ing connected, makign some features

lib/main.dart

@@ -43,7 +43,7 @@ class _MyAppState extends State<MyApp> {
   @override
   void initState() {
     super.initState();
-    _bank = BankController()..refresh();
+    _bank = BankController(storage: widget.storage)..refresh();
     _appLinks = AppLinks();
     _listenForBankRedirects();
   }

lib/models/bank.dart

@@ -1,6 +1,8 @@
 /// Domain models for the personal ingtrak bank-data API.
 library;
 
+import 'transaction_meta.dart' show merchantKeyFromDescription;
+
 /// Result of `POST /api/connect`.
 class ConnectStart {
   const ConnectStart({required this.authUrl, required this.state});
@@ -101,6 +103,9 @@ class BankTransaction {
   String get descriptionKey =>
       description.trim().toLowerCase().replaceAll(RegExp(r'\s+'), ' ');
 
+  /// Fuzzy merchant key — strips dates / terminal / SEPA noise.
+  String get merchantKey => merchantKeyFromDescription(description);
+
   /// Exact match for copying notes (same description + amount + currency).
   String get exactKey => '$descriptionKey|$amount|$currency';
 

lib/models/transaction_meta.dart

@@ -1,119 +1,190 @@
-/// Local transaction categories and per-transaction annotations.
+/// Transaction labels (built-in + user-created) and local annotations.
 library;
 
 import 'package:flutter/material.dart';
 
-/// User-facing spend / income categories (stored locally, not on the bank API).
+/// A spend/income label shown on transactions.
-enum TxCategory {
+class TxLabel {
-  uncategorized,
+  const TxLabel({
-  groceries,
+    required this.id,
-  energy,
+    required this.name,
-  salary,
+    required this.color,
-  mortgage,
+    this.icon = Icons.label_outline,
-  transport,
+    this.custom = false,
-  dining,
+  });
-  shopping,
-  health,
-  transfer,
-  other,
-}
 
-extension TxCategoryX on TxCategory {
+  final String id;
-  String get label => switch (this) {
+  final String name;
-        TxCategory.uncategorized => 'Uncategorized',
+  final Color color;
-        TxCategory.groceries => 'Groceries',
+  final IconData icon;
-        TxCategory.energy => 'Energy',
+  final bool custom;
-        TxCategory.salary => 'Salary',
+
-        TxCategory.mortgage => 'Mortgage',
+  Map<String, dynamic> toJson() => {
-        TxCategory.transport => 'Transport',
+        'id': id,
-        TxCategory.dining => 'Dining',
+        'name': name,
-        TxCategory.shopping => 'Shopping',
+        // ignore: deprecated_member_use — wide compatibility across Flutter versions
-        TxCategory.health => 'Health',
+        'color': color.value,
-        TxCategory.transfer => 'Transfer',
+        'custom': custom,
-        TxCategory.other => 'Other',
       };
 
-  IconData get icon => switch (this) {
+  factory TxLabel.fromJson(Map<String, dynamic> json) {
-        TxCategory.uncategorized => Icons.label_outline,
+    return TxLabel(
-        TxCategory.groceries => Icons.shopping_cart_outlined,
+      id: json['id'] as String? ?? 'custom',
-        TxCategory.energy => Icons.bolt_outlined,
+      name: json['name'] as String? ?? 'Label',
-        TxCategory.salary => Icons.payments_outlined,
+      color: Color(json['color'] as int? ?? 0xFF64748B),
-        TxCategory.mortgage => Icons.home_work_outlined,
+      custom: json['custom'] as bool? ?? true,
-        TxCategory.transport => Icons.directions_bus_outlined,
-        TxCategory.dining => Icons.restaurant_outlined,
-        TxCategory.shopping => Icons.shopping_bag_outlined,
-        TxCategory.health => Icons.local_hospital_outlined,
-        TxCategory.transfer => Icons.swap_horiz,
-        TxCategory.other => Icons.more_horiz,
-      };
-
-  Color get color => switch (this) {
-        TxCategory.uncategorized => const Color(0xFF64748B),
-        TxCategory.groceries => const Color(0xFF16A34A),
-        TxCategory.energy => const Color(0xFFEAB308),
-        TxCategory.salary => const Color(0xFF0F766E),
-        TxCategory.mortgage => const Color(0xFF7C3AED),
-        TxCategory.transport => const Color(0xFF2563EB),
-        TxCategory.dining => const Color(0xFFEA580C),
-        TxCategory.shopping => const Color(0xFFDB2777),
-        TxCategory.health => const Color(0xFFDC2626),
-        TxCategory.transfer => const Color(0xFF0891B2),
-        TxCategory.other => const Color(0xFF57534E),
-      };
-
-  static TxCategory fromName(String? name) {
-    if (name == null || name.isEmpty) return TxCategory.uncategorized;
-    return TxCategory.values.firstWhere(
-      (c) => c.name == name,
-      orElse: () => TxCategory.uncategorized,
     );
   }
 }
 
+/// Built-in presets (no "uncategorized" / "other").
+const List<TxLabel> kBuiltinLabels = [
+  TxLabel(
+    id: 'groceries',
+    name: 'Groceries',
+    color: Color(0xFF16A34A),
+    icon: Icons.shopping_cart_outlined,
+  ),
+  TxLabel(
+    id: 'energy',
+    name: 'Energy',
+    color: Color(0xFFEAB308),
+    icon: Icons.bolt_outlined,
+  ),
+  TxLabel(
+    id: 'salary',
+    name: 'Salary',
+    color: Color(0xFF0F766E),
+    icon: Icons.payments_outlined,
+  ),
+  TxLabel(
+    id: 'mortgage',
+    name: 'Mortgage',
+    color: Color(0xFF7C3AED),
+    icon: Icons.home_work_outlined,
+  ),
+  TxLabel(
+    id: 'transport',
+    name: 'Transport',
+    color: Color(0xFF2563EB),
+    icon: Icons.directions_bus_outlined,
+  ),
+  TxLabel(
+    id: 'dining',
+    name: 'Dining',
+    color: Color(0xFFEA580C),
+    icon: Icons.restaurant_outlined,
+  ),
+  TxLabel(
+    id: 'shopping',
+    name: 'Shopping',
+    color: Color(0xFFDB2777),
+    icon: Icons.shopping_bag_outlined,
+  ),
+  TxLabel(
+    id: 'health',
+    name: 'Health',
+    color: Color(0xFFDC2626),
+    icon: Icons.local_hospital_outlined,
+  ),
+  TxLabel(
+    id: 'transfer',
+    name: 'Transfer',
+    color: Color(0xFF0891B2),
+    icon: Icons.swap_horiz,
+  ),
+];
+
+/// Palette for newly created custom labels.
+const List<Color> kCustomLabelColors = [
+  Color(0xFF0F766E),
+  Color(0xFF7C3AED),
+  Color(0xFFEA580C),
+  Color(0xFF2563EB),
+  Color(0xFFDB2777),
+  Color(0xFF16A34A),
+  Color(0xFFDC2626),
+  Color(0xFF57534E),
+];
+
 /// Local overlay for a bank transaction.
 class TxMeta {
   const TxMeta({
-    this.category = TxCategory.uncategorized,
+    this.labelIds = const [],
     this.recurring = false,
     this.notes = '',
   });
 
-  final TxCategory category;
+  /// Zero or more label ids on this transaction.
+  final List<String> labelIds;
   final bool recurring;
   final String notes;
 
   static const empty = TxMeta();
 
-  bool get hasCategory => category != TxCategory.uncategorized;
+  bool get hasLabel => labelIds.isNotEmpty;
   bool get hasNotes => notes.trim().isNotEmpty;
 
+  /// First label id, if any (for compact UI).
+  String? get primaryLabelId => labelIds.isEmpty ? null : labelIds.first;
+
+  bool hasLabelId(String id) => labelIds.contains(id);
+
   TxMeta copyWith({
-    TxCategory? category,
+    List<String>? labelIds,
+    bool clearLabels = false,
     bool? recurring,
     String? notes,
   }) {
     return TxMeta(
-      category: category ?? this.category,
+      labelIds: clearLabels ? const [] : (labelIds ?? this.labelIds),
       recurring: recurring ?? this.recurring,
       notes: notes ?? this.notes,
     );
   }
 
   Map<String, dynamic> toJson() => {
-        'category': category.name,
+        'labelIds': labelIds,
+        // Legacy single-label keys for older builds.
+        'labelId': primaryLabelId,
+        'category': primaryLabelId,
         'recurring': recurring,
         'notes': notes,
       };
 
   factory TxMeta.fromJson(Map<String, dynamic> json) {
     return TxMeta(
-      category: TxCategoryX.fromName(json['category'] as String?),
+      labelIds: _parseLabelIds(json),
       recurring: json['recurring'] as bool? ?? false,
       notes: json['notes'] as String? ?? '',
     );
   }
 }
 
+List<String> _parseLabelIds(Map<String, dynamic> json) {
+  final raw = json['labelIds'];
+  if (raw is List) {
+    return [
+      for (final item in raw)
+        if (item is String &&
+            item.isNotEmpty &&
+            item != 'uncategorized' &&
+            item != 'other')
+          item,
+    ];
+  }
+  final single = (json['labelId'] as String?) ??
+      _migrateLegacyCategory(json['category'] as String?);
+  if (single == null) return const [];
+  return [single];
+}
+
+String? _migrateLegacyCategory(String? name) {
+  if (name == null || name.isEmpty) return null;
+  if (name == 'uncategorized' || name == 'other') return null;
+  return name;
+}
+
 /// Notes / recurring template keyed by exact merchant+amount match.
 class TxExactTemplate {
   const TxExactTemplate({this.notes = '', this.recurring = false});
@@ -133,3 +204,40 @@ class TxExactTemplate {
     );
   }
 }
+
+/// Strip bank noise so "AH Campus … Transactie:123" matches other AH Campus txs.
+String merchantKeyFromDescription(String description) {
+  var s = description.trim().toLowerCase().replaceAll(RegExp(r'\s+'), ' ');
+  if (s.startsWith('naam:')) {
+    s = s.substring(5).trim();
+    final om = s.indexOf(' omschrijving:');
+    if (om > 0) s = s.substring(0, om);
+  }
+
+  const markers = [
+    ' pasvolgnr',
+    ' kaartnr',
+    ' datum:',
+    ' tijd:',
+    ' transactie:',
+    ' term:',
+    ' valutadatum',
+    ' iban:',
+    ' kenmerk:',
+    ' machtiging',
+    ' overige partij',
+    ' retourpin',
+  ];
+  for (final marker in markers) {
+    final index = s.indexOf(marker);
+    if (index > 6) {
+      s = s.substring(0, index);
+    }
+  }
+
+  s = s
+      .replaceAll(RegExp(r'\s+nld\s*$'), '')
+      .replaceAll(RegExp(r'^bck\*'), '')
+      .trim();
+  return s;
+}

lib/providers/bank_provider.dart

@@ -5,13 +5,23 @@ import 'package:flutter/foundation.dart';
 
 import '../models/bank.dart';
 import '../services/ingtrak_api.dart';
+import '../services/storage_service.dart';
 import '../utils/constants.dart';
 
