diff --git a/android/app/build.gradle.kts b/android/app/build.gradle.kts
index 00804d4..806cabb 100644
--- a/android/app/build.gradle.kts
+++ b/android/app/build.gradle.kts
@@ -6,7 +6,8 @@ plugins {
 
 android {
     namespace = "com.example.myapp"
-    compileSdk = flutter.compileSdkVersion
+    // file_picker / flutter_plugin_android_lifecycle require API 36+.
+    compileSdk = 36
     ndkVersion = flutter.ndkVersion
 
     compileOptions {
diff --git a/android/build.gradle.kts b/android/build.gradle.kts
index dbee657..571d1b3 100644
--- a/android/build.gradle.kts
+++ b/android/build.gradle.kts
@@ -15,8 +15,25 @@ subprojects {
     val newSubprojectBuildDir: Directory = newBuildDir.dir(project.name)
     project.layout.buildDirectory.value(newSubprojectBuildDir)
 }
+
+// Force plugins (e.g. file_picker) onto compileSdk 36 so they satisfy
+// flutter_plugin_android_lifecycle AAR metadata checks.
 subprojects {
-    project.evaluationDependsOn(":app")
+    afterEvaluate {
+        val android = extensions.findByName("android") ?: return@afterEvaluate
+        for (name in listOf("setCompileSdk", "setCompileSdkVersion")) {
+            try {
+                android.javaClass
+                    .getMethod(name, Int::class.javaPrimitiveType)
+                    .invoke(android, 36)
+                break
+            } catch (_: NoSuchMethodException) {
+                // try next
+            } catch (_: Exception) {
+                break
+            }
+        }
+    }
 }
 
 tasks.register<Delete>("clean") {
diff --git a/lib/models/transaction_meta.dart b/lib/models/transaction_meta.dart
index ea0ae0c..f4d4110 100644
--- a/lib/models/transaction_meta.dart
+++ b/lib/models/transaction_meta.dart
@@ -207,7 +207,11 @@ 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+'), ' ');
+  var s = description
+      .trim()
+      .toLowerCase()
+      .replaceAll('·', ' ')
+      .replaceAll(RegExp(r'\s+'), ' ');
   if (s.startsWith('naam:')) {
     s = s.substring(5).trim();
     final om = s.indexOf(' omschrijving:');
@@ -216,7 +220,7 @@ String merchantKeyFromDescription(String description) {
 
   const markers = [
     ' pasvolgnr',
-    ' kaartnr',
+    'kaartnr',
     ' datum:',
     ' tijd:',
     ' transactie:',
diff --git a/lib/providers/bank_provider.dart b/lib/providers/bank_provider.dart
index dee592f..1500546 100644
--- a/lib/providers/bank_provider.dart
+++ b/lib/providers/bank_provider.dart
@@ -4,20 +4,32 @@ library;
 import 'package:flutter/foundation.dart';
 
 import '../models/bank.dart';
+import '../services/ing_csv_import.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.
+/// App-wide banking state backed by the local ingtrak API + optional CSV import.
 class BankController extends ChangeNotifier {
   BankController({IngtrakApi? api, this._storage})
       : _api = api ?? IngtrakApi() {
     final cached = _storage?.loadBankCache();
-    if (cached != null && cached.status.linked) {
-      _status = cached.status;
+    if (cached != null) {
+      // Restore last snapshot even if status.linked was lost — avoid empty UI.
+      _status = cached.status.linked
+          ? cached.status
+          : ConnectStatus(
+              status: cached.status.status,
+              linked: cached.balance != null || cached.transactions.isNotEmpty,
+              accountId: cached.status.accountId,
+              sessionId: cached.status.sessionId,
+              state: cached.status.state,
+              validUntil: cached.status.validUntil,
+            );
       _balance = cached.balance;
-      _transactions = cached.transactions;
+      _remoteTransactions = cached.transactions;
     }
+    _importedTransactions = _storage?.loadImportedTransactions() ?? const [];
   }
 
   final IngtrakApi _api;
@@ -25,39 +37,112 @@ class BankController extends ChangeNotifier {
 
   ConnectStatus _status = ConnectStatus.disconnected;
   BankBalance? _balance;
-  List<BankTransaction> _transactions = const [];
+  List<BankTransaction> _remoteTransactions = const [];
+  List<BankTransaction> _importedTransactions = const [];
 
   bool _isLoading = false;
   bool _isConnecting = false;
+  bool _isImporting = false;
   String? _error;
   String? _pendingState;
 
   ConnectStatus get status => _status;
   BankBalance? get balance => _balance;
-  List<BankTransaction> get transactions => List.unmodifiable(_transactions);
+
+  /// Remote API txs merged with locally imported CSV txs (deduped).
+  List<BankTransaction> get transactions =>
+      mergeTransactions(_remoteTransactions, _importedTransactions);
+
+  int get importedCount => _importedTransactions.length;
   bool get isLoading => _isLoading;
   bool get isConnecting => _isConnecting;
+  bool get isImporting => _isImporting;
   String? get error => _error;
   bool get isLinked => _status.linked;
+
+  /// True when we have anything useful to show (API cache and/or CSV import).
+  bool get hasData =>
+      _balance != null ||
+      _remoteTransactions.isNotEmpty ||
+      _importedTransactions.isNotEmpty;
+
   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();
+    if (_balance == null && _remoteTransactions.isEmpty) {
+      // Only clear disk when we truly have nothing left to show from the API.
+      if (!_status.linked) {
+        await storage.clearBankCache();
+      }
       return;
     }
     await storage.saveBankCache(
       BankCache(
-        status: _status,
+        status: ConnectStatus(
+          status: _status.status,
+          linked: true,
+          accountId: _status.accountId,
+          sessionId: _status.sessionId,
+          state: _status.state,
+          validUntil: _status.validUntil,
+        ),
         balance: _balance,
-        transactions: _transactions,
+        transactions: _remoteTransactions,
       ),
     );
   }
 
+  Future<void> _persistImported() async {
+    final storage = _storage;
+    if (storage == null) return;
+    await storage.saveImportedTransactions(_importedTransactions);
+  }
+
+  /// Import an ING CSV/semicolon export. Skips rows that match existing txs.
+  Future<CsvImportResult> importIngCsv(String raw) async {
+    _isImporting = true;
+    _error = null;
+    notifyListeners();
+
+    try {
+      final result = importIngCsvAgainst(
+        raw: raw,
+        existing: transactions,
+      );
+      if (result.added.isNotEmpty) {
+        _importedTransactions = mergeTransactions(
+          _importedTransactions,
+          result.added,
+        );
+        _importedTransactions = filterNewTransactions(
+          _remoteTransactions,
+          _importedTransactions,
+        );
+        await _persistImported();
+      }
+      return result;
+    } on FormatException catch (error) {
+      _error = error.message;
+      rethrow;
+    } catch (error, stackTrace) {
+      _error = 'Could not import CSV';
+      debugPrint('BankController.importIngCsv failed: $error\n$stackTrace');
+      rethrow;
+    } finally {
+      _isImporting = false;
+      notifyListeners();
+    }
+  }
+
+  Future<void> clearImportedTransactions() async {
+    _importedTransactions = const [];
+    await _storage?.clearImportedTransactions();
+    notifyListeners();
+  }
+
   /// Load status; if linked, also load balance + transactions.
   Future<void> refresh() async {
     _isLoading = true;
@@ -65,25 +150,33 @@ class BankController extends ChangeNotifier {
     notifyListeners();
 
