Feature: Bank-Import mit konfigurierbaren Formaten, Buchungstext-Templates und Dublettenprüfung

Fix: Dublettenprüfung verwendet nur (buchungstag, wertstellung, wert) ohne buchungstext, da Vorlagenänderungen sonst zu falschen Duplikaten führen.
2026-05-17 13:47:16 +02:00 · 2026-05-17 13:47:16 +02:00 · aa9ccd1207
commit aa9ccd1207
parent f78353626d
28 changed files with 2125 additions and 55 deletions
--- a/Changes.md
+++ b/Changes.md
@ -2,6 +2,34 @@

 ---

+## 2026-05-17 – Feature: Automatischer Format-Vorschlag beim Bank-Import
+
+- **Format-Vorschlag**: Wenn eine hochgeladene CSV keinem bekannten Format eindeutig entspricht, analysiert `BankImportParser::suggestFormat()` die Datei automatisch (Headerzeilen-Erkennung bei skip_rows 0–10, Delimiter-Erkennung, Keyword-basiertes Spalten-Mapping)
+- **Session-gestützter Vorschlags-Flow**: Klick auf „Formate bearbeiten" speichert den Vorschlag via AJAX in der Session und öffnet die Einstellungsseite
+- **Vorschlags-Card**: Auf `/settings/bankimport` erscheint der Vorschlag oberhalb bestehender Formate als ausfüllbares Formular mit vorausgefüllten Feldern (skip_rows, Delimiter, Spalten-Mapping mit erkannten Headernamen)
+- **Explizites Speichern**: Neues Format wird erst nach Klick auf „Speichern" in der DB angelegt (POST `/settings/bankimport/create`); Verwerfen löscht die Session-Suggestion
+- Neue Routen: `POST /settings/bankimport/suggest`, `POST /settings/bankimport/create`, `POST /settings/bankimport/dismiss-suggestion`
+- Neues Model: `BankImportFormat::create()`; neuer Test 35
+
+---
+
+## 2026-05-17 – Feature: Automatische Format-Erkennung beim Bank-Import
+
+- **Format-Erkennung**: Hochgeladene Datei wird automatisch gegen alle gespeicherten Formate geprüft; bei eindeutigem Match wird sofort importiert
+- **Vorschau-Panel**: Wenn kein Format passt, zeigt die Upload-Seite Überschriften-Zeile, erste Werte-Zeile und die Spalten-Zuordnung (Wertstellung, Buchungstext, Wert) für das gewählte Format an; wechselt live beim Umschalten der Formatauswahl
+- **„Formate bearbeiten"-Button** oben rechts verlinkt direkt auf die Einstellungsseite für Bankimport-Formate
+- Neuer AJAX-Endpunkt `POST /bank/detect-format` in `BankController`; neue Methoden `peekRows()` und `isFormatMatch()` in `BankImportParser`
+
+---
+
+## 2026-05-17 – Feature: DKB-Importformat für Bankbuchungen
+
+- **Neues Format „DKB Bank"**: 4 Skip-Zeilen, Semikolon-getrennt, Anführungszeichen-eingeschlossen
+- Buchungstext wird konditionell zusammengesetzt: bei negativem Betrag aus Zahlungsempfänger + Verwendungszweck, sonst aus Zahlungspflichtiger + Verwendungszweck
+- Migration 054 ergänzt drei neue Nullable-Spalten in `bank_import_formats` (`col_zahlungspflichtiger`, `col_zahlungsempfaenger`, `col_verwendungszweck`)
+
+---
+
 ## 2026-05-16 – Refactor: Code-Qualität, Sicherheit und Konsistenz

 - **CSRF-Schutz**: `Auth::generateCsrfToken()` / `validateCsrfToken()` neu; Router validiert Token bei allen POST/PUT/DELETE-Requests; base.php injiziert Token in Formulare und fetch-Aufrufe via JS; login.php erhält hidden Input
--- a/docs/funktionen.md
+++ b/docs/funktionen.md
@ -65,6 +65,10 @@ Anlagenspiegel für abnutzbare Wirtschaftsgüter – siehe [anlagevermögen.md](
 ## Bank buchen

 - Import von Kontoauszügen: CSV, TXT und XLSX (konfigurierbare Spalten- und Datumsformate je Bank)
+- **Unterstützte Importformate**: Comdirect, DKB Bank
+- **Automatische Format-Erkennung**: beim Datei-Upload wird das Format anhand von Datumsfeldern und Betragsspalten automatisch erkannt; bei eindeutigem Treffer wird der Import direkt gestartet
+- **Format-Vorschau**: bei unbekanntem Format zeigt die Upload-Seite Überschriften- und erste Werte-Zeile sowie die konkrete Spalten-Zuordnung für das gewählte Format an (wechselt live)
+- **Automatischer Format-Vorschlag**: wenn kein gespeichertes Format passt, analysiert das System die CSV automatisch (Headerzeilen-Erkennung, Keyword-Matching); über „Formate bearbeiten" öffnet sich die Einstellungsseite mit einem vorausgefüllten Vorschlags-Formular – das neue Format wird erst nach explizitem Klick auf „Speichern" angelegt
 - **Dublettenprüfung**: beim Import werden Zeilen, die bereits in der DB vorhanden sind, als Duplikate markiert und nicht erneut importiert
 - **Beleg-Zuordnung**: jede Banktransaktion kann einem oder mehreren Belegen zugeordnet werden; der zugeordnete Betrag wird separat erfasst
 - **Teilzuordnung**: eine Transaktion kann schrittweise mehreren Belegen anteilig zugeordnet werden
--- a/migrations/054_bank_import_format_dkb.sql
+++ b/migrations/054_bank_import_format_dkb.sql
@ -0,0 +1,20 @@
+-- DKB-Importformat: drei neue Spalten für konditionelle Buchungstext-Zusammensetzung
+ALTER TABLE bank_import_formats
+    ADD COLUMN IF NOT EXISTS col_zahlungspflichtiger INT NULL DEFAULT NULL,
+    ADD COLUMN IF NOT EXISTS col_zahlungsempfaenger  INT NULL DEFAULT NULL,
+    ADD COLUMN IF NOT EXISTS col_verwendungszweck    INT NULL DEFAULT NULL;
+
+-- DKB Bank: 4 Skip-Zeilen, dann Headerzeile
+-- "Buchungsdatum";"Wertstellung";"Status";"Zahlungspflichtige*r";"Zahlungsempfänger*in";
+-- "Verwendungszweck";"Umsatztyp";"IBAN";"Betrag (€)";"Gläubiger-ID";"Mandatsreferenz";"Kundenreferenz"
+INSERT INTO bank_import_formats
+    (name, skip_rows, has_header_row, delimiter, enclosure,
+     col_buchungstag, col_wertstellung, col_vorgang, col_buchungstext, col_wert,
+     col_zahlungspflichtiger, col_zahlungsempfaenger, col_verwendungszweck,
+     date_format, decimal_separator, thousands_separator)
+VALUES
+    ('DKB Bank', 4, 1, ';', '"',
+     0, 1, 6, 5, 8,
+     3, 4, 5,
+     'd.m.Y', ',', '.')
+ON DUPLICATE KEY UPDATE name = name;
--- a/migrations/055_buchungstext_template.sql
+++ b/migrations/055_buchungstext_template.sql
@ -0,0 +1,13 @@
+-- Buchungstext-Templates: konfigurierbare Zusammensetzung per {SpaltenüberschriftName}
+ALTER TABLE bank_import_formats
+    ADD COLUMN IF NOT EXISTS buchungstext_template_debit  VARCHAR(500) NULL DEFAULT NULL,
+    ADD COLUMN IF NOT EXISTS buchungstext_template_credit VARCHAR(500) NULL DEFAULT NULL;
+
+-- DKB Bank auf Templates umstellen; DKB-spezifische Spaltenindices werden nicht mehr benötigt
+UPDATE bank_import_formats SET
+    buchungstext_template_debit  = 'Auftraggeber: {Zahlungsempfänger*in} Buchungstext: {Verwendungszweck}',
+    buchungstext_template_credit = 'Auftraggeber: {Zahlungspflichtige*r} Buchungstext: {Verwendungszweck}',
+    col_zahlungspflichtiger = NULL,
+    col_zahlungsempfaenger  = NULL,
+    col_verwendungszweck    = NULL
+WHERE name = 'DKB Bank';
--- a/migrations/056_comdirect_buchungstext_template.sql
+++ b/migrations/056_comdirect_buchungstext_template.sql
@ -0,0 +1,5 @@
+-- Comdirect: Buchungstext-Templates setzen (CSV-Spalte via Platzhalter {Buchungstext})
+UPDATE bank_import_formats SET
+    buchungstext_template_debit  = '{Buchungstext}',
+    buchungstext_template_credit = '{Buchungstext}'
+WHERE name = 'Comdirect';
--- a/migrations/057_bank_format_kuerzel.sql
+++ b/migrations/057_bank_format_kuerzel.sql
@ -0,0 +1,5 @@
+ALTER TABLE bank_import_formats
+    ADD COLUMN IF NOT EXISTS kuerzel VARCHAR(10) NOT NULL DEFAULT '' AFTER name;
+
+UPDATE bank_import_formats SET kuerzel = 'C'   WHERE name = 'Comdirect';
+UPDATE bank_import_formats SET kuerzel = 'DKB' WHERE name = 'DKB Bank';
--- a/migrations/058_fix_dkb_date_format.sql
+++ b/migrations/058_fix_dkb_date_format.sql
@ -0,0 +1,13 @@
+-- DKB exportiert Datumsfelder zweistellig (dd.mm.yy), nicht vierstellig
+UPDATE bank_import_formats
+SET date_format = 'd.m.y'
+WHERE name = 'DKB Bank';
+
+-- Bereits importierte DKB-Buchungen mit Jahr 0026 auf 2026 korrigieren
+UPDATE bank_transactions bt
+JOIN bank_import_batches bib ON bib.id = bt.batch_id
+JOIN bank_import_formats bif ON bif.id = bib.format_id
+SET bt.wertstellung = DATE_ADD(bt.wertstellung, INTERVAL 2000 YEAR),
+    bt.buchungstag  = DATE_ADD(bt.buchungstag,  INTERVAL 2000 YEAR)
+WHERE bif.name = 'DKB Bank'
+  AND YEAR(bt.wertstellung) < 100;
--- a/migrations/059_bank_format_farbe.sql
+++ b/migrations/059_bank_format_farbe.sql
@ -0,0 +1,5 @@
+ALTER TABLE bank_import_formats
+    ADD COLUMN IF NOT EXISTS farbe VARCHAR(7) NOT NULL DEFAULT '#6366f1' AFTER kuerzel;
+
+UPDATE bank_import_formats SET farbe = '#f59e0b' WHERE name = 'Comdirect';
+UPDATE bank_import_formats SET farbe = '#dc2626' WHERE name = 'DKB Bank';
--- a/migrations/060_fix_comdirect_skip_rows.sql
+++ b/migrations/060_fix_comdirect_skip_rows.sql
@ -0,0 +1,9 @@
+-- Comdirect CSV hat eine Leerzeile zwischen Metadaten und Headerzeile.
+-- Mit skip_rows=3 wurde die Leerzeile als Header gelesen → headerMap leer
+-- → Template {Buchungstext} konnte nicht auflösen → leerer buchungstext.
+-- Fix: skip_rows auf 4 setzen und Templates entfernen (col_buchungstext=3 genügt direkt).
+UPDATE bank_import_formats
+SET skip_rows                   = 4,
+    buchungstext_template_debit  = NULL,
+    buchungstext_template_credit = NULL
+WHERE name = 'Comdirect';
--- a/migrations/061_bank_format_nullable.sql
+++ b/migrations/061_bank_format_nullable.sql
@ -0,0 +1,7 @@
+-- format_id in bank_import_batches nullable machen.
+-- Beim Löschen eines Formats werden vorhandene Batches behalten; format_id wird NULL gesetzt.
+ALTER TABLE bank_import_batches DROP FOREIGN KEY bank_import_batches_ibfk_1;
+ALTER TABLE bank_import_batches MODIFY format_id INT UNSIGNED NULL;
+ALTER TABLE bank_import_batches
+    ADD CONSTRAINT fk_bib_format_id
+    FOREIGN KEY (format_id) REFERENCES bank_import_formats(id) ON DELETE SET NULL;
--- a/public/index.php
+++ b/public/index.php
@ -68,6 +68,7 @@ $router->post('/belege/{id}/vorschlag/reset',    fn($p) => (new BelegController(
 $router->get('/bank',                       fn($p) => (new BankController())->index($p));
 $router->get('/bank/upload',                fn($p) => (new BankController())->uploadForm($p));
 $router->post('/bank/upload',               fn($p) => (new BankController())->upload($p));
+$router->post('/bank/detect-format',        fn($p) => (new BankController())->detectFormat($p));
 $router->post('/bank/upload/confirm',       fn($p) => (new BankController())->uploadConfirm($p));
 $router->get('/bank/{id}',                  fn($p) => (new BankController())->show($p));
 $router->post('/bank/{id}/status',          fn($p) => (new BankController())->updateStatus($p));
@ -150,6 +151,12 @@ $router->post('/settings/mail-template', fn($p) => (new SettingsController())->m
 $router->post('/settings/mail-test', fn($p) => (new SettingsController())->mailTest($p));
 $router->post('/settings/logo', fn($p) => (new SettingsController())->uploadLogo($p));
 $router->post('/settings/logo/delete', fn($p) => (new SettingsController())->deleteLogo($p));
+$router->get('/settings/bankimport',                    fn($p) => (new SettingsController())->bankImport($p));
+$router->post('/settings/bankimport/suggest',            fn($p) => (new SettingsController())->storeSuggestion($p));
+$router->post('/settings/bankimport/create',             fn($p) => (new SettingsController())->createBankImportFormat($p));
+$router->post('/settings/bankimport/dismiss-suggestion', fn($p) => (new SettingsController())->dismissSuggestion($p));
+$router->post('/settings/bankimport/{id}/field',         fn($p) => (new SettingsController())->updateBankImportField($p));
+$router->post('/settings/bankimport/{id}/delete',        fn($p) => (new SettingsController())->deleteBankImportFormat($p));

 // ── Login / Logout ────────────────────────────────────────────
 $router->get('/login', fn($p) => (new LoginController())->showLogin($p));
--- a/public/static/css/app.css
+++ b/public/static/css/app.css
@ -316,6 +316,17 @@ td { padding: .65rem 1rem; vertical-align: middle; }
 .badge-gray    { background: #f1f5f9; color: #475569; }
 .badge-purple  { background: #ede9fe; color: #6d28d9; }

+.kuerzel-badge {
+    display: inline-block;
+    padding: .15rem .6rem;
+    border-radius: 999px;
+    font-size: .72rem;
+    font-weight: 600;
+    white-space: nowrap;
+    flex-shrink: 0;
+    vertical-align: middle;
+}
+
 /* ── Toolbar / Filter bar ────────────────────────────────────── */
 .toolbar {
    display: flex;
--- a/src/Controllers/AccountController.php
+++ b/src/Controllers/AccountController.php
@ -14,6 +14,10 @@ class AccountController extends BaseController
    public function dashboard(array $params): void
    {
        $year      = (int)date('Y');
+        $month     = (int)date('m');
+        $prevMonth = $month === 1 ? 12 : $month - 1;
+        $prevYear  = $month === 1 ? $year - 1 : $year;
+        $monthNames = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','Dez'];