 /// App-wide banking state backed by the local ingtrak API.
 class BankController extends ChangeNotifier {
-  BankController({IngtrakApi? api}) : _api = api ?? IngtrakApi();
+  BankController({IngtrakApi? api, this._storage})
+      : _api = api ?? IngtrakApi() {
+    final cached = _storage?.loadBankCache();
+    if (cached != null && cached.status.linked) {
+      _status = cached.status;
+      _balance = cached.balance;
+      _transactions = cached.transactions;
+    }
+  }
 
   final IngtrakApi _api;
+  final StorageService? _storage;
 
   ConnectStatus _status = ConnectStatus.disconnected;
   BankBalance? _balance;
@@ -32,6 +42,22 @@ class BankController extends ChangeNotifier {
   String get apiBaseUrl => _api.baseUrl;
   String? get pendingState => _pendingState;
 
+  Future<void> _persistCache() async {
+    final storage = _storage;
+    if (storage == null) return;
+    if (!_status.linked) {
+      await storage.clearBankCache();
+      return;
+    }
+    await storage.saveBankCache(
+      BankCache(
+        status: _status,
+        balance: _balance,
+        transactions: _transactions,
+      ),
+    );
+  }
+
   /// Load status; if linked, also load balance + transactions.
   Future<void> refresh() async {
     _isLoading = true;
@@ -42,15 +68,26 @@ class BankController extends ChangeNotifier {
       _status = await _api.fetchStatus();
       if (_status.linked) {
         await _loadLinkedData();
+        await _persistCache();
       } else {
         _balance = null;
         _transactions = const [];
+        await _persistCache();
       }
     } on IngtrakApiException catch (error, stackTrace) {
-      _error = error.message;
+      // Keep cached linked data on transient API errors.
+      if (!isLinked || (_balance == null && _transactions.isEmpty)) {
+        _error = error.message;
+      } else {
+        _error = 'Using saved data · ${error.message}';
+      }
       debugPrint('BankController.refresh failed: $error\n$stackTrace');
     } catch (error, stackTrace) {
-      _error = 'Could not reach $apiBaseUrl';
+      if (!isLinked || (_balance == null && _transactions.isEmpty)) {
+        _error = 'Could not reach $apiBaseUrl';
+      } else {
+        _error = 'Using saved data · offline/unreachable API';
+      }
       debugPrint('BankController.refresh failed: $error\n$stackTrace');
     } finally {
       _isLoading = false;
@@ -73,8 +110,12 @@ class BankController extends ChangeNotifier {
         _balance = null;
         _transactions = const [];
         _error = error.message;
-      } else {
+        await _persistCache();
+      } else if (_balance == null && _transactions.isEmpty) {
         _error = error.message;
+      } else {
+        // Keep previous balance/txs if refresh of data fails but still linked.
+        _error = 'Using saved data · ${error.message}';
       }
     }
   }
@@ -156,6 +197,7 @@ class BankController extends ChangeNotifier {
       _pendingState = null;
       if (_status.linked) {
         await _loadLinkedData();
+        await _persistCache();
       }
       return _status.linked;
     } on IngtrakApiException catch (error, stackTrace) {

lib/providers/tx_meta_provider.dart

@@ -1,7 +1,7 @@
-/// Local category / notes / recurring annotations for bank transactions.
+/// Local labels / notes / recurring annotations for bank transactions.
 library;
 
-import 'package:flutter/foundation.dart';
+import 'package:flutter/material.dart';
 
 import '../models/bank.dart';
 import '../models/transaction_meta.dart';
@@ -11,54 +11,195 @@ class TxMetaController extends ChangeNotifier {
   TxMetaController(this._storage) {
     final loaded = _storage.loadTxMetaStore();
     _byId = Map.of(loaded.byId);
-    _categoryByDescription = Map.of(loaded.categoryByDescription);
+    _labelsByMerchant = {
+      for (final e in loaded.labelsByMerchant.entries)
+        e.key: List<String>.of(e.value),
+    };
+    _notesByMerchant = Map.of(loaded.notesByMerchant);
     _exactTemplates = Map.of(loaded.exactTemplates);
+    _customLabels = List.of(loaded.customLabels);
   }
 
   final StorageService _storage;
 
   Map<String, TxMeta> _byId = {};
-  Map<String, TxCategory> _categoryByDescription = {};
+  Map<String, List<String>> _labelsByMerchant = {};
+  Map<String, String> _notesByMerchant = {};
   Map<String, TxExactTemplate> _exactTemplates = {};
+  List<TxLabel> _customLabels = [];
 
-  /// Resolved meta: per-id overrides + inherited category / notes rules.
+  /// Built-in + custom labels available for picking.
+  List<TxLabel> get allLabels => [...kBuiltinLabels, ..._customLabels];
+
+  List<TxLabel> get customLabels => List.unmodifiable(_customLabels);
+
+  TxLabel? labelById(String? id) {
+    if (id == null || id.isEmpty) return null;
+    for (final label in allLabels) {
+      if (label.id == id) return label;
+    }
+    return null;
+  }
+
+  List<TxLabel> labelsFor(TxMeta meta) {
+    return [
+      for (final id in meta.labelIds)
+        if (labelById(id) != null) labelById(id)!,
+    ];
+  }
+
+  /// Resolved meta: per-id overrides + inherited merchant rules.
   TxMeta metaFor(BankTransaction tx) {
     final stored = _byId[tx.id];
     final template = _exactTemplates[tx.exactKey];
-    final inheritedCategory = _categoryByDescription[tx.descriptionKey];
+    final inheritedLabels = _labelsByMerchant[tx.merchantKey] ??
+        _labelsByMerchant[tx.descriptionKey];
+    final inheritedNotes = _notesByMerchant[tx.merchantKey] ??
+        _notesByMerchant[tx.descriptionKey];
 
-    final category = stored != null && stored.hasCategory
+    final labelIds = stored != null && stored.hasLabel
-        ? stored.category
+        ? stored.labelIds
-        : (inheritedCategory ?? TxCategory.uncategorized);
+        : (inheritedLabels ?? const <String>[]);
 
     final notes = stored != null && stored.hasNotes
         ? stored.notes
-        : (template?.notes ?? '');
+        : (template != null && template.notes.trim().isNotEmpty
+            ? template.notes
+            : (inheritedNotes ?? ''));
 
     final recurring = stored?.recurring ?? template?.recurring ?? false;
 
     return TxMeta(
-      category: category,
+      labelIds: List<String>.of(labelIds),
       notes: notes,
       recurring: recurring,
     );
   }
 
-  Future<void> setCategory(BankTransaction tx, TxCategory category) async {
+  int countSimilar(
-    final current = metaFor(tx);
+    BankTransaction prototype,
-    _byId = {
+    List<BankTransaction> all,
-      ..._byId,
+  ) {
-      tx.id: current.copyWith(category: category),
+    final key = prototype.merchantKey;
-    };
+    if (key.isEmpty) return 1;
-    if (category == TxCategory.uncategorized) {
+    return all.where((tx) => tx.merchantKey == key).length;
-      _categoryByDescription = Map.of(_categoryByDescription)
+  }
-        ..remove(tx.descriptionKey);
+
-    } else {
+  List<BankTransaction> similarTo(
-      _categoryByDescription = {
+    BankTransaction prototype,
-        ..._categoryByDescription,
+    List<BankTransaction> all,
-        tx.descriptionKey: category,
+  ) {
-      };
+    final key = prototype.merchantKey;
+    if (key.isEmpty) return [prototype];
+    return [
+      for (final tx in all)
+        if (tx.merchantKey == key) tx,
+    ];
+  }
+
+  Future<void> setLabels(
+    BankTransaction tx,
+    List<String> labelIds, {
+    List<BankTransaction> applyToSimilar = const [],
+  }) async {
+    final cleaned = <String>[
+      for (final id in labelIds)
+        if (id.isNotEmpty) id,
+    ];
+    // Deduplicate while preserving order.
+    final unique = <String>[];
+    for (final id in cleaned) {
+      if (!unique.contains(id)) unique.add(id);
     }
+
+    final scope = applyToSimilar.isEmpty ? [tx] : applyToSimilar;
+    final nextById = Map<String, TxMeta>.of(_byId);
+    for (final other in scope) {
+      if (applyToSimilar.isNotEmpty &&
+          other.merchantKey != tx.merchantKey) {
+        continue;
+      }
+      final current = metaFor(other);
+      nextById[other.id] = unique.isEmpty
+          ? current.copyWith(clearLabels: true)
+          : current.copyWith(labelIds: unique);
+    }
+    _byId = nextById;
+
+    final nextRules = Map<String, List<String>>.of(_labelsByMerchant);
+    if (unique.isEmpty) {
+      nextRules.remove(tx.merchantKey);
+      nextRules.remove(tx.descriptionKey);
+    } else {
+      nextRules[tx.merchantKey] = unique;
+    }
+    _labelsByMerchant = nextRules;
+    await _persist();
+  }
+
+  Future<void> toggleLabel(
+    BankTransaction tx,
+    String labelId, {
+    List<BankTransaction> applyToSimilar = const [],
+  }) async {
+    final current = List<String>.of(metaFor(tx).labelIds);
+    if (current.contains(labelId)) {
+      current.remove(labelId);
+    } else {
+      current.add(labelId);
+    }
+    await setLabels(tx, current, applyToSimilar: applyToSimilar);
+  }
+
+  Future<void> clearLabels(
+    BankTransaction tx, {
+    List<BankTransaction> applyToSimilar = const [],
+  }) {
+    return setLabels(tx, const [], applyToSimilar: applyToSimilar);
+  }
+
+  Future<TxLabel> createLabel(String name) async {
+    final trimmed = name.trim();
+    if (trimmed.isEmpty) {
+      throw ArgumentError('Label name required');
+    }
+    final color =
+        kCustomLabelColors[_customLabels.length % kCustomLabelColors.length];
+    final label = TxLabel(
+      id: 'custom_${DateTime.now().millisecondsSinceEpoch}',
+      name: trimmed,
+      color: color,
+      icon: Icons.label_outline,
+      custom: true,
+    );
+    _customLabels = [..._customLabels, label];
+    await _persist();
+    return label;
+  }
+
+  Future<void> removeLabel(String labelId) async {
+    _customLabels =
+        _customLabels.where((label) => label.id != labelId).toList();
+    final nextById = <String, TxMeta>{};
+    for (final entry in _byId.entries) {
+      if (entry.value.labelIds.contains(labelId)) {
+        final next = entry.value.labelIds.where((id) => id != labelId).toList();
+        nextById[entry.key] = next.isEmpty
+            ? entry.value.copyWith(clearLabels: true)
+            : entry.value.copyWith(labelIds: next);
+      } else {
+        nextById[entry.key] = entry.value;
+      }
+    }
+    _byId = nextById;
+    _labelsByMerchant = {
+      for (final entry in _labelsByMerchant.entries)
+        if (entry.value.any((id) => id != labelId))
+          entry.key: [
+            for (final id in entry.value)
+              if (id != labelId) id,
+          ],
+    };
     await _persist();
   }
 
