Automatic rules
Rules are how you give Finvot standing orders: "if the merchant contains Rappi → category Delivery". When a new transaction matches a rule, the rule wins — no AI guessing, no manual fixing.
You'll find them under Profile → Management → Categorization Rules, with two tabs: Categories (rules that assign a category) and Accounts (rules that assign the transaction to one of your accounts).
Create a category rule
The most common case: making a merchant's purchases always land in the category you want.
Go to Profile → Management → Categorization Rules and tap +
In “What field to analyze?”, choose Merchant/Store
Type the text to search
For example: Rappi. Case doesn't matter.
In “How to match?”, keep “Contains”
That way "Rappi" matches even if the merchant comes through as "RAPPI*COLOMBIA BOG".
For the action, choose “Assign category” and pick the target category
If the category doesn't exist yet, create it right there with the + button.
Save
Use the live preview as your guide: it should read like a sentence that makes sense — "If the merchant contains 'Rappi' → then categorize as 'Delivery'".
Finvot creates rules for you
When you manually recategorize a transaction, Finvot automatically creates the matching rule (merchant → your category) so you never fix the same thing twice. You can view, edit, or disable those rules in the same list.
The options, explained
Every rule reads the same way: if [field] [matches] "text" → then [action]. Here's what you can choose for each part:
The field: where to look for the text
For most rules, Merchant/Store is all you need. The other fields are for cases where the distinguishing detail lives in the original message:
| Field | Applies to | Can assign |
|---|---|---|
| Merchant/Store | Any transaction | Category |
| Transaction description | Any transaction | Category |
| Email subject / sender / body | Email transactions | Category or account |
| SMS text | SMS transactions | Category or account |
| WhatsApp text | WhatsApp transactions | Category or account |
The match type: how to search
- Contains — the text appears anywhere. The one you'll want almost always.
- Exact match — the whole field equals the text.
- Starts with / Ends with — for patterns at the beginning or the end.
None of them are case-sensitive.
Priority: who wins when several match
Every rule has a priority from 0 to 1000 (default 100). If two rules match the same transaction, the higher number wins. Finvot applies at most one category rule and one account rule per transaction.
Create an account rule
If you have more than one account (say, a savings account and a credit card at the same bank), these rules tell Finvot which one each transaction belongs to:
Find a text that identifies the account
Open an alert email or SMS and look for something unique: the card's name ("Visa Infinite"), the last digits ("*4321"), etc.
Create the rule with that text
Field: Email body (or SMS text) · Contains: "Visa Infinite" · Action: Assign account → DAVIBank CC.
If you only have one account, you don't need account rules: everything is assigned to it automatically.
How rules are applied
- New transactions only — rules don't modify historical transactions. To fix the past, edit those transactions manually.
- The rule beats the AI — if a rule matches, its category/account is used instead of the AI's suggestion.
- They respect the type — a rule assigning an expense category won't apply to an income, and transfers between accounts don't take a category.
- Enable/disable — every rule has a switch; inactive rules aren't applied but aren't lost. The list shows how many times each one has been used.
- No limit — create as many rules as you need, on any plan.