     try {
-      _status = await _api.fetchStatus();
-      if (_status.linked) {
+      try {
+        _status = await _api.fetchStatus();
+      } on IngtrakApiException catch (error) {
+        // Status often 500 while balance/tx still work — keep going if we
+        // already have a link (or local data).
+        if (!isLinked && !hasData) rethrow;
+        debugPrint(
+          'BankController.fetchStatus soft-failed (using cache): $error',
+        );
+      }
+
+      // Prefer loading live data whenever we believe we are linked OR still
+      // have a local snapshot. Never wipe local txs because status said
+      // "unlinked" — only a 409 from balance/transactions clears them.
+      if (_status.linked || hasData) {
         await _loadLinkedData();
         await _persistCache();
-      } else {
-        _balance = null;
-        _transactions = const [];
-        await _persistCache();
       }
     } on IngtrakApiException catch (error, stackTrace) {
-      // Keep cached linked data on transient API errors.
-      if (!isLinked || (_balance == null && _transactions.isEmpty)) {
+      if (!hasData) {
         _error = error.message;
       } else {
         _error = 'Using saved data · ${error.message}';
       }
       debugPrint('BankController.refresh failed: $error\n$stackTrace');
     } catch (error, stackTrace) {
-      if (!isLinked || (_balance == null && _transactions.isEmpty)) {
+      if (!hasData) {
         _error = 'Could not reach $apiBaseUrl';
       } else {
         _error = 'Using saved data · offline/unreachable API';
@@ -102,19 +195,35 @@ class BankController extends ChangeNotifier {
         _api.fetchTransactions(),
       ]);
       _balance = results[0] as BankBalance;
-      _transactions = results[1] as List<BankTransaction>;
+      _remoteTransactions = results[1] as List<BankTransaction>;
+      if (!_status.linked) {
+        _status = ConnectStatus(
+          status: 'linked',
+          linked: true,
+          accountId: _status.accountId,
+          sessionId: _status.sessionId,
+          state: _status.state,
+          validUntil: _status.validUntil,
+        );
+      }
+      _importedTransactions = filterNewTransactions(
+        _remoteTransactions,
+        _importedTransactions,
+      );
+      await _persistImported();
       _error = null;
     } on IngtrakApiException catch (error) {
       if (error.isNotLinked) {
+        // Confirmed unlinked by data endpoints — clear remote only.
         _status = ConnectStatus.disconnected;
         _balance = null;
-        _transactions = const [];
+        _remoteTransactions = const [];
         _error = error.message;
         await _persistCache();
-      } else if (_balance == null && _transactions.isEmpty) {
+      } else if (!hasData) {
         _error = error.message;
       } else {
-        // Keep previous balance/txs if refresh of data fails but still linked.
+        // Keep previous balance/txs if refresh of data fails.
         _error = 'Using saved data · ${error.message}';
       }
     }
@@ -160,17 +269,16 @@ class BankController extends ChangeNotifier {
       return completeWithCode(code: code, state: state);
     }
 
-    // Backend already exchanged the code; just refresh local state.
     if (uri.queryParameters['linked'] == '1') {
       await refresh();
-      if (!isLinked) {
+      if (!isLinked && !hasData) {
         _error =
             'Returned to the app, but the backend still has no linked session. '
             'Finish login inside the in-app WebView (do not open the email '
             'link in another browser), then pull to refresh.';
         notifyListeners();
       }
-      return isLinked;
+      return isLinked || hasData;
     }
 
     final redirectError = uri.queryParameters['error'];
diff --git a/lib/screens/home_screen.dart b/lib/screens/home_screen.dart
index fa1382b..3cdeec5 100644
--- a/lib/screens/home_screen.dart
+++ b/lib/screens/home_screen.dart
@@ -54,11 +54,11 @@ class _HomeBody extends StatelessWidget {
 
   @override
   Widget build(BuildContext context) {
-    if (bank.isLoading && bank.balance == null && !bank.isLinked) {
+    if (bank.isLoading && bank.balance == null && !bank.hasData) {
       return const LoadingView(message: 'Checking bank link…');
     }
 
-    if (!bank.isLinked) {
+    if (!bank.isLinked && !bank.hasData) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
@@ -74,7 +74,7 @@ class _HomeBody extends StatelessWidget {
       );
     }
 
-    if (bank.error != null && bank.balance == null) {
+    if (bank.error != null && bank.balance == null && !bank.hasData) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
diff --git a/lib/screens/overview_screen.dart b/lib/screens/overview_screen.dart
index 66b2d6a..4682469 100644
--- a/lib/screens/overview_screen.dart
+++ b/lib/screens/overview_screen.dart
@@ -1,23 +1,19 @@
-/// Overview: current balance, charts, and look-ahead balance forecast.
+/// Overview: monthly income/expense chart, summary cards, and day history.
 library;
 
 import 'package:fl_chart/fl_chart.dart';
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
-import '../models/transaction_meta.dart';
+import '../models/bank.dart';
 import '../providers/bank_provider.dart';
-import '../providers/tx_meta_provider.dart';
 import '../utils/helpers.dart';
-import '../utils/look_ahead.dart';
 import '../utils/navigation.dart';
 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 }
+import 'transactions_screen.dart';
 
 class OverviewScreen extends StatefulWidget {
   const OverviewScreen({super.key});
@@ -27,39 +23,11 @@ class OverviewScreen extends StatefulWidget {
 }
 
 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());
-    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),
-      ),
-    );
-  }
+  static const _chartMonths = 6;
 
   @override
   Widget build(BuildContext context) {
     final bank = context.watch<BankController>();
-    final meta = context.watch<TxMetaController>();
 
     return Scaffold(
       appBar: AppBar(
@@ -73,17 +41,13 @@ class _OverviewScreenState extends State<OverviewScreen> {
       body: RefreshIndicator(
         onRefresh: bank.refresh,
         child: ResponsiveBody(
-          child: _buildBody(context, bank, meta),
+          child: _buildBody(context, bank),
         ),
       ),
     );
   }
 
-  Widget _buildBody(
-    BuildContext context,
-    BankController bank,
-    TxMetaController meta,
-  ) {
+  Widget _buildBody(BuildContext context, BankController bank) {
     final theme = Theme.of(context);
     final colors = theme.colorScheme;
 
@@ -91,7 +55,7 @@ class _OverviewScreenState extends State<OverviewScreen> {
       return const LoadingView(message: 'Loading overview…');
     }
 
-    if (!bank.isLinked) {
+    if (!bank.isLinked && !bank.hasData) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: const [
@@ -108,502 +72,559 @@ class _OverviewScreenState extends State<OverviewScreen> {
         (bank.transactions.isNotEmpty
             ? bank.transactions.first.currency
             : 'EUR');
-    final currentBalance = bank.balance?.amount ?? 0;
-    final byLabel = meta.spendByLabel(bank.transactions);
-    final byDay = meta.spendByDayInMonth(bank.transactions, _chartMonth);
-    final totalSpend = meta.labeledSpendTotal(bank.transactions);
-
-    final recurrings = recurringItemsFrom(
-      transactions: bank.transactions,
-      metaFor: meta.metaFor,
-    );
-    final today = dateOnly(DateTime.now());
-    final lookAheadEnd = DateTime(
-      _lookAheadMonth.year,
-      _lookAheadMonth.month + 1,
-      0,
-    );
-    final predicted = predictBalance(
-      currentBalance: currentBalance,
-      from: today,
-      throughDate: lookAheadEnd,
-      items: recurrings,
-    );
-    final projected = projectedOccurrences(
-      items: recurrings,
-      from: today,
-      to: lookAheadEnd,
-    );
+    final months = _lastMonths(_chartMonths);
+    final monthly = _monthlyTotals(bank.transactions, months);
     final nowMonth = monthStart(DateTime.now());
+    final current = monthly[nowMonth] ??
+        const _MonthBucket(income: 0, expense: 0);
+    final history = _monthHistory(bank.transactions);
+    final incomeColor = colors.primary;
+    final expenseColor = const Color(0xFF6FCF97);
 