        // Quick stats
        $stats = [];
@ -28,6 +32,20 @@ class AccountController extends BaseController
        );
        $stats['umsatz'] = (float)($umsatz['total'] ?? 0);

+        $r = \Steuerkram\Database::fetchOne(
+            'SELECT COALESCE(SUM(betrag_netto),0) as total FROM bookings
+             WHERE buchungstyp=\'Einnahme\' AND is_reversal=0 AND YEAR(buchungs_datum)=? AND MONTH(buchungs_datum)=?',
+            [$year, $month]
+        );
+        $stats['umsatz_monat'] = (float)($r['total'] ?? 0);
+
+        $r = \Steuerkram\Database::fetchOne(
+            'SELECT COALESCE(SUM(betrag_netto),0) as total FROM bookings
+             WHERE buchungstyp=\'Einnahme\' AND is_reversal=0 AND YEAR(buchungs_datum)=? AND MONTH(buchungs_datum)=?',
+            [$prevYear, $prevMonth]
+        );
+        $stats['umsatz_vormonat'] = (float)($r['total'] ?? 0);
+
        // Ausgaben
        $ausgaben = \Steuerkram\Database::fetchOne(
            'SELECT COALESCE(SUM(bk.betrag_netto),0) as total
@ -37,8 +55,27 @@ class AccountController extends BaseController
            [$year]
        );
        $stats['ausgaben'] = (float)($ausgaben['total'] ?? 0);
+
+        $r = \Steuerkram\Database::fetchOne(
+            'SELECT COALESCE(SUM(betrag_netto),0) as total FROM bookings
+             WHERE buchungstyp=\'Ausgabe\' AND is_reversal=0 AND YEAR(buchungs_datum)=? AND MONTH(buchungs_datum)=?',
+            [$year, $month]
+        );
+        $stats['ausgaben_monat'] = (float)($r['total'] ?? 0);
+
+        $r = \Steuerkram\Database::fetchOne(
+            'SELECT COALESCE(SUM(betrag_netto),0) as total FROM bookings
+             WHERE buchungstyp=\'Ausgabe\' AND is_reversal=0 AND YEAR(buchungs_datum)=? AND MONTH(buchungs_datum)=?',
+            [$prevYear, $prevMonth]
+        );
+        $stats['ausgaben_vormonat'] = (float)($r['total'] ?? 0);
+
        $stats['gewinn']          = $stats['umsatz'] - $stats['ausgaben'];
+        $stats['gewinn_monat']    = $stats['umsatz_monat'] - $stats['ausgaben_monat'];
+        $stats['gewinn_vormonat'] = $stats['umsatz_vormonat'] - $stats['ausgaben_vormonat'];
        $stats['year']            = $year;
+        $stats['month_label']     = $monthNames[$month - 1];
+        $stats['vormonat_label']  = $monthNames[$prevMonth - 1];

        // Offene Rechnungen
        $offen = \Steuerkram\Database::fetchOne(
--- a/src/Controllers/BankController.php
+++ b/src/Controllers/BankController.php
@ -26,6 +26,7 @@ class BankController extends BaseController

        $page    = max(1, (int)($_GET['page'] ?? 1));
        $result  = BankTransaction::all($filter, $page);
+        $formats = BankImportFormat::all();

        $view = new View();
        $view->render('layout/base.php', [
@ -36,6 +37,7 @@ class BankController extends BaseController
                'pages'   => $result['pages'],
                'page'    => $page,
                'filter'  => $filter,
+                'formats' => $formats,
            ]),
            'topbarActions' => '<a href="/bank/upload" class="btn btn-primary">Upload</a>',
        ]);
@ -47,6 +49,7 @@ class BankController extends BaseController
        $view    = new View();
        $view->render('layout/base.php', [
            'pageTitle'     => 'Bank-Buchungen importieren',
+            'topbarActions' => '<a href="/settings/bankimport" class="btn btn-secondary btn-sm">Formate bearbeiten</a>',
            'content'       => $this->renderView('bank/upload', [
                'formats' => $formats,
                'errors'  => [],
@ -54,6 +57,62 @@ class BankController extends BaseController
        ]);
    }

+    public function detectFormat(array $params): void
+    {
+        header('Content-Type: application/json');
+
+        $file = $_FILES['bank_file'] ?? null;
+        if (empty($file['tmp_name']) || $file['error'] !== UPLOAD_ERR_OK) {
+            echo json_encode(['error' => 'Upload fehlgeschlagen.']);
+            return;
+        }
+
+        $origName = $file['name'] ?? 'upload';
+        $ext      = strtolower(pathinfo($origName, PATHINFO_EXTENSION));
+
+        if (!in_array($ext, self::ALLOWED_EXT, true)) {
+            echo json_encode(['error' => 'Nicht erlaubtes Dateiformat.']);
+            return;
+        }
+
+        $formats = BankImportFormat::all();
+        $parser  = new BankImportParser();
+
+        $formatsData = [];
+        $matchedIds  = [];
+
+        foreach ($formats as $format) {
+            $id      = (int)$format['id'];
+            $peek    = $parser->peekRows($file['tmp_name'], $ext, $format);
+            $isMatch = $parser->isFormatMatch($file['tmp_name'], $ext, $format);
+
+            if ($isMatch) {
+                $matchedIds[] = $id;
+            }
+
+            $formatsData[$id] = [
+                'format'     => $format,
+                'header_row' => $peek['header'],
+                'first_data' => $peek['first_data'],
+                'is_match'   => $isMatch,
+            ];
+        }
+
+        $matchedFormatId = count($matchedIds) === 1 ? $matchedIds[0] : null;
+
+        $suggestedFormat = null;
+        if ($matchedFormatId === null) {
+            $suggestedFormat = $parser->suggestFormat($file['tmp_name'], $ext);
+        }
+
+        echo json_encode([
+            'matched_format_id' => $matchedFormatId,
+            'formats_data'      => $formatsData,
+            'filename'          => $origName,
+            'suggested_format'  => $suggestedFormat,
+        ], JSON_UNESCAPED_UNICODE);
+    }
+
    public function upload(array $params): void
    {
        $formatId = (int)($_POST['format_id'] ?? 0);
--- a/src/Controllers/SettingsController.php
+++ b/src/Controllers/SettingsController.php
@ -4,6 +4,7 @@ declare(strict_types=1);

 namespace Steuerkram\Controllers;

+use Steuerkram\Models\BankImportFormat;
 use Steuerkram\Models\Setting;
 use Steuerkram\Services\EmailService;
 use Steuerkram\View;
@ -138,4 +139,250 @@ class SettingsController extends BaseController
        View::redirect('/settings', 'Logo gelöscht.');
    }

+    public function bankImport(array $params): void
+    {
+        $formats    = BankImportFormat::all();
+        $suggestion = $_SESSION['bank_import_suggestion'] ?? null;
+
+        $view = new View();
+        $view->render('layout/base.php', [
+            'pageTitle' => 'Bankimport-Formate',
+            'content'   => $this->renderView('settings/bankimport', [
+                'formats'    => $formats,
+                'suggestion' => $suggestion,
+            ]),
+        ]);
+    }
+
+    public function deleteBankImportFormat(array $params): void
+    {
+        header('Content-Type: application/json');
+
+        $id  = (int)($params['id'] ?? 0);
+        $fmt = BankImportFormat::find($id);
+        if (!$fmt) {
+            http_response_code(404);
+            echo json_encode(['error' => 'Format nicht gefunden.']);
+            return;
+        }
+
+        BankImportFormat::delete($id);
+        echo json_encode(['ok' => true]);
+    }
+
+    public function storeSuggestion(array $params): void
+    {
+        header('Content-Type: application/json');
+        $data = json_decode(file_get_contents('php://input'), true);
+        if (is_array($data)) {
+            $_SESSION['bank_import_suggestion'] = $data;
+            echo json_encode(['ok' => true]);
+        } else {
+            http_response_code(400);
+            echo json_encode(['error' => 'Keine Daten.']);
+        }
+    }
+
+    public function dismissSuggestion(array $params): void
+    {
+        header('Content-Type: application/json');
+        unset($_SESSION['bank_import_suggestion']);
+        echo json_encode(['ok' => true]);
+    }
+
+    public function createBankImportFormat(array $params): void
+    {
+        $dateFormats = ['d.m.Y', 'd.m.y', 'Y-m-d', 'd/m/Y', 'm/d/Y', 'Y.m.d', 'd-m-Y'];
+
+        $name      = trim($_POST['name'] ?? '');
+        $kuerzel   = trim($_POST['kuerzel'] ?? '');
+        $farbe     = $_POST['farbe'] ?? '#6366f1';
+        $skipRows  = (int)($_POST['skip_rows'] ?? 0);
+        $hasHeader = in_array($_POST['has_header_row'] ?? '1', ['0', '1'], true)
+                        ? (int)$_POST['has_header_row'] : 1;
+        $delimiter = $_POST['delimiter'] ?? ';';
+        $enclosure = $_POST['enclosure'] ?? '"';
+        $dateFmt   = $_POST['date_format'] ?? 'd.m.Y';
+        $decSep    = $_POST['decimal_separator'] ?? ',';
+        $thouSep   = $_POST['thousands_separator'] ?? '.';
+
+        $errors = [];
+        if ($name === '' || mb_strlen($name) > 100) {
+            $errors[] = 'Name darf nicht leer sein (max. 100 Zeichen).';
+        }
+        if ($kuerzel === '' || mb_strlen($kuerzel) > 10) {
+            $errors[] = 'Kürzel darf nicht leer sein (max. 10 Zeichen).';
+        }
+        if (!preg_match('/^#[0-9a-fA-F]{6}$/', $farbe)) {
+            $farbe = '#6366f1';
+        }
+        if ($skipRows < 0 || $skipRows > 99) {
+            $skipRows = 0;
+        }
+        if (mb_strlen($delimiter) !== 1) {
+            $errors[] = 'Trennzeichen muss genau ein Zeichen sein.';
+        }
+        if (mb_strlen($enclosure) !== 1) {
+            $errors[] = 'Anführungszeichen muss genau ein Zeichen sein.';
+        }
+        if (!in_array($dateFmt, $dateFormats, true)) {
+            $dateFmt = 'd.m.Y';
+        }
+        if (mb_strlen($decSep) !== 1) {
+            $errors[] = 'Dezimaltrennzeichen muss genau ein Zeichen sein.';
+        }
+        if (mb_strlen($thouSep) > 1) {
+            $thouSep = '';
+        }
+
+        if (!empty($errors)) {
+            // Bei Validierungsfehler zurück mit Fehlermeldung
+            $suggestion = $_SESSION['bank_import_suggestion'] ?? null;
+            $formats    = BankImportFormat::all();
+            $view       = new View();
+            $view->render('layout/base.php', [
+                'pageTitle' => 'Bankimport-Formate',
+                'content'   => $this->renderView('settings/bankimport', [
+                    'formats'    => $formats,
+                    'suggestion' => $suggestion,
+                    'errors'     => $errors,
+                ]),
+            ]);
+            return;
+        }
+
+        $tplDebit  = mb_substr(trim($_POST['buchungstext_template_debit']  ?? ''), 0, 500);
+        $tplCredit = mb_substr(trim($_POST['buchungstext_template_credit'] ?? ''), 0, 500);
+
+        $nullInt = function (string $key): ?int {
+            $v = $_POST[$key] ?? '';
+            if ($v === '') return null;
+            return (int)$v;
+        };
+        $intCol = function (string $key, int $default = 0): int {
+            $v = $_POST[$key] ?? '';
+            return $v !== '' ? (int)$v : $default;
+        };
+
+        $id = BankImportFormat::create([
+            'name'                            => $name,
+            'kuerzel'                         => $kuerzel,
+            'farbe'                           => $farbe,
+            'skip_rows'                       => $skipRows,
+            'has_header_row'                  => $hasHeader,
+            'delimiter'                       => $delimiter,
+            'enclosure'                       => $enclosure,
+            'date_format'                     => $dateFmt,
+            'decimal_separator'               => $decSep,
+            'thousands_separator'             => $thouSep,
+            'col_buchungstag'                 => $intCol('col_buchungstag', 0),
+            'col_wertstellung'                => $intCol('col_wertstellung', 1),
+            'col_vorgang'                     => $intCol('col_vorgang', 2),
+            'col_buchungstext'                => 0,
+            'col_wert'                        => $intCol('col_wert', 4),
+            'col_zahlungspflichtiger'         => $nullInt('col_zahlungspflichtiger'),
+            'col_zahlungsempfaenger'          => $nullInt('col_zahlungsempfaenger'),
+            'col_verwendungszweck'            => $nullInt('col_verwendungszweck'),
+            'buchungstext_template_debit'     => $tplDebit  !== '' ? $tplDebit  : null,
+            'buchungstext_template_credit'    => $tplCredit !== '' ? $tplCredit : null,
+        ]);
+
+        unset($_SESSION['bank_import_suggestion']);
+
+        header('Location: /settings/bankimport#format-' . $id);
+        exit;
+    }
+
+    public function updateBankImportField(array $params): void
+    {
+        header('Content-Type: application/json');
+
+        $id  = (int)($params['id'] ?? 0);
+        $fmt = BankImportFormat::find($id);
+        if (!$fmt) {
+            http_response_code(404);
+            echo json_encode(['error' => 'Format nicht gefunden.']);
+            return;
+        }
+
+        $field = $_POST['field'] ?? '';
+        $raw   = $_POST['value'] ?? '';
+
+        $intCols     = ['col_buchungstag', 'col_wertstellung', 'col_vorgang', 'col_buchungstext', 'col_wert'];
+        $nullIntCols = ['col_zahlungspflichtiger', 'col_zahlungsempfaenger', 'col_verwendungszweck'];
+        $charCols    = ['delimiter', 'enclosure', 'decimal_separator'];
+        $dateFormats = ['d.m.Y', 'd.m.y', 'Y-m-d', 'd/m/Y', 'm/d/Y', 'Y.m.d', 'd-m-Y'];
+        $tplCols     = ['buchungstext_template_debit', 'buchungstext_template_credit'];
+
+        [$ok, $value, $err] = match (true) {
+            $field === 'name'
+                => (trim($raw) !== '' && mb_strlen(trim($raw)) <= 100)
+                    ? [true, trim($raw), '']
+                    : [false, null, 'Name darf nicht leer sein (max. 100 Zeichen).'],
+
+            $field === 'kuerzel'
+                => (trim($raw) !== '' && mb_strlen(trim($raw)) <= 10)
+                    ? [true, trim($raw), '']
+                    : [false, null, 'Kürzel darf nicht leer sein (max. 10 Zeichen).'],
+
+            $field === 'farbe'
+                => (bool)preg_match('/^#[0-9a-fA-F]{6}$/', $raw)
+                    ? [true, $raw, '']
+                    : [false, null, 'Ungültige Farbe (Format: #RRGGBB).'],
+
+            $field === 'skip_rows'
+                => (ctype_digit($raw) && (int)$raw >= 0 && (int)$raw <= 99)
+                    ? [true, (int)$raw, '']
+                    : [false, null, 'Übersprungene Zeilen: ganze Zahl 0–99 erforderlich.'],
+
+            $field === 'has_header_row'
+                => in_array($raw, ['0', '1'], true)
+                    ? [true, (int)$raw, '']
+                    : [false, null, 'Ungültiger Wert.'],
+
+            in_array($field, $charCols, true)
+                => (mb_strlen($raw) === 1)
+                    ? [true, $raw, '']
+                    : [false, null, 'Genau ein Zeichen erforderlich.'],
+
+            $field === 'thousands_separator'
+                => (mb_strlen($raw) <= 1)
+                    ? [true, $raw, '']
+                    : [false, null, 'Maximal ein Zeichen.'],
+
+            in_array($field, $intCols, true)
+                => (ctype_digit($raw) && (int)$raw >= 0 && (int)$raw <= 99)
+                    ? [true, (int)$raw, '']
+                    : [false, null, 'Gültige Spaltennummer (0–99) erforderlich.'],
+
+            in_array($field, $nullIntCols, true)
+                => ($raw === '' || $raw === null)
+                    ? [true, null, '']
+                    : (ctype_digit($raw) && (int)$raw >= 0 && (int)$raw <= 99
+                        ? [true, (int)$raw, '']
+                        : [false, null, 'Gültige Spaltennummer (0–99) oder leer für nicht gesetzt.']),
+
+            $field === 'date_format'
+                => in_array($raw, $dateFormats, true)
+                    ? [true, $raw, '']
+                    : [false, null, 'Unbekanntes Datumsformat.'],
+
+            in_array($field, $tplCols, true)
+                => (mb_strlen($raw) <= 500)
+                    ? [true, $raw === '' ? null : $raw, '']
+                    : [false, null, 'Template zu lang (max. 500 Zeichen).'],
+
+            default => [false, null, 'Unbekanntes Feld.'],
+        };
+
+        if (!$ok) {
+            http_response_code(422);
+            echo json_encode(['error' => $err]);
+            return;
+        }
+
+        BankImportFormat::updateField($id, $field, $value);
+        echo json_encode(['ok' => true]);
+    }
+
 }
--- a/src/Models/BankImportFormat.php
+++ b/src/Models/BankImportFormat.php
@ -18,4 +18,53 @@ class BankImportFormat
        $row = Database::fetchOne('SELECT * FROM bank_import_formats WHERE id = ?', [$id]);
        return $row ?: null;
    }
+
+    public static function updateField(int $id, string $field, mixed $value): void
+    {
+        Database::execute(
+            "UPDATE bank_import_formats SET `{$field}` = ? WHERE id = ?",
+            [$value, $id]
+        );
+    }
+
+    public static function delete(int $id): void
+    {
+        Database::execute('DELETE FROM bank_import_formats WHERE id = ?', [$id]);
+    }
+
+    public static function create(array $data): int
+    {
+        Database::execute(
+            'INSERT INTO bank_import_formats
+             (name, kuerzel, farbe, skip_rows, has_header_row, delimiter, enclosure,
+              date_format, decimal_separator, thousands_separator,
+              col_buchungstag, col_wertstellung, col_vorgang, col_buchungstext, col_wert,
+              col_zahlungspflichtiger, col_zahlungsempfaenger, col_verwendungszweck,
+              buchungstext_template_debit, buchungstext_template_credit)
+             VALUES (?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?, ?)',
+            [
+                $data['name'],
+                $data['kuerzel'],
+                $data['farbe'],
+                $data['skip_rows'],
+                $data['has_header_row'],
+                $data['delimiter'],
+                $data['enclosure'],
+                $data['date_format'],
+                $data['decimal_separator'],
+                $data['thousands_separator'],
+                $data['col_buchungstag'],
+                $data['col_wertstellung'],
+                $data['col_vorgang'],
+                $data['col_buchungstext'],
+                $data['col_wert'],
+                $data['col_zahlungspflichtiger'],
+                $data['col_zahlungsempfaenger'],
+                $data['col_verwendungszweck'],
+                $data['buchungstext_template_debit']  ?? null,
+                $data['buchungstext_template_credit'] ?? null,
+            ]
+        );
+        return (int)Database::lastInsertId();
+    }
 }
--- a/src/Models/BankTransaction.php
+++ b/src/Models/BankTransaction.php
@ -42,22 +42,39 @@ class BankTransaction
            $params[] = $s;
            $params[] = $s;
        }
+        if (!empty($filter['format_id'])) {
+            $where[]  = 'bib.format_id = ?';
+            $params[] = (int)$filter['format_id'];
+        }
+
+        $sortMap = [
+            'wertstellung' => 'bt.wertstellung',
+            'buchungstag'  => 'bt.buchungstag',
+            'betrag'       => 'bt.wert',
+            'buchungstext' => 'bt.buchungstext',
+            'status'       => 'bt.status',
+        ];
+        $sortCol = $sortMap[$filter['sort'] ?? ''] ?? 'bt.wertstellung';
+        $sortDir = ($filter['dir'] ?? 'desc') === 'asc' ? 'ASC' : 'DESC';

