Rules & Merchants

Rules are applied during import and can also be used to update existing analyzed rows. User rules override system rules.

How rules work

When you upload a file, Pinke normalizes the raw rows (building a full-text search blob and detecting merchants via aliases). When you analyze, the pipeline applies: user rules → merchant defaults → system rules → ML fallback → review queue. User rules always win.

Example

Input: Text contains "grundsteuer b"

Rule applied: system.housing › housing.tax.grundsteuer_b

Result: category=housing, subcategory=tax, group=fixed_costs

Text matching: contains vs. matches

contains — Simple substring search (case-insensitive). "aws" matches "AWS Emea Luxembourg"

matches (regex) — Regular expression pattern for advanced matching.

Pattern	Matches	Use case
amzn.*mktp	AMZN MKTP DE S1234	Wildcard between words
paypal.*\d{4}	PAYPAL REF 8812	Match digits (\d = digit)
(rewe\|aldi\|lidl)	REWE SAGT DANKE	Match any of several words

Tip: Use contains for simple keywords. Use regex only when you need wildcards or alternatives.

Your rules

Personal rules that override system rules. Supports text, merchant, and amount matching.

0 / 7

No user rules yet.

System rules

Read-only rules grouped by category.

Categories: 23, Subcategories: 53

Fixed Costs

Housing – Broadcast Fee, Electricity, Heating, Rent, Storage, Tax, Waste, Water

housing.utilities.stadtwerke

When the text matches 'stadtwerke'

Set

group fixed_costs,

category housing,

subcategory electricity

and tags fixed_costs, housing, utilities, contract

housing.tax.grundsteuer_b

When the text matches 'grundsteuer\s*b'

Set

group fixed_costs,

category housing,

subcategory tax

and tags housing, contract

housing.rent

Set

group fixed_costs,

category housing,

subcategory rent

and tags fixed_costs, housing, contract

housing.utilities.broadcast.gez

When the text matches 'Rundfunk\s+Ard|Zdf|Dradio|Beitragsservice'

Set

group fixed_costs,

category housing,

subcategory broadcast_fee

and tags fixed_costs, housing, fees

housing.utilities.heating.btb

When the text matches '\bBTB\s+Energie\b'

Set

group fixed_costs,

category housing,

subcategory heating

and tags fixed_costs, housing, utilities

housing.utilities.waste

When the text matches 'abfall|abfallgeb(ü|ue)hren|m(ü|ue)ll'

Set

group fixed_costs,

category housing,

subcategory waste

and tags fixed_costs, housing, utilities

housing.utilities.water_wab_panke_finow

When the text matches '(wasser-?\s+und\s+abwass|panke\s+finow)'

Set

group fixed_costs,

category housing,

subcategory water

and tags fixed_costs, housing, utilities

housing.utilities.heating_btb

When the text matches '\bbtb\s+energie\b'

Set

group fixed_costs,

category housing,

subcategory heating

and tags fixed_costs, housing, utilities

housing.storage.selfstorage

When the text matches '(selfstorage|dein\s+lagerraum)'

Set

group fixed_costs,

category housing,

subcategory storage

and tags fixed_costs, housing, utilities

housing.utilities.vattenfall

When the merchant is Vattenfall and the amount is negative

Set

group fixed_costs,

category housing,

subcategory electricity

and tags fixed_costs, contract

housing.rent.degewo

When the merchant is Degewo and the amount is negative

Set

group fixed_costs,

category housing,

subcategory rent

and tags fixed_costs, contract

Telecom – Mobile & Internet

telecom.mobile_internet

Set

group fixed_costs,

category telecom,

subcategory mobile_internet

and tags telecom, mobile, internet, communication

telecom.hosting.strato

When the merchant is STRATO and the amount is negative

Set

group fixed_costs,

category telecom,

subcategory mobile_internet

and tags fixed_costs, contract

Tax – Income Tax

tax.finanzamt

When the text matches 'finanzamt|steuernummer'

Set

group fixed_costs,

category tax,

subcategory income_tax

and tags obligations, contract

Insurance – Car, General, Life

insurance.ergo

When the text matches 'lebensvers'

Set

group fixed_costs,

category insurance,

subcategory life

and tags fixed_costs, contract

insurance.auto.allianz_direct

When the text matches 'allianz direct vers\. ag'

Set

group fixed_costs,

category insurance,

subcategory car

and tags car, fixed_costs, contract

insurance.universa

When the text matches 'uniVersa'

Set

group fixed_costs,

category insurance,

subcategory life

and tags fixed_costs, contract

insurance.health.general

When the text matches 'versicherung'