     return ListView(
       physics: const AlwaysScrollableScrollPhysics(),
-      padding: const EdgeInsets.only(top: 8, bottom: 32),
+      padding: const EdgeInsets.fromLTRB(0, 8, 0, 32),
       children: [
-        Text('Current balance', style: theme.textTheme.labelMedium),
-        const SizedBox(height: 4),
-        Text(
-          formatMoney(currentBalance, currency),
-          style: theme.textTheme.headlineMedium,
-        ),
-        const SizedBox(height: 20),
-        SwitchListTile(
-          contentPadding: EdgeInsets.zero,
-          secondary: const Icon(Icons.auto_graph_outlined),
-          title: const Text('Look ahead'),
-          subtitle: const Text(
-            'Project balance from recurring income and spend',
+        if (bank.error != null) ...[
+          Text(
+            bank.error!,
+            style: theme.textTheme.bodyMedium?.copyWith(color: colors.error),
           ),
-          value: _lookAheadEnabled,
-          onChanged: (value) {
-            setState(() {
-              _lookAheadEnabled = value;
-              if (value && _lookAheadMonth.isBefore(nowMonth)) {
-                _lookAheadMonth = nowMonth;
-              }
-            });
-          },
+          const SizedBox(height: 12),
+        ],
+        _ChartCard(
+          months: months,
+          monthly: monthly,
+          currency: currency,
+          incomeColor: incomeColor,
+          expenseColor: expenseColor,
         ),
-        if (_lookAheadEnabled) ...[
-          const SizedBox(height: 8),
-          Card(
-            child: Padding(
-              padding: const EdgeInsets.fromLTRB(8, 8, 8, 16),
-              child: Column(
-                crossAxisAlignment: CrossAxisAlignment.stretch,
-                children: [
-                  Row(
-                    children: [
-                      IconButton(
-                        tooltip: 'Previous month',
-                        onPressed: () => _goLookAheadMonth(-1),
-                        icon: const Icon(Icons.chevron_left),
-                      ),
-                      Expanded(
-                        child: Text(
-                          formatMonthYear(_lookAheadMonth),
-                          textAlign: TextAlign.center,
-                          style: theme.textTheme.titleMedium,
-                        ),
-                      ),
-                      IconButton(
-                        tooltip: 'Next month',
-                        onPressed: () => _goLookAheadMonth(1),
-                        icon: const Icon(Icons.chevron_right),
-                      ),
-                    ],
-                  ),
-                  Text(
-                    'Predicted balance',
-                    textAlign: TextAlign.center,
-                    style: theme.textTheme.labelMedium,
-                  ),
-                  const SizedBox(height: 4),
-                  Text(
-                    formatMoney(predicted, currency),
-                    textAlign: TextAlign.center,
-                    style: theme.textTheme.headlineMedium?.copyWith(
-                      color: predicted >= currentBalance
-                          ? colors.primary
-                          : colors.error,
-                    ),
-                  ),
-                  const SizedBox(height: 4),
-                  Text(
-                    _lookAheadMonth == nowMonth && !lookAheadEnd.isAfter(today)
-                        ? 'Mark transactions as recurring to forecast'
-                        : 'Through ${formatDate(lookAheadEnd)} · '
-                            '${projected.length} projected '
-                            '${projected.length == 1 ? 'item' : 'items'}',
-                    textAlign: TextAlign.center,
-                    style: theme.textTheme.bodyMedium,
-                  ),
-                  if (recurrings.isEmpty) ...[
-                    const SizedBox(height: 12),
-                    Text(
-                      'No recurring transactions yet. Open a transaction and '
-                      'enable Recurring.',
-                      textAlign: TextAlign.center,
-                      style: theme.textTheme.bodyMedium,
-                    ),
-                  ] else if (projected.isNotEmpty) ...[
-                    const SizedBox(height: 12),
-                    for (final row in projected.take(12))
-                      ListTile(
-                        dense: true,
-                        contentPadding:
-                            const EdgeInsets.symmetric(horizontal: 8),
-                        leading: Builder(
-                          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,
-                          maxLines: 1,
-                          overflow: TextOverflow.ellipsis,
-                        ),
-                        subtitle: Text(formatDate(row.date)),
-                        trailing: Text(
-                          formatMoney(row.item.amount, row.item.currency),
-                          style: theme.textTheme.titleSmall?.copyWith(
-                            color: row.item.amount >= 0
-                                ? colors.primary
-                                : colors.error,
-                          ),
-                        ),
-                      ),
-                    if (projected.length > 12)
-                      Text(
-                        '+${projected.length - 12} more…',
-                        textAlign: TextAlign.center,
-                        style: theme.textTheme.labelMedium,
-                      ),
-                  ],
-                ],
+        const SizedBox(height: 14),
+        Row(
+          children: [
+            Expanded(
+              child: _SummaryCard(
+                icon: Icons.savings_outlined,
+                iconBackground: incomeColor.withValues(alpha: 0.14),
+                iconColor: incomeColor,
+                amount: formatMoney(current.income, currency),
+                label: 'Income',
               ),
             ),
-          ),
-        ],
-        const SizedBox(height: 20),
-        Text('Money out (labeled)', style: theme.textTheme.labelMedium),
-        const SizedBox(height: 4),
-        Text(
-          formatMoney(totalSpend, currency),
-          style: theme.textTheme.titleLarge,
-        ),
-        const SizedBox(height: 16),
-        SegmentedButton<_StatsMode>(
-          segments: const [
-            ButtonSegment(
-              value: _StatsMode.category,
-              label: Text('Label'),
-              icon: Icon(Icons.label_outline),
-            ),
-            ButtonSegment(
-              value: _StatsMode.month,
-              label: Text('By day'),
-              icon: Icon(Icons.bar_chart_outlined),
+            const SizedBox(width: 12),
+            Expanded(
+              child: _SummaryCard(
+                icon: Icons.receipt_long_outlined,
+                iconBackground: expenseColor.withValues(alpha: 0.18),
+                iconColor: const Color(0xFF2F9E62),
+                amount: formatMoney(current.expense, currency),
+                label: 'Expenses',
+              ),
             ),
           ],
-          selected: {_mode},
-          onSelectionChanged: (selection) {
-            setState(() => _mode = selection.first);
-          },
         ),
-        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
-              ? Center(
-                  child: Text(
-                    'Transactions will appear here once loaded.',
-                    style: theme.textTheme.bodyMedium,
-                  ),
-                )
-              : _mode == _StatsMode.category
-                  ? _LabelBars(
-                      data: byLabel,
-                      resolve: meta.labelById,
-                      currency: currency,
-                      onBarTap: _openLabel,
-                    )
-                  : _DayBars(data: byDay, currency: currency),
+        const SizedBox(height: 8),
+        Text(
+          formatMonthYear(nowMonth),
+          style: theme.textTheme.labelMedium,
         ),
         const SizedBox(height: 20),
-        if (_mode == _StatsMode.category)
-          ..._labelLegend(context, byLabel, meta, currency)
+        Text('History', style: theme.textTheme.titleLarge),
+        const SizedBox(height: 12),
+        if (history.isEmpty)
+          Text(
+            'No monthly activity to show.',
+            style: theme.textTheme.bodyMedium,
+          )
         else
-          ..._dayLegend(context, byDay, currency),
+          for (final month in history) ...[
+            _HistoryCard(
+              month: month.month,
+              income: month.income,
+              expense: month.expense,
+              currency: currency,
+              onTap: () => _openMonth(context, month.month),
+            ),
+            const SizedBox(height: 10),
+          ],
       ],
     );
   }
 
-  List<Widget> _labelLegend(
-    BuildContext context,
-    Map<String, double> data,
-    TxMetaController meta,
-    String currency,
-  ) {
-    final entries = data.entries.toList()
-      ..sort((a, b) => b.value.compareTo(a.value));
-    if (entries.isEmpty) {
-      return [
-        Text(
-          'No labeled outflows yet. Add a label from a transaction.',
-          style: Theme.of(context).textTheme.bodyMedium,
-        ),
-      ];
-    }
-    return [
-      for (final entry in entries)
-        Builder(
-          builder: (context) {
-            final label = meta.labelById(entry.key);
-            if (label == null) return const SizedBox.shrink();
-            return ListTile(
-              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> _dayLegend(
-    BuildContext context,
-    Map<String, double> data,
-    String currency,
-  ) {
-    final spent = data.entries.where((e) => e.value > 0).toList().reversed;
-    if (spent.isEmpty) {
-      return [
-        Text(
-          'No outflows this month.',
-          style: Theme.of(context).textTheme.bodyMedium,
-        ),
-      ];
-    }
-    return [
-      for (final entry in spent)
-        ListTile(
-          contentPadding: EdgeInsets.zero,
-          dense: true,
-          leading: const Icon(Icons.calendar_today_outlined),
-          title: Text(entry.key),
-          trailing: Text(formatMoney(entry.value, currency)),
-        ),
-    ];
+  void _openMonth(BuildContext context, DateTime month) {
+    Navigator.of(context).push(
+      MaterialPageRoute<void>(
+        builder: (_) => TransactionsScreen(initialMonth: month),
+      ),
+    );
   }
 }
 