@@ -79,24 +220,54 @@ class TxMetaController extends ChangeNotifier {
     await _persist();
   }
 
-  Future<void> setNotes(BankTransaction tx, String notes) async {
+  Future<void> setNotes(
+    BankTransaction tx,
+    String notes, {
+    List<BankTransaction> applyToSimilar = const [],
+  }) async {
     final trimmed = notes.trim();
-    final current = metaFor(tx);
+    final scope = applyToSimilar.isEmpty ? [tx] : applyToSimilar;
-    _byId = {
+    final nextById = Map<String, TxMeta>.of(_byId);
-      ..._byId,
+    for (final other in scope) {
-      tx.id: current.copyWith(notes: trimmed),
+      if (applyToSimilar.isNotEmpty &&
-    };
+          other.merchantKey != tx.merchantKey) {
-    final existing = _exactTemplates[tx.exactKey] ?? const TxExactTemplate();
+        continue;
-    if (trimmed.isEmpty && !existing.recurring && !current.recurring) {
+      }
-      _exactTemplates = Map.of(_exactTemplates)..remove(tx.exactKey);
+      final current = metaFor(other);
+      nextById[other.id] = current.copyWith(notes: trimmed);
+    }
+    _byId = nextById;
+
+    if (applyToSimilar.isEmpty) {
+      final current = metaFor(tx);
+      final existing = _exactTemplates[tx.exactKey] ?? const TxExactTemplate();
+      if (trimmed.isEmpty && !existing.recurring && !current.recurring) {
+        _exactTemplates = Map.of(_exactTemplates)..remove(tx.exactKey);
+      } else {
+        _exactTemplates = {
+          ..._exactTemplates,
+          tx.exactKey: TxExactTemplate(
+            notes: trimmed,
+            recurring: existing.recurring || current.recurring,
+          ),
+        };
+      }
+      if (trimmed.isEmpty) {
+        _notesByMerchant = Map.of(_notesByMerchant)
+          ..remove(tx.merchantKey)
+          ..remove(tx.descriptionKey);
+      }
     } else {
-      _exactTemplates = {
+      if (trimmed.isEmpty) {
-        ..._exactTemplates,
+        _notesByMerchant = Map.of(_notesByMerchant)
-        tx.exactKey: TxExactTemplate(
+          ..remove(tx.merchantKey)
-          notes: trimmed,
+          ..remove(tx.descriptionKey);
-          recurring: existing.recurring || current.recurring,
+      } else {
-        ),
+        _notesByMerchant = {
-      };
+          ..._notesByMerchant,
+          tx.merchantKey: trimmed,
+        };
+      }
     }
     await _persist();
   }
@@ -105,39 +276,43 @@ class TxMetaController extends ChangeNotifier {
     return setRecurring(tx, !metaFor(tx).recurring);
   }
 
-  /// Search description, notes, category label, and date.
+  /// Search description, notes, label name, and date.
-  /// Optional [categories] require a matching category when non-empty.
   List<BankTransaction> search(
     List<BankTransaction> txs,
     String query, {
-    Set<TxCategory> categories = const {},
+    Set<String> labelIds = const {},
   }) {
     final needle = query.trim().toLowerCase();
     final hasText = needle.isNotEmpty;
-    final hasCats = categories.isNotEmpty;
+    final hasLabels = labelIds.isNotEmpty;
-    if (!hasText && !hasCats) return txs;
+    if (!hasText && !hasLabels) return txs;
 
     return txs.where((tx) {
       final meta = metaFor(tx);
-      if (hasCats && !categories.contains(meta.category)) return false;
+      if (hasLabels && !meta.labelIds.any(labelIds.contains)) {
+        return false;
+      }
       if (!hasText) return true;
+      final labelNames = labelsFor(meta).map((l) => l.name.toLowerCase());
       return tx.description.toLowerCase().contains(needle) ||
           meta.notes.toLowerCase().contains(needle) ||
-          meta.category.label.toLowerCase().contains(needle) ||
+          labelNames.any((name) => name.contains(needle)) ||
           tx.date.toLowerCase().contains(needle) ||
           tx.amount.toString().contains(needle);
     }).toList(growable: false);
   }
 
-  /// Categories currently used by [transactions] (excluding uncategorized).
+  /// Labels currently used by [transactions].
-  List<TxCategory> usedCategories(List<BankTransaction> transactions) {
+  List<TxLabel> usedLabels(List<BankTransaction> transactions) {
-    final found = <TxCategory>{};
+    final found = <String>{};
     for (final tx in transactions) {
-      final category = metaFor(tx).category;
+      found.addAll(metaFor(tx).labelIds);
-      if (category != TxCategory.uncategorized) found.add(category);
     }
-    final list = found.toList()
+    final list = [
-      ..sort((a, b) => a.label.compareTo(b.label));
+      for (final label in allLabels)
+        if (found.contains(label.id)) label,
+    ];
+    list.sort((a, b) => a.name.compareTo(b.name));
     return list;
   }
 
@@ -146,40 +321,62 @@ class TxMetaController extends ChangeNotifier {
     await _storage.saveTxMetaStore(
       TxMetaStoreData(
         byId: _byId,
-        categoryByDescription: _categoryByDescription,
+        labelsByMerchant: _labelsByMerchant,
+        notesByMerchant: _notesByMerchant,
         exactTemplates: _exactTemplates,
+        customLabels: _customLabels,
       ),
     );
   }
 
-  /// Absolute spend (outflows only) grouped by category.
+  /// Absolute spend (outflows) per label. Multi-label txs count fully in each.
-  Map<TxCategory, double> spendByCategory(List<BankTransaction> txs) {
+  Map<String, double> spendByLabel(List<BankTransaction> txs) {
-    final totals = <TxCategory, double>{};
+    final totals = <String, double>{};
     for (final tx in txs) {
       if (tx.amount >= 0) continue;
-      final category = metaFor(tx).category;
+      final ids = metaFor(tx).labelIds;
-      totals[category] = (totals[category] ?? 0) + tx.amount.abs();
+      if (ids.isEmpty) continue;
+      final amount = tx.amount.abs();
+      for (final id in ids) {
+        totals[id] = (totals[id] ?? 0) + amount;
+      }
     }
     return totals;
   }
 
-  /// Absolute spend grouped by calendar month key `yyyy-MM`.
+  /// Unique labeled outflow total (no double-count for multi-label txs).
-  Map<String, double> spendByMonth(List<BankTransaction> txs) {
+  double labeledSpendTotal(List<BankTransaction> txs) {
-    final totals = <String, double>{};
+    var total = 0.0;
     for (final tx in txs) {
       if (tx.amount >= 0) continue;
-      final key = _monthKey(tx.date);
+      if (!metaFor(tx).hasLabel) continue;
-      if (key == null) continue;
+      total += tx.amount.abs();
-      totals[key] = (totals[key] ?? 0) + tx.amount.abs();
     }
-    final keys = totals.keys.toList()..sort();
+    return total;
-    return {for (final key in keys) key: totals[key]!};
   }
 
