Bank codes sort your spending
Bank-synced transactions carry Merchant Category Codes; Budgie maps them to your category tree automatically, first import, no setup.
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- Free, no account
- Works offline
- Source-available
Categories before you type
Budgie turns the merchant category code the bank attaches to each card transaction into one of your own categories.
The bank already told you what it was
Every card transaction carries a merchant category code. Silpo arrives on the expense form with its Grocery code shown under the merchant name.
Mapped to your tree
The code resolves to one of your categories — here Groceries — before you open the form.
Override once, remember forever
Change the category and a Quick rule pill appears above the amount, offering to keep the override for that merchant.
- The bank's category code
- Mapped to your category
- Quick rule offered
- Override the category
Sorted before you open the form
merchant codes already mappedCafes, fuel, transit and the rest land in your categories with no setup.
to remember an overrideAfter you change a category, the Quick rule pill keeps your choice.
by default, one switch to turn offPrefer to categorize by hand? Turn it off in Settings.
From bank code to category
Silpo arrives with its Grocery code, and Groceries is already set.
- The bank's code, under the merchant
- Your category, filled in for you
What you get
Categories assigned for you
Default categories for about 1,050 merchant category codes, on by default
Override once, remembered
Override a category once and a Quick rule remembers it for that merchant
Your history fills the gaps
Suggestions from your own history fill the gap for transactions without a code
Everything included
- The merchant category shows under the merchant name on the transaction form
- PrivatBank's own categories are translated to merchant codes too
The details
For when you want to know exactly how it behaves.
Why MCC is the universal merchant taxonomy
MCC is the universal merchant taxonomy banks already attach to every card transaction. Budgie ships a lookup for about 1,050 codes, so a cafe (MCC 5814) lands in "Restaurants & Cafes", a fuel stop (5541, 5542) in "Car & Fuel" and transit (4111) in "Transportation" without a single tap.
Want a different category? Change it once and tap the Quick rule pill to remember it for that merchant, or write a rule on the merchant code yourself. Prefer to categorize everything by hand? Turn off "Auto-assign categories from MCC" in Settings — it is on by default.
Questions
What's an MCC?
Merchant Category Code — the universal 4-digit code your bank attaches to every card transaction. 5814 is "fast food", 4111 is "transit", 5411 is "grocery stores", and so on.
What if I want my own category mapping?
Change the category on a transaction and tap the Quick rule pill: Budgie remembers your choice for that merchant. To change a whole code at once, write a rule with the merchant code as the condition and pick your category.
What if the transaction has no MCC?
Manual entries don't have MCC; some bank-sync flows drop it. Suggestions from your own history help there, and so do rules you write.
Can I see the MCC on a transaction?
Yes — the merchant category appears under the merchant name on the transaction form for any bank-synced row.
Ready to take Budgie for a spin?
Join the waitlist — be first to try the offline-first expense tracker.