-class _LabelBars extends StatelessWidget {
-  const _LabelBars({
-    required this.data,
-    required this.resolve,
+class _MonthBucket {
+  const _MonthBucket({required this.income, required this.expense});
+  final double income;
+  final double expense;
+}
+
+class _MonthHistoryRow {
+  const _MonthHistoryRow({
+    required this.month,
+    required this.income,
+    required this.expense,
+  });
+  final DateTime month;
+  final double income;
+  final double expense;
+}
+
+List<DateTime> _lastMonths(int count) {
+  final now = monthStart(DateTime.now());
+  return [
+    for (var i = count - 1; i >= 0; i--) addMonths(now, -i),
+  ];
+}
+
+DateTime? _txDate(BankTransaction tx) {
+  final parsed = DateTime.tryParse(tx.date);
+  return parsed == null ? null : dateOnly(parsed);
+}
+
+Map<DateTime, _MonthBucket> _monthlyTotals(
+  List<BankTransaction> txs,
+  List<DateTime> months,
+) {
+  final totals = {
+    for (final month in months) month: (income: 0.0, expense: 0.0),
+  };
+  for (final tx in txs) {
+    final date = _txDate(tx);
+    if (date == null) continue;
+    final key = monthStart(date);
+    final current = totals[key];
+    if (current == null) continue;
+    if (tx.amount >= 0) {
+      totals[key] = (income: current.income + tx.amount, expense: current.expense);
+    } else {
+      totals[key] = (
+        income: current.income,
+        expense: current.expense + tx.amount.abs(),
+      );
+    }
+  }
+  return {
+    for (final e in totals.entries)
+      e.key: _MonthBucket(income: e.value.income, expense: e.value.expense),
+  };
+}
+
+/// Months that have activity, newest first.
+List<_MonthHistoryRow> _monthHistory(List<BankTransaction> txs) {
+  final map = <DateTime, ({double income, double expense})>{};
+  for (final tx in txs) {
+    final date = _txDate(tx);
+    if (date == null) continue;
+    final key = monthStart(date);
+    final current = map[key] ?? (income: 0.0, expense: 0.0);
+    if (tx.amount >= 0) {
+      map[key] = (income: current.income + tx.amount, expense: current.expense);
+    } else {
+      map[key] = (
+        income: current.income,
+        expense: current.expense + tx.amount.abs(),
+      );
+    }
+  }
+  final keys = map.keys.toList()..sort((a, b) => b.compareTo(a));
+  return [
+    for (final key in keys)
+      _MonthHistoryRow(
+        month: key,
+        income: map[key]!.income,
+        expense: map[key]!.expense,
+      ),
+  ];
+}
+
+class _ChartCard extends StatelessWidget {
+  const _ChartCard({
+    required this.months,
+    required this.monthly,
     required this.currency,
-    required this.onBarTap,
+    required this.incomeColor,
+    required this.expenseColor,
   });
 
-  final Map<String, double> data;
-  final TxLabel? Function(String? id) resolve;
+  final List<DateTime> months;
+  final Map<DateTime, _MonthBucket> monthly;
   final String currency;
-  final void Function(TxLabel label) onBarTap;
+  final Color incomeColor;
+  final Color expenseColor;
 