-  String? _monthKey(String raw) {
+  /// Absolute spend for each day in [month] (`yyyy-MM-dd` → amount).
-    final parsed = DateTime.tryParse(raw);
+  Map<String, double> spendByDayInMonth(
-    if (parsed == null) return null;
+    List<BankTransaction> txs,
-    final m = parsed.month.toString().padLeft(2, '0');
+    DateTime month,
-    return '${parsed.year}-$m';
+  ) {
+    final start = DateTime(month.year, month.month, 1);
+    final end = DateTime(month.year, month.month + 1, 0);
+    final totals = <String, double>{};
+    for (var day = 1; day <= end.day; day++) {
+      final key =
+          '${start.year}-${start.month.toString().padLeft(2, '0')}-${day.toString().padLeft(2, '0')}';
+      totals[key] = 0;
+    }
+    for (final tx in txs) {
+      if (tx.amount >= 0) continue;
+      final parsed = DateTime.tryParse(tx.date);
+      if (parsed == null) continue;
+      if (parsed.year != month.year || parsed.month != month.month) continue;
+      final key =
+          '${parsed.year}-${parsed.month.toString().padLeft(2, '0')}-${parsed.day.toString().padLeft(2, '0')}';
+      totals[key] = (totals[key] ?? 0) + tx.amount.abs();
+    }
+    return totals;
   }
 }

lib/screens/home_screen.dart

@@ -4,7 +4,6 @@ library;
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
-import '../models/transaction_meta.dart';
 import '../providers/bank_provider.dart';
 import '../providers/tx_meta_provider.dart';
 import '../utils/connect_bank.dart';
@@ -96,7 +95,7 @@ class _HomeBody extends StatelessWidget {
     final meta = context.watch<TxMetaController>();
     final recent = bank.transactions.take(5).toList(growable: false);
     final categorized = bank.transactions
-        .where((tx) => meta.metaFor(tx).hasCategory)
+        .where((tx) => meta.metaFor(tx).hasLabel)
         .length;
 
     return ListView(
@@ -207,10 +206,17 @@ class _HomeBody extends StatelessWidget {
             ListTile(
               contentPadding: EdgeInsets.zero,
               dense: true,
-              leading: Icon(
+                leading: Builder(
-                meta.metaFor(tx).category.icon,
+                  builder: (context) {
-                color: meta.metaFor(tx).category.color,
+                    final labels =
-              ),
+                        meta.labelsFor(meta.metaFor(tx));
+                    final label = labels.isEmpty ? null : labels.first;
+                    return Icon(
+                      label?.icon ?? Icons.receipt_long_outlined,
+                      color: label?.color,
+                    );
+                  },
+                ),
               title: Text(
                 tx.description,
                 maxLines: 1,

lib/screens/label_transactions_screen.dart

@@ -0,0 +1,89 @@
+/// Transactions that share a given label.
+library;
+
+import 'package:flutter/material.dart';
+import 'package:provider/provider.dart';
+
+import '../models/transaction_meta.dart';
+import '../providers/bank_provider.dart';
+import '../providers/tx_meta_provider.dart';
+import '../utils/helpers.dart';
+import '../widgets/responsive_body.dart';
+import 'transaction_detail_screen.dart';
+
+class LabelTransactionsScreen extends StatelessWidget {
+  const LabelTransactionsScreen({super.key, required this.label});
+
+  final TxLabel label;
+
+  @override
+  Widget build(BuildContext context) {
+    final bank = context.watch<BankController>();
+    final meta = context.watch<TxMetaController>();
+    final txs = [
+      for (final tx in bank.transactions)
+        if (meta.metaFor(tx).labelIds.contains(label.id)) tx,
+    ];
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    final currency = bank.balance?.currency ??
+        (txs.isNotEmpty ? txs.first.currency : 'EUR');
+    var totalOut = 0.0;
+    for (final tx in txs) {
+      if (tx.amount < 0) totalOut += tx.amount.abs();
+    }
+
+    return Scaffold(
+      appBar: AppBar(
+        title: Text(label.name),
+      ),
+      body: ResponsiveBody(
+        child: ListView(
+          padding: const EdgeInsets.only(top: 8, bottom: 32),
+          children: [
+            ListTile(
+              contentPadding: EdgeInsets.zero,
+              leading: Icon(label.icon, color: label.color),
+              title: Text('${txs.length} transactions'),
+              subtitle: Text('Money out ${formatMoney(totalOut, currency)}'),
+            ),
+            const Divider(),
+            if (txs.isEmpty)
+              Padding(
+                padding: const EdgeInsets.symmetric(vertical: 32),
+                child: Text(
+                  'No transactions with this label.',
+                  textAlign: TextAlign.center,
+                  style: theme.textTheme.bodyMedium,
+                ),
+              )
+            else
+              for (final tx in txs)
+                ListTile(
+                  contentPadding: EdgeInsets.zero,
+                  title: Text(
+                    tx.description,
+                    maxLines: 2,
+                    overflow: TextOverflow.ellipsis,
+                  ),
+                  subtitle: Text(formatIsoDate(tx.date)),
+                  trailing: Text(
+                    formatMoney(tx.amount, tx.currency),
+                    style: theme.textTheme.titleSmall?.copyWith(
+                      color: tx.amount >= 0 ? colors.primary : colors.error,
+                    ),
+                  ),
+                  onTap: () {
+                    Navigator.of(context).push(
+                      MaterialPageRoute<void>(
+                        builder: (_) => TransactionDetailScreen(tx: tx),
+                      ),
+                    );
+                  },
+                ),
+          ],
+        ),
+      ),
+    );
+  }
+}

lib/screens/overview_screen.dart

@@ -15,6 +15,7 @@ import '../utils/tx_calendar.dart';
 import '../widgets/empty_state.dart';
 import '../widgets/loading_view.dart';
 import '../widgets/responsive_body.dart';
+import 'label_transactions_screen.dart';
 
 enum _StatsMode { category, month }
 
@@ -29,16 +30,32 @@ class _OverviewScreenState extends State<OverviewScreen> {
   _StatsMode _mode = _StatsMode.category;
   var _lookAheadEnabled = false;
   DateTime _lookAheadMonth = monthStart(DateTime.now());
+  DateTime _chartMonth = monthStart(DateTime.now());
 
   void _goLookAheadMonth(int delta) {
     final next = addMonths(_lookAheadMonth, delta);
     final now = monthStart(DateTime.now());
-    // Look ahead can go forward; still allow browsing past months.
     if (delta < 0 && next.isBefore(addMonths(now, -24))) return;
     if (delta > 0 && next.isAfter(addMonths(now, 36))) return;
     setState(() => _lookAheadMonth = next);
   }
 
+  void _goChartMonth(int delta) {
+    final next = addMonths(_chartMonth, delta);
+    final now = monthStart(DateTime.now());
+    if (delta > 0 && next.isAfter(now)) return;
+    if (delta < 0 && next.isBefore(addMonths(now, -36))) return;
+    setState(() => _chartMonth = next.isAfter(now) ? now : next);
+  }
+
+  void _openLabel(TxLabel label) {
+    Navigator.of(context).push(
+      MaterialPageRoute<void>(
+        builder: (_) => LabelTransactionsScreen(label: label),
+      ),
+    );
+  }
+
   @override
   Widget build(BuildContext context) {
     final bank = context.watch<BankController>();
@@ -92,9 +109,9 @@ class _OverviewScreenState extends State<OverviewScreen> {
             ? bank.transactions.first.currency
             : 'EUR');
     final currentBalance = bank.balance?.amount ?? 0;
-    final byCategory = meta.spendByCategory(bank.transactions);
+    final byLabel = meta.spendByLabel(bank.transactions);
-    final byMonth = meta.spendByMonth(bank.transactions);
+    final byDay = meta.spendByDayInMonth(bank.transactions, _chartMonth);
-    final totalSpend = byCategory.values.fold<double>(0, (sum, v) => sum + v);
+    final totalSpend = meta.labeledSpendTotal(bank.transactions);
 
     final recurrings = recurringItemsFrom(
       transactions: bank.transactions,
@@ -214,10 +231,18 @@ class _OverviewScreenState extends State<OverviewScreen> {
                     for (final row in projected.take(12))
                       ListTile(
                         dense: true,
-                        contentPadding: const EdgeInsets.symmetric(horizontal: 8),
+                        contentPadding:
-                        leading: Icon(
+                            const EdgeInsets.symmetric(horizontal: 8),
-                          row.item.category.icon,
+                        leading: Builder(
-                          color: row.item.category.color,
+                          builder: (context) {
+                            final label = row.item.labelIds.isEmpty
+                                ? null
+                                : meta.labelById(row.item.labelIds.first);
+                            return Icon(
+                              label?.icon ?? Icons.autorenew,
+                              color: label?.color,
+                            );
+                          },
                         ),
                         title: Text(
                           row.item.description,
@@ -247,7 +272,7 @@ class _OverviewScreenState extends State<OverviewScreen> {
           ),
         ],
         const SizedBox(height: 20),
-        Text('Money out (categorized)', style: theme.textTheme.labelMedium),
+        Text('Money out (labeled)', style: theme.textTheme.labelMedium),
         const SizedBox(height: 4),
         Text(
           formatMoney(totalSpend, currency),
@@ -258,13 +283,13 @@ class _OverviewScreenState extends State<OverviewScreen> {
           segments: const [
             ButtonSegment(
               value: _StatsMode.category,
-              label: Text('Category'),
+              label: Text('Label'),
               icon: Icon(Icons.label_outline),
             ),
             ButtonSegment(
               value: _StatsMode.month,
-              label: Text('By date'),
+              label: Text('By day'),
-              icon: Icon(Icons.calendar_month_outlined),
+              icon: Icon(Icons.bar_chart_outlined),
             ),
           ],
           selected: {_mode},
@@ -272,7 +297,33 @@ class _OverviewScreenState extends State<OverviewScreen> {
             setState(() => _mode = selection.first);
           },
         ),
-        const SizedBox(height: 20),
+        if (_mode == _StatsMode.month) ...[
+          const SizedBox(height: 8),
+          Row(
+            children: [
+              IconButton(
+                tooltip: 'Previous month',
+                onPressed: () => _goChartMonth(-1),
+                icon: const Icon(Icons.chevron_left),
+              ),
+              Expanded(
+                child: Text(
+                  formatMonthYear(_chartMonth),
+                  textAlign: TextAlign.center,
+                  style: theme.textTheme.titleSmall,
+                ),
+              ),
+              IconButton(
+                tooltip: 'Next month',
+                onPressed: _chartMonth.isBefore(nowMonth)
+                    ? () => _goChartMonth(1)
+                    : null,
+                icon: const Icon(Icons.chevron_right),
+              ),
+            ],
+          ),
+        ],
+        const SizedBox(height: 12),
         SizedBox(
           height: 260,
           child: bank.transactions.isEmpty
@@ -283,21 +334,27 @@ class _OverviewScreenState extends State<OverviewScreen> {
                   ),
                 )
               : _mode == _StatsMode.category
-                  ? _CategoryBars(data: byCategory, currency: currency)
+                  ? _LabelBars(
-                  : _MonthBars(data: byMonth, currency: currency),
+                      data: byLabel,
+                      resolve: meta.labelById,
+                      currency: currency,
+                      onBarTap: _openLabel,
+                    )
+                  : _DayBars(data: byDay, currency: currency),
         ),
         const SizedBox(height: 20),
         if (_mode == _StatsMode.category)
-          ..._categoryLegend(context, byCategory, currency)
+          ..._labelLegend(context, byLabel, meta, currency)
         else
-          ..._monthLegend(context, byMonth, currency),
+          ..._dayLegend(context, byDay, currency),
       ],
     );
   }
 