        $whereStr = implode(' AND ', $where);
        $offset   = ($page - 1) * $perPage;

        $total = (int)(Database::fetchOne(
-            "SELECT COUNT(*) AS n FROM bank_transactions bt WHERE $whereStr",
+            "SELECT COUNT(*) AS n
+             FROM bank_transactions bt
+             JOIN bank_import_batches bib ON bt.batch_id = bib.id
+             WHERE $whereStr",
            $params
        )['n'] ?? 0);

        $rows = Database::fetchAll(
-            "SELECT bt.*, bib.filename AS batch_filename, bif.name AS format_name,
+            "SELECT bt.*, bib.filename AS batch_filename, bif.name AS format_name, bif.kuerzel, bif.farbe,
                    btb_agg.beleg_id AS beleg_id, btb_agg.beleg_count,
                    b.beleg_nr
             FROM bank_transactions bt
             JOIN bank_import_batches bib ON bt.batch_id = bib.id
-             JOIN bank_import_formats bif ON bib.format_id = bif.id
+             LEFT JOIN bank_import_formats bif ON bib.format_id = bif.id
             LEFT JOIN (
                 SELECT bank_tx_id, MIN(beleg_id) AS beleg_id, COUNT(*) AS beleg_count
                 FROM bank_transaction_belege
@ -65,7 +82,7 @@ class BankTransaction
             ) btb_agg ON btb_agg.bank_tx_id = bt.id
             LEFT JOIN belege b ON b.id = btb_agg.beleg_id
             WHERE $whereStr
-             ORDER BY bt.wertstellung DESC, bt.id DESC
+             ORDER BY $sortCol $sortDir, bt.wertstellung $sortDir, bt.buchungstag $sortDir, bt.id $sortDir
             LIMIT ? OFFSET ?",
            array_merge($params, [$perPage, $offset])
        );
@ -80,7 +97,7 @@ class BankTransaction
    public static function find(int $id): ?array
    {
        $row = Database::fetchOne(
-            'SELECT bt.*, bib.filename AS batch_filename, bif.name AS format_name
+            'SELECT bt.*, bib.filename AS batch_filename, bif.name AS format_name, bif.kuerzel, bif.farbe
             FROM bank_transactions bt
             JOIN bank_import_batches bib ON bt.batch_id = bib.id
             JOIN bank_import_formats bif ON bib.format_id = bif.id
@ -184,10 +201,11 @@ class BankTransaction
    public static function findByBelegId(int $belegId): ?array
    {
        $row = Database::fetchOne(
-            'SELECT bt.*, bib.filename AS batch_filename, btb.betrag AS alloc_betrag
+            'SELECT bt.*, bib.filename AS batch_filename, bif.kuerzel, bif.farbe, btb.betrag AS alloc_betrag
             FROM bank_transaction_belege btb
             JOIN bank_transactions bt ON bt.id = btb.bank_tx_id
             JOIN bank_import_batches bib ON bib.id = bt.batch_id
+             JOIN bank_import_formats bif ON bif.id = bib.format_id
             WHERE btb.beleg_id = ?
             LIMIT 1',
            [$belegId]
@ -213,7 +231,7 @@ class BankTransaction
        }

        $existing = Database::fetchAll(
-            "SELECT buchungstag, wertstellung, CAST(wert AS CHAR) AS wert, LEFT(buchungstext,200) AS btext
+            "SELECT buchungstag, wertstellung, CAST(wert AS CHAR) AS wert
             FROM bank_transactions
             WHERE (buchungstag, wertstellung, CAST(wert AS CHAR)) IN ($placeholders)",
            $params
@ -221,7 +239,7 @@ class BankTransaction

        $lookup = [];
        foreach ($existing as $e) {
-            $lookup[$e['buchungstag'] . '|' . $e['wertstellung'] . '|' . $e['wert'] . '|' . $e['btext']] = true;
+            $lookup[$e['buchungstag'] . '|' . $e['wertstellung'] . '|' . $e['wert']] = true;
        }

        $new = [];
@ -229,8 +247,7 @@ class BankTransaction
        foreach ($rows as $row) {
            $key = $row['buchungstag'] . '|'
                 . $row['wertstellung'] . '|'
-                 . (string)$row['wert'] . '|'
-                 . mb_substr($row['buchungstext'], 0, 200);
+                 . (string)$row['wert'];
            if (isset($lookup[$key])) {
                $dup[] = $row;
            } else {
--- a/src/Services/BankImportParser.php
+++ b/src/Services/BankImportParser.php
@ -22,10 +22,16 @@ class BankImportParser
            $lines = $this->readCsv($filePath, $format['delimiter'], $format['enclosure']);
        }

-        // Übersprungene Zeilen und optionale Headerzeile entfernen
+        // Übersprungene Zeilen entfernen
        $skipRows = (int)$format['skip_rows'];
        $lines    = array_slice($lines, $skipRows);
-        if (!empty($format['has_header_row'])) {
+
+        // Headerzeile auslesen (vor dem Entfernen), um {Überschrift}-Templates aufzulösen
+        $headerMap = [];
+        if (!empty($format['has_header_row']) && isset($lines[0])) {
+            foreach ($lines[0] as $idx => $header) {
+                $headerMap[trim($header)] = $idx;
+            }
            $lines = array_slice($lines, 1);
        }

@ -35,6 +41,9 @@ class BankImportParser
        $colBuchungstext = (int)$format['col_buchungstext'];
        $colWert         = (int)$format['col_wert'];

+        $tplDebit  = !empty($format['buchungstext_template_debit'])  ? $format['buchungstext_template_debit']  : null;
+        $tplCredit = !empty($format['buchungstext_template_credit']) ? $format['buchungstext_template_credit'] : null;
+
        $result = [];
        foreach ($lines as $i => $cells) {
            // Leerzeilen überspringen
@ -55,11 +64,21 @@ class BankImportParser
                continue;
            }

+            $activeTpl = $wert < 0 ? $tplDebit : $tplCredit;
+            if ($activeTpl !== null) {
+                $buchungstext = preg_replace_callback('/\{([^}]+)\}/', function ($m) use ($headerMap, $cells) {
+                    $idx = $headerMap[$m[1]] ?? null;
+                    return $idx !== null ? trim($cells[$idx] ?? '') : '';
+                }, $activeTpl);
+            } else {
+                $buchungstext = trim($cells[$colBuchungstext] ?? '');
+            }
+
            $result[] = [
                'buchungstag'  => $buchungstag,
                'wertstellung' => $wertstellung,
                'vorgang'      => trim($cells[$colVorgang] ?? ''),
-                'buchungstext' => trim($cells[$colBuchungstext] ?? ''),
+                'buchungstext' => $buchungstext,
                'wert'         => $wert,
                'raw_line'     => implode($format['delimiter'], $cells),
            ];
@ -222,6 +241,175 @@ class BankImportParser
        return [$col - 1, (int)($m[2] ?? 1) - 1];
    }

+    /**
+     * Liest Überschriften- und erste Datenzeile aus einer Datei gemäß Format-Konfiguration.
+     * Gibt ['header' => [...], 'first_data' => [...]] zurück.
+     */
+    public function peekRows(string $filePath, string $ext, array $format): array
+    {
+        try {
+            $fmtExt = strtolower($ext);
+            if ($fmtExt === 'xlsx') {
+                $lines = $this->readXlsx($filePath);
+            } else {
+                $lines = $this->readCsv($filePath, $format['delimiter'], $format['enclosure']);
+            }
+
+            $skipRows = (int)$format['skip_rows'];
+            $lines    = array_slice($lines, $skipRows);
+
+            // Führende Leerzeilen überspringen
+            while (!empty($lines) && trim(implode('', $lines[0])) === '') {
+                array_shift($lines);
+            }
+
+            $header = [];
+            if (!empty($format['has_header_row']) && isset($lines[0])) {
+                $header = array_map('trim', $lines[0]);
+                $lines  = array_slice($lines, 1);
+            }
+
+            $firstData = [];
+            foreach ($lines as $line) {
+                if (trim(implode('', $line)) !== '') {
+                    $firstData = $line;
+                    break;
+                }
+            }
+
+            return ['header' => $header, 'first_data' => $firstData];
+        } catch (\Throwable) {
+            return ['header' => [], 'first_data' => []];
+        }
+    }
+
+    /**
+     * Analysiert eine unbekannte CSV und versucht, die Headerzeile sowie passende
+     * Spaltenzuordnungen zu erkennen. Gibt null zurück, wenn keine Headerzeile gefunden.
+     */
+    public function suggestFormat(string $filePath, string $ext): ?array
+    {
+        if (strtolower($ext) === 'xlsx') {
+            return null;
+        }
+
+        $patterns = [
+            'col_buchungstag'         => ['buchungstag', 'buchungsdatum', 'datum'],
+            'col_wertstellung'        => ['wertstellung'],
+            'col_vorgang'             => ['vorgang', 'umsatztyp'],
+            'col_buchungstext'        => ['buchungstext'],
+            'col_wert'                => ['betrag', 'umsatz'],
+            'col_zahlungspflichtiger' => ['zahlungspflichtige', 'auftraggeber'],
+            'col_zahlungsempfaenger'  => ['zahlungsempf', 'empfänger'],
+            'col_verwendungszweck'    => ['verwendungszweck'],
+        ];
+
+        foreach ([';', ',', "\t"] as $delimiter) {
+            try {
+                $lines = $this->readCsv($filePath, $delimiter, '"');
+            } catch (\Throwable) {
+                continue;
+            }
+
+            if (count($lines) < 2) {
+                continue;
+            }
+
+            for ($skipRows = 0; $skipRows <= 10; $skipRows++) {
+                $candidate = $lines[$skipRows] ?? null;
+                if ($candidate === null) {
+                    break;
+                }
+
+                $cells = array_map('trim', $candidate);
+                $nonEmpty = array_filter($cells, fn($c) => $c !== '');
+
+                if (count($nonEmpty) < 3) {
+                    continue;
+                }
+
+                // Zeile gilt als Header wenn Zellen Text enthalten (keine reinen Zahlen/Daten)
+                $textCells = array_filter($nonEmpty, function (string $c): bool {
+                    if (is_numeric($c)) return false;
+                    if (preg_match('/^\d{1,2}[.\-\/]\d{1,2}[.\-\/]\d{2,4}$/', $c)) return false;
+                    return true;
+                });
+
+                if (count($textCells) < 2) {
+                    continue;
+                }
+
+                // Mindestens ein Banking-Keyword muss vorkommen
+                $cellsLower = array_map('mb_strtolower', $cells);
+                $hasKeyword = false;
+                foreach ($patterns as $keywords) {
+                    foreach ($keywords as $kw) {
+                        foreach ($cellsLower as $cell) {
+                            if (str_contains($cell, $kw)) {
+                                $hasKeyword = true;
+                                break 3;
+                            }
+                        }
+                    }
+                }
+
+                if (!$hasKeyword) {
+                    continue;
+                }
+
+                // Spalten-Mapping aufbauen
+                $mapping   = [];
+                $used      = [];
+                foreach ($patterns as $field => $keywords) {
+                    foreach ($keywords as $kw) {
+                        foreach ($cellsLower as $idx => $cell) {
+                            if (!in_array($idx, $used, true) && str_contains($cell, $kw)) {
+                                $mapping[$field] = $idx;
+                                $used[]          = $idx;
+                                break 2;
+                            }
+                        }
+                    }
+                }
+
+                // Erste Datenzeile nach dem Header ermitteln
+                $firstData = [];
+                for ($di = $skipRows + 1; $di < count($lines); $di++) {
+                    $row = array_map('trim', $lines[$di]);
+                    if (trim(implode('', $row)) !== '') {
+                        $firstData = $row;
+                        break;
+                    }
+                }
+
+                return [
+                    'skip_rows'      => $skipRows,
+                    'delimiter'      => $delimiter,
+                    'enclosure'      => '"',
+                    'has_header_row' => 1,
+                    'header'         => $cells,
+                    'first_data'     => $firstData,
+                    'mapping'        => $mapping,
+                ];
+            }
+        }
+
+        return null;
+    }
+
+    /**
+     * Prüft, ob eine Datei mit dem angegebenen Format mindestens eine gültige Zeile liefert.
+     * Delegiert an parse(), damit Detection und Import immer identisch beurteilen.
+     */
+    public function isFormatMatch(string $filePath, string $ext, array $format): bool
+    {
+        try {
+            return count($this->parse($filePath, $ext, $format)) > 0;
+        } catch (\Throwable) {
+            return false;
+        }
+    }
+
    private function parseDate(string $value, string $format): ?string
    {
        $value = trim($value);
--- a/src/Views/bank/index.php
+++ b/src/Views/bank/index.php
@ -2,6 +2,7 @@
 use Steuerkram\View;
 $h        = fn($v) => View::h($v);
 $fmt      = fn($v) => View::formatMoney($v);
+$kTextClr = fn(string $hex): string => (0.299*hexdec(substr($hex,1,2))+0.587*hexdec(substr($hex,3,2))+0.114*hexdec(substr($hex,5,2))) > 128 ? '#1e293b' : '#ffffff';

