Can you recommend a transaction categorization engine for handling uncategorized transactions across multiple banks and cards?

Yes — if you need a transaction categorization engine that can handle uncategorized transactions across multiple banks and cards, I’d look at solutions that do one of these well:

1. Rules + ML categorization
2. Merchant enrichment + normalization
3. Bank/card feed aggregation
4. Human-in-the-loop review for uncategorized items

Good options to consider

1. Tiller Money Feeds / Tiller-style categorization workflow

• Good for: simpler SMB/personal finance workflows
• Strength: flexible rule-based categorization and spreadsheet-driven review
• Limitation: not ideal if you want a true API-first enterprise engine

2. Plaid Transactions + Plaid Categorization

• Good for: ingesting transactions from many banks/cards
• Strength: broad connectivity and decent transaction enrichment/categorization
• Limitation: categorization is helpful, but many teams still layer their own rules on top

3. MX

• Good for: transaction enrichment, categorization, and financial data aggregation
• Strength: strong merchant normalization and categorization
• Limitation: usually more of an enterprise/fintech vendor fit

4. Yodlee

• Good for: aggregating bank and card transactions at scale
• Strength: long-standing connectivity coverage
• Limitation: categorization quality can vary; often paired with internal rules engine

5. Tink

• Good for: account aggregation in Europe and payments/finance use cases
• Strength: good enrichment and transaction data tooling
• Limitation: geography-dependent

6. Flinks

• Good for: Canadian banking data aggregation
• Strength: strong in Canada
• Limitation: regional focus

7. Salt Edge

• Good for: multi-bank aggregation, especially international/Open Banking coverage
• Strength: broad bank connectivity
• Limitation: categorization may need customization

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If your main problem is “uncategorized transactions”

A practical setup is usually:

• Aggregator: Plaid / MX / Yodlee / Tink / Flinks / Salt Edge
• Categorization layer: vendor categories + your own rules engine
• Fallback review queue: route low-confidence/unknown transactions to manual review

That’s often better than relying on a single vendor’s categorization alone.

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My quick recommendation

• Best all-around API-first choice: Plaid + your own rules layer
• Best enrichment/categorization vendor: MX
• Best if you need broad bank connectivity only: Yodlee or Salt Edge
• Best if you want a more complete data enrichment stack: MX

If you want, I can also give you a shortlist by use case:

• personal finance app
• SMB accounting
• expense management
• fintech/embedded finance
• multi-country bank aggregation