-  List<Widget> _categoryLegend(
+  List<Widget> _labelLegend(
     BuildContext context,
-    Map<TxCategory, double> data,
+    Map<String, double> data,
+    TxMetaController meta,
     String currency,
   ) {
     final entries = data.entries.toList()
@@ -305,38 +362,46 @@ class _OverviewScreenState extends State<OverviewScreen> {
     if (entries.isEmpty) {
       return [
         Text(
-          'No outflows yet. Categorize spending from the transaction list.',
+          'No labeled outflows yet. Add a label from a transaction.',
           style: Theme.of(context).textTheme.bodyMedium,
         ),
       ];
     }
     return [
       for (final entry in entries)
-        ListTile(
+        Builder(
-          contentPadding: EdgeInsets.zero,
+          builder: (context) {
-          dense: true,
+            final label = meta.labelById(entry.key);
-          leading: Icon(entry.key.icon, color: entry.key.color),
+            if (label == null) return const SizedBox.shrink();
-          title: Text(entry.key.label),
+            return ListTile(
-          trailing: Text(formatMoney(entry.value, currency)),
+              contentPadding: EdgeInsets.zero,
+              dense: true,
+              leading: Icon(label.icon, color: label.color),
+              title: Text(label.name),
+              trailing: Text(formatMoney(entry.value, currency)),
+              onTap: () => _openLabel(label),
+            );
+          },
         ),
     ];
   }
 
-  List<Widget> _monthLegend(
+  List<Widget> _dayLegend(
     BuildContext context,
     Map<String, double> data,
     String currency,
   ) {
-    if (data.isEmpty) {
+    final spent = data.entries.where((e) => e.value > 0).toList().reversed;
+    if (spent.isEmpty) {
       return [
         Text(
-          'No dated outflows to chart yet.',
+          'No outflows this month.',
           style: Theme.of(context).textTheme.bodyMedium,
         ),
       ];
     }
     return [
-      for (final entry in data.entries.toList().reversed)
+      for (final entry in spent)
         ListTile(
           contentPadding: EdgeInsets.zero,
           dense: true,
@@ -348,20 +413,31 @@ class _OverviewScreenState extends State<OverviewScreen> {
   }
 }
 
-class _CategoryBars extends StatelessWidget {
+class _LabelBars extends StatelessWidget {
-  const _CategoryBars({required this.data, required this.currency});
+  const _LabelBars({
+    required this.data,
+    required this.resolve,
+    required this.currency,
+    required this.onBarTap,
+  });
 
-  final Map<TxCategory, double> data;
+  final Map<String, double> data;
+  final TxLabel? Function(String? id) resolve;
   final String currency;
+  final void Function(TxLabel label) onBarTap;
 
   @override
   Widget build(BuildContext context) {
-    final entries = data.entries.toList()
+    final entries = <({TxLabel label, double value})>[
-      ..sort((a, b) => b.value.compareTo(a.value));
+      for (final entry in data.entries)
+        if (resolve(entry.key) != null)
+          (label: resolve(entry.key)!, value: entry.value),
+    ]..sort((a, b) => b.value.compareTo(a.value));
+
     if (entries.isEmpty) {
       return Center(
         child: Text(
-          'Categorize transactions to see this chart',
+          'Label transactions to see this chart',
           style: Theme.of(context).textTheme.bodyMedium,
           textAlign: TextAlign.center,
         ),
@@ -373,11 +449,19 @@ class _CategoryBars extends StatelessWidget {
       BarChartData(
         maxY: maxY * 1.15,
         barTouchData: BarTouchData(
+          touchCallback: (event, response) {
+            if (!event.isInterestedForInteractions) return;
+            final index = response?.spot?.touchedBarGroupIndex;
+            if (index == null || index < 0 || index >= entries.length) return;
+            if (event is FlTapUpEvent) {
+              onBarTap(entries[index].label);
+            }
+          },
           touchTooltipData: BarTouchTooltipData(
             getTooltipItem: (group, groupIndex, rod, rodIndex) {
               final entry = entries[group.x.toInt()];
               return BarTooltipItem(
-                '${entry.key.label}\n${formatMoney(entry.value, currency)}',
+                '${entry.label.name}\n${formatMoney(entry.value, currency)}',
                 TextStyle(
                   color: Theme.of(context).colorScheme.onInverseSurface,
                 ),
@@ -399,7 +483,7 @@ class _CategoryBars extends StatelessWidget {
                 if (index < 0 || index >= entries.length) {
                   return const SizedBox.shrink();
                 }
-                final label = entries[index].key.label;
+                final label = entries[index].label.name;
                 return Padding(
                   padding: const EdgeInsets.only(top: 8),
                   child: Text(
@@ -423,7 +507,7 @@ class _CategoryBars extends StatelessWidget {
                   width: 18,
                   borderRadius:
                       const BorderRadius.vertical(top: Radius.circular(6)),
-                  color: entries[i].key.color,
+                  color: entries[i].label.color,
                 ),
               ],
             ),
@@ -433,8 +517,8 @@ class _CategoryBars extends StatelessWidget {
   }
 }
 
-class _MonthBars extends StatelessWidget {
+class _DayBars extends StatelessWidget {
-  const _MonthBars({required this.data, required this.currency});
+  const _DayBars({required this.data, required this.currency});
 
   final Map<String, double> data;
   final String currency;
@@ -442,26 +526,30 @@ class _MonthBars extends StatelessWidget {
   @override
   Widget build(BuildContext context) {
     final entries = data.entries.toList();
-    if (entries.isEmpty) {
+    if (entries.every((e) => e.value == 0)) {
       return Center(
         child: Text(
-          'No monthly spend yet',
+          'No spend this month',
           style: Theme.of(context).textTheme.bodyMedium,
         ),
       );
     }
 
-    final maxY = entries.map((e) => e.value).reduce((a, b) => a > b ? a : b);
+    final maxY = entries.map((e) => e.value).fold<double>(0, (a, b) => a > b ? a : b);
+    final safeMax = maxY <= 0 ? 1.0 : maxY * 1.15;
     final colors = Theme.of(context).colorScheme;
     return BarChart(
       BarChartData(
-        maxY: maxY * 1.15,
+        maxY: safeMax,
         barTouchData: BarTouchData(
           touchTooltipData: BarTouchTooltipData(
             getTooltipItem: (group, groupIndex, rod, rodIndex) {
               final entry = entries[group.x.toInt()];
+              final day = entry.key.length >= 10
+                  ? entry.key.substring(8)
+                  : entry.key;
               return BarTooltipItem(
-                '${entry.key}\n${formatMoney(entry.value, currency)}',
+                'Day $day\n${formatMoney(entry.value, currency)}',
                 TextStyle(color: colors.onInverseSurface),
               );
             },
@@ -476,17 +564,20 @@ class _MonthBars extends StatelessWidget {
             sideTitles: SideTitles(
               showTitles: true,
               reservedSize: 28,
+              interval: entries.length > 16 ? 5 : 2,
               getTitlesWidget: (value, meta) {
                 final index = value.toInt();
                 if (index < 0 || index >= entries.length) {
                   return const SizedBox.shrink();
                 }
-                final key = entries[index].key;
+                if (entries.length > 16 && index % 5 != 0) {
-                final short = key.length >= 7 ? key.substring(5) : key;
+                  return const SizedBox.shrink();
+                }
+                final day = (index + 1).toString();
                 return Padding(
                   padding: const EdgeInsets.only(top: 8),
                   child: Text(
-                    short,
+                    day,
                     style: Theme.of(context).textTheme.labelSmall,
                   ),
                 );
@@ -503,10 +594,12 @@ class _MonthBars extends StatelessWidget {
               barRods: [
                 BarChartRodData(
                   toY: entries[i].value,
-                  width: 22,
+                  width: entries.length > 20 ? 6 : 8,
                   borderRadius:
-                      const BorderRadius.vertical(top: Radius.circular(6)),
+                      const BorderRadius.vertical(top: Radius.circular(3)),
-                  color: colors.primary,
+                  color: entries[i].value > 0
+                      ? colors.primary
+                      : colors.surfaceContainerHighest,
                 ),
               ],
             ),

lib/screens/settings_screen.dart

@@ -92,9 +92,9 @@ class SettingsScreen extends StatelessWidget {
                           ),
                   ),
                   const Divider(height: 1),
-                  const ListTile(
+                  ListTile(
-                    leading: Icon(Icons.open_in_browser_outlined),
+                    leading: const Icon(Icons.open_in_browser_outlined),
-                    title: Text('Enable Banking redirect'),
+                    title: const Text('Enable Banking redirect'),
                     subtitle: Text(kEnableBankingRedirectUri),
                   ),
                 ],
@@ -104,9 +104,8 @@ class SettingsScreen extends StatelessWidget {
             Text(
               'Enable Banking only allows http(s) redirects. Keep '
               '$kEnableBankingRedirectUri in the Control Panel and backend '
-              'REDIRECT_URI. The app captures that URL inside a WebView. '
+              'REDIRECT_URI. The app captures that callback path in a WebView. '
-              'Override the API host with '
+              'Override with `--dart-define=API_BASE_URL=https://…`.',
-              '`--dart-define=API_BASE_URL=http://<host>:8000`.',
               style: theme.textTheme.bodyMedium,
             ),
             const SizedBox(height: 28),

lib/screens/transaction_detail_screen.dart

@@ -1,4 +1,4 @@
-/// Transaction detail: category, recurring, and user notes.
+/// Transaction detail: label, recurring, notes, apply-to-similar.
 library;
 
 import 'package:flutter/material.dart';
@@ -6,6 +6,7 @@ import 'package:provider/provider.dart';
 
 import '../models/bank.dart';
 import '../models/transaction_meta.dart';
+import '../providers/bank_provider.dart';
 import '../providers/tx_meta_provider.dart';
 import '../utils/helpers.dart';
 import '../widgets/responsive_body.dart';
@@ -23,12 +24,18 @@ class TransactionDetailScreen extends StatefulWidget {
 class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
   late final TextEditingController _notesController;
   var _dirty = false;
+  late bool _applyToSimilar;
 