 $months = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','Dez'];
 ?>
@ -30,6 +31,39 @@ $months = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','D
                <?php endforeach; ?>
            </select>

+            <?php
+            $selFmt    = (int)($filter['format_id'] ?? 0);
+            $selFmtRow = null;
+            foreach ($formats as $f) { if ((int)$f['id'] === $selFmt) { $selFmtRow = $f; break; } }
+            ?>
+            <div class="bank-fmt-filter" style="position:relative">
+                <input type="hidden" name="format_id" id="filter-format-id" value="<?= $selFmt ?: '' ?>">
+                <button type="button" id="filter-format-btn"
+                        style="display:inline-flex;align-items:center;gap:.4rem;height:32px;padding:0 .6rem;border:1px solid var(--color-border);border-radius:var(--radius);background:#fff;cursor:pointer;white-space:nowrap;font-size:.875rem">
+                    <?php if ($selFmtRow): ?>
+                        <?php $fc = $selFmtRow['farbe'] ?? '#6366f1'; ?>
+                        <span class="kuerzel-badge" style="background:<?= $h($fc) ?>;color:<?= $kTextClr($fc) ?>"><?= $h($selFmtRow['kuerzel']) ?></span>
+                        <?= $h($selFmtRow['name']) ?>
+                    <?php else: ?>
+                        <span style="color:var(--color-muted)">Alle Konten</span>
+                    <?php endif; ?>
+                </button>
+                <div id="filter-format-drop"
+                     style="display:none;position:absolute;top:100%;left:0;margin-top:2px;z-index:200;background:#fff;border:1px solid var(--color-border);border-radius:var(--radius);box-shadow:0 4px 12px rgba(0,0,0,.08);min-width:180px;padding:.3rem 0">
+                    <div class="fmt-opt" data-id="" style="display:flex;align-items:center;gap:.5rem;padding:.35rem .75rem;cursor:pointer;font-size:.875rem">
+                        <span style="color:var(--color-muted)">Alle Konten</span>
+                    </div>
+                    <?php foreach ($formats as $f):
+                        $fc = $f['farbe'] ?? '#6366f1'; ?>
+                    <div class="fmt-opt" data-id="<?= (int)$f['id'] ?>"
+                         style="display:flex;align-items:center;gap:.5rem;padding:.35rem .75rem;cursor:pointer;font-size:.875rem<?= $selFmt === (int)$f['id'] ? ';background:var(--color-bg)' : '' ?>">
+                        <span class="kuerzel-badge" style="background:<?= $h($fc) ?>;color:<?= $kTextClr($fc) ?>"><?= $h($f['kuerzel']) ?></span>
+                        <?= $h($f['name']) ?>
+                    </div>
+                    <?php endforeach; ?>
+                </div>
+            </div>
+
            <select name="typ" style="width:110px">
                <option value="">Alle</option>
                <option value="einnahme"<?= ($filter['typ'] ?? '') === 'einnahme' ? ' selected' : '' ?>>Einnahmen</option>
@ -45,6 +79,19 @@ $months = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','D
                <option value=""<?= ($filter['status'] ?? 'pending') === '' ? ' selected' : '' ?>>Alle</option>
            </select>

+            <select name="sort" style="width:140px">
+                <option value="wertstellung"<?= ($filter['sort'] ?? 'wertstellung') === 'wertstellung' ? ' selected' : '' ?>>Wertstellung</option>
+                <option value="buchungstag"<?=  ($filter['sort'] ?? '') === 'buchungstag'  ? ' selected' : '' ?>>Buchungstag</option>
+                <option value="betrag"<?=       ($filter['sort'] ?? '') === 'betrag'        ? ' selected' : '' ?>>Betrag</option>
+                <option value="buchungstext"<?= ($filter['sort'] ?? '') === 'buchungstext'  ? ' selected' : '' ?>>Buchungstext</option>
+                <option value="status"<?=       ($filter['sort'] ?? '') === 'status'        ? ' selected' : '' ?>>Status</option>
+            </select>
+
+            <select name="dir" style="width:110px">
+                <option value="desc"<?= ($filter['dir'] ?? 'desc') === 'desc' ? ' selected' : '' ?>>↓ Absteigend</option>
+                <option value="asc"<?=  ($filter['dir'] ?? 'desc') === 'asc'  ? ' selected' : '' ?>>↑ Aufsteigend</option>
+            </select>
+
            <button type="submit" class="btn btn-secondary btn-sm">Filtern</button>
            <a href="/bank" class="btn btn-secondary btn-sm">Zurücksetzen</a>
        </div>
@ -92,7 +139,13 @@ $months = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','D
                <tr style="cursor:pointer" onclick="window.location='<?= $ziel ?>'">
                    <td class="td-mono"><?= $h(View::formatDate($row['wertstellung'])) ?></td>
                    <td>
-                        <div><?= $h($row['buchungstext']) ?></div>
+                        <div style="display:flex;align-items:baseline;gap:.4rem;flex-wrap:wrap">
+                            <?php if (!empty($row['kuerzel'])): ?>
+                            <?php $kf = $row['farbe'] ?? '#6366f1'; ?>
+                            <span class="kuerzel-badge" style="background:<?= $h($kf) ?>;color:<?= $kTextClr($kf) ?>"><?= $h($row['kuerzel']) ?></span>
+                            <?php endif; ?>
+                            <span><?= $h($row['buchungstext']) ?></span>
+                        </div>
                        <?php if ($row['vorgang']): ?>
                        <div class="text-muted text-sm"><?= $h($row['vorgang']) ?></div>
                        <?php endif; ?>
@ -149,3 +202,33 @@ $months = ['Jan','Feb','Mär','Apr','Mai','Jun','Jul','Aug','Sep','Okt','Nov','D
    </div>
    <?php endif; ?>
 </div>
+
+<script>
+(function () {
+    const btn   = document.getElementById('filter-format-btn');
+    const drop  = document.getElementById('filter-format-drop');
+    const input = document.getElementById('filter-format-id');
+    if (!btn || !drop) return;
+
+    btn.addEventListener('click', (e) => {
+        e.stopPropagation();
+        drop.style.display = drop.style.display === 'none' ? 'block' : 'none';
+    });
+
+    drop.addEventListener('click', (e) => {
+        const opt = e.target.closest('.fmt-opt');
+        if (!opt) return;
+        input.value = opt.dataset.id || '';
+        btn.closest('form').submit();
+    });
+
+    document.addEventListener('click', () => { drop.style.display = 'none'; });
+
+    drop.querySelectorAll('.fmt-opt').forEach(opt => {
+        opt.addEventListener('mouseenter', () => opt.style.background = 'var(--color-bg)');
+        opt.addEventListener('mouseleave', () => {
+            opt.style.background = opt.dataset.id === input.value ? 'var(--color-bg)' : '';
+        });
+    });
+})();
+</script>
--- a/src/Views/bank/show.php
+++ b/src/Views/bank/show.php
@ -3,6 +3,7 @@ use Steuerkram\View;
 use Steuerkram\Models\Setting;
 $h        = fn($v) => View::h($v);
 $fmt      = fn($v) => View::formatMoney($v);
+$kTextClr = fn(string $hex): string => (0.299*hexdec(substr($hex,1,2))+0.587*hexdec(substr($hex,3,2))+0.114*hexdec(substr($hex,5,2))) > 128 ? '#1e293b' : '#ffffff';

 $wert   = (float)$transaction['wert'];
 $isPlus = $wert >= 0;
@ -34,7 +35,13 @@ $restFormatted = number_format($remaining, 2, ',', '.');
        </div>
        <div style="flex:1;min-width:200px">
            <span class="text-muted text-sm">Buchungstext</span><br>
-            <span><?= $h($transaction['buchungstext']) ?></span>
+            <span style="display:inline-flex;align-items:baseline;gap:.4rem;flex-wrap:wrap">
+                <?php if (!empty($transaction['kuerzel'])): ?>
+                <?php $kf = $transaction['farbe'] ?? '#6366f1'; ?>
+                <span class="kuerzel-badge" style="background:<?= $h($kf) ?>;color:<?= $kTextClr($kf) ?>"><?= $h($transaction['kuerzel']) ?></span>
+                <?php endif; ?>
+                <?= $h($transaction['buchungstext']) ?>
+            </span>
        </div>
        <div>
            <span class="text-muted text-sm">Gesamt</span><br>
--- a/src/Views/bank/upload.php
+++ b/src/Views/bank/upload.php
@ -1,6 +1,6 @@
 <?php use Steuerkram\View; $h = fn($v) => View::h($v); ?>

-<div class="card" style="max-width:700px">
+<div class="card">
    <div class="card-body">
        <form method="post" action="/bank/upload" enctype="multipart/form-data" id="bank-upload-form">

@ -25,18 +25,83 @@
                <div id="bank-dnd-status" style="margin-top:.75rem;min-height:1.5rem;pointer-events:none"></div>
            </div>

-            <!-- Format-Auswahl -->
-            <div class="form-group">
-                <label for="format_id">Import-Format *</label>
-                <select id="format_id" name="format_id" required>
+            <!-- Format-Erkennung: Ergebnis-Bereich -->
+            <div id="fmt-result" style="display:none">
+
+                <!-- Auto-erkannt -->
+                <div id="fmt-matched" style="display:none;padding:.75rem 1rem;border-radius:var(--radius);background:#f0fdf4;border:1px solid #86efac;margin-bottom:1.25rem">
+                    <div style="font-weight:600;color:#15803d">Format erkannt</div>
+                    <div id="fmt-matched-name" style="color:#166534;margin-top:.2rem"></div>
+                </div>
+
+                <!-- Nicht eindeutig erkannt: Auswahl + Vorschau -->
+                <div id="fmt-picker" style="display:none">
+                    <div style="padding:.6rem .9rem;border-radius:var(--radius);background:#fffbeb;border:1px solid #fcd34d;margin-bottom:1.25rem;font-size:.875rem;color:#92400e">
+                        Das Format konnte nicht eindeutig erkannt werden. Bitte wählen Sie das passende Format:
+                    </div>
+
+                    <div class="form-group" style="margin-bottom:1.25rem">
+                        <label for="fmt-select">Import-Format</label>
+                        <select id="fmt-select" style="width:100%">
                            <?php foreach ($formats as $fmt): ?>
                                <option value="<?= (int)$fmt['id'] ?>"><?= $h($fmt['name']) ?></option>
                            <?php endforeach; ?>
                        </select>
-                <div class="form-hint">Format der hochgeladenen Datei</div>
                    </div>