   @override
   Widget build(BuildContext context) {
-    final entries = <({TxLabel label, double 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(
-          'Label transactions to see this chart',
-          style: Theme.of(context).textTheme.bodyMedium,
-          textAlign: TextAlign.center,
-        ),
-      );
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+    var maxY = 0.0;
+    for (final month in months) {
+      final bucket = monthly[month]!;
+      if (bucket.income > maxY) maxY = bucket.income;
+      if (bucket.expense > maxY) maxY = bucket.expense;
     }
-
-    final maxY = entries.map((e) => e.value).reduce((a, b) => a > b ? a : b);
-    return BarChart(
-      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(
-                '${entry.label.name}\n${formatMoney(entry.value, currency)}',
-                TextStyle(
-                  color: Theme.of(context).colorScheme.onInverseSurface,
-                ),
-              );
-            },
-          ),
-        ),
-        titlesData: FlTitlesData(
-          topTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          rightTitles:
-              const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          leftTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          bottomTitles: AxisTitles(
-            sideTitles: SideTitles(
-              showTitles: true,
-              reservedSize: 42,
-              getTitlesWidget: (value, meta) {
-                final index = value.toInt();
-                if (index < 0 || index >= entries.length) {
-                  return const SizedBox.shrink();
-                }
-                final label = entries[index].label.name;
-                return Padding(
-                  padding: const EdgeInsets.only(top: 8),
-                  child: Text(
-                    label.length > 8 ? '${label.substring(0, 7)}…' : label,
-                    style: Theme.of(context).textTheme.labelSmall,
-                  ),
-                );
-              },
-            ),
-          ),
-        ),
-        gridData: const FlGridData(show: false),
-        borderData: FlBorderData(show: false),
-        barGroups: [
-          for (var i = 0; i < entries.length; i++)
-            BarChartGroupData(
-              x: i,
-              barRods: [
-                BarChartRodData(
-                  toY: entries[i].value,
-                  width: 18,
-                  borderRadius:
-                      const BorderRadius.vertical(top: Radius.circular(6)),
-                  color: entries[i].label.color,
-                ),
-              ],
-            ),
-        ],
-      ),
-    );
-  }
-}
-
-class _DayBars extends StatelessWidget {
-  const _DayBars({required this.data, required this.currency});
-
-  final Map<String, double> data;
-  final String currency;
-
-  @override
-  Widget build(BuildContext context) {
-    final entries = data.entries.toList();
-    if (entries.every((e) => e.value == 0)) {
-      return Center(
-        child: Text(
-          'No spend this month',
-          style: Theme.of(context).textTheme.bodyMedium,
-        ),
-      );
-    }
-
-    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: 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(
-                'Day $day\n${formatMoney(entry.value, currency)}',
-                TextStyle(color: colors.onInverseSurface),
-              );
-            },
-          ),
-        ),
-        titlesData: FlTitlesData(
-          topTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          rightTitles:
-              const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          leftTitles: const AxisTitles(sideTitles: SideTitles(showTitles: false)),
-          bottomTitles: AxisTitles(
-            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();
-                }
-                if (entries.length > 16 && index % 5 != 0) {
-                  return const SizedBox.shrink();
-                }
-                final day = (index + 1).toString();
-                return Padding(
-                  padding: const EdgeInsets.only(top: 8),
-                  child: Text(
-                    day,
-                    style: Theme.of(context).textTheme.labelSmall,
+
+    return Card(
+      color: colors.surface,
+      elevation: 0,
+      shape: RoundedRectangleBorder(
+        borderRadius: BorderRadius.circular(24),
+        side: BorderSide(color: colors.outlineVariant.withValues(alpha: 0.5)),
+      ),
+      child: Padding(
+        padding: const EdgeInsets.fromLTRB(16, 14, 16, 16),
+        child: Column(
+          children: [
+            Row(
+              children: [
+                Container(
+                  padding:
+                      const EdgeInsets.symmetric(horizontal: 12, vertical: 8),
+                  decoration: BoxDecoration(
+                    color: colors.surfaceContainerHighest.withValues(alpha: 0.55),
+                    borderRadius: BorderRadius.circular(20),
+                  ),
+                  child: Row(
+                    mainAxisSize: MainAxisSize.min,
+                    children: [
+                      Text('Monthly', style: theme.textTheme.labelLarge),
+                      const SizedBox(width: 4),
+                      Icon(
+                        Icons.keyboard_arrow_down,
+                        size: 18,
+                        color: colors.onSurfaceVariant,
+                      ),
+                    ],
                   ),
-                );
-              },
-            ),
-          ),
-        ),
-        gridData: const FlGridData(show: false),
-        borderData: FlBorderData(show: false),
-        barGroups: [
-          for (var i = 0; i < entries.length; i++)
-            BarChartGroupData(
-              x: i,
-              barRods: [
-                BarChartRodData(
-                  toY: entries[i].value,
-                  width: entries.length > 20 ? 6 : 8,
-                  borderRadius:
-                      const BorderRadius.vertical(top: Radius.circular(3)),
-                  color: entries[i].value > 0
-                      ? colors.primary
-                      : colors.surfaceContainerHighest,
                 ),
+                const Spacer(),
+                _LegendDot(color: incomeColor, label: 'Income'),
+                const SizedBox(width: 14),
+                _LegendDot(color: expenseColor, label: 'Expense'),
               ],
             ),
-        ],
+            const SizedBox(height: 16),
+            SizedBox(
+              height: 220,
+              child: months.every(
+                (m) =>
+                    monthly[m]!.income == 0 && monthly[m]!.expense == 0,
+              )
+                  ? Center(
+                      child: Text(
+                        'No income or expenses in this period',
+                        style: theme.textTheme.bodyMedium,
+                        textAlign: TextAlign.center,
+                      ),
+                    )
+                  : BarChart(
+                      BarChartData(
+                        maxY: safeMax,
+                        groupsSpace: 18,
+                        barTouchData: BarTouchData(
+                          touchTooltipData: BarTouchTooltipData(
+                            getTooltipItem: (group, groupIndex, rod, rodIndex) {
+                              final month = months[group.x.toInt()];
+                              final bucket = monthly[month]!;
+                              final isIncome = rodIndex == 1;
+                              final value =
+                                  isIncome ? bucket.income : bucket.expense;
+                              return BarTooltipItem(
+                                '${_shortMonth(month)}\n'
+                                '${isIncome ? 'Income' : 'Expense'}\n'
+                                '${formatMoney(value, currency)}',
+                                TextStyle(color: colors.onInverseSurface),
+                              );
+                            },
+                          ),
+                        ),
+                        titlesData: FlTitlesData(
+                          topTitles: const AxisTitles(
+                            sideTitles: SideTitles(showTitles: false),
+                          ),
+                          rightTitles: const AxisTitles(
+                            sideTitles: SideTitles(showTitles: false),
+                          ),
+                          leftTitles: AxisTitles(
+                            sideTitles: SideTitles(
+                              showTitles: true,
+                              reservedSize: 42,
+                              interval: safeMax / 3,
+                              getTitlesWidget: (value, meta) {
+                                if (value <= 0) {
+                                  return Text(
+                                    '0',
+                                    style: theme.textTheme.labelSmall,
+                                  );
+                                }
+                                if ((value - safeMax).abs() < 0.01) {
+                                  return const SizedBox.shrink();
+                                }
+                                return Text(
+                                  _compactMoney(value),
+                                  style: theme.textTheme.labelSmall,
+                                );
+                              },
+                            ),
+                          ),
+                          bottomTitles: AxisTitles(
+                            sideTitles: SideTitles(
+                              showTitles: true,
+                              reservedSize: 28,
+                              getTitlesWidget: (value, meta) {
+                                final index = value.toInt();
+                                if (index < 0 || index >= months.length) {
+                                  return const SizedBox.shrink();
+                                }
+                                return Padding(
+                                  padding: const EdgeInsets.only(top: 8),
+                                  child: Text(
+                                    _shortMonth(months[index]),
+                                    style: theme.textTheme.labelSmall,
+                                  ),
+                                );
+                              },
+                            ),
+                          ),
+                        ),
+                        gridData: FlGridData(
+                          show: true,
+                          drawVerticalLine: false,
+                          horizontalInterval: safeMax / 3,
+                          getDrawingHorizontalLine: (value) => FlLine(
+                            color: colors.outlineVariant.withValues(alpha: 0.45),
+                            strokeWidth: 1,
+                          ),
+                        ),
+                        borderData: FlBorderData(show: false),
+                        barGroups: [
+                          for (var i = 0; i < months.length; i++)
+                            BarChartGroupData(
+                              x: i,
+                              barsSpace: 4,
+                              barRods: [
+                                BarChartRodData(
+                                  toY: monthly[months[i]]!.expense,
+                                  width: 12,
+                                  borderRadius: const BorderRadius.vertical(
+                                    top: Radius.circular(8),
+                                  ),
+                                  color: expenseColor,
+                                ),
+                                BarChartRodData(
+                                  toY: monthly[months[i]]!.income,
+                                  width: 12,
+                                  borderRadius: const BorderRadius.vertical(
+                                    top: Radius.circular(8),
+                                  ),
+                                  color: incomeColor,
+                                ),
+                              ],
+                            ),
+                        ],
+                      ),
+                    ),
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+
+  static String _shortMonth(DateTime month) {
+    const names = [
+      'Jan',
+      'Feb',
+      'Mar',
+      'Apr',
+      'May',
+      'Jun',
+      'Jul',
+      'Aug',
+      'Sep',
+      'Oct',
+      'Nov',
+      'Dec',
+    ];
+    return names[month.month - 1];
+  }
+
+  static String _compactMoney(double value) {
+    if (value >= 1000) {
+      final k = value / 1000;
+      return k >= 10 ? '${k.round()}k' : '${k.toStringAsFixed(1)}k';
+    }
+    return value.round().toString();
+  }
+}
+
+class _LegendDot extends StatelessWidget {
+  const _LegendDot({required this.color, required this.label});
+
+  final Color color;
+  final String label;
+
+  @override
+  Widget build(BuildContext context) {
+    return Row(
+      mainAxisSize: MainAxisSize.min,
+      children: [
+        Container(
+          width: 8,
+          height: 8,
+          decoration: BoxDecoration(color: color, shape: BoxShape.circle),
+        ),
+        const SizedBox(width: 6),
+        Text(label, style: Theme.of(context).textTheme.labelMedium),
+      ],
+    );
+  }
+}
+
+class _SummaryCard extends StatelessWidget {
+  const _SummaryCard({
+    required this.icon,
+    required this.iconBackground,
+    required this.iconColor,
+    required this.amount,
+    required this.label,
+  });
+
+  final IconData icon;
+  final Color iconBackground;
+  final Color iconColor;
+  final String amount;
+  final String label;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+
+    return Card(
+      color: colors.surface,
+      elevation: 0,
+      shape: RoundedRectangleBorder(
+        borderRadius: BorderRadius.circular(20),
+        side: BorderSide(color: colors.outlineVariant.withValues(alpha: 0.5)),
+      ),
+      child: Padding(
+        padding: const EdgeInsets.fromLTRB(12, 14, 12, 14),
+        child: Row(
+          children: [
+            Container(
+              width: 40,
+              height: 40,
+              decoration: BoxDecoration(
+                color: iconBackground,
+                borderRadius: BorderRadius.circular(12),
+              ),
+              child: Icon(icon, color: iconColor, size: 22),
+            ),
+            const SizedBox(width: 10),
+            Expanded(
+              child: Column(
+                crossAxisAlignment: CrossAxisAlignment.start,
+                children: [
+                  Text(
+                    amount,
+                    maxLines: 1,
+                    overflow: TextOverflow.ellipsis,
+                    style: theme.textTheme.titleMedium?.copyWith(
+                      fontWeight: FontWeight.w700,
+                    ),
+                  ),
+                  Text(label, style: theme.textTheme.labelMedium),
+                ],
+              ),
+            ),
+          ],
+        ),
+      ),
+    );
+  }
+}
+
+class _HistoryCard extends StatelessWidget {
+  const _HistoryCard({
+    required this.month,
+    required this.income,
+    required this.expense,
+    required this.currency,
+    required this.onTap,
+  });
+
+  final DateTime month;
+  final double income;
+  final double expense;
+  final String currency;
+  final VoidCallback onTap;
+
+  @override
+  Widget build(BuildContext context) {
+    final theme = Theme.of(context);
+    final colors = theme.colorScheme;
+
+    return Card(
+      color: colors.surface,
+      elevation: 0,
+      shape: RoundedRectangleBorder(
+        borderRadius: BorderRadius.circular(18),
+        side: BorderSide(color: colors.outlineVariant.withValues(alpha: 0.5)),
+      ),
+      child: InkWell(
+        borderRadius: BorderRadius.circular(18),
+        onTap: onTap,
+        child: Padding(
+          padding: const EdgeInsets.fromLTRB(16, 14, 16, 14),
+          child: Row(
+            children: [
+              Expanded(
+                child: Column(
+                  crossAxisAlignment: CrossAxisAlignment.start,
+                  children: [
+                    Text('Month', style: theme.textTheme.labelMedium),
+                    const SizedBox(height: 2),
+                    Text(
+                      formatMonthYear(month),
+                      style: theme.textTheme.titleMedium?.copyWith(
+                        fontWeight: FontWeight.w700,
+                      ),
+                    ),
+                  ],
+                ),
+              ),
+              Column(
+                crossAxisAlignment: CrossAxisAlignment.end,
+                children: [
+                  Text(
+                    formatMoney(income, currency),
+                    style: theme.textTheme.titleSmall?.copyWith(
+                      color: const Color(0xFF2F9E62),
+                      fontWeight: FontWeight.w600,
+                    ),
+                  ),
+                  const SizedBox(height: 2),
+                  Text(
+                    formatMoney(-expense, currency),
+                    style: theme.textTheme.titleSmall?.copyWith(
+                      color: colors.error,
+                      fontWeight: FontWeight.w600,
+                    ),
+                  ),
+                ],
+              ),
+            ],
+          ),
+        ),
       ),
     );
   }
diff --git a/lib/screens/settings_screen.dart b/lib/screens/settings_screen.dart
index 39762ec..2638d99 100644
--- a/lib/screens/settings_screen.dart
+++ b/lib/screens/settings_screen.dart
@@ -1,6 +1,9 @@
-/// Settings tab: theme mode, API endpoint, and bank link status.
+/// Settings tab: theme mode, API endpoint, bank link, and CSV import.
 library;
 