Set

group fixed_costs,

category insurance,

subcategory general

and tags fixed_costs

Health – Refunds

refund.health.tk

When the text matches 'Techniker\s+Krankenkasse' and the amount is positive

Set

group fixed_costs,

category health,

subcategory refunds

and tags refund, health

Daily Life

Housing – Furnishing, Maintenance, Refunds

housing.maintenance.ikea

When the merchant is IKEA and the amount is negative

Set

group daily_life,

category housing,

subcategory furnishing

and tags housing

refund.housing.ikea

When the merchant is IKEA and the amount is positive

Set

group daily_life,

category housing,

subcategory refunds

and tags housing, refund

housing.maintenance.hagebaumarkt

When the merchant is hagebaumarkt and the amount is negative

Set

group daily_life,

category housing,

subcategory furnishing

and tags housing

housing.maintenance.jysk

When the merchant is JYSK and the amount is negative

Set

group daily_life,

category housing,

subcategory furnishing

and tags housing

housing.maintenance.baumarkt.obi

When the merchant is OBI and the amount is negative

Set

group daily_life,

category housing,

subcategory maintenance

and tags housing

housing.maintenance.baumarkt.toom

When the merchant is TOOM and the amount is negative

Set

group daily_life,

category housing,

subcategory maintenance

and tags housing

Food – Casual Dining, Dining, Fast, Fast Food, Kids Meals

food.casualfood

Set

group daily_life,

category food,

subcategory casual_dining

and tags leisure, personal

food.fastfood.mcdonalds

When the merchant is McDonalds

Set

group daily_life,

category food,

subcategory fast

and tags food

food.restaurant.generic

When the text matches 'restaurant'

Set

group daily_life,

category food,

subcategory dining

and tags leisure

food.restaurant.generic2

When the text matches 'Milagro|GOLDENER.STERN|Ratskeller'

Set

group daily_life,

category food,

subcategory dining

and tags leisure, restaurant

food.fast.grumpy

Set

group daily_life,

category food,

subcategory fast_food

and tags dining, fast_food

food.casualfood.bakery

When the merchant is Bäckerei

Set

group daily_life,

category food,

subcategory casual_dining

and tags food

food.restaurant.bella

When the merchant is Ciao Bella

Set

group daily_life,

category food,

subcategory dining

and tags leisure

food.kids.meals

When the text matches '(essengeld)'

Set

group daily_life,

category food,

subcategory kids_meals

and tags kids, contract

Groceries – Discounter, Organic, Supermarket

groceries.supermarket

When the text matches 'kaufland|Supermarkt|Markt'

Set

group daily_life,

category groceries,

subcategory supermarket

and tags food

groceries.supermarket.edeka

When the merchant is EDEKA

Set

group daily_life,

category groceries,

subcategory supermarket

and tags food

groceries.supermarket.rewe

When the merchant is REWE

Set

group daily_life,

category groceries,

subcategory supermarket

and tags food

groceries.discounter

When the text matches '(lidl|aldi|\bnetto\b|\bpenny\b)'

Set

group daily_life,

category groceries,

subcategory discounter

and tags food, budget

groceries.organic

Set

group daily_life,

category groceries,

subcategory organic

and tags food, organic

Drugstore – Personal Care, Pharmacy

drugstore.personal_care

Set

group daily_life,

category drugstore,

subcategory personal_care

and tags health, hygiene

drugstore.pharmacy

When the text matches '(apotheke|apotheken|apotheker)'

Set

group daily_life,

category drugstore,

subcategory pharmacy

and tags health, pharmacy

drugstore.pharmacy2

When the merchant is Apotheke

Set

group daily_life,

category drugstore,

subcategory pharmacy

and tags health, pharmacy

drugstore.vision.fielmann

When the text matches 'fielmann|AUGENOPTIK'

Set

group daily_life,

category drugstore,

subcategory pharmacy

and tags personal, health

Car – Fuel, Maintenance, Parking, Tax

car.fuel

Set

group daily_life,

category car,

subcategory fuel

and tags car, transport

car.fuel.esso

When the text matches '\bEsso\b'

Set

group daily_life,

category car,

subcategory fuel

and tags car, esso

car.parking.parkovaci_kasy

When the merchant is Parkovaci kasy and the amount is negative

Set

group daily_life,

category car,

subcategory parking

and tags parking, travel, foreign, debit_card

car.parking

When the text matches '(\bparken\b|\bparkhaus\b|\bparkplatz\b|\btiefgarage\b|\bp\+r\b)'

Set

group daily_life,

category car,

subcategory parking

and tags parking, car, transport

car.workshop.amw

When the text matches 'AMW-?Automobilwerkstatt'

