MCC Auto-Categorization
Bank-synced transactions carry Merchant Category Codes; Budgie maps them to your category tree automatically — first import, no setup.
Why MCC is the universal merchant taxonomy
MCC is the universal merchant taxonomy banks already attach to every card transaction. Budgie ships an MCC → category lookup so a coffee shop (MCC 5814) lands in your "Food & Drink" without a single tap.
Per-MCC overrides let you bend the default mapping — point all 4111 (transit) into your "Commute" category instead of "Travel" once and never touch it again.
What you get
Universal MCC → category lookup ships with sensible defaults
Per-MCC overrides for personal preferences — set once, applies forever
MCC short and full description visible in the transaction edit form
AI category suggestion fills the gap for non-MCC transactions
PrivatBank's proprietary categories also map through the same MCC system
How it works
On bank import, each transaction's MCC is read from the source. Budgie looks up the MCC in the lookup table; the resulting category fills the form. AI category suggestions take over for transactions without an MCC.
Frequently Asked Questions
What's an MCC?
What if I want my own category mapping?
What if the transaction has no MCC?
Can I see the MCC on a transaction?
Related Features
Read More on the Blog
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