The five lower fetters: the closest bonds
Lower (orambhāgiya) means belonging to the lower part: these five fetters bind the mind to the sense sphere. Identity view (sakkāya-diṭṭhi) is taking body and mind as «me» and «mine». Doubt (vicikicchā) is drawn-out wavering about the Buddha, the Dhamma, the Sangha and the path, unlike healthy inquiry. Attachment to rites and rules (sīlabbata-parāmāsa) does not mean dropping precepts or ceremonies; it means dropping the belief that rituals or observances alone are enough for liberation. Sensual desire (kāmarāga) and aversion (paṭigha) are wanting more and pushing away. The discourse on Lower Fetters (SN 45.179) says the noble eightfold path is developed to abandon these five fetters.
The five higher fetters: the subtle bonds
Higher (uddhambhāgiya) means belonging to the upper part: the subtle bonds that remain when the coarse ones have been cut. Desire for form and for the formless (rūparāga, arūparāga) is relishing existence in the form and formless realms; the discourse on Higher Fetters (SN 45.180) and the Reciting in Concert discourse (DN 33) translate them slightly differently. Conceit (māna) is measuring; the Reciting in Concert discourse lists three conceits: thinking oneself better than, equal to or worse than others. Restlessness (uddhacca) is a mind agitated and not fully settled. Ignorance (avijjā) is not seeing clearly suffering, its origin, its cessation and the path. SN 45.180 says the same about these five fetters.
Cutting the three fetters: entering the stream
The three fetters are identity view, doubt and attachment to rites and rules, as the Reciting in Concert discourse (DN 33) lists them. The Mindfulness of Breathing discourse (MN 118) describes monks who have cut the three fetters as stream-enterers (sotāpanna): no longer bound for the lower realms and firmly headed for awakening. The discourse on All the Defilements (MN 2) shows the three fetters being abandoned through wise attention to suffering, its origin, its cessation and the path, that is, through seeing, not through a ritual or an unusual experience. So «cutting the three fetters» is not a feeling of relief after a retreat, but a change in how one sees.
The four noble persons described by the fetters
The Mindfulness of Breathing discourse (MN 118) says the community of monks includes every kind. Those who have cut three fetters are stream-enterers. Those who have cut three fetters and weakened greed, hatred and delusion are once-returners, coming back to this world once more and then ending suffering. Those who have cut the five lower fetters are reborn spontaneously and attain Nibbāna there, not returning to this world, and are usually called non-returners. Arahants have ended the defilements and destroyed «the fetter of existence»; as commonly understood, they have cut all ten fetters. The guide on the four fruits goes into more detail.
The seven fetters, the fetter of craving and the seven tendencies
The discourse on Fetters AN 7.8 lists seven fetters: attraction, aversion, views, doubt, conceit, lust for existence and ignorance; the Reciting in Concert discourse (DN 33) gives seven fetters in the same order, translating the first as «the fetter of craving». The discourse on Underlying Tendencies AN 7.11 lists seven underlying tendencies (anusaya) with almost the same names: sensual desire, aversion, views, doubt, conceit, lust for existence, ignorance. «Underlying tendency» is usually understood as a disposition lying dormant in the mind, while «fetter» stresses being bound. AN 7.9 and AN 7.12 say the holy life is lived to abandon those seven fetters and seven tendencies. When you meet «7 fetters», check which list the context uses.
Recognising fetters in daily life without labelling yourself
The list of fetters is most useful as a mirror for everyday reactions. Identity view shows itself when one criticism makes us feel our whole person has been insulted. Attachment to rites and rules shows itself when we believe that completing the rituals finishes the work of practice, though greed and aversion remain as they were. Conceit shows itself when we quietly compare ourselves with fellow practitioners. Noticing this is not for counting how many fetters remain or placing anyone in a stage of attainment. If self-examination makes you anxious or harshly self-critical, stop and look for a teacher or professional support.