Categories list
Ockto has fully in-house data models for enriching the bank transactions from PSD2 with valuable insights. Core to these insights is our engine for categorisation. Through intelligent modelling, we assign a detailed category to each transaction, which describes their functional meaning.
As of today, the data output only contains the category description, but the higher level grouping (like ‘income’ or ‘telecom’) is not provided in the output. This is just a conceptual grouping to make the list of categories easier to interpret.
The code attribute is work in progress and not yet available in the output.
Income Groups
We have specific categories that indicate various forms of income, including but not limited to salaries, government benefits and allowances.
If we detect an incoming payment that is periodically recurring, but we can not categorise it with further granularity, it will be categorised under 575 - Other recurring income
| Code | Description |
|---|---|
| 570 | Declarations |
| 575 | Other recurring income |
| 580 | AOW (state pension) |
| 585 | Government contributions, subsidies |
| 590 | Rent allowance |
| 595 | Holiday pay |
| 600 | Child benefit |
| 605 | Healthcare allowance |
| 610 | Salary |
| 615 | Dividends received |
| 620 | Childcare allowance |
| 625 | Interest received |
| 630 | School cost allowance |
| 635 | Child benefits |
| 640 | Pocket money received |
| 645 | Allowance received |
| 650 | Income tax repayment |
| 655 | Revenue |
| 660 | Cash deposit |
| 845 | WW benefits |
| 850 | WAO and WIA benefits |
| 855 | Sickness benefits |
| 860 | Other benefits |
| 865 | Social assistance |
| 870 | Pension income |
| 875 | Alimony received |
| 900 | Rental income |
Expense Groups
Expenses consist of outgoing payments, and are categorised in a highly granular way.
Inventory and maintenance
| Code | Description |
|---|---|
| 5 | Inventory/furnishing |
| 10 | Home and garden maintenance |
| 15 | Storage |
| 20 | Maintenance contracts |
| 25 | Rental contracts |
Transport
| Code | Category |
|---|---|
| 30 | Fuel |
| 35 | Public transport |
| 40 | Car repayment/depreciation |
| 45 | Car or motor maintenance |
| 50 | Road tax |
| 55 | Parking |
| 60 | Car rental or lease |
| 65 | Bicycle |
| 70 | Fines |
| 75 | Toll |
| 890 | Taxi and shared transport |
Telecom
| Code | Category |
|---|---|
| 80 | Internet |
| 85 | All-in-one telecom package |
| 90 | Mobile phone |
| 95 | Television |
| 100 | Landline phone |
Healthcare
| Code | Category |
|---|---|
| 105 | Reimbursed medical expenses |
| 110 | Deductible |
| 115 | Personal contribution |
| 120 | Non-reimbursed medical expenses |
| 125 | Over-the-counter medicines |
Other fixed expenses
If we detect an outgoing payment that is periodically recurring, but we can not categorise it with further granularity, it will be categorised under 185 - Other fixed expenses
| Code | Category |
|---|---|
| 130 | Advertising and promotion |
| 135 | Alimony (paid) |
| 145 | Bank and credit card fees |
| 155 | Payment requests |
| 160 | Internet transactions |
| 165 | Interest paid (loans and overdrafts) |
| 170 | Credit card |
| 175 | Investments |
| 185 | Other fixed expenses |
| 190 | Allowance paid |
| 195 | Advisory costs |
| 200 | Purchases |
Household expenses
| Code | Category |
|---|---|
| 250 | Lotteries |
| 255 | Miscellaneous household expenses |
| 260 | Laundry and cleaning products |
| 265 | Pocket money paid |
| 270 | Other expenses |
| 275 | Gifts and presents |
| 280 | Pets |
| 285 | Cash withdrawal |
| 290 | Plants and flowers |
| 295 | Personal care |
| 300 | Food and snacks |
| 305 | Top-up payment systems |
| 835 | Personal care products |
Housing costs
| Code | Category |
|---|---|
| 310 | Rent |
| 315 | Service charges, leasehold, etc. |
| 320 | Water |
