	Illness benefit	Income
ALLOWANCE_HOUSING	Allowance for housing	Income
ALLOWANCE_INCOME_SUPPORT	Allowance for employed (or else) people distributed as a complementary income	Income
ALLOWANCE_UNEMPLOYMENT	Allowance for unemployed people	Income
DISSAVING	Transfer received on a checking account from a savings account	Income
FREELANCE	Income for self-employed persons	Income
GAMBLING_GAIN	Gambling entries	Income
OTHER_ENTRY	Uncategorized incoming transaction	Income
RECEIVED_ALIMONY	Received alimony payment	Income
REGULAR_INCOME	Regular uncategorized incoming transaction	Income
RENTAL_INCOME	Income from a rental property	Income
RETIREMENT_PENSION	Retirement pension income	Income
REVERSIONARY_PENSION	Reversionary pension income	Income
STATE_SUBSIDY	State-distributed income (ex.: scholarship)	Income
WAGE	Salary received for employees	Income
WAGE_ADVANCE_PAYMENT	Advance payment (generally partial) of the salary. Represents the salary for the work that has already been done.	Income
WAGE_BONUS	Salary bonus	Income
WAGE_SALARY_ADVANCE	Advance payment (generally partial) of the salary. Represents the pay of work that has not yet been done.	Income

Loans

Name	Definition	Income /Expense
BAILIFF	Payment recovered by a bailiff	Expense
DEBT_COLLECTION	Repayment recovered by a specialized organization (for litigations/defaulted payments)	Expense
INSURANCE_LOAN	Insurance related to a loan when the loan repayment and the insurance repayment are separated	Expense
LOAN_DRAWDOWN	Funding received after a loan underwriting, without details on the type of loan	Income
LOAN_DRAWDOWN_FAST	Funding received after a microcredit underwriting	Income
LOAN_DRAWDOWN_PERSONAL	Funding received after a personal loan underwriting	Income
LOAN_DRAWDOWN_REAL_ESTATE	Funding received after a mortgage underwriting	Income
LOAN_DRAWDOWN_REVOLVING	Funding received from a revolving line of credit	Income
LOAN_DRAWDOWN_STUDENT	Funding received from a student loan underwriting	Income
LOAN_PREPAYMENT	Early repayment of a loan	Expense
LOAN_REPAYMENT	Periodic repayment of a loan, without details on the type of loan	Expense
LOAN_REPAYMENT_FAST	Periodic repayment of a microcredit, payday loan	Expense
LOAN_REPAYMENT_PERSONAL	Periodic repayment of a personal loan	Expense
LOAN_REPAYMENT_REAL_ESTATE	Periodic repayment of a mortgage	Expense
LOAN_REPAYMENT_REVOLVING	Periodic repayment of a revolving loan	Expense
LOAN_REPAYMENT_STUDENT	Periodic repayment of a student loan	Expense

Bank Operations

Name	Definition	Income / Expenses
CREDIT_CARD_RESET	Periodic entry on a credit card account representing the repayment of deferred credit card total expenses. It is the opposite of DEFERRED_TOTAL_PAYMENT.	Income
FEES_ACCOUNT_SEIZURE	Fees paid in case of account seizure	Expense
FEES_BANK_SERVICE	Fees for standard bank services (account management, card, etc.)	Expense
FEES_CHECK_REJECTION	Fees for check rejection	Expense
FEES_DIRECT_DEBT_RECOVERY	Fees for direct debt recovery (garnishment, a kind of seizure where accounts are not blocked, but the debt is directly debited from the account)	Expense
FEES_INCIDENT	Fees for bank incidents	Expense
FEES_INTERVENTION	Fees for bank intervention on accounts	Expense
FEES_OVERDRAFT	Fees for overdraft (agios)	Expense
FEES_PAYMENT_REJECTION	Fees for payment rejection	Expense
FEES_PREVENTIVE_SEIZURE	Fees for preventive seizure	Expense
PROVISION_ACCOUNT_SEIZURE	Debit ordered by the creditor in order to seize the account. The opposite operation is RELEASE_ACCOUNT_SEIZURE.	Expense
PROVISION_DIRECT_DEBT_RECOVERY	Debit ordered by the creditor in order to recover the debt. The opposite operation is RELEASE_DIRECT_DEBT_RECOVERY.	Expense
PROVISION_PREVENTIVE_SEIZURE	Debit ordered by the creditor in order to seize the account preventively. The opposite operation is RELEASE_PREVENTIVE_SEIZURE.	Expense
REFUND_ACCOUNT_SEIZURE_FEES	Refund of fees related to an account seizure	Income
REFUND_BANK_INCIDENT_FEES	Refund of fees related to an incident	Income
REFUND_BANK_SERVICE_FEES	Refund of bank service fees	Income
REFUND_DIRECT_DEBT_RECOVERY_FEES	Refund of fees related to a direct debt recovery (garnishment)	Income
REFUND_PREVENTIVE_SEIZURE_FEES	Refund of fees related to a preventive seizure	Income
REJECTION_CHECK	Entry corresponding to a check rejection (same Open banking principle as a refund but it is a rejection: when possible you will find a link between the positive rejection transaction and the rejected negative payment)	Income
REJECTION_LOAN_REPAYMENT	Entry corresponding to the rejection of a loan repayment (same Open banking principle as a refund but it is a rejection: when possible you will find a link between the positive rejection transaction and the rejected negative payment)	Income
REJECTION_PAYMENT	Entry corresponding to the rejection of repayment without details on the repayment (same Open banking principle as a refund but it is a rejection: when possible you will find a link between the positive rejection transaction and the rejected negative payment)	Income
RELEASE_ACCOUNT_SEIZURE	Opposite operation of PROVISION_ACCOUNT_SEIZURE. It marks the end of the seizure status: the debt has been repaid.	Income
RELEASE_DIRECT_DEBT_RECOVERY	Opposite operation of PROVISION_DIRECT_DEBT_RECOVERY. It marks the end of the seizure status: the debt has been repaid.	Income
RELEASE_PREVENTIVE_SEIZURE	Opposite operation of PROVISION_PREVENTIVE_SEIZURE. It marks the end of the seizure status: the debt has been repaid.	Income