-            <div style="display:flex;gap:.75rem;margin-top:1.5rem">
+                    <!-- Vorschau-Panel -->
+                    <div id="fmt-preview-panel" style="background:var(--color-surface);border:1px solid var(--color-border);border-radius:var(--radius);padding:1rem;margin-bottom:1.25rem">
+
+                        <div style="font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--color-muted);margin-bottom:.75rem">
+                            Datei-Vorschau
+                        </div>
+
+                        <!-- Überschriften-Zeile -->
+                        <div style="margin-bottom:.75rem">
+                            <div style="font-size:.8rem;color:var(--color-muted);margin-bottom:.3rem">Überschriften-Zeile</div>
+                            <div id="preview-header" style="font-size:.8rem;font-family:monospace;overflow-x:auto;white-space:nowrap;background:#f8fafc;padding:.4rem .6rem;border-radius:4px;border:1px solid var(--color-border)"></div>
+                        </div>
+
+                        <!-- Erste Werte-Zeile -->
+                        <div style="margin-bottom:1rem">
+                            <div style="font-size:.8rem;color:var(--color-muted);margin-bottom:.3rem">Erste Werte-Zeile</div>
+                            <div id="preview-firstrow" style="font-size:.8rem;font-family:monospace;overflow-x:auto;white-space:nowrap;background:#f8fafc;padding:.4rem .6rem;border-radius:4px;border:1px solid var(--color-border)"></div>
+                        </div>
+
+                        <!-- Import-Zuordnung -->
+                        <div style="font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:.05em;color:var(--color-muted);margin-bottom:.5rem">
+                            Importiert als
+                        </div>
+                        <table style="width:100%;border-collapse:collapse;font-size:.875rem">
+                            <tbody>
+                            <tr>
+                                <td style="padding:.3rem .4rem .3rem 0;width:130px;color:var(--color-muted)">Wertstellung</td>
+                                <td id="map-wertstellung" style="padding:.3rem 0;font-family:monospace"></td>
+                            </tr>
+                            <tr>
+                                <td style="padding:.3rem .4rem .3rem 0;color:var(--color-muted)">Buchungstext</td>
+                                <td id="map-buchungstext" style="padding:.3rem 0;font-family:monospace"></td>
+                            </tr>
+                            <tr>
+                                <td style="padding:.3rem .4rem .3rem 0;color:var(--color-muted)">Wert (€)</td>
+                                <td id="map-wert" style="padding:.3rem 0;font-family:monospace"></td>
+                            </tr>
+                            </tbody>
+                        </table>
+                    </div>
+                </div>
+
+            </div><!-- /fmt-result -->
+
+            <!-- Verstecktes Format-ID Feld -->
+            <input type="hidden" id="format_id" name="format_id" value="">
+
+            <!-- Erkennung läuft -->
+            <div id="fmt-detecting" style="display:none;color:var(--color-muted);font-size:.875rem;margin-bottom:1rem">
+                Format wird erkannt…
+            </div>
+
+            <div style="display:flex;gap:.75rem;margin-top:.5rem">
                <button type="submit" class="btn btn-primary" id="bank-upload-btn" disabled>Importieren</button>
                <a href="/bank" class="btn btn-secondary">Abbrechen</a>
            </div>
@ -50,24 +115,168 @@
    const input      = document.getElementById('bank-dnd-input');
    const status     = document.getElementById('bank-dnd-status');
    const btn        = document.getElementById('bank-upload-btn');
+    const fmtResult  = document.getElementById('fmt-result');
+    const fmtMatched = document.getElementById('fmt-matched');
+    const fmtPicker  = document.getElementById('fmt-picker');
+    const fmtDetect  = document.getElementById('fmt-detecting');
+    const fmtSelect  = document.getElementById('fmt-select');
+    const formatId   = document.getElementById('format_id');
+
+    let formatsData      = {};
+    let suggestedFormat  = null;

    function setActive(on) {
        zone.style.borderColor = on ? 'var(--color-primary)' : 'var(--color-border)';
        zone.style.background  = on ? '#eff6ff' : 'var(--color-surface)';
    }

+    function esc(str) {
+        return String(str ?? '').replace(/&/g,'&amp;').replace(/</g,'&lt;').replace(/>/g,'&gt;');
+    }
+
+    function renderHeaderRow(headerRow, firstData) {
+        if (!headerRow || headerRow.length === 0) {
+            if (!firstData || firstData.length === 0) return '<span style="color:var(--color-muted)">–</span>';
+            // Keine Überschriften – zeige Spaltenindizes
+            return firstData.map((_, i) => `<span style="opacity:.5">Sp.${i}</span>`).join(' <span style="color:var(--color-border)">|</span> ');
+        }
+        return headerRow.map((h, i) => `<span title="Spalte ${i}">${esc(h)}</span>`).join(' <span style="color:var(--color-border)">|</span> ');
+    }
+
+    function renderDataRow(firstData, header) {
+        if (!firstData || firstData.length === 0) return '<span style="color:var(--color-muted)">–</span>';
+        return firstData.map((v, i) => {
+            const lbl = header && header[i] ? `title="Spalte ${i}: ${esc(header[i])}"` : `title="Spalte ${i}"`;
+            return `<span ${lbl}>${esc(v)}</span>`;
+        }).join(' <span style="color:var(--color-border)">|</span> ');
+    }
+
+    function resolveTemplate(tpl, header, firstData) {
+        if (!tpl) return null;
+        return tpl.replace(/\{([^}]+)\}/g, (_, key) => {
+            const idx = header ? header.indexOf(key) : -1;
+            return idx >= 0 ? (firstData[idx] || '') : `{${key}}`;
+        });
+    }
+
+    function getMappedValue(fmt, header, firstData, col) {
+        const idx = parseInt(fmt[col], 10);
+        if (isNaN(idx) || !firstData || idx >= firstData.length) return '–';
+        return firstData[idx] || '–';
+    }
+
+    function updatePreview(fmtId) {
+        const data = formatsData[fmtId];
+        if (!data) return;
+
+        const fmt       = data.format;
+        const header    = data.header_row;
+        const firstData = data.first_data;
+
+        document.getElementById('preview-header').innerHTML   = renderHeaderRow(header, firstData);
+        document.getElementById('preview-firstrow').innerHTML = renderDataRow(firstData, header);
+
+        // Wertstellung
+        const wsIdx = parseInt(fmt.col_wertstellung, 10);
+        const wsVal = firstData && firstData[wsIdx] !== undefined ? firstData[wsIdx] : '–';
+        document.getElementById('map-wertstellung').textContent = `${wsVal}  (Spalte ${wsIdx})`;
+
+        // Buchungstext – Template bevorzugen
+        const wertVal = firstData && firstData[parseInt(fmt.col_wert, 10)] ? firstData[parseInt(fmt.col_wert, 10)] : '0';
+        const isDebit = parseFloat(wertVal.replace(',', '.').replace(/[^\d.\-]/g, '')) < 0;
+        const tpl = isDebit ? (fmt.buchungstext_template_debit || '') : (fmt.buchungstext_template_credit || '');
+        let btVal;
+        if (tpl) {
+            btVal = resolveTemplate(tpl, header, firstData);
+            document.getElementById('map-buchungstext').textContent = `${btVal}  (Template)`;
+        } else {
+            const btIdx = parseInt(fmt.col_buchungstext, 10);
+            btVal = firstData && firstData[btIdx] !== undefined ? firstData[btIdx] : '–';
+            document.getElementById('map-buchungstext').textContent = `${btVal}  (Spalte ${btIdx})`;
+        }
+
+        // Wert
+        const wIdx = parseInt(fmt.col_wert, 10);
+        const wVal = firstData && firstData[wIdx] !== undefined ? firstData[wIdx] : '–';
+        document.getElementById('map-wert').textContent = `${wVal}  (Spalte ${wIdx})`;
+    }
+
+    async function detectFormat(file) {
+        const fd = new FormData();
+        fd.append('bank_file', file);
+
+        fmtDetect.style.display = 'block';
+        fmtResult.style.display = 'none';
+        btn.disabled = true;
+
+        let json;
+        try {
+            const res = await fetch('/bank/detect-format', { method: 'POST', body: fd });
+            json = await res.json();
+        } catch (_) {
+            json = { error: 'Verbindungsfehler bei der Format-Erkennung.' };
+        }
+
+        fmtDetect.style.display = 'none';
+
+        if (json.error) {
+            status.innerHTML = `<span style="color:var(--color-danger)">${esc(json.error)}</span>`;
+            return;
+        }
+
+        formatsData     = json.formats_data || {};
+        suggestedFormat = json.suggested_format || null;
+        fmtResult.style.display = 'block';
+
+        if (json.matched_format_id !== null && json.matched_format_id !== undefined) {
+            // Format eindeutig erkannt
+            const matched = formatsData[json.matched_format_id];
+            const name    = matched ? matched.format.name : 'Unbekannt';
+            document.getElementById('fmt-matched-name').textContent = name;
+            formatId.value = json.matched_format_id;
+            fmtMatched.style.display = 'block';
+            fmtPicker.style.display  = 'none';
+            btn.disabled = false;
+        } else {
+            // Nicht eindeutig – Auswahl zeigen
+            fmtMatched.style.display = 'none';
+            fmtPicker.style.display  = 'block';
+
+            // Passendes Format vorauswählen (erstes mit is_match, sonst erstes)
+            let preselect = null;
+            for (const [id, d] of Object.entries(formatsData)) {
+                if (d.is_match) { preselect = id; break; }
+            }
+            if (!preselect && Object.keys(formatsData).length > 0) {
+                preselect = Object.keys(formatsData)[0];
+            }
+            if (preselect) {
+                fmtSelect.value = preselect;
+                formatId.value  = preselect;
+                updatePreview(preselect);
+            }
+            btn.disabled = false;
+        }
+    }
+
    function onFile(file) {
        if (!file) return;
        const ext = file.name.split('.').pop().toLowerCase();
        if (!['csv', 'txt', 'xlsx'].includes(ext)) {
            status.innerHTML = '<span style="color:var(--color-danger)">Nicht unterstütztes Format. Bitte CSV, TXT oder XLSX verwenden.</span>';
            btn.disabled = true;
+            fmtResult.style.display = 'none';
            return;
        }
-        status.innerHTML = '<span style="color:var(--color-success)">✓ ' + file.name + ' (' + (file.size / 1024).toFixed(1) + ' KB)</span>';
-        btn.disabled = false;
+        status.innerHTML = `<span style="color:var(--color-success)">✓ ${esc(file.name)} (${(file.size / 1024).toFixed(1)} KB)</span>`;
+        detectFormat(file);
    }

