ing csv import

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 {

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") {

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:');

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) {
+    if (cached != null) {
-      _status = cached.status;
+      // 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;
@@ -25,65 +37,146 @@ 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 (_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;
     _error = null;
     notifyListeners();
 
+    try {
       try {
         _status = await _api.fetchStatus();
-      if (_status.linked) {
+      } 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 (!hasData) {
-      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) {
-      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'];

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: [

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(

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: [

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);

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) {

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].

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:

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

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);
+  });
+}