| 325 | Mortgage |
| 330 | Gas |
| 335 | Electricity |
| 340 | Municipal levies |
| 345 | Energy |
| 350 | Security |
| 355 | Water purification levy (water authority |
| 360 | Property tax |
| 365 | Resident levy (water authority) |
| 370 | Sewer tax (municipality) |
| 375 | Building levy (water authority) |
| 380 | Water tax |
Clothing and shoes
| Code | Category |
|---|---|
| 385 | Jewellery and accessories |
| 390 | Clothing and shoes |
Insurances
| Code | Category |
|---|---|
| 395 | Liability insurance |
| 400 | Other insurances |
| 405 | Home contents insurance (fire, burglary) |
| 410 | Car/motor insurance |
| 415 | Health insurance |
| 420 | Funeral insurance |
| 425 | Life insurance, pensions |
| 430 | Home/structure insurance |
| 435 | Travel insurance |
| 440 | Legal assistance insurance |
| 445 | Bicycle insurance |
| 450 | Pet insurance |
| 455 | Investment insurance |
| 460 | Moped insurance |
| 465 | Term life insurance (ORV) |
| 470 | Cancellation insurance |
| 475 | Disability insurance |
| 480 | Insurance package |
| 485 | Mortgage savings insurance |
| 490 | Equipment insurance |
| 495 | Study insurance |
| 500 | Business insurance |
| 505 | Camper insurance |
| 510 | Boat insurance |
| 515 | Caravan insurance |
| 520 | Accident insurance |
| 525 | Housing expenses insurance |
| 530 | Credit protection insurance |
| 535 | Horse insurance |
| 540 | Warranty insurance |
| 545 | Capital insurance |
| 550 | Roadside assistance insurance |
| 555 | Old-timer insurance |
| 560 | Claims |
| 565 | Absence insurance |
Taxes
| Code | Category |
|---|---|
| 665 | Dividend tax |
| 670 | Tax assessments |
| 675 | Tax refunds/discounts |
| 680 | Corporate income tax |
| 685 | Health insurance act |
| 690 | Inheritance tax |
| 695 | Gift tax |
| 700 | Transfer tax |
| 705 | Turnover tax |
| 710 | Wage tax |
| 895 | Other taxes |
Leisure
| Code | Category |
|---|---|
| 715 | Hobbies |
| 720 | Gambling |
| 725 | Weekend/day trips |
| 730 | Going out |
| 735 | Books, magazines, music, games, and movies |
| 740 | Holidays |
| 745 | Relaxation |
| 840 | Fastfood, takeaway, and delivery |
| 880 | Sports |
| 885 | Dining out |
Education
| Code | Category |
|---|---|
| 750 | Childcare costs |
| 755 | Adult education costs |
| 760 | School and study costs |
Subscriptions and memberships
| Code | Category |
|---|---|
| 765 | Sports club memberships |
| 770 | Newspaper/magazine subscriptions |
| 775 | Other memberships/subscriptions |
| 780 | Charities |
Loans and credit
| Code | Category |
|---|---|
| 150 | Loans/debts and repayments |
| 805 | Received - loan/credit |
| 806 | Repayment and interest - flash credit |
| 810 | Repayment and interest - collection agency |
| 815 | Repayment and interest - bailiff |
| 820 | Repayment and interest - student loans |
| 825 | Repayment and interest - other companies |
| 830 | Repayment and interest - individuals |
Business expenses
| Code | Category |
|---|---|
| 785 | Accounting costs |
| 790 | Notary costs |
| 795 | Legal advisory costs |
| 800 | Financial advisory costs |
| 905 | Salaries |
Internal Booking Groups
Internal bookings are transfers to other owned accounts, which are therefore not to be considered a form of expense or income.
| Code | Category |
|---|---|
| 140 | Recurring savings |
| 205 | From own account |
| 210 | To own account |
| 215 | To payment account |
| 220 | From cash book |
| 225 | From payment account |
| 230 | From savings account |
| 235 | To savings account |
| 240 | To cash book |
| 245 | To/from own account |
| 246 | To crypto account |
Uncategorised Transaction Groups
If we are unable to categorise a bank transaction with enough certainty, we will assign one of the following categories:
| Code | Category |
|---|---|
| 998 | Uncategorised expenses |
| 999 | Uncategorised income |