+import 'dart:convert';
+
+import 'package:file_picker/file_picker.dart';
 import 'package:flutter/material.dart';
 import 'package:provider/provider.dart';
 
@@ -14,6 +17,95 @@ import '../widgets/responsive_body.dart';
 class SettingsScreen extends StatelessWidget {
   const SettingsScreen({super.key});
 
+  Future<void> _importCsv(BuildContext context, BankController bank) async {
+    // Use FileType.any — Android often greys out real ING exports when
+    // filtering to csv/txt (odd MIME types / no extension / Downloads).
+    final picked = await FilePicker.platform.pickFiles(
+      type: FileType.any,
+      withData: true,
+      allowMultiple: false,
+    );
+    if (picked == null || picked.files.isEmpty) return;
+
+    final file = picked.files.single;
+    var bytes = file.bytes;
+    if ((bytes == null || bytes.isEmpty) && file.path != null) {
+      bytes = await file.xFile.readAsBytes();
+    }
+    if (bytes == null || bytes.isEmpty) {
+      if (!context.mounted) return;
+      ScaffoldMessenger.of(context).showSnackBar(
+        const SnackBar(content: Text('Could not read the selected file')),
+      );
+      return;
+    }
+
+    String raw;
+    try {
+      raw = utf8.decode(bytes);
+    } catch (_) {
+      raw = latin1.decode(bytes);
+    }
+
+    try {
+      final result = await bank.importIngCsv(raw);
+      if (!context.mounted) return;
+      ScaffoldMessenger.of(context).showSnackBar(
+        SnackBar(
+          content: Text(
+            result.added.isEmpty
+                ? 'No new transactions '
+                    '(${result.skippedDuplicates} already in the app)'
+                : 'Imported ${result.added.length} new'
+                    '${result.skippedDuplicates > 0 ? ' · skipped ${result.skippedDuplicates} duplicates' : ''}'
+                    ' of ${result.parsed} CSV rows',
+          ),
+        ),
+      );
+    } on FormatException catch (error) {
+      if (!context.mounted) return;
+      ScaffoldMessenger.of(context).showSnackBar(
+        SnackBar(content: Text(error.message)),
+      );
+    } catch (_) {
+      if (!context.mounted) return;
+      ScaffoldMessenger.of(context).showSnackBar(
+        SnackBar(content: Text(bank.error ?? 'Import failed')),
+      );
+    }
+  }
+
+  Future<void> _clearImports(BuildContext context, BankController bank) async {
+    final ok = await showDialog<bool>(
+      context: context,
+      builder: (context) {
+        return AlertDialog(
+          title: const Text('Clear imported CSV?'),
+          content: Text(
+            'Removes ${bank.importedCount} locally imported transactions. '
+            'Bank-linked data is kept.',
+          ),
+          actions: [
+            TextButton(
+              onPressed: () => Navigator.pop(context, false),
+              child: const Text('Cancel'),
+            ),
+            FilledButton(
+              onPressed: () => Navigator.pop(context, true),
+              child: const Text('Clear'),
+            ),
+          ],
+        );
+      },
+    );
+    if (ok != true || !context.mounted) return;
+    await bank.clearImportedTransactions();
+    if (!context.mounted) return;
+    ScaffoldMessenger.of(context).showSnackBar(
+      const SnackBar(content: Text('Imported transactions cleared')),
+    );
+  }
+
   @override
   Widget build(BuildContext context) {
     final themeController = context.watch<ThemeController>();
@@ -109,6 +201,47 @@ class SettingsScreen extends StatelessWidget {
               style: theme.textTheme.bodyMedium,
             ),
             const SizedBox(height: 28),
+            Text('CSV import', style: theme.textTheme.titleMedium),
+            const SizedBox(height: 8),
+            Card(
+              child: Column(
+                children: [
+                  ListTile(
+                    leading: const Icon(Icons.upload_file_outlined),
+                    title: const Text('Import ING CSV'),
+                    subtitle: Text(
+                      bank.isImporting
+                          ? 'Importing…'
+                          : bank.importedCount == 0
+                              ? 'Adds older history without duplicating bank feed'
+                              : '${bank.importedCount} imported rows kept locally',
+                    ),
+                    trailing: TextButton(
+                      onPressed: bank.isImporting
+                          ? null
+                          : () => _importCsv(context, bank),
+                      child: Text(bank.isImporting ? '…' : 'Import'),
+                    ),
+                  ),
+                  if (bank.importedCount > 0) ...[
+                    const Divider(height: 1),
+                    ListTile(
+                      leading: const Icon(Icons.delete_outline),
+                      title: const Text('Clear imported CSV'),
+                      onTap: () => _clearImports(context, bank),
+                    ),
+                  ],
+                ],
+              ),
+            ),
+            const SizedBox(height: 8),
+            Text(
+              'Supports ING Netherlands exports (Dutch or English headers, '
+              'comma or semicolon). Matching uses date + amount + merchant, '
+              'so overlaps with the live feed are skipped.',
+              style: theme.textTheme.bodyMedium,
+            ),
+            const SizedBox(height: 28),
             Text('About', style: theme.textTheme.titleMedium),
             const SizedBox(height: 8),
             Card(
diff --git a/lib/screens/transactions_screen.dart b/lib/screens/transactions_screen.dart
index 23d7483..2c44920 100644
--- a/lib/screens/transactions_screen.dart
+++ b/lib/screens/transactions_screen.dart
@@ -19,7 +19,10 @@ import '../widgets/tx_heatmap.dart';
 import 'transaction_detail_screen.dart';
 
 class TransactionsScreen extends StatefulWidget {
-  const TransactionsScreen({super.key});
+  const TransactionsScreen({super.key, this.initialMonth});
+
+  /// When set, opens on this calendar month instead of the current month.
+  final DateTime? initialMonth;
 
   @override
   State<TransactionsScreen> createState() => _TransactionsScreenState();
@@ -28,11 +31,24 @@ class TransactionsScreen extends StatefulWidget {
 class _TransactionsScreenState extends State<TransactionsScreen> {
   final _searchController = TextEditingController();
   String _query = '';
-  DateTime _month = monthStart(DateTime.now());
+  late DateTime _month;
   DateTime? _selectedDay;
   var _searchInMonthOnly = false;
   final Set<String> _labelFilters = {};
 
+  @override
+  void initState() {
+    super.initState();
+    final initial = widget.initialMonth;
+    final now = monthStart(DateTime.now());
+    if (initial == null) {
+      _month = now;
+    } else {
+      final start = monthStart(initial);
+      _month = start.isAfter(now) ? now : start;
+    }
+  }
+
   @override
   void dispose() {
     _searchController.dispose();
@@ -172,7 +188,7 @@ class _TransactionsScreenState extends State<TransactionsScreen> {
       return const LoadingView(message: 'Loading transactions…');
     }
 