Set

group daily_life,

category car,

subcategory maintenance

and tags car

car.maintenance.garage

When the text matches 'automobil.*werkstatt|auto.*service'

Set

group daily_life,

category car,

subcategory maintenance

and tags car, unexpected

car.tax.kfz_steuer

When the text matches 'kfz[-\s]?steuer'

Set

group daily_life,

category car,

subcategory tax

and tags car, contract

Shopping – Kiosk, Online, Postage, Refunds, Stationery

shopping.postage.deutsche_post

When the text matches '(deutsche\.?post|\bdhl\b)' and the amount is negative

Set

group daily_life,

category shopping,

subcategory postage

and tags —

shopping.stationery.mcpaper

When the text matches 'mcpaper|MAeC.GEIZ' and the amount is negative

Set

group daily_life,

category shopping,

subcategory stationery

and tags kids, education

shopping.kiosk.eckert

When the merchant is Eckert and the amount is negative

Set

group daily_life,

category shopping,

subcategory kiosk

and tags kiosk, local, debit_card

shopping.online.amazon_marketplace

When the text matches 'AMZN Mktp|AMZN\.Mktp|Amazon\.de' and the amount is negative

Set

group daily_life,

category shopping,

subcategory online

and tags shopping

shopping.online.amazon_prime

When the text matches 'AMAZON.PRIM|AMAZON' and the amount is negative

Set

group daily_life,

category shopping,

subcategory online

and tags shopping, prime, abo

refund.amazon

When the text matches '\bamazon\b|amzn' and the amount is positive

Set

group daily_life,

category shopping,

subcategory refunds

and tags refund

refund.paypal

When the text matches 'PayPal' and the amount is positive

Set

group daily_life,

category shopping,

subcategory refunds

and tags refund

Leisure – Subscriptions

leisure.subscriptions.prime_video

When the text matches 'prime\.?video' and the amount is negative

Set

group daily_life,

category leisure,

subcategory subscriptions

and tags leisure

Transport – Bike, Public Transport

transport.public

When the text matches 'Deutsche Bahn|\bDB\b|BVG|MVG|RMV|HVV|VRS|VBN|HBF'

Set

group daily_life,

category transport,

subcategory public

and tags —

transport.public.sbahn

When the text matches 's.bahn'

Set

group daily_life,

category transport,

subcategory public

and tags —

transport.sbahn.berlin

When the text matches 's\s?bahn\s+automat\s*b'

Set

group daily_life,

category transport,

subcategory public

and tags —

transport.bike.workshop

When the text matches 'fahrradwerkstatt|bike\s*werkstatt'

Set

group daily_life,

category transport,

subcategory bike

and tags —

transport.db.deutschlandticket

When the merchant is Deutschlandticket

Set

group daily_life,

category transport,

subcategory public

and tags mobility, contract

transport.vbb.entgelte

When the text matches 'vbb|voebb'

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.bolt

When the merchant is BOLT and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.uber

When the text matches '\buber\b|uber\s*\*|uber\s+trip' and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.lyft

When the text matches '\blyft\b|lyft\s*\*' and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.grab

When the text matches 'grabcar|grab\s*ride|grabtaxi|grab\s*\*' and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.ola

When the text matches 'ola\s*cabs|olacabs' and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

transport.ride_hailing.didi

When the text matches 'didi\s*ride|didi\s*mobility|\bdidi\b' and the amount is negative

Set

group daily_life,

category transport,

subcategory public

and tags mobility

Clothing – Fashion, Refunds, Shoes

refund.clothing

Set

group daily_life,

category clothing,

subcategory refunds

and tags refund

clothing.h_and_m

When the text matches 'H&M|H.M.|C.A.|HUMANA|DER.AUSSTEIGER' and the amount is negative

Set

group daily_life,

category clothing,

subcategory fashion

and tags personal

clothing.fashion.tkmaxx

When the merchant is TK Maxx and the amount is negative

Set

group daily_life,

category clothing,

subcategory fashion

and tags clothing, retail, debit_card

clothing.shoes.deichmann

When the text matches 'deichmann|reno|kiss' and the amount is negative

Set

group daily_life,

category clothing,

subcategory shoes

and tags personal

clothing.fashion.vinted

When the text matches '(\bvinted\b|mgp\*vinted)' and the amount is negative

Set

group daily_life,

category clothing,

subcategory fashion

and tags —

clothing.fashion.general

When the text matches 'ernsting.s.family|Kraemer.Pferdesport|Sporthaus.Olympia' and the amount is negative

Set

group daily_life,

category clothing,

subcategory fashion

and tags personal

Family

Education – Tuition

education.alice_salomons

When the text matches 'alice\s+salomon\s+hochschule'