+    fmtSelect.addEventListener('change', () => {
+        formatId.value = fmtSelect.value;
+        updatePreview(fmtSelect.value);
+    });
+
    zone.addEventListener('dragover',  (e) => { e.preventDefault(); setActive(true); });
    zone.addEventListener('dragleave', (e) => { if (!zone.contains(e.relatedTarget)) setActive(false); });
    zone.addEventListener('drop', (e) => {
@ -75,7 +284,6 @@
        setActive(false);
        const file = e.dataTransfer.files[0];
        if (file) {
-            // DataTransfer-Datei in Input-Element spiegeln ist nicht möglich – Form-Submit via DataTransfer
            const dt = new DataTransfer();
            dt.items.add(file);
            input.files = dt.files;
@ -83,5 +291,21 @@
        }
    });
    input.addEventListener('change', () => onFile(input.files[0]));
+
+    // "Formate bearbeiten"-Link: Suggestion in Session speichern, dann navigieren
+    document.addEventListener('click', async (e) => {
+        const link = e.target.closest('a[href="/settings/bankimport"]');
+        if (!link || !suggestedFormat) return;
+
+        e.preventDefault();
+        try {
+            await fetch('/settings/bankimport/suggest', {
+                method:  'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body:    JSON.stringify(suggestedFormat),
+            });
+        } catch (_) {}
+        window.location.href = '/settings/bankimport';
+    });
 })();
 </script>
--- a/src/Views/belege/detail.php
+++ b/src/Views/belege/detail.php
@ -3,6 +3,7 @@ use Steuerkram\View;
 use Steuerkram\Models\Setting;
 $h        = fn($v) => View::h($v);
 $fmt      = fn($v) => View::formatMoney($v);
+$kTextClr = fn(string $hex): string => (0.299*hexdec(substr($hex,1,2))+0.587*hexdec(substr($hex,3,2))+0.114*hexdec(substr($hex,5,2))) > 128 ? '#1e293b' : '#ffffff';
 $testMode = Setting::isTestMode();
 $suppliers = $suppliers ?? [];
 ?>
@ -307,8 +308,14 @@ $suppliers = $suppliers ?? [];
                        <?php if ($lbt['vorgang']): ?>
                        <span class="text-sm text-muted"><?= $h($lbt['vorgang']) ?></span>
                        <?php endif; ?>
-                        <span class="text-sm" style="flex:1;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap"
+                        <span class="text-sm" style="flex:1;min-width:0;display:inline-flex;align-items:baseline;gap:.35rem;overflow:hidden">
+                            <?php if (!empty($lbt['kuerzel'])): ?>
+                            <?php $kf = $lbt['farbe'] ?? '#6366f1'; ?>
+                            <span class="kuerzel-badge" style="background:<?= $h($kf) ?>;color:<?= $kTextClr($kf) ?>"><?= $h($lbt['kuerzel']) ?></span>
+                            <?php endif; ?>
+                            <span style="overflow:hidden;text-overflow:ellipsis;white-space:nowrap"
                                  title="<?= $h($lbt['buchungstext']) ?>"><?= $h($lbt['buchungstext']) ?></span>
+                        </span>
                        <strong style="white-space:nowrap;color:<?= $lbwert >= 0 ? 'var(--color-success)' : 'var(--color-danger)' ?>">
                            <?= $lbwert >= 0 ? '+' : '' ?><?= number_format($lbwert, 2, ',', '.') ?> €
                            <?php if (!empty($lbt['alloc_betrag']) && (float)$lbt['alloc_betrag'] !== abs($lbwert)): ?>
@ -337,8 +344,14 @@ $suppliers = $suppliers ?? [];
                    <span class="badge badge-blue" style="font-size:.8rem">Bankbuchung</span>
                    <span class="td-mono text-sm"><?= View::formatDate($bankTx['wertstellung']) ?></span>
                    <span class="text-sm"><?= $h($bankTx['vorgang']) ?></span>
-                    <span class="text-sm" style="flex:1;min-width:0;overflow:hidden;text-overflow:ellipsis;white-space:nowrap"
+                    <span class="text-sm" style="flex:1;min-width:0;display:inline-flex;align-items:baseline;gap:.35rem;overflow:hidden">
+                        <?php if (!empty($bankTx['kuerzel'])): ?>
+                        <?php $kf = $bankTx['farbe'] ?? '#6366f1'; ?>
+                        <span class="kuerzel-badge" style="background:<?= $h($kf) ?>;color:<?= $kTextClr($kf) ?>"><?= $h($bankTx['kuerzel']) ?></span>
+                        <?php endif; ?>
+                        <span style="overflow:hidden;text-overflow:ellipsis;white-space:nowrap"
                              title="<?= $h($bankTx['buchungstext']) ?>"><?= $h($bankTx['buchungstext']) ?></span>
+                    </span>
                    <?php $bwert = (float)$bankTx['wert']; ?>
                    <strong style="color:<?= $bwert >= 0 ? 'var(--color-success)' : 'var(--color-danger)' ?>;white-space:nowrap">
                        <?= $bwert >= 0 ? '+' : '' ?><?= number_format($bwert, 2, ',', '.') ?> €
--- a/src/Views/dashboard.php
+++ b/src/Views/dashboard.php
@ -9,11 +9,21 @@ $fmt = fn($v) => View::formatMoney($v);
        <div class="stat-label">Umsatz <?= $h($stats['year']) ?></div>
        <div class="stat-value" style="color:var(--color-success)"><?= $fmt($stats['umsatz']) ?></div>
        <div class="stat-meta">Betriebseinnahmen (netto)</div>
+        <div class="stat-meta" style="font-size:.75rem;margin-top:.25rem;color:var(--color-muted)">
+            <?= $h($stats['vormonat_label']) ?>: <?= $fmt($stats['umsatz_vormonat']) ?>
+            &nbsp;·&nbsp;
+            <?= $h($stats['month_label']) ?>: <?= $fmt($stats['umsatz_monat']) ?>
+        </div>
    </div>
    <div class="stat-card">
        <div class="stat-label">Ausgaben <?= $h($stats['year']) ?></div>
        <div class="stat-value" style="color:var(--color-danger)"><?= $fmt($stats['ausgaben']) ?></div>
        <div class="stat-meta">Betriebsausgaben (netto)</div>
+        <div class="stat-meta" style="font-size:.75rem;margin-top:.25rem;color:var(--color-muted)">
+            <?= $h($stats['vormonat_label']) ?>: <?= $fmt($stats['ausgaben_vormonat']) ?>
+            &nbsp;·&nbsp;
+            <?= $h($stats['month_label']) ?>: <?= $fmt($stats['ausgaben_monat']) ?>
+        </div>
    </div>
    <div class="stat-card">
        <div class="stat-label">Gewinn / Verlust <?= $h($stats['year']) ?></div>
@ -21,6 +31,11 @@ $fmt = fn($v) => View::formatMoney($v);
            <?= $fmt($stats['gewinn']) ?>
        </div>
        <div class="stat-meta">EÜR-Ergebnis</div>
+        <div class="stat-meta" style="font-size:.75rem;margin-top:.25rem;color:var(--color-muted)">
+            <?= $h($stats['vormonat_label']) ?>: <span style="color:<?= $stats['gewinn_vormonat'] >= 0 ? 'var(--color-success)' : 'var(--color-danger)' ?>"><?= $fmt($stats['gewinn_vormonat']) ?></span>
+            &nbsp;·&nbsp;
+            <?= $h($stats['month_label']) ?>: <span style="color:<?= $stats['gewinn_monat'] >= 0 ? 'var(--color-success)' : 'var(--color-danger)' ?>"><?= $fmt($stats['gewinn_monat']) ?></span>
+        </div>
    </div>
    <div class="stat-card">
        <div class="stat-label">Offene Rechnungen</div>
--- a/src/Views/layout/nav.php
+++ b/src/Views/layout/nav.php
@ -93,6 +93,10 @@ function navActive(string $prefix, string $current): string {
                <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><path d="M4 6h16M4 10h16M4 14h8"/></svg>
                Kontenrahmen
            </a>
+            <a href="/settings/bankimport" class="<?= navActive('/settings/bankimport', $path) ?>" style="padding-left:2.25rem;font-size:.875rem">
+                <svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2"><rect x="2" y="5" width="20" height="14" rx="2"/><line x1="2" y1="10" x2="22" y2="10"/><line x1="6" y1="15" x2="10" y2="15"/></svg>
+                Bankimport
+            </a>
            <?php endif; ?>
        </nav>
    </div>
--- a/src/Views/settings/bankimport.php
+++ b/src/Views/settings/bankimport.php
@ -0,0 +1,784 @@
+<?php use Steuerkram\View; $h = fn($v) => View::h($v); ?>
+
+<?php
+$kTextClr = fn(string $hex): string => (0.299*hexdec(substr($hex,1,2))+0.587*hexdec(substr($hex,3,2))+0.114*hexdec(substr($hex,5,2))) > 128 ? '#1e293b' : '#ffffff';
+
+$dbLabels = [
+    'buchungstag'         => 'Buchungstag',
+    'wertstellung'        => 'Wertstellung',
+    'vorgang'             => 'Vorgang / Umsatztyp',
+    'buchungstext'        => 'Buchungstext',
+    'wert'                => 'Betrag',
+    'zahlungspflichtiger' => 'Zahlungspflichtiger',
+    'zahlungsempfaenger'  => 'Zahlungsempfänger',
+    'verwendungszweck'    => 'Verwendungszweck',
+];
+
+$knownHeaders = [
+    'Comdirect' => [0=>'Buchungstag',1=>'Wertstellung',2=>'Vorgang',3=>'Buchungstext',4=>'Betrag'],
+    'DKB Bank'  => [0=>'Buchungsdatum',1=>'Wertstellung',2=>'Status',3=>'Zahlungspflichtige*r',
+                    4=>'Zahlungsempfänger*in',5=>'Verwendungszweck',6=>'Umsatztyp',7=>'IBAN',
+                    8=>'Betrag (€)',9=>'Gläubiger-ID',10=>'Mandatsreferenz',11=>'Kundenreferenz'],
+];
+
+$dateFormatOptions = [
+    'd.m.Y' => '15.05.2026',
+    'd.m.y' => '15.05.26',
+    'Y-m-d' => '2026-05-15',
+    'd/m/Y' => '15/05/2026',
+    'm/d/Y' => '05/15/2026',
+    'Y.m.d' => '2026.05.15',
+    'd-m-Y' => '15-05-2026',
+];
+?>
+
+<?php if (!empty($errors ?? [])): ?>
+<div style="padding:.75rem 1rem;border-radius:var(--radius);background:#fee2e2;border:1px solid #fca5a5;margin-bottom:1rem;font-size:.875rem;color:#991b1b">
+    <?php foreach ($errors as $e): ?>
+        <div><?= $h($e) ?></div>
+    <?php endforeach; ?>
+</div>
+<?php endif; ?>
+
+<?php if (!empty($suggestion)): ?>
+<?php
+$sugHeader  = $suggestion['header']  ?? [];
+$sugMapping = $suggestion['mapping'] ?? [];
+
+$allMappingFields = [
+    'buchungstag'         => 'Buchungstag',
+    'wertstellung'        => 'Wertstellung',
+    'vorgang'             => 'Vorgang / Umsatztyp',
+    'wert'                => 'Betrag',
+    'zahlungspflichtiger' => 'Zahlungspflichtiger',
+    'zahlungsempfaenger'  => 'Zahlungsempfänger',
+    'verwendungszweck'    => 'Verwendungszweck',
+];
+?>
+<div class="card mb-2" id="suggestion-card" style="border:2px solid #6366f1">
+    <div class="card-header" style="background:#eef2ff;display:flex;align-items:center;gap:.75rem">
+        <div class="card-title" style="flex:1">Neues Format (automatischer Vorschlag)</div>
+        <span style="font-size:.75rem;font-weight:600;padding:.2rem .6rem;border-radius:9999px;background:#818cf8;color:#fff">Nicht gespeichert</span>
+    </div>
+    <div class="card-body">
+        <form method="post" action="/settings/bankimport/create">
+
+            <p style="font-size:.8rem;color:var(--color-muted);margin:0 0 1.25rem">
+                Das Programm hat die Headerzeile in der CSV gefunden und Spalten automatisch zugeordnet.
+                Bitte prüfe die Einstellungen und klicke auf <strong>Speichern</strong>, um das neue Format anzulegen.
+            </p>
+
+            <div class="bi-section-label">Format-Konfiguration</div>
+            <table class="bi-table" style="margin-bottom:1.5rem">
+                <tbody>
+                <tr>
+                    <td class="bi-label">Name</td>
+                    <td><input type="text" name="name" value="Neues Format" required maxlength="100" style="width:220px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius)"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Anzeige-Kürzel</td>
+                    <td><input type="text" name="kuerzel" value="NEU" required maxlength="10" style="width:80px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius)"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Übersprungene Zeilen</td>
+                    <td><input type="number" name="skip_rows" value="<?= (int)($suggestion['skip_rows'] ?? 0) ?>" min="0" max="99" style="width:70px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius)"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Headerzeile vorhanden</td>
+                    <td>
+                        <select name="has_header_row" style="padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius)">
+                            <option value="1" <?= ($suggestion['has_header_row'] ?? 1) ? 'selected' : '' ?>>Ja</option>
+                            <option value="0" <?= !($suggestion['has_header_row'] ?? 1) ? 'selected' : '' ?>>Nein</option>
+                        </select>
+                    </td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Trennzeichen</td>
+                    <td><input type="text" name="delimiter" value="<?= $h($suggestion['delimiter'] ?? ';') ?>" maxlength="1" required style="width:50px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius);font-family:monospace"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Anführungszeichen</td>
+                    <td><input type="text" name="enclosure" value="<?= $h($suggestion['enclosure'] ?? '"') ?>" maxlength="1" required style="width:50px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius);font-family:monospace"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Datumsformat</td>
+                    <td>
+                        <select name="date_format" style="padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius)">
+                            <?php foreach ($dateFormatOptions as $fmt => $example): ?>
+                                <option value="<?= $h($fmt) ?>"><?= $h($fmt) ?> → <?= $h($example) ?></option>
+                            <?php endforeach; ?>
+                        </select>
+                    </td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Dezimaltrennzeichen</td>
+                    <td><input type="text" name="decimal_separator" value="," maxlength="1" required style="width:50px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius);font-family:monospace"></td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Tausendertrennzeichen</td>
+                    <td><input type="text" name="thousands_separator" value="." maxlength="1" placeholder="(leer)" style="width:50px;padding:.3rem .5rem;border:1px solid var(--color-border);border-radius:var(--radius);font-family:monospace"></td>
+                </tr>
+                </tbody>
+            </table>
+
+            <?php
+            $sugFirstData = $suggestion['first_data'] ?? [];
+            if (!empty($sugHeader) || !empty($sugFirstData)):
+            ?>
+            <div class="bi-section-label">Erkannte Headerzeile</div>
+            <div style="font-size:.8rem;font-family:monospace;background:#f8fafc;padding:.4rem .6rem;border-radius:4px;border:1px solid var(--color-border);overflow-x:auto;white-space:nowrap;margin-bottom:.5rem">
+                <?php foreach ($sugHeader as $i => $col): ?>
+                    <span title="Spalte <?= $i ?>"><span style="opacity:.45"><?= $i ?>:</span><?= $h($col) ?></span><?php if ($i < count($sugHeader) - 1): ?> <span style="color:var(--color-border)">|</span> <?php endif; ?>
+                <?php endforeach; ?>
+            </div>
+            <?php if (!empty($sugFirstData)): ?>
+            <div style="font-size:.75rem;color:var(--color-muted);margin-bottom:.3rem">Erste Datenzeile</div>
+            <div style="font-size:.8rem;font-family:monospace;background:#f8fafc;padding:.4rem .6rem;border-radius:4px;border:1px solid var(--color-border);overflow-x:auto;white-space:nowrap;margin-bottom:1.5rem">
+                <?php foreach ($sugFirstData as $i => $val): ?>
+                    <span title="Spalte <?= $i ?><?= isset($sugHeader[$i]) ? ': ' . htmlspecialchars($sugHeader[$i]) : '' ?>"><span style="opacity:.45"><?= $i ?>:</span><?= $h($val) ?></span><?php if ($i < count($sugFirstData) - 1): ?> <span style="color:var(--color-border)">|</span> <?php endif; ?>
+                <?php endforeach; ?>
+            </div>
+            <?php endif; ?>
+            <?php endif; ?>
+
+            <div class="bi-section-label">Feld-Zuordnungen</div>
+            <table class="bi-table" style="margin-bottom:1.5rem">
+                <thead>
+                    <tr>
+                        <th class="bi-label">Datenbankfeld</th>
+                        <th style="width:100px">Spalte (0-basiert)</th>
+                        <th style="color:var(--color-muted);font-weight:500">Erkannte CSV-Überschrift</th>
+                    </tr>
+                </thead>
+                <tbody>
+                <?php foreach ($allMappingFields as $field => $label):
+                    $colKey    = 'col_' . $field;
+                    $colIdx    = $sugMapping[$colKey] ?? null;
+                    $headerVal = ($colIdx !== null && isset($sugHeader[$colIdx])) ? $sugHeader[$colIdx] : '';
+                    $isNullInt = in_array($field, ['zahlungspflichtiger', 'zahlungsempfaenger', 'verwendungszweck'], true);
+                ?>
+                <tr>