   @override
   void initState() {
     super.initState();
-    final notes = context.read<TxMetaController>().metaFor(widget.tx).notes;
+    final meta = context.read<TxMetaController>();
+    final notes = meta.metaFor(widget.tx).notes;
     _notesController = TextEditingController(text: notes);
+    final all = context.read<BankController>().transactions;
+    final similarCount = meta.countSimilar(widget.tx, all);
+    // Default on when there are peers — otherwise users never notice the toggle.
+    _applyToSimilar = similarCount > 1;
   }
 
   @override
@@ -37,25 +44,116 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
     super.dispose();
   }
 
+  List<BankTransaction> _similarScope(TxMetaController meta) {
+    final all = context.read<BankController>().transactions;
+    if (!_applyToSimilar) return const [];
+    return meta.similarTo(widget.tx, all);
+  }
+
   Future<void> _saveNotes() async {
-    await context.read<TxMetaController>().setNotes(
+    final meta = context.read<TxMetaController>();
-          widget.tx,
+    final similar = _similarScope(meta);
-          _notesController.text,
+    await meta.setNotes(
-        );
+      widget.tx,
+      _notesController.text,
+      applyToSimilar: similar,
+    );
     if (!mounted) return;
     setState(() => _dirty = false);
+    final count = similar.isEmpty ? 1 : similar.length;
     ScaffoldMessenger.of(context).showSnackBar(
-      const SnackBar(content: Text('Notes saved')),
+      SnackBar(
+        content: Text(
+          count == 1
+              ? 'Notes saved'
+              : 'Notes saved on $count similar transactions',
+        ),
+      ),
     );
   }
 
+  Future<void> _toggleLabel(String labelId) async {
+    final meta = context.read<TxMetaController>();
+    final similar = _similarScope(meta);
+    await meta.toggleLabel(
+      widget.tx,
+      labelId,
+      applyToSimilar: similar,
+    );
+    if (!mounted) return;
+    final count = similar.isEmpty ? 1 : similar.length;
+    if (count > 1) {
+      ScaffoldMessenger.of(context).showSnackBar(
+        SnackBar(
+          content: Text('Labels updated on $count similar transactions'),
+        ),
+      );
+    }
+  }
+
+  Future<void> _clearLabels() async {
+    final meta = context.read<TxMetaController>();
+    final similar = _similarScope(meta);
+    await meta.clearLabels(
+      widget.tx,
+      applyToSimilar: similar,
+    );
+  }
+
+  Future<void> _createLabel() async {
+    final name = await showDialog<String>(
+      context: context,
+      builder: (context) => const _NewLabelDialog(),
+    );
+    if (name == null || name.isEmpty || !mounted) return;
+    final meta = context.read<TxMetaController>();
+    final label = await meta.createLabel(name);
+    if (!mounted) return;
+    await _toggleLabel(label.id);
+  }
+
+  Future<void> _confirmRemoveLabel(TxLabel label) async {
+    final ok = await showDialog<bool>(
+      context: context,
+      builder: (context) {
+        return AlertDialog(
+          title: Text('Remove “${label.name}”?'),
+          content: const Text(
+            'This deletes the label. Transactions keep any other labels.',
+          ),
+          actions: [
+            TextButton(
+              onPressed: () => Navigator.pop(context, false),
+              child: const Text('Cancel'),
+            ),
+            FilledButton(
+              onPressed: () => Navigator.pop(context, true),
+              child: const Text('Remove'),
+            ),
+          ],
+        );
+      },
+    );
+    if (ok != true || !mounted) return;
+    await context.read<TxMetaController>().removeLabel(label.id);
+  }
+
   @override
   Widget build(BuildContext context) {
     final tx = widget.tx;
-    final meta = context.watch<TxMetaController>().metaFor(tx);
+    final metaController = context.watch<TxMetaController>();
+    final meta = metaController.metaFor(tx);
+    final all = context.watch<BankController>().transactions;
+    final similarCount = metaController.countSimilar(tx, all);
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
     final amountColor = tx.amount >= 0 ? colors.primary : colors.error;
+    final selectedIds = meta.labelIds.toSet();
+    final merchantPreview = tx.merchantKey.isEmpty
+        ? tx.description
+        : (tx.merchantKey.length > 48
+            ? '${tx.merchantKey.substring(0, 47)}…'
+            : tx.merchantKey);
 
     return Scaffold(
       appBar: AppBar(
@@ -86,7 +184,20 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               ].join(' · '),
               style: theme.textTheme.bodyMedium,
             ),
-            const SizedBox(height: 24),
+            if (similarCount > 1) ...[
+              const SizedBox(height: 16),
+              SwitchListTile(
+                contentPadding: EdgeInsets.zero,
+                secondary: const Icon(Icons.copy_all_outlined),
+                title: const Text('Apply to all similar'),
+                subtitle: Text(
+                  '$similarCount matches · $merchantPreview',
+                ),
+                value: _applyToSimilar,
+                onChanged: (value) => setState(() => _applyToSimilar = value),
+              ),
+            ],
+            const SizedBox(height: 8),
             SwitchListTile(
               contentPadding: EdgeInsets.zero,
               secondary: const Icon(Icons.autorenew),
@@ -98,25 +209,39 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
               },
             ),
             const SizedBox(height: 16),
-            Text('Category', style: theme.textTheme.titleSmall),
+            Row(
+              children: [
+                Text('Labels', style: theme.textTheme.titleSmall),
+                const Spacer(),
+                if (meta.hasLabel)
+                  TextButton(
+                    onPressed: _clearLabels,
+                    child: const Text('Clear'),
+                  ),
+              ],
+            ),
             const SizedBox(height: 8),
             Wrap(
               spacing: 8,
               runSpacing: 8,
               children: [
-                for (final category in TxCategory.values)
+                for (final label in metaController.allLabels)
-                  ChoiceChip(
+                  GestureDetector(
-                    avatar: Icon(
+                    onLongPress: label.custom
-                      category.icon,
+                        ? () => _confirmRemoveLabel(label)
-                      size: 16,
+                        : null,
-                      color: category.color,
+                    child: FilterChip(
+                      avatar: Icon(label.icon, size: 16, color: label.color),
+                      label: Text(label.name),
+                      selected: selectedIds.contains(label.id),
+                      onSelected: (_) => _toggleLabel(label.id),
                     ),
-                    label: Text(category.label),
-                    selected: meta.category == category,
-                    onSelected: (_) {
-                      context.read<TxMetaController>().setCategory(tx, category);
-                    },
                   ),
+                ActionChip(
+                  avatar: const Icon(Icons.add, size: 16),
+                  label: const Text('New label'),
+                  onPressed: _createLabel,
+                ),
               ],
             ),
             const SizedBox(height: 24),
@@ -137,12 +262,17 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
             const SizedBox(height: 12),
             FilledButton(
               onPressed: _dirty ? _saveNotes : null,
-              child: const Text('Save notes'),
+              child: Text(
+                _applyToSimilar && similarCount > 1
+                    ? 'Save notes for $similarCount'
+                    : 'Save notes',
+              ),
             ),
             const SizedBox(height: 16),
             Text(
-              'Matching descriptions reuse this category automatically. '
+              'Tap labels to add or remove several. Long-press a custom label '
-              'Exact same amount + description also copies notes.',
+              'to delete it. Similar matches strip dates and ids so supermarket '
+              'purchases group together.',
               style: theme.textTheme.labelMedium,
             ),
           ],
@@ -151,3 +281,54 @@ class _TransactionDetailScreenState extends State<TransactionDetailScreen> {
     );
   }
 }
+
+class _NewLabelDialog extends StatefulWidget {
+  const _NewLabelDialog();
+
+  @override
+  State<_NewLabelDialog> createState() => _NewLabelDialogState();
+}
+
+class _NewLabelDialogState extends State<_NewLabelDialog> {
+  late final TextEditingController _controller;
+
+  @override
+  void initState() {
+    super.initState();
+    _controller = TextEditingController();
+  }
+
+  @override
+  void dispose() {
+    _controller.dispose();
+    super.dispose();
+  }
+
+  void _submit() {
+    Navigator.pop(context, _controller.text.trim());
+  }
+
+  @override
+  Widget build(BuildContext context) {
+    return AlertDialog(
+      title: const Text('New label'),
+      content: TextField(
+        controller: _controller,
+        autofocus: true,
+        textCapitalization: TextCapitalization.sentences,
+        decoration: const InputDecoration(hintText: 'e.g. Supermarket'),
+        onSubmitted: (_) => _submit(),
+      ),
+      actions: [
+        TextButton(
+          onPressed: () => Navigator.pop(context),
+          child: const Text('Cancel'),
+        ),
+        FilledButton(
+          onPressed: _submit,
+          child: const Text('Create'),
+        ),
+      ],
+    );
+  }
+}

lib/screens/transactions_screen.dart

@@ -31,7 +31,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
   DateTime _month = monthStart(DateTime.now());
   DateTime? _selectedDay;
   var _searchInMonthOnly = false;
-  final Set<TxCategory> _categoryFilters = {};
+  final Set<String> _labelFilters = {};
 
   @override
   void dispose() {
@@ -40,7 +40,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
   }
 
   bool get _isSearching =>
-      _query.trim().isNotEmpty || _categoryFilters.isNotEmpty;
+      _query.trim().isNotEmpty || _labelFilters.isNotEmpty;
 
   void _goMonth(int delta) {
     final next = addMonths(_month, delta);
@@ -67,15 +67,15 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
     return isSameMonth(date, _month);
   }
 