Set

group family,

category education,

subcategory tuition

and tags fixed_costs, contract

Fun Lifestyle

Gifts – Flowers, General

gifts.flowers.blume2000

When the merchant is Blume 2000

Set

group fun_lifestyle,

category gifts,

subcategory flowers

and tags —

gifts.general.nanu_nana

When the merchant is NANU.NANA

Set

group fun_lifestyle,

category gifts,

subcategory general

and tags gifts

Charity – Donation

charity.spende

When the merchant is Donation

Set

group fun_lifestyle,

category charity,

subcategory donation

and tags giving

Leisure – Books, Gambling, General, Subscriptions, Wellness

leisure.books.buchhandlung

When the text matches 'buchhandl'

Set

group fun_lifestyle,

category leisure,

subcategory books

and tags education

leisure.gambling.lotto

When the text matches 'lotto'

Set

group fun_lifestyle,

category leisure,

subcategory gambling

and tags —

leisure.wellness.sonnenstudio

When the merchant is Sonnenstudio and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory wellness

and tags leisure

leisure.aquarium.erkner

When the merchant is Aquarium Erkner and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory general

and tags aquarium, local, debit_card

leisure.subscriptions.netflix

When the text matches '\bnetflix\b' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

leisure.subscriptions.spotify

When the text matches '\bspotify\b' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

leisure.subscriptions.disney_plus

When the text matches 'disney\s*(\+|plus)' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

leisure.subscriptions.youtube_premium

When the text matches 'youtube\s*premium|google\s*\*?\s*youtube' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

leisure.subscriptions.hotstar

When the text matches 'hotstar|jiohotstar|disney\+\s*hotstar' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

leisure.subscriptions.anghami

When the text matches '\banghami\b' and the amount is negative

Set

group fun_lifestyle,

category leisure,

subcategory subscriptions

and tags subscription, entertainment, abo

Sports – Equipment

sports.decathlon

When the text matches 'decathlon'

Set

group fun_lifestyle,

category sports,

subcategory equipment

and tags leisure, health

Vacation – Trip

vacation.sweden

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags —

vacation.accommodation.ferienhof

When the text matches 'Ferienhof'

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.djh

When the text matches 'djh|jugendherberge'

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.hotel.generic

When the text matches 'hotel'

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.airbnb

When the text matches 'airbnb' and the amount is negative

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.booking

When the text matches 'booking\.?com|booking\s*b\.?v\.?' and the amount is negative

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.agoda

When the text matches '\bagoda\b|agoda\.?com' and the amount is negative

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.trip_com

When the text matches 'trip\.?com|ctrip' and the amount is negative

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

vacation.accommodation.oyo

When the text matches '\boyo\b|oyo\s*rooms' and the amount is negative

Set

group fun_lifestyle,

category vacation,

subcategory trip

and tags vacation

Finance & Misc

Transfer – P2P, Wallet

transfers.wallet.paypal_topup

When the text matches '(paypal\s*\(europe\)|paypal\s+europe|paypal)' and the text matches

Set

group finance_misc,

category transfer,

subcategory wallet

and tags —

transfers.p2p.paypal_visa_direct

When the text matches '(visa\.direct|^PAYPAL\.\.)'

Set

group finance_misc,

category transfer,

subcategory p2p

and tags —

Banking – Cash Deposit, Cash Withdrawal

banking.cash_withdrawal.generic_atm

When the text matches '\b(sparkasse|volksbank|raiffeisen)\b' and the text matches 'd…

Set

group finance_misc,

category banking,

subcategory cash_withdrawal

and tags —

banking.cash_deposit.sb_einzahlung

When the text matches 'sb-?einzahlung' and the amount is positive

Set

group finance_misc,

category banking,

subcategory cash_deposit

and tags cash, deposit, atm

Savings – Savings Out

transfers.savings.internal

When the text matches 'de23100123450351479101' or the text matches 'de97120300001201…

Set

group finance_misc,

category savings,

subcategory savings_out

and tags transfer, transfer_out, savings

Transfer In – Transfer In

transfers.transfer_in.internal

When the text matches 'de23100123450351479101' or the text matches 'de97120300001201…

Set

group finance_misc,

category transfer_in,

subcategory transfer_in

and tags transfer, transfer_in

Income – Child Benefit, Salary

income.salary

When the text matches 'gehalt|lohn|einkommen' and the amount is positive

Set

group finance_misc,

category income,

subcategory salary

and tags —

income.kindergeld

When the text matches 'familienkasse'

Set

group finance_misc,

category income,

subcategory child_benefit

and tags —