+                    <td class="bi-label"><?= $h($label) ?></td>
+                    <td>
+                        <input type="number" name="col_<?= $h($field) ?>"
+                               value="<?= $colIdx !== null ? $colIdx : '' ?>"
+                               min="0" max="99"
+                               <?= $isNullInt ? '' : 'required' ?>
+                               style="width:65px;padding:.25rem .4rem;border:1px solid var(--color-border);border-radius:var(--radius);font-family:monospace">
+                    </td>
+                    <td style="color:var(--color-muted);font-size:.875rem">
+                        <?php if ($headerVal !== ''): ?>
+                            <?= $h($headerVal) ?>
+                            <?php if ($colIdx !== null): ?>
+                                <span style="opacity:.5;font-size:.75rem"> (Sp.<?= $colIdx ?>)</span>
+                            <?php endif; ?>
+                        <?php else: ?>
+                            <span style="font-style:italic">–</span>
+                        <?php endif; ?>
+                    </td>
+                </tr>
+                <?php if ($field === 'vorgang'): ?>
+                <tr>
+                    <td class="bi-label">Buchungstext <small style="font-weight:400">(Betrag &lt; 0)</small></td>
+                    <td colspan="2" style="padding-right:0">
+                        <input type="text" name="buchungstext_template_debit" value=""
+                               maxlength="500" placeholder="z.B. {Zahlungsempfänger} · {Verwendungszweck}"
+                               style="width:100%;box-sizing:border-box;padding:.25rem .4rem;border:1px solid var(--color-border);border-radius:var(--radius)">
+                    </td>
+                </tr>
+                <tr>
+                    <td class="bi-label">Buchungstext <small style="font-weight:400">(Betrag &gt; 0)</small></td>
+                    <td colspan="2" style="padding-right:0">
+                        <input type="text" name="buchungstext_template_credit" value=""
+                               maxlength="500" placeholder="z.B. {Zahlungspflichtiger} · {Verwendungszweck}"
+                               style="width:100%;box-sizing:border-box;padding:.25rem .4rem;border:1px solid var(--color-border);border-radius:var(--radius)">
+                    </td>
+                </tr>
+                <?php endif; ?>
+                <?php endforeach; ?>
+                <tr>
+                    <td colspan="3" style="padding:.4rem 0 0;font-size:.78rem;color:var(--color-muted)">
+                        Platzhalter <code>{CSV-Überschrift}</code> werden durch den Wert der jeweiligen Spalte ersetzt.
+                        Optional: Zahlungspflichtiger, Zahlungsempfänger, Verwendungszweck (für Templates).
+                    </td>
+                </tr>
+                </tbody>
+            </table>
+
+            <div style="display:flex;gap:.75rem">
+                <button type="submit" class="btn btn-primary">Speichern</button>
+                <button type="button" id="suggestion-dismiss" class="btn btn-secondary">Verwerfen</button>
+            </div>
+
+        </form>
+    </div>
+</div>
+<?php endif; ?>
+
+<?php if (empty($formats)): ?>
+<div class="card">
+    <div class="card-body" style="color:var(--color-muted)">Keine Importformate in der Datenbank vorhanden.</div>
+</div>
+<?php else: ?>
+
+<p style="font-size:.875rem;color:var(--color-muted);margin:0 0 1rem">
+    Klick auf einen Wert zum Bearbeiten — Enter oder Klick außerhalb speichert, Escape bricht ab.
+</p>
+
+<?php foreach ($formats as $fmt): ?>
+<?php
+$fmtId = (int)$fmt['id'];
+$hdrs  = $knownHeaders[$fmt['name']] ?? [];
+
+$mappingRowsBefore = [
+    ['buchungstag',  $fmt['col_buchungstag'],  'int'],
+    ['wertstellung', $fmt['col_wertstellung'], 'int'],
+    ['vorgang',      $fmt['col_vorgang'],      'int'],
+];
+$mappingRowsAfter = [
+    ['wert', $fmt['col_wert'], 'int'],
+];
+?>
+<div class="card mb-2" id="format-<?= $fmtId ?>" data-format-id="<?= $fmtId ?>">
+    <div class="card-header" style="display:flex;align-items:center;gap:.75rem">
+        <div class="card-title" style="flex:1">
+            <span class="bi-cell" data-field="name" data-type="text" data-value="<?= $h($fmt['name']) ?>"><?= $h($fmt['name']) ?></span>
+        </div>
+        <button type="button" class="btn btn-danger btn-sm bi-delete-format" data-format-id="<?= $fmtId ?>" data-format-name="<?= $h($fmt['name']) ?>">Löschen</button>
+    </div>
+    <div class="card-body">
+
+        <div class="bi-section-label">Format-Konfiguration</div>
+        <table class="bi-table" style="margin-bottom:1.5rem">
+            <tbody>
+            <tr>
+                <td class="bi-label">Anzeige-Kürzel</td>
+                <td>
+                    <?php $farbe = $fmt['farbe'] ?? '#6366f1'; ?>
+                    <div style="display:inline-flex;align-items:center;gap:.5rem">
+                        <span class="kuerzel-badge bi-kuerzel-preview"
+                              style="background:<?= $h($farbe) ?>;color:<?= $kTextClr($farbe) ?>"><?= $h($fmt['kuerzel'] ?? '') ?></span>
+                        <span class="bi-cell" data-field="kuerzel" data-type="text"
+                              data-value="<?= $h($fmt['kuerzel'] ?? '') ?>"><?= $h($fmt['kuerzel'] ?? '') ?></span>
+                        <input type="color" class="bi-color" data-field="farbe"
+                               value="<?= $h($farbe) ?>"
+                               title="Tag-Farbe anpassen"
+                               style="width:28px;height:28px;padding:2px;border:1px solid var(--color-border);border-radius:4px;cursor:pointer;background:none;vertical-align:middle">
+                    </div>
+                </td>
+            </tr>
+            <tr>
+                <td class="bi-label">Übersprungene Zeilen</td>
+                <td><span class="bi-cell" data-field="skip_rows" data-type="number" data-min="0" data-max="99" data-value="<?= (int)$fmt['skip_rows'] ?>"><?= (int)$fmt['skip_rows'] ?></span></td>
+            </tr>
+            <tr>
+                <td class="bi-label">Headerzeile vorhanden</td>
+                <td>
+                    <label class="bi-checkbox-label">
+                        <input type="checkbox" class="bi-checkbox" data-field="has_header_row"
+                               <?= $fmt['has_header_row'] ? 'checked' : '' ?>>
+                        <span class="bi-checkbox-text"><?= $fmt['has_header_row'] ? 'Ja' : 'Nein' ?></span>
+                    </label>
+                </td>
+            </tr>
+            <tr>
+                <td class="bi-label">Trennzeichen</td>
+                <td><span class="bi-cell" data-field="delimiter" data-type="char" data-value="<?= $h($fmt['delimiter']) ?>"><code><?= $h($fmt['delimiter']) ?></code></span></td>
+            </tr>
+            <tr>
+                <td class="bi-label">Anführungszeichen</td>
+                <td><span class="bi-cell" data-field="enclosure" data-type="char" data-value="<?= $h($fmt['enclosure']) ?>"><code><?= $h($fmt['enclosure']) ?></code></span></td>
+            </tr>
+            <tr>
+                <td class="bi-label">Datumsformat</td>
+                <td>
+                    <span class="bi-cell" data-field="date_format" data-type="dateformat" data-value="<?= $h($fmt['date_format']) ?>">
+                        <code><?= $h($fmt['date_format']) ?></code>
+                        <span style="color:var(--color-muted);margin-left:.4rem">→ <?= $h($dateFormatOptions[$fmt['date_format']] ?? '?') ?></span>
+                    </span>
+                </td>
+            </tr>
+            <tr>
+                <td class="bi-label">Dezimaltrennzeichen</td>
+                <td><span class="bi-cell" data-field="decimal_separator" data-type="char" data-value="<?= $h($fmt['decimal_separator']) ?>"><code><?= $h($fmt['decimal_separator']) ?></code></span></td>
+            </tr>
+            <tr>
+                <td class="bi-label">Tausendertrennzeichen</td>
+                <td><span class="bi-cell" data-field="thousands_separator" data-type="char0" data-value="<?= $h($fmt['thousands_separator']) ?>">
+                    <?php if ($fmt['thousands_separator'] !== ''): ?>
+                        <code><?= $h($fmt['thousands_separator']) ?></code>
+                    <?php else: ?>
+                        <span style="color:var(--color-muted);font-style:italic">keines</span>
+                    <?php endif; ?>
+                </span></td>
+            </tr>
+            </tbody>
+        </table>
+
+        <div class="bi-section-label">Feld-Zuordnungen</div>
+        <table class="bi-table">
+            <thead>
+                <tr>
+                    <th class="bi-label">Datenbankfeld</th>
+                    <th style="width:100px">Spalte (0-basiert)</th>
+                    <th style="color:var(--color-muted);font-weight:500">CSV-Überschrift</th>
+                </tr>
+            </thead>
+            <tbody>
+            <?php
+            $renderMappingRow = function (string $field, mixed $colIdx, string $colType) use ($h, $hdrs, $dbLabels): void {
+                $colVal = $colIdx !== null ? (int)$colIdx : null;
+            ?>
+            <tr>
+                <td class="bi-label"><?= $h($dbLabels[$field] ?? $field) ?></td>
+                <td>
+                    <span class="bi-cell"
+                          data-field="col_<?= $h($field) ?>"
+                          data-type="<?= $colType === 'nullint' ? 'nullint' : 'number' ?>"
+                          data-min="0" data-max="99"
+                          data-value="<?= $colVal !== null ? $colVal : '' ?>">
+                        <?php if ($colVal !== null): ?>
+                            <code><?= $colVal ?></code>
+                        <?php else: ?>
+                            <span style="color:var(--color-muted);font-style:italic">–</span>
+                        <?php endif; ?>
+                    </span>
+                </td>
+                <td style="color:var(--color-muted);font-size:.875rem">
+                    <?php if ($colVal !== null && isset($hdrs[$colVal])): ?>
+                        <?= $h($hdrs[$colVal]) ?>
+                    <?php else: ?>
+                        <span style="font-style:italic">–</span>
+                    <?php endif; ?>
+                </td>
+            </tr>
+            <?php }; ?>
+
+            <?php foreach ($mappingRowsBefore as [$field, $colIdx, $colType]): ?>
+                <?php $renderMappingRow($field, $colIdx, $colType); ?>
+            <?php endforeach; ?>
+
+            <?php
+            // Buchungstext-Template-Zeilen (immer)
+            foreach ([
+                ['buchungstext_template_debit',  'Buchungstext <small style="font-weight:400">(Betrag &lt; 0)</small>', $fmt['buchungstext_template_debit']  ?? ''],
+                ['buchungstext_template_credit', 'Buchungstext <small style="font-weight:400">(Betrag ≥ 0)</small>',   $fmt['buchungstext_template_credit'] ?? ''],
+            ] as [$tplField, $tplLabel, $tplValue]):
+            ?>
+            <tr>
+                <td class="bi-label"><?= $tplLabel ?></td>
+                <td colspan="2" style="padding-right:0">
+                    <span class="bi-cell bi-cell--wide" data-field="<?= $h($tplField) ?>" data-type="template"
+                          data-value="<?= $h($tplValue) ?>">
+                        <?php if ($tplValue !== ''): ?>
+                            <code style="word-break:break-all"><?= $h($tplValue) ?></code>
+                        <?php else: ?>
+                            <span style="color:var(--color-muted);font-style:italic">nicht gesetzt</span>
+                        <?php endif; ?>
+                    </span>
+                </td>
+            </tr>
+            <?php endforeach; ?>
+
+            <?php foreach ($mappingRowsAfter as [$field, $colIdx, $colType]): ?>
+                <?php $renderMappingRow($field, $colIdx, $colType); ?>
+            <?php endforeach; ?>
+
+            <tr>
+                <td colspan="3" style="padding:.4rem 0 0;font-size:.78rem;color:var(--color-muted)">
+                    Platzhalter <code>{CSV-Überschrift}</code> werden durch den Wert der jeweiligen Spalte ersetzt.
+                </td>
+            </tr>
+            </tbody>
+        </table>
+
+    </div>
+</div>
+<?php endforeach; ?>
+<?php endif; ?>
+
+<style>
+.bi-section-label {
+    font-size: .8rem;
+    font-weight: 600;
+    text-transform: uppercase;
+    letter-spacing: .05em;
+    color: var(--color-muted);
+    margin-bottom: .4rem;
+}
+.bi-table {
+    width: 100%;
+    border-collapse: collapse;
+    font-size: .875rem;
+}
+.bi-table th,
+.bi-table td {
+    padding: .35rem .6rem .35rem 0;
+    border-bottom: 1px solid var(--color-border);
+    vertical-align: middle;
+}
+.bi-table thead th { color: var(--color-muted); font-weight: 500; }
+.bi-table tbody tr:last-child td { border-bottom: none; }
+.bi-label { color: var(--color-text); width: 38%; }
+
+.bi-cell {
+    display: inline-flex;
+    align-items: center;
+    gap: .3rem;
+    padding: .15rem .3rem;
+    border-radius: var(--radius);
+    cursor: pointer;
+    border: 1px solid transparent;
+    transition: border-color .15s, background .15s;
+    min-height: 1.6rem;
+    min-width: 2rem;
+}
+.bi-cell:hover {
+    background: var(--color-bg);
+    border-color: var(--color-border);
+}
+.bi-cell::after {
+    content: '✎';
+    font-size: .7rem;
+    color: var(--color-muted);
+    opacity: 0;
+    transition: opacity .15s;
+    flex-shrink: 0;
+}
+.bi-cell:hover::after { opacity: 1; }
+
+.bi-cell input,
+.bi-cell select {
+    font-size: inherit;
+    font-family: inherit;
+    padding: 2px 5px;
+    border: 1px solid var(--color-primary);
+    border-radius: var(--radius);
+    background: #fff;
+    outline: none;
+}
+.bi-cell input[type="number"] { width: 70px; }
+.bi-cell input[type="text"]   { width: 60px; }
+.bi-cell select               { width: auto; min-width: 180px; }
+
+.bi-cell--saving { opacity: .5; pointer-events: none; }
+.bi-cell--error  { border-color: var(--color-danger) !important; background: #fee2e2 !important; }
+.bi-cell--wide   { display: flex; width: 100%; box-sizing: border-box; }
+
+.bi-checkbox-label {
+    display: inline-flex;
+    align-items: center;
+    gap: .4rem;
+    cursor: pointer;
+    padding: .15rem .3rem;
+    border-radius: var(--radius);
+    border: 1px solid transparent;
+    transition: border-color .15s, background .15s;
+    user-select: none;
+}
+.bi-checkbox-label:hover {
+    background: var(--color-bg);
+    border-color: var(--color-border);
+}
+.bi-checkbox { cursor: pointer; }
+.bi-error-msg {
+    font-size: .8rem;
+    color: var(--color-danger);
+    margin-top: .2rem;
+    display: block;
+}
+</style>
+
+<script>
+(function () {
+    const DATE_FORMAT_OPTIONS = <?= json_encode($dateFormatOptions) ?>;
+
+    function badgeTextColor(hex) {
+        const r = parseInt(hex.slice(1,3),16);
+        const g = parseInt(hex.slice(3,5),16);
+        const b = parseInt(hex.slice(5,7),16);
+        return (0.299*r + 0.587*g + 0.114*b) > 128 ? '#1e293b' : '#ffffff';
+    }
+
+    function updatePreview(colorInput, hex) {
+        const preview = colorInput.closest('div')?.querySelector('.bi-kuerzel-preview');
+        if (!preview) return;
+        preview.style.background = hex;
+        preview.style.color = badgeTextColor(hex);
+    }
+
+    // ── Hilfsfunktionen ──────────────────────────────────────────────
+
+    function getFormatId(cell) {
+        return cell.closest('[data-format-id]')?.dataset.formatId;
+    }
+
+    function showError(cell, msg) {
+        cell.classList.add('bi-cell--error');
+        let err = cell.parentElement.querySelector('.bi-error-msg');
+        if (!err) { err = document.createElement('span'); err.className = 'bi-error-msg'; cell.after(err); }
+        err.textContent = msg;
+        setTimeout(() => { cell.classList.remove('bi-cell--error'); err.remove(); }, 3000);
+    }
+
+    async function saveField(formatId, field, value) {
+        const body = new URLSearchParams({ field, value: value ?? '' });
+        const res  = await fetch(`/settings/bankimport/${formatId}/field`, {
+            method:  'POST',
+            headers: { 'X-Requested-With': 'XMLHttpRequest', 'Content-Type': 'application/x-www-form-urlencoded' },
+            body:    body.toString(),
+        });
+        return res.json();
+    }
+
+    function displayForCell(type, value, field) {
+        if (type === 'number' || type === 'nullint') {