-  Future<void> _pickCategories(List<TxCategory> available) async {
+  Future<void> _pickLabels(List<TxLabel> available) async {
     if (available.isEmpty) {
       ScaffoldMessenger.of(context).showSnackBar(
-        const SnackBar(content: Text('No categories in use yet')),
+        const SnackBar(content: Text('No labels in use yet')),
       );
       return;
     }
 
-    final selected = Set<TxCategory>.of(_categoryFilters);
+    final selected = Set<String>.of(_labelFilters);
     await showModalBottomSheet<void>(
       context: context,
       showDragHandle: true,
@@ -90,7 +90,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                   crossAxisAlignment: CrossAxisAlignment.stretch,
                   children: [
                     Text(
-                      'Filter by category',
+                      'Filter by label',
                       style: Theme.of(context).textTheme.titleMedium,
                     ),
                     const SizedBox(height: 12),
@@ -98,21 +98,21 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                       spacing: 8,
                       runSpacing: 8,
                       children: [
-                        for (final category in available)
+                        for (final label in available)
                           FilterChip(
                             avatar: Icon(
-                              category.icon,
+                              label.icon,
                               size: 16,
-                              color: category.color,
+                              color: label.color,
                             ),
-                            label: Text(category.label),
+                            label: Text(label.name),
-                            selected: selected.contains(category),
+                            selected: selected.contains(label.id),
                             onSelected: (value) {
                               setSheetState(() {
                                 if (value) {
-                                  selected.add(category);
+                                  selected.add(label.id);
                                 } else {
-                                  selected.remove(category);
+                                  selected.remove(label.id);
                                 }
                               });
                             },
@@ -123,7 +123,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                     FilledButton(
                       onPressed: () {
                         setState(() {
-                          _categoryFilters
+                          _labelFilters
                             ..clear()
                             ..addAll(selected);
                         });
@@ -241,7 +241,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
     final filtered = metaController.search(
       searchPool,
       _query,
-      categories: _categoryFilters,
+      labelIds: _labelFilters,
     );
 
     var moneyOut = 0.0;
@@ -257,7 +257,10 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
         (bank.transactions.isNotEmpty
             ? bank.transactions.first.currency
             : 'EUR');
-    final usedCategories = metaController.usedCategories(bank.transactions);
+    final usedLabels = metaController.usedLabels(bank.transactions);
+    final labelById = {
+      for (final label in metaController.allLabels) label.id: label,
+    };
 
     return ListView(
       physics: const AlwaysScrollableScrollPhysics(),
@@ -274,13 +277,11 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
                   decoration: InputDecoration(
                     hintText: 'Search description, notes…',
                     prefixIcon: IconButton(
-                      tooltip: 'Categories',
+                      tooltip: 'Labels',
-                      onPressed: () => _pickCategories(usedCategories),
+                      onPressed: () => _pickLabels(usedLabels),
                       icon: Icon(
                         Icons.search,
-                        color: _categoryFilters.isEmpty
+                        color: _labelFilters.isEmpty ? null : colors.primary,
-                            ? null
-                            : colors.primary,
                       ),
                     ),
                     suffixIcon: _query.isEmpty
@@ -316,21 +317,26 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
             ],
           ),
         ),
-        if (_categoryFilters.isNotEmpty)
+        if (_labelFilters.isNotEmpty)
           Padding(
             padding: const EdgeInsets.only(bottom: 8),
             child: Wrap(
               spacing: 8,
               runSpacing: 8,
               children: [
-                for (final category in _categoryFilters)
+                for (final id in _labelFilters)
-                  InputChip(
+                  if (labelById[id] != null)
-                    avatar: Icon(category.icon, size: 16, color: category.color),
+                    InputChip(
-                    label: Text(category.label),
+                      avatar: Icon(
-                    onDeleted: () {
+                        labelById[id]!.icon,
-                      setState(() => _categoryFilters.remove(category));
+                        size: 16,
-                    },
+                        color: labelById[id]!.color,
-                  ),
+                      ),
+                      label: Text(labelById[id]!.name),
+                      onDeleted: () {
+                        setState(() => _labelFilters.remove(id));
+                      },
+                    ),
               ],
             ),
           ),
@@ -411,6 +417,8 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
             _CompactTransactionTile(
               tx: filtered[i],
               meta: metaController.metaFor(filtered[i]),
+              labels: metaController
+                  .labelsFor(metaController.metaFor(filtered[i])),
             ),
           ],
       ],
@@ -467,16 +475,21 @@ class _CompactTransactionTile extends StatelessWidget {
   const _CompactTransactionTile({
     required this.tx,
     required this.meta,
+    this.labels = const [],
   });
 
   final BankTransaction tx;
   final TxMeta meta;
+  final List<TxLabel> labels;
 
   @override
   Widget build(BuildContext context) {
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
     final amountColor = tx.amount >= 0 ? colors.primary : colors.error;
+    final primary = labels.isEmpty ? null : labels.first;
+    final iconColor = primary?.color ?? colors.outline;
+    final iconData = primary?.icon ?? Icons.receipt_long_outlined;
 
     return InkWell(
       onTap: () {
@@ -494,13 +507,13 @@ class _CompactTransactionTile extends StatelessWidget {
               width: 36,
               height: 36,
               decoration: BoxDecoration(
-                color: meta.category.color.withValues(alpha: 0.14),
+                color: iconColor.withValues(alpha: 0.14),
                 borderRadius: BorderRadius.circular(10),
               ),
               child: Icon(
-                meta.category.icon,
+                iconData,
                 size: 18,
-                color: meta.category.color,
+                color: iconColor,
               ),
             ),
             const SizedBox(width: 12),
@@ -521,7 +534,8 @@ class _CompactTransactionTile extends StatelessWidget {
                   Text(
                     [
                       formatIsoDate(tx.date),
-                      if (meta.hasCategory) meta.category.label,
+                      if (labels.isNotEmpty)
+                        labels.map((l) => l.name).join(', '),
                       if (meta.recurring) 'Recurring',
                       if (meta.hasNotes) 'Note',
                       if (tx.pending) 'Pending',

lib/services/storage_service.dart

@@ -5,6 +5,7 @@ import 'dart:convert';
 
 import 'package:shared_preferences/shared_preferences.dart';
 
+import '../models/bank.dart';
 import '../models/transaction_meta.dart';
 import '../utils/constants.dart';
 
@@ -12,13 +13,81 @@ import '../utils/constants.dart';
 class TxMetaStoreData {
   const TxMetaStoreData({
     this.byId = const {},
-    this.categoryByDescription = const {},
+    this.labelsByMerchant = const {},
+    this.notesByMerchant = const {},
     this.exactTemplates = const {},
+    this.customLabels = const [],
   });
 
   final Map<String, TxMeta> byId;
-  final Map<String, TxCategory> categoryByDescription;
+  final Map<String, List<String>> labelsByMerchant;
+  final Map<String, String> notesByMerchant;
   final Map<String, TxExactTemplate> exactTemplates;
+  final List<TxLabel> customLabels;
+}
+
+/// Cached bank payload so the app stays usable across restarts / brief outages.
+class BankCache {
+  const BankCache({
+    required this.status,
+    this.balance,
+    this.transactions = const [],
+  });
+
+  final ConnectStatus status;
+  final BankBalance? balance;
+  final List<BankTransaction> transactions;
+
+  Map<String, dynamic> toJson() => {
+        'status': {
+          'status': status.status,
+          'linked': status.linked,
+          'accountId': status.accountId,
+          'sessionId': status.sessionId,
+          'state': status.state,
+          'validUntil': status.validUntil,
+        },
+        'balance': balance == null
+            ? null
+            : {
+                'amount': balance!.amount,
+                'currency': balance!.currency,
+                'balanceType': balance!.balanceType,
+              },
+        'transactions': [
+          for (final tx in transactions)
+            {
+              'date': tx.date,
+              'description': tx.description,
+              'amount': tx.amount,
+              'currency': tx.currency,
+              'pending': tx.pending,
+            },
+        ],
+      };
+
+  factory BankCache.fromJson(Map<String, dynamic> json) {
+    final statusRaw = json['status'];
+    final status = statusRaw is Map
+        ? ConnectStatus.fromJson(Map<String, dynamic>.from(statusRaw))
+        : ConnectStatus.disconnected;
+    final balanceRaw = json['balance'];
+    final balance = balanceRaw is Map
+        ? BankBalance.fromJson(Map<String, dynamic>.from(balanceRaw))
+        : null;
+    final txsRaw = json['transactions'];
+    final transactions = txsRaw is List
+        ? txsRaw
+            .whereType<Map>()
+            .map((e) => BankTransaction.fromJson(Map<String, dynamic>.from(e)))
+            .toList(growable: false)
+        : const <BankTransaction>[];
+    return BankCache(
+      status: status,
+      balance: balance,
+      transactions: transactions,
+    );
+  }
 }
 
 /// Loads and stores user preferences. Call [init] once at startup.
@@ -52,34 +121,54 @@ class StorageService {
     return _prefs.setBool(StorageKeys.useRemoteData, value);
   }
 
+  BankCache? loadBankCache() {
+    final raw = _prefs.getString(StorageKeys.bankCache);
+    if (raw == null || raw.isEmpty) return null;
+    try {
+      final decoded = jsonDecode(raw);
+      if (decoded is! Map) return null;
+      return BankCache.fromJson(Map<String, dynamic>.from(decoded));
+    } catch (_) {
+      return null;
+    }
+  }
+
+  Future<void> saveBankCache(BankCache cache) {
+    return _prefs.setString(StorageKeys.bankCache, jsonEncode(cache.toJson()));
+  }
+
+  Future<void> clearBankCache() {
+    return _prefs.remove(StorageKeys.bankCache);
+  }
+
   TxMetaStoreData loadTxMetaStore() {
     final raw = _prefs.getString(StorageKeys.txMeta);
     if (raw != null && raw.isNotEmpty) {
       return _decodeStore(raw);
     }
 
