What did
the bank actually mean?
You just got a rejection. Pick the category, then the specific phrasing the bank used. The decoder translates bank-speak to the underlying control concern, tells you whether the rejection is remediable, partially remediable, or terminal, and gives you the three priority moves to action before any re-application — plus where to apply next, framed as tier archetypes (no named institutions).
Patterns appear once a category is selected
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- Pick the category that best fits the rejection — start with the most specific one that applies.
- Select the closest specific phrasing. The decode appears on the right.
- Optionally paste the bank's wording — it stays on your device, used only for your own reference.
Select a category and the specific phrasing the bank used. The verdict, translation, and re-apply guidance will land here.
27 patterns covered across 10 categories.
For orientation only — not financial, legal, regulatory, or investment advice. Outputs are directional and based on generalised inputs. Decisions should be taken only after consultation with a qualified adviser on your specific facts — book the full assessment before acting on anything you read here.
Numbers shown exclude finconduit fees and any third-party costs (legal, audit, regulator-mandated experts, banking-relationship fees, document-translation, ongoing supervisory levies, or local agent / service-provider charges). Real-world authorisation budgets typically exceed the headline regulator-side numbers by a meaningful multiple.
Dataset version 2026-06-08 · 27 patterns