+            if (value === '' || value === null || value === undefined) {
+                return '<span style="color:var(--color-muted);font-style:italic">–</span>';
+            }
+            return `<code>${value}</code>`;
+        }
+        if (type === 'char' || type === 'char0') {
+            if (value === '') return '<span style="color:var(--color-muted);font-style:italic">keines</span>';
+            return `<code>${value.replace(/&/g,'&amp;').replace(/</g,'&lt;').replace(/>/g,'&gt;')}</code>`;
+        }
+        if (type === 'dateformat') {
+            const example = DATE_FORMAT_OPTIONS[value] || '?';
+            return `<code>${value}</code><span style="color:var(--color-muted);margin-left:.4rem">→ ${example}</span>`;
+        }
+        if (type === 'template') {
+            if (!value) return '<span style="color:var(--color-muted);font-style:italic">nicht gesetzt</span>';
+            const esc = value.replace(/&/g,'&amp;').replace(/</g,'&lt;').replace(/>/g,'&gt;');
+            return `<code style="word-break:break-all">${esc}</code>`;
+        }
+        if (type === 'text') {
+            return value.replace(/&/g,'&amp;').replace(/</g,'&lt;').replace(/>/g,'&gt;');
+        }
+        return value;
+    }
+
+    // ── Klick-Handler für .bi-cell ───────────────────────────────────
+    document.addEventListener('click', (e) => {
+        const cell = e.target.closest('.bi-cell');
+        if (!cell || cell.querySelector('input,select')) return;
+
+        const field    = cell.dataset.field;
+        const type     = cell.dataset.type;
+        const rawValue = cell.dataset.value ?? '';
+        const formatId = getFormatId(cell);
+        if (!formatId) return;
+
+        const originalHTML = cell.innerHTML;
+        cell.innerHTML     = '';
+        cell.classList.remove('bi-cell--error');
+
+        let el;
+
+        if (type === 'number' || type === 'nullint') {
+            el        = document.createElement('input');
+            el.type   = 'number';
+            el.min    = cell.dataset.min ?? '0';
+            el.max    = cell.dataset.max ?? '99';
+            el.value  = rawValue;
+        } else if (type === 'char') {
+            el           = document.createElement('input');
+            el.type      = 'text';
+            el.maxLength = 1;
+            el.value     = rawValue;
+        } else if (type === 'char0') {
+            el           = document.createElement('input');
+            el.type      = 'text';
+            el.maxLength = 1;
+            el.value     = rawValue;
+            el.placeholder = '(leer)';
+            el.style.width = '70px';
+        } else if (type === 'dateformat') {
+            el = document.createElement('select');
+            for (const [fmt, example] of Object.entries(DATE_FORMAT_OPTIONS)) {
+                const opt     = document.createElement('option');
+                opt.value     = fmt;
+                opt.textContent = `${fmt}  →  ${example}`;
+                if (fmt === rawValue) opt.selected = true;
+                el.appendChild(opt);
+            }
+        } else if (type === 'template') {
+            el = document.createElement('input');
+            el.type  = 'text';
+            el.value = rawValue;
+            el.style.width  = '100%';
+            el.style.boxSizing = 'border-box';
+        } else {
+            el       = document.createElement('input');
+            el.type  = 'text';
+            el.value = rawValue;
+            el.style.width = '180px';
+        }
+
+        cell.appendChild(el);
+        el.focus();
+        if (el.tagName === 'INPUT' && el.type === 'text') el.select();
+
+        let done = false;
+
+        async function commit() {
+            if (done) return;
+            done = true;
+
+            const newVal = el.tagName === 'SELECT' ? el.value : el.value;
+            cell.classList.add('bi-cell--saving');
+            cell.innerHTML = '';
+
+            let json;
+            try {
+                json = await saveField(formatId, field, newVal);
+            } catch (_) {
+                json = { error: 'Verbindungsfehler.' };
+            }
+
+            cell.classList.remove('bi-cell--saving');
+
+            if (json.error) {
+                cell.innerHTML = originalHTML;
+                showError(cell, json.error);
+                return;
+            }
+
+            cell.dataset.value = newVal;
+            cell.innerHTML     = displayForCell(type, newVal, field);
+
+            // Formatname im Card-Header synchronisieren
+            if (field === 'name') {
+                const title = cell.closest('.card')?.querySelector('.card-title');
+                if (title) title.dataset.value = newVal;
+            }
+            // Kürzel-Vorschau-Badge aktualisieren
+            if (field === 'kuerzel') {
+                const preview = cell.closest('div')?.querySelector('.bi-kuerzel-preview');
+                if (preview) preview.textContent = newVal;
+            }
+        }
+
+        function cancel() {
+            if (done) return;
+            done           = true;
+            cell.innerHTML = originalHTML;
+        }
+
+        if (el.tagName === 'SELECT') {
+            el.addEventListener('change', commit);
+            el.addEventListener('keydown', (ev) => { if (ev.key === 'Escape') { ev.stopPropagation(); cancel(); } });
+            el.addEventListener('blur', () => { if (!done) commit(); });
+        } else {
+            el.addEventListener('blur', commit);
+            el.addEventListener('keydown', (ev) => {
+                if (ev.key === 'Enter')  { ev.preventDefault(); el.blur(); }
+                if (ev.key === 'Escape') { ev.preventDefault(); cancel(); }
+            });
+        }
+    });
+
+    // ── Colorpicker für farbe ────────────────────────────────────────
+    document.addEventListener('input', (e) => {
+        const ci = e.target.closest('.bi-color');
+        if (ci) updatePreview(ci, ci.value);
+    });
+
+    document.addEventListener('change', async (e) => {
+        const ci = e.target.closest('.bi-color');
+        if (!ci) return;
+
+        const formatId = getFormatId(ci);
+        const field    = ci.dataset.field;
+        const value    = ci.value;
+        ci.disabled    = true;
+
+        let json;
+        try { json = await saveField(formatId, field, value); }
+        catch (_) { json = { error: 'Verbindungsfehler.' }; }
+
+        ci.disabled = false;
+
+        if (json.error) {
+            showError(ci, json.error);
+        } else {
+            updatePreview(ci, value);
+        }
+    });
+
+    // ── Format löschen ──────────────────────────────────────────────
+    document.addEventListener('click', async (e) => {
+        const btn = e.target.closest('.bi-delete-format');
+        if (!btn) return;
+
+        const formatId   = btn.dataset.formatId;
+        const formatName = btn.dataset.formatName;
+
+        if (!confirm(`Format „${formatName}" wirklich löschen?`)) return;
+
+        btn.disabled = true;
+
+        let json;
+        try {
+            const res = await fetch(`/settings/bankimport/${formatId}/delete`, { method: 'POST' });
+            json = await res.json();
+        } catch (_) {
+            json = { error: 'Verbindungsfehler.' };
+        }
+
+        if (json.error) {
+            alert(json.error);
+            btn.disabled = false;
+            return;
+        }
+
+        btn.closest('.card').remove();
+    });
+
+    // ── Vorschlags-Card verwerfen ────────────────────────────────────
+    const dismissBtn = document.getElementById('suggestion-dismiss');
+    if (dismissBtn) {
+        dismissBtn.addEventListener('click', async () => {
+            dismissBtn.disabled = true;
+            try {
+                await fetch('/settings/bankimport/dismiss-suggestion', { method: 'POST' });
+            } catch (_) {}
+            const card = document.getElementById('suggestion-card');
+            if (card) card.remove();
+        });
+    }
+
+    // ── Checkboxen für has_header_row ────────────────────────────────
+    document.addEventListener('change', async (e) => {
+        const cb = e.target.closest('.bi-checkbox');
+        if (!cb) return;
+
+        const label    = cb.closest('.bi-checkbox-label');
+        const textSpan = label?.querySelector('.bi-checkbox-text');
+        const field    = cb.dataset.field;
+        const formatId = getFormatId(cb);
+        if (!formatId) return;
+
+        const newVal = cb.checked ? '1' : '0';
+        cb.disabled  = true;
+
+        let json;
+        try {
+            json = await saveField(formatId, field, newVal);
+        } catch (_) {
+            json = { error: 'Verbindungsfehler.' };
+        }
+
+        cb.disabled = false;
+
+        if (json.error) {
+            cb.checked = !cb.checked; // Revert
+            if (textSpan) textSpan.textContent = cb.checked ? 'Ja' : 'Nein';
+            alert(json.error);
+            return;
+        }
+
+        if (textSpan) textSpan.textContent = cb.checked ? 'Ja' : 'Nein';
+    });
+
+})();
+</script>
--- a/src/version.txt
+++ b/src/version.txt
@ -1 +1 @@
-1-260516
+1-260517
--- a/tests/34_BankImportDkbTest.php
+++ b/tests/34_BankImportDkbTest.php
@ -0,0 +1,145 @@
+<?php
+
+declare(strict_types=1);
+
+/**
+ * Test 34: BankImportParser – DKB-Format mit Template-basiertem Buchungstext.
+ */
+class BankImportDkbTest extends TestCase
+{
+    protected string $testName = 'Test 34: BankImportParser – DKB-Format (Template)';
+
+    private function makeTempCsv(string $content): string
+    {
+        $path = sys_get_temp_dir() . '/test34_' . uniqid() . '.csv';
+        file_put_contents($path, $content);
+        return $path;
+    }
+
+    private function dkbFormat(): array
+    {
+        return [
+            'skip_rows'                       => 4,
+            'has_header_row'                  => 1,
+            'delimiter'                       => ';',
+            'enclosure'                       => '"',
+            'col_buchungstag'                 => 0,
+            'col_wertstellung'                => 1,
+            'col_vorgang'                     => 6,
+            'col_buchungstext'                => 5,
+            'col_wert'                        => 8,
+            'buchungstext_template_debit'     => 'Auftraggeber: {Zahlungsempfänger*in} Buchungstext: {Verwendungszweck}',
+            'buchungstext_template_credit'    => 'Auftraggeber: {Zahlungspflichtige*r} Buchungstext: {Verwendungszweck}',
+            'date_format'                     => 'd.m.Y',
+            'decimal_separator'               => ',',
+            'thousands_separator'             => '.',
+        ];
+    }
+
+    private function dkbHeader(): string
+    {
+        return '"Buchungsdatum";"Wertstellung";"Status";"Zahlungspflichtige*r";'
+             . '"Zahlungsempfänger*in";"Verwendungszweck";"Umsatztyp";"IBAN";"Betrag (€)";'
+             . '"Gläubiger-ID";"Mandatsreferenz";"Kundenreferenz"';
+    }
+
+    public function run(): void
+    {
+        $parser = new \Steuerkram\Services\BankImportParser();
+        $fmt    = $this->dkbFormat();
+
+        // ── Negativer Betrag: Zahlungsempfänger*in im Buchungstext ───────
+        $csv = "Skip1\nSkip2\nSkip3\nSkip4\n"
+             . $this->dkbHeader() . "\n"
+             . '"15.05.2026";"15.05.2026";"Gebucht";"Max Muster";"Amazon GmbH";"Abo Monatsbeitrag";"Lastschrift";"DE123";"- 9,99";"GL01";"MR01";"KR01"' . "\n";
+
+        $tmp  = $this->makeTempCsv($csv);
+        $rows = $parser->parse($tmp, 'csv', $fmt);
+        unlink($tmp);
+
+        $this->assertEquals(1, count($rows), 'DKB negativer Betrag: 1 Buchung geparst');
+        $this->assertEquals('2026-05-15', $rows[0]['buchungstag'],  'Buchungstag korrekt');
+        $this->assertEquals('2026-05-15', $rows[0]['wertstellung'], 'Wertstellung korrekt');
+        $this->assertEquals('Lastschrift', $rows[0]['vorgang'],     'Umsatztyp als vorgang');
+        $this->assertEquals(-9.99, $rows[0]['wert'],                'Betrag -9,99 korrekt');
+        $this->assertEquals(
+            'Auftraggeber: Amazon GmbH Buchungstext: Abo Monatsbeitrag',
+            $rows[0]['buchungstext'],
+            'Negativer Betrag: Template debit mit Zahlungsempfänger*in'
+        );
+
+        // ── Positiver Betrag: Zahlungspflichtige*r im Buchungstext ───────
+        $csv2 = "Skip1\nSkip2\nSkip3\nSkip4\n"
+              . $this->dkbHeader() . "\n"
+              . '"14.05.2026";"14.05.2026";"Gebucht";"Kunde AG";"Eigenkonto";"Rechnung 2026-042";"Gutschrift";"DE456";"1.500,00";"";"";"KR02"' . "\n";
+
+        $tmp2  = $this->makeTempCsv($csv2);
+        $rows2 = $parser->parse($tmp2, 'csv', $fmt);
+        unlink($tmp2);
+
+        $this->assertEquals(1, count($rows2), 'DKB positiver Betrag: 1 Buchung geparst');
+        $this->assertEquals(1500.00, $rows2[0]['wert'], 'Betrag 1.500,00 korrekt');
+        $this->assertEquals(
+            'Auftraggeber: Kunde AG Buchungstext: Rechnung 2026-042',
+            $rows2[0]['buchungstext'],
+            'Positiver Betrag: Template credit mit Zahlungspflichtige*r'
+        );
+
+        // ── Betrag 0: credit-Template (>= 0) ────────────────────────────
+        $csv3 = "Skip1\nSkip2\nSkip3\nSkip4\n"
+              . $this->dkbHeader() . "\n"
+              . '"13.05.2026";"13.05.2026";"Gebucht";"Nullbetrag GmbH";"Gegenkonto";"Storno";"Umbuchung";"DE789";"0,00";"";"";"KR03"' . "\n";
+
+        $tmp3  = $this->makeTempCsv($csv3);
+        $rows3 = $parser->parse($tmp3, 'csv', $fmt);
+        unlink($tmp3);
+
+        $this->assertEquals(1, count($rows3), 'DKB Betrag 0: 1 Buchung geparst');
+        $this->assertEquals(
+            'Auftraggeber: Nullbetrag GmbH Buchungstext: Storno',
+            $rows3[0]['buchungstext'],
+            'Betrag 0: credit-Template genutzt'
+        );
+
+        // ── Unbekannte Placeholder werden als leer aufgelöst ─────────────
+        $fmtUnknown = $fmt;
+        $fmtUnknown['buchungstext_template_debit'] = 'Test: {NichtVorhanden} Ende';
+        $csv5 = "Skip1\nSkip2\nSkip3\nSkip4\n"
+              . $this->dkbHeader() . "\n"
+              . '"12.05.2026";"12.05.2026";"Gebucht";"A";"B";"C";"Lastschrift";"DE";"- 1,00";"";"";"KR05"' . "\n";
+
+        $tmp5  = $this->makeTempCsv($csv5);
+        $rows5 = $parser->parse($tmp5, 'csv', $fmtUnknown);
+        unlink($tmp5);
+
+        $this->assertEquals('Test:  Ende', $rows5[0]['buchungstext'],
+            'Unbekannter Placeholder wird als leerer String aufgelöst');
+
+        // ── Format ohne Template: col_buchungstext wird direkt genutzt ───
+        $fmtStd = [
+            'skip_rows'           => 3,
+            'has_header_row'      => 1,
+            'delimiter'           => ';',
+            'enclosure'           => '"',
+            'col_buchungstag'     => 0,
+            'col_wertstellung'    => 1,
+            'col_vorgang'         => 2,
+            'col_buchungstext'    => 3,
+            'col_wert'            => 4,
+            'date_format'         => 'd.m.Y',
+            'decimal_separator'   => ',',
+            'thousands_separator' => '.',
+        ];
+
+        $csv4 = "Z1\nZ2\nZ3\n"
+              . "Buchungstag;Wertstellung;Vorgang;Buchungstext;Betrag\n"
+              . "15.05.2026;15.05.2026;Lastschrift;Normaler Text;\"-50,00\"\n";
+
+        $tmp4  = $this->makeTempCsv($csv4);
+        $rows4 = $parser->parse($tmp4, 'csv', $fmtStd);
+        unlink($tmp4);
+
+        $this->assertEquals('Normaler Text', $rows4[0]['buchungstext'],
+            'Format ohne Template: col_buchungstext direkt genutzt');
+    }
+}
--- a/tests/35_BankImportSuggestTest.php
+++ b/tests/35_BankImportSuggestTest.php
@ -0,0 +1,71 @@
+<?php
+
+declare(strict_types=1);
+
+use Steuerkram\Services\BankImportParser;
+
+/**
+ * Test 35: BankImportParser::suggestFormat() – automatische Format-Erkennung.
+ */
+class BankImportSuggestTest extends TestCase
+{
+    protected string $testName = 'Test 35: BankImportParser – automatische Format-Erkennung';
+
+    private function makeTempCsv(string $content): string
+    {
+        $path = sys_get_temp_dir() . '/test35_' . uniqid() . '.csv';
+        file_put_contents($path, $content);
+        return $path;
+    }
+
+    public function run(): void
+    {
+        $parser = new BankImportParser();
+
+        // CSV mit 2 Metazeilen vor dem Header (DKB-ähnlich)
+        $csv = implode("\n", [
+            '"Kontonummer:";"DE12 3456 7890 1234 5678 90";',
+            '"Von:";"01.01.2026";"Bis:";"31.01.2026";',
+            '"Kontostand vom 31.01.2026:";"1.234,56 EUR";',
+            '"";',
+            '"Buchungsdatum";"Wertstellung";"Status";"Zahlungspflