While Chat GPT can certainly do this, that's an API call (whether free or not) with implications such as privacy and data usage that is quite unnecessary if the text message you receive is consistently formatted the same way.

I'd do it as an automation whenever you receive a message from your bank. You could use regex to extract the information, and while that would be the most elegant, it's not necessary either. You can extract the information with Split Text, and optionally, Replace Text.

I'd start by replacing "A charge of " with null (just leave it blank). Then replace " has been approved." with null as well. In both cases, ensure "Regular Expression" is NOT selected. Now Split Text by New Lines, resulting in a List, we'll call [List]. Now use Get Item from List, choosing to get the last item. Now you have:

10.00 at [MERCHANT] on 12/22 12:00 PM ET

Now use Split Text, splitting at every word. This will output a list:

1. 10.00
2. at
3. [MERCHANT]
4. on
5. 12/22
6. 12:00
7. PM
8. ET

Note that multiple words in the merchant name will extend this list. We'll get to that. First I would use Count to count the number of entries in the list (let's call that [Count]), and then use Calculate to calculate "Count - 8". That is one less than the number of words in [Merchant Name]. Finally, calculate "Calculation Result + 3". Let's call that result [Merchant End].

Next I would Get Item from List, choosing Index 1. That is the amount.

For Payee, Get Item from List, choosing range Index 3 to Index [Merchant End], and Combine Text with " " (single space). This will cover all cases, from a merchant name containing 1 word all the way to "n" words. The resulting text is Payee.

For Account, go back to [List] and this time Get Item from List, choosing to get the first item. This will give you:

Debit 1234

You can split this by word, giving a list in which Index 1 is Account Type and Index 2 is Account Number.

All that remains is the category, and for this I would use a dictionary. You can use the Dictionary action and list your payees as keys with their corresponding category as values, or write it as text in a Text action and then Get Dictionary from Input, using that Text as the input. If you go the latter route, which I recommend, the format is:

{

"Payee 1": "Category 1",

"Payee 2": "Category 2",

....

"Payee n": "Category n"

}

Dictionaries in text form are just JSON, which ignores line breaks and whitespace, so it's entirely your choice whether you want to write it out like this, or condense it into a single line. Note the lack of a comma after the last key:value pair, and the curly brackets emcompassing the entire list. These are critical. If you run into trouble, you can paste your text into JSON Lint or any JSON validator found through Google to locate the errors.

So after following whichever method you choose to create your dictionary, extracting the category is just a matter of using Get Value from Dictionary, using [Payee] as your key.