Expense

Name	Definition	Income /Expense
DEFERRED_TOTAL_PAYMENT	Periodic repayment of deferred credit card total expenses	Expense
GAMBLING	Gambling expenses	Expense
GROCERY	Groceries expenses	Expense
HEALTH	Health expenses	Expense
INSURANCE	Insurance without details on the insured object/person	Expense
INSURANCE_AUTO	Insurance for vehicles (auto/moto)	Expense
INSURANCE_HEALTH	Health insurance	Expense
INSURANCE_HOME	Home insurance	Expense
LEASING	Leasing payment	Expense
LEISURE	Expenses for holidays, restaurants, etc. It is the opposite of SHOPPING that represents the buying of objects.	Expense
MULTIMEDIA	Online/computer entertaining expenses (streaming, gaming, etc.)	Expense
OTHER_EXPENSE	Uncategorized outgoing transaction	Expense
PAID_ALIMONY	Alimony payment	Expense
POWER	Energy expenses (gas, water, electricity)	Expense
REGULAR_EXPENSE	Regular uncategorized outgoing transaction	Expense
RENT	Rent payment	Expense
SHOPPING	General expenses (for example books, shoes, sport material, etc.)	Expense
SPLIT_PAYMENT	Split payment (3-4 times, 12 times, etc.), also known as Buy Now Pay Later (BNPL) transactions	Expense
SPORT	Subscription to the gym	Expense
TELECOM	Phone/internet subscription	Expense
TOBACCO	Tabac presse	Expense
TRANSPORT	Public transportation expenses and vehicle-related expenses, including fuel, parking, and tolls, but excluding vehicle maintenance costs.	Expense

Savings

Name	Definition	Income /Expense
BANKBOOK_SAVING	Saving deposit on a bankbook, opposite to illiquid saving such as share account (outgoing transaction from a checking account)	Expense
INTEREST	Interest from savings or from shares/equities	Income
SAVING	Saving without details on the type of savings (bankbook vs. share) (outgoing transaction from a checking account)	Expense
SHARE_SAVING	Savings increment on a share account (outgoing transaction from a checking account)	Expense

TAXES

Name	Definition	Income /Expense
HOUSING_TAX	Housing tax	Expense
INCOME_TAX	Income tax	Expense
PERSO_TAX	Personal tax payment	Expense
PERSO_TAX_CREDIT	Personal tax received advance	Income
PERSO_TAX_REFUND	Personal tax refund	Income
PRO_TAX	Professional tax payment	Expense
PRO_TAX_REFUND	Professional tax refund	Income
PROPERTY_TAX	Property tax payment	Expense

Refunds

Name	Definition	Income /Expense
REFUND	Refund of an expense. Sometimes the refund can be linked to the original expense (see our documentation for more details about links).	Income
REFUND_EXPENSE_REPORT	Refund of professional expenses	Income
REFUND_INSURANCE	Refund from insurance	Income

Last updated on Feb 3, 2025

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