-    if (!bank.isLinked) {
+    if (!bank.isLinked && bank.transactions.isEmpty) {
       return ListView(
         physics: const AlwaysScrollableScrollPhysics(),
         children: [
diff --git a/lib/services/ing_csv_import.dart b/lib/services/ing_csv_import.dart
new file mode 100644
index 0000000..d2d0711
--- /dev/null
+++ b/lib/services/ing_csv_import.dart
@@ -0,0 +1,296 @@
+/// Parse ING Netherlands (and similar) bank CSV exports into [BankTransaction]s.
+library;
+
+import '../models/bank.dart';
+import '../models/transaction_meta.dart';
+
+/// Result of importing rows against an existing transaction list.
+class CsvImportResult {
+  const CsvImportResult({
+    required this.parsed,
+    required this.added,
+    required this.skippedDuplicates,
+    this.parseErrors = const [],
+  });
+
+  final int parsed;
+  final List<BankTransaction> added;
+  final int skippedDuplicates;
+  final List<String> parseErrors;
+}
+
+/// True when [a] and [b] likely represent the same bank movement.
+///
+/// Matches on booking date + amount, then description / merchant fingerprint
+/// so API rows and CSV rows can still dedupe when wording differs slightly.
+bool isSameTransaction(BankTransaction a, BankTransaction b) {
+  if (a.date != b.date) return false;
+  if (a.currency.toUpperCase() != b.currency.toUpperCase()) return false;
+  if (_amountCents(a.amount) != _amountCents(b.amount)) return false;
+
+  if (a.descriptionKey == b.descriptionKey) return true;
+
+  final ma = a.merchantKey;
+  final mb = b.merchantKey;
+  if (ma.isNotEmpty && mb.isNotEmpty) {
+    if (ma == mb) return true;
+    if (ma.contains(mb) || mb.contains(ma)) return true;
+  }
+
+  // CSV often puts the short name in description and details in mededelingen;
+  // API may embed everything. Compare stripped merchant against full key.
+  if (ma.isNotEmpty && b.descriptionKey.contains(ma)) return true;
+  if (mb.isNotEmpty && a.descriptionKey.contains(mb)) return true;
+
+  return false;
+}
+
+int _amountCents(double amount) => (amount * 100).round();
+
+/// Merge [extra] into [existing], skipping duplicates. Newest date first.
+List<BankTransaction> mergeTransactions(
+  List<BankTransaction> existing,
+  List<BankTransaction> extra,
+) {
+  final out = List<BankTransaction>.of(existing);
+  for (final tx in extra) {
+    if (out.any((e) => isSameTransaction(e, tx))) continue;
+    out.add(tx);
+  }
+  out.sort((a, b) {
+    final byDate = b.date.compareTo(a.date);
+    if (byDate != 0) return byDate;
+    return a.description.compareTo(b.description);
+  });
+  return out;
+}
+
+/// Keep only rows from [candidates] that are not already in [existing].
+List<BankTransaction> filterNewTransactions(
+  List<BankTransaction> existing,
+  List<BankTransaction> candidates,
+) {
+  return [
+    for (final tx in candidates)
+      if (!existing.any((e) => isSameTransaction(e, tx))) tx,
+  ];
+}
+
+/// Parse an ING (NL/EN) CSV/semicolon export.
+///
+/// Expected columns (Dutch or English):
+/// Date, Name/Description, Account, Counterparty, Code, Debit/Credit (Af/Bij),
+/// Amount, Transaction type, Notifications, …
+List<BankTransaction> parseIngCsv(String raw) {
+  final text = raw.replaceFirst(RegExp(r'^\uFEFF'), '').trim();
+  if (text.isEmpty) return const [];
+
+  final lines = text.split(RegExp(r'\r?\n'));
+  if (lines.isEmpty) return const [];
+
+  final headerLine = lines.first;
+  final delimiter = _detectDelimiter(headerLine);
+  final headers = _parseCsvLine(headerLine, delimiter)
+      .map(_normalizeHeader)
+      .toList(growable: false);
+
+  final dateIdx = _indexOfAny(headers, const [
+    'datum',
+    'date',
+  ]);
+  final nameIdx = _indexOfAny(headers, const [
+    'naam / omschrijving',
+    'naam/omschrijving',
+    'name / description',
+    'name/description',
+    'omschrijving',
+    'description',
+  ]);
+  final afBijIdx = _indexOfAny(headers, const [
+    'af bij',
+    'af/bij',
+    'debit/credit',
+    'debit / credit',
+  ]);
+  final amountIdx = _indexOfAny(headers, const [
+    'bedrag (eur)',
+    'bedrag',
+    'amount (eur)',
+    'amount',
+  ]);
+  final notesIdx = _indexOfAny(headers, const [
+    'mededelingen',
+    'notifications',
+    'notification',
+  ]);
+  final currencyIdx = _indexOfAny(headers, const [
+    'valuta',
+    'currency',
+  ]);
+
+  if (dateIdx < 0 || amountIdx < 0) {
+    throw const FormatException(
+      'CSV needs at least Date/Datum and Amount/Bedrag columns '
+      '(ING Netherlands export).',
+    );
+  }
+
+  final out = <BankTransaction>[];
+  for (var i = 1; i < lines.length; i++) {
+    final line = lines[i].trim();
+    if (line.isEmpty) continue;
+    final cols = _parseCsvLine(line, delimiter);
+    if (cols.length <= amountIdx || cols.length <= dateIdx) continue;
+
+    final date = _parseIngDate(cols[dateIdx]);
+    if (date == null) continue;
+
+    final amountRaw = _parseIngAmount(cols[amountIdx]);
+    if (amountRaw == null) continue;
+
+    final afBij = afBijIdx >= 0 && afBijIdx < cols.length
+        ? cols[afBijIdx].trim().toLowerCase()
+        : '';
+    final signed = _applyDebitCredit(amountRaw, afBij);
+
+    final name = nameIdx >= 0 && nameIdx < cols.length ? cols[nameIdx].trim() : '';
+    final notes =
+        notesIdx >= 0 && notesIdx < cols.length ? cols[notesIdx].trim() : '';
+    final description = [
+      if (name.isNotEmpty) name,
+      if (notes.isNotEmpty) notes,
+    ].join(' · ');
+    if (description.isEmpty) continue;
+
+    final currency = currencyIdx >= 0 && currencyIdx < cols.length
+        ? cols[currencyIdx].trim().toUpperCase()
+        : 'EUR';
+
+    out.add(
+      BankTransaction(
+        date: date,
+        description: description,
+        amount: signed,
+        currency: currency.isEmpty ? 'EUR' : currency,
+        pending: false,
+      ),
+    );
+  }
+  return out;
+}
+
+String _normalizeHeader(String value) {
+  return value
+      .trim()
+      .toLowerCase()
+      .replaceAll('"', '')
+      .replaceAll(RegExp(r'\s+'), ' ');
+}
+
+int _indexOfAny(List<String> headers, List<String> candidates) {
+  for (final candidate in candidates) {
+    final index = headers.indexOf(candidate);
+    if (index >= 0) return index;
+  }
+  return -1;
+}
+
+String _detectDelimiter(String headerLine) {
+  final semis = ';'.allMatches(headerLine).length;
+  final commas = ','.allMatches(headerLine).length;
+  return semis > commas ? ';' : ',';
+}
+
+List<String> _parseCsvLine(String line, String delimiter) {
+  final out = <String>[];
+  final buffer = StringBuffer();
+  var inQuotes = false;
+
+  for (var i = 0; i < line.length; i++) {
+    final ch = line[i];
+    if (ch == '"') {
+      if (inQuotes && i + 1 < line.length && line[i + 1] == '"') {
+        buffer.write('"');
+        i++;
+      } else {
+        inQuotes = !inQuotes;
+      }
+      continue;
+    }
+    if (ch == delimiter && !inQuotes) {
+      out.add(buffer.toString());
+      buffer.clear();
+      continue;
+    }
+    buffer.write(ch);
+  }
+  out.add(buffer.toString());
+  return out;
+}
+
+/// Accepts `YYYYMMDD`, `YYYY-MM-DD`, `DD-MM-YYYY`, `DD/MM/YYYY`.
+String? _parseIngDate(String raw) {
+  final value = raw.trim().replaceAll('"', '');
+  if (value.isEmpty) return null;
+
+  final yyyymmdd = RegExp(r'^(\d{4})(\d{2})(\d{2})$').firstMatch(value);
+  if (yyyymmdd != null) {
+    return '${yyyymmdd[1]}-${yyyymmdd[2]}-${yyyymmdd[3]}';
+  }
+
+  final iso = RegExp(r'^(\d{4})-(\d{2})-(\d{2})').firstMatch(value);
+  if (iso != null) {
+    return '${iso[1]}-${iso[2]}-${iso[3]}';
+  }
+
+  final dmy = RegExp(r'^(\d{1,2})[-/](\d{1,2})[-/](\d{4})$').firstMatch(value);
+  if (dmy != null) {
+    final d = dmy[1]!.padLeft(2, '0');
+    final m = dmy[2]!.padLeft(2, '0');
+    return '${dmy[3]}-$m-$d';
+  }
+
+  final parsed = DateTime.tryParse(value);
+  if (parsed == null) return null;
+  final m = parsed.month.toString().padLeft(2, '0');
+  final d = parsed.day.toString().padLeft(2, '0');
+  return '${parsed.year}-$m-$d';
+}
+
+double? _parseIngAmount(String raw) {
+  var value = raw.trim().replaceAll('"', '').replaceAll('\u00a0', '');
+  if (value.isEmpty) return null;
+  // European: 1.234,56 or 12,34 — strip thousands dots when comma present.
+  if (value.contains(',') && value.contains('.')) {
+    value = value.replaceAll('.', '').replaceAll(',', '.');
+  } else if (value.contains(',')) {
+    value = value.replaceAll(',', '.');
+  }
+  return double.tryParse(value);
+}
+
+double _applyDebitCredit(double amount, String afBij) {
+  final abs = amount.abs();
+  if (afBij == 'af' || afBij == 'debit' || afBij == 'd') return -abs;
+  if (afBij == 'bij' || afBij == 'credit' || afBij == 'c') return abs;
+  // Already signed amounts (some exports).
+  return amount;
+}
+
+/// Convenience: parse + keep only rows not already present.
+CsvImportResult importIngCsvAgainst({
+  required String raw,
+  required List<BankTransaction> existing,
+}) {
+  final parsed = parseIngCsv(raw);
+  final added = filterNewTransactions(existing, parsed);
+  return CsvImportResult(
+    parsed: parsed.length,
+    added: added,
+    skippedDuplicates: parsed.length - added.length,
+  );
+}
+
+/// Expose merchant helper for tests without re-export noise.
+String debugMerchantKey(String description) =>
+    merchantKeyFromDescription(description);
diff --git a/lib/services/storage_service.dart b/lib/services/storage_service.dart
index bf13abf..6c752dd 100644
--- a/lib/services/storage_service.dart
+++ b/lib/services/storage_service.dart
@@ -141,6 +141,42 @@ class StorageService {
     return _prefs.remove(StorageKeys.bankCache);
   }
 
+  List<BankTransaction> loadImportedTransactions() {
+    final raw = _prefs.getString(StorageKeys.importedTransactions);
+    if (raw == null || raw.isEmpty) return const [];
+    try {
+      final decoded = jsonDecode(raw);
+      if (decoded is! List) return const [];
+      return decoded
+          .whereType<Map>()
+          .map((e) => BankTransaction.fromJson(Map<String, dynamic>.from(e)))
+          .toList(growable: false);
+    } catch (_) {
+      return const [];
+    }
+  }
+
+  Future<void> saveImportedTransactions(List<BankTransaction> txs) {
+    final encoded = [
+      for (final tx in txs)
+        {
+          'date': tx.date,
+          'description': tx.description,
+          'amount': tx.amount,
+          'currency': tx.currency,
+          'pending': tx.pending,
+        },
+    ];
+    return _prefs.setString(
+      StorageKeys.importedTransactions,
+      jsonEncode(encoded),
+    );
+  }
+
+  Future<void> clearImportedTransactions() {
+    return _prefs.remove(StorageKeys.importedTransactions);
+  }
+
   TxMetaStoreData loadTxMetaStore() {
     final raw = _prefs.getString(StorageKeys.txMeta);
     if (raw != null && raw.isNotEmpty) {
diff --git a/lib/utils/constants.dart b/lib/utils/constants.dart
index f6b4416..60dd8e4 100644
--- a/lib/utils/constants.dart
+++ b/lib/utils/constants.dart
@@ -45,6 +45,7 @@ abstract final class StorageKeys {
   static const txMeta = 'tx_meta_v2';
   static const txMetaLegacy = 'tx_meta_v1';
   static const bankCache = 'bank_cache_v1';
+  static const importedTransactions = 'imported_txs_v1';
 }
 
 /// Named routes registered on [MaterialApp].
diff --git a/pubspec.lock b/pubspec.lock
index 6ef28b5..917bd92 100644
--- a/pubspec.lock
+++ b/pubspec.lock
@@ -73,6 +73,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "1.19.1"
+  cross_file:
+    dependency: transitive
+    description:
+      name: cross_file
+      sha256: f141ea4f277af142a0356955707f6556f37b03947d39d55585981a06ca437bd6
+      url: "https://pub.dev"
+    source: hosted
+    version: "0.3.5+5"
   cupertino_icons:
     dependency: "direct main"
     description:
@@ -113,6 +121,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "7.0.1"
+  file_picker:
+    dependency: "direct main"
+    description:
+      name: file_picker
+      sha256: ab13ae8ef5580a411c458d6207b6774a6c237d77ac37011b13994879f68a8810
+      url: "https://pub.dev"
+    source: hosted
+    version: "8.3.7"
   fl_chart:
     dependency: "direct main"
     description:
@@ -134,6 +150,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "6.0.0"
+  flutter_plugin_android_lifecycle:
+    dependency: "direct overridden"
+    description:
+      name: flutter_plugin_android_lifecycle
+      sha256: f948e346c12f8d5480d2825e03de228d0eb8c3a737e4cdaa122267b89c022b5e
+      url: "https://pub.dev"
+    source: hosted
+    version: "2.0.28"
   flutter_test:
     dependency: "direct dev"
     description: flutter
@@ -461,6 +485,14 @@ packages:
       url: "https://pub.dev"
     source: hosted
     version: "3.26.1"
+  win32:
+    dependency: transitive
+    description:
+      name: win32
+      sha256: d7cb55e04cd34096cd3a79b3330245f54cb96a370a1c27adb3c84b917de8b08e
+      url: "https://pub.dev"
+    source: hosted
+    version: "5.15.0"
   xdg_directories:
     dependency: transitive
     description:
diff --git a/pubspec.yaml b/pubspec.yaml
index 14278ff..9e31319 100644
--- a/pubspec.yaml
+++ b/pubspec.yaml
@@ -40,6 +40,7 @@ dependencies:
   app_links: ^7.2.1
   webview_flutter: ^4.14.1
   fl_chart: ^1.2.0
+  file_picker: ^8.1.7
 dev_dependencies:
   flutter_test:
     sdk: flutter
@@ -92,3 +93,6 @@ flutter:
   #
   # For details regarding fonts from package dependencies,
   # see https://flutter.dev/to/font-from-package
+
+dependency_overrides:
+  flutter_plugin_android_lifecycle: 2.0.28
diff --git a/test/ing_csv_import_test.dart b/test/ing_csv_import_test.dart
new file mode 100644
index 0000000..96154b7
--- /dev/null
+++ b/test/ing_csv_import_test.dart
@@ -0,0 +1,61 @@
+import 'package:flutter_test/flutter_test.dart';
+import 'package:myapp/models/bank.dart';
+import 'package:myapp/services/ing_csv_import.dart';
+
+void main() {
+  test('parses ING Dutch semicolon CSV with Af/Bij and YYYYMMDD', () {
+    const raw = '''
+"Datum";"Naam / Omschrijving";"Rekening";"Tegenrekening";"Code";"Af Bij";"Bedrag (EUR)";"Mutatiesoort";"Mededelingen"
+"20260901";"AH CAMPUS DIEMEN";"NL00INGB0000000000";"";"GT";"Af";"12,50";"Betaalautomaat";"Pasvolgnr: 001"
+"20260902";"SALARIS";"NL00INGB0000000000";"NL00ABCD";"OV";"Bij";"2000,00";"Overboeking";"Salaris september"
+''';
+    final txs = parseIngCsv(raw);
+    expect(txs, hasLength(2));
+    expect(txs[0].date, '2026-09-01');
+    expect(txs[0].amount, -12.5);
+    expect(txs[0].description, contains('AH CAMPUS'));
+    expect(txs[1].date, '2026-09-02');
+    expect(txs[1].amount, 2000);
+  });
+
+  test('skips duplicates against existing API-like rows', () {
+    final existing = [
+      const BankTransaction(
+        date: '2026-09-01',
+        description:
+            'BCK*AH CAMPUS DIEMEN ZUID NLD Pasvolgnr: 001 Transactie: C00338',
+        amount: -12.5,
+        currency: 'EUR',
+        pending: false,
+      ),
+    ];
+    const raw = '''
+Datum,Naam / Omschrijving,Rekening,Tegenrekening,Code,Af Bij,Bedrag (EUR),Mutatiesoort,Mededelingen
+20260901,AH CAMPUS DIEMEN,,,,Af,"12,50",Betaalautomaat,Pasvolgnr: 001
+20260903,JUMBO,,,,Af,"8,00",Betaalautomaat,
+''';
+    final result = importIngCsvAgainst(raw: raw, existing: existing);
+    expect(result.parsed, 2);
+    expect(result.skippedDuplicates, 1);
+    expect(result.added, hasLength(1));
+    expect(result.added.single.description, contains('JUMBO'));
+  });
+
+  test('isSameTransaction matches merchant fingerprints', () {
+    const api = BankTransaction(
+      date: '2026-09-01',
+      description: 'BCK*AH CAMPUS DIEMEN ZUID NLD Pasvolgnr: 001 Transactie: X',
+      amount: -3.5,
+      currency: 'EUR',
+      pending: false,
+    );
+    const csv = BankTransaction(
+      date: '2026-09-01',
+      description: 'AH CAMPUS DIEMEN · Pasvolgnr: 001',
+      amount: -3.5,
+      currency: 'EUR',
+      pending: false,
+    );
+    expect(isSameTransaction(api, csv), isTrue);
+  });
+}