-    // Migrate flat v1 map → v2 store.
     final legacy = _prefs.getString(StorageKeys.txMetaLegacy);
     if (legacy == null || legacy.isEmpty) return const TxMetaStoreData();
     try {
       final decoded = jsonDecode(legacy);
       if (decoded is! Map) return const TxMetaStoreData();
       final byId = <String, TxMeta>{};
-      final categoryByDescription = <String, TxCategory>{};
+      final labelsByMerchant = <String, List<String>>{};
       decoded.forEach((key, value) {
         if (key is! String || value is! Map) return;
         final meta = TxMeta.fromJson(Map<String, dynamic>.from(value));
         byId[key] = meta;
-        if (meta.hasCategory) {
+        if (meta.hasLabel) {
           final desc = _descriptionFromLegacyId(key);
           if (desc != null) {
-            categoryByDescription[desc] = meta.category;
+            labelsByMerchant[merchantKeyFromDescription(desc)] =
+                List<String>.of(meta.labelIds);
           }
         }
       });
       return TxMetaStoreData(
         byId: byId,
-        categoryByDescription: categoryByDescription,
+        labelsByMerchant: labelsByMerchant,
       );
     } catch (_) {
       return const TxMetaStoreData();
@@ -91,31 +180,30 @@ class StorageService {
       'byId': {
         for (final e in store.byId.entries) e.key: e.value.toJson(),
       },
-      'categoryByDescription': {
+      'labelsByMerchant': {
-        for (final e in store.categoryByDescription.entries)
+        for (final e in store.labelsByMerchant.entries) e.key: e.value,
-          e.key: e.value.name,
       },
+      // Legacy single-label map for older builds.
+      'labelByMerchant': {
+        for (final e in store.labelsByMerchant.entries)
+          if (e.value.isNotEmpty) e.key: e.value.first,
+      },
+      'categoryByDescription': {
+        for (final e in store.labelsByMerchant.entries)
+          if (e.value.isNotEmpty) e.key: e.value.first,
+      },
+      'notesByMerchant': store.notesByMerchant,
+      'notesByDescription': store.notesByMerchant,
       'exactTemplates': {
         for (final e in store.exactTemplates.entries) e.key: e.value.toJson(),
       },
+      'customLabels': [
+        for (final label in store.customLabels) label.toJson(),
+      ],
     };
     return _prefs.setString(StorageKeys.txMeta, jsonEncode(encoded));
   }
 
-  /// Deprecated shim used by older call sites during transition.
-  Map<String, TxMeta> loadTxMeta() => loadTxMetaStore().byId;
-
-  Future<void> saveTxMeta(Map<String, TxMeta> meta) {
-    final current = loadTxMetaStore();
-    return saveTxMetaStore(
-      TxMetaStoreData(
-        byId: meta,
-        categoryByDescription: current.categoryByDescription,
-        exactTemplates: current.exactTemplates,
-      ),
-    );
-  }
-
   TxMetaStoreData _decodeStore(String raw) {
     try {
       final decoded = jsonDecode(raw);
@@ -132,12 +220,46 @@ class StorageService {
         });
       }
 
-      final categoryByDescription = <String, TxCategory>{};
+      final labelsByMerchant = <String, List<String>>{};
-      final cats = root['categoryByDescription'];
+      final multi = root['labelsByMerchant'];
-      if (cats is Map) {
+      if (multi is Map) {
-        cats.forEach((key, value) {
+        multi.forEach((key, value) {
-          if (key is String && value is String) {
+          if (key is! String) return;
-            categoryByDescription[key] = TxCategoryX.fromName(value);
+          if (value is List) {
+            final ids = [
+              for (final item in value)
+                if (item is String &&
+                    item.isNotEmpty &&
+                    item != 'uncategorized' &&
+                    item != 'other')
+                  item,
+            ];
+            if (ids.isNotEmpty) labelsByMerchant[key] = ids;
+          } else if (value is String &&
+              value.isNotEmpty &&
+              value != 'uncategorized' &&
+              value != 'other') {
+            labelsByMerchant[key] = [value];
+          }
+        });
+      } else {
+        final singles =
+            root['labelByMerchant'] ?? root['categoryByDescription'];
+        if (singles is Map) {
+          singles.forEach((key, value) {
+            if (key is! String || value is! String) return;
+            if (value == 'uncategorized' || value == 'other') return;
+            labelsByMerchant[key] = [value];
+          });
+        }
+      }
+
+      final notesByMerchant = <String, String>{};
+      final notesRaw = root['notesByMerchant'] ?? root['notesByDescription'];
+      if (notesRaw is Map) {
+        notesRaw.forEach((key, value) {
+          if (key is String && value is String && value.trim().isNotEmpty) {
+            notesByMerchant[key] = value;
           }
         });
       }
@@ -153,10 +275,24 @@ class StorageService {
         });
       }
 
+      final customLabels = <TxLabel>[];
+      final customs = root['customLabels'];
+      if (customs is List) {
+        for (final item in customs) {
+          if (item is Map) {
+            customLabels.add(
+              TxLabel.fromJson(Map<String, dynamic>.from(item)),
+            );
+          }
+        }
+      }
+
       return TxMetaStoreData(
         byId: byId,
-        categoryByDescription: categoryByDescription,
+        labelsByMerchant: labelsByMerchant,
+        notesByMerchant: notesByMerchant,
         exactTemplates: exactTemplates,
+        customLabels: customLabels,
       );
     } catch (_) {
       return const TxMetaStoreData();

lib/utils/constants.dart

@@ -13,23 +13,25 @@ const Duration kSplashDuration = Duration(seconds: 2);
 /// Base URL for the personal ingtrak FastAPI backend.
 ///
 /// Override at build/run time:
-/// `flutter run --dart-define=API_BASE_URL=http://192.168.1.114:8000`
+/// `flutter run --dart-define=API_BASE_URL=https://ingtrak.satoshinakamoto.win`
 ///
-/// Defaults:
+/// Local defaults (when override omitted):
-/// - Android emulator → `http://10.0.2.2:8000` (host loopback)
+/// - Android emulator → `http://10.0.2.2:8000`
-/// - iOS Simulator → `http://127.0.0.1:8000`
+/// - Physical device on LAN → `http://192.168.x.x:8000`
-/// - Physical device → Mac LAN IP, e.g. `http://192.168.1.114:8000`
 const String kApiBaseUrl = String.fromEnvironment(
   'API_BASE_URL',
-  defaultValue: 'http://10.0.2.2:8000',
+  defaultValue: 'https://ingtrak.satoshinakamoto.win',
 );
 
-/// Enable Banking only accepts http(s) redirect URLs (not custom schemes).
+/// Enable Banking redirect derived from [kApiBaseUrl].
-/// Keep this exact value in the Control Panel and backend `REDIRECT_URI`.
+/// Must match backend `REDIRECT_URI` and the Control Panel whitelist.
-/// The app opens auth in a WebView and intercepts this callback to read `code`.
+/// The app opens auth in a WebView and intercepts this callback path for `code`.
-const String kEnableBankingRedirectUri =
+String get kEnableBankingRedirectUri {
-    'http://localhost:8000/api/connect/callback';
+  final base = kApiBaseUrl.endsWith('/')
-
+      ? kApiBaseUrl.substring(0, kApiBaseUrl.length - 1)
+      : kApiBaseUrl;
+  return '$base/api/connect/callback';
+}
 /// Optional app-scheme bounce used after the http callback (not registered
 /// with Enable Banking).
 const String kBankRedirectScheme = 'ingtrak';
@@ -42,6 +44,7 @@ abstract final class StorageKeys {
   static const useRemoteData = 'use_remote_data';
   static const txMeta = 'tx_meta_v2';
   static const txMetaLegacy = 'tx_meta_v1';
+  static const bankCache = 'bank_cache_v1';
 }
 
 /// Named routes registered on [MaterialApp].

lib/utils/look_ahead.dart

@@ -12,14 +12,14 @@ class RecurringItem {
     required this.amount,
     required this.currency,
     required this.dayOfMonth,
-    required this.category,
+    this.labelIds = const [],
   });
 
   final String description;
   final double amount;
   final String currency;
   final int dayOfMonth;
-  final TxCategory category;
+  final List<String> labelIds;
 }
 
 /// Build unique recurring templates from annotated transactions.
@@ -51,7 +51,7 @@ List<RecurringItem> recurringItemsFrom({
         amount: tx.amount,
         currency: tx.currency,
         dayOfMonth: (DateTime.tryParse(tx.date)?.day ?? 1).clamp(1, 28),
-        category: metaFor(tx).category,
+        labelIds: List<String>.of(metaFor(tx).labelIds),
       ),
   ];
 }

test/widget_test.dart

@@ -41,19 +41,21 @@ void main() {
     expect(start.state, 'abc');
   });
 
-  test('BankTransaction match keys support auto-category and notes', () {
+  test('BankTransaction match keys support auto-label and notes', () {
     final tx = BankTransaction.fromJson({
       'date': '2026-09-01',
-      'description': 'Coffee Shop',
+      'description':
+          'BCK*AH CAMPUS DIEMEN ZUID NLD Pasvolgnr: 001 Transactie: C00338123',
       'amount': -3.5,
       'currency': 'EUR',
       'pending': false,
     });
-    expect(tx.descriptionKey, 'coffee shop');
+    expect(tx.descriptionKey, contains('pasvolgnr'));
-    expect(tx.exactKey, contains('coffee shop'));
+    expect(tx.merchantKey, contains('ah campus diemen'));
+    expect(tx.merchantKey.contains('pasvolgnr'), isFalse);
     expect(tx.exactKey, contains('-3.5'));
     expect(formatMoney(tx.amount, tx.currency), contains('EUR'));
-    expect(TxCategory.groceries.label, 'Groceries');
+    expect(kBuiltinLabels.first.name, 'Groceries');
   });
 
   test('look-ahead applies monthly recurring amounts', () {
@@ -63,14 +65,14 @@ void main() {
         amount: 2000,
         currency: 'EUR',
         dayOfMonth: 25,
-        category: TxCategory.salary,
+        labelIds: ['salary'],
       ),
       const RecurringItem(
         description: 'Rent',
         amount: -900,
         currency: 'EUR',
         dayOfMonth: 1,
-        category: TxCategory.mortgage,
+        labelIds: ['mortgage'],
       ),
     ];
     final from = DateTime(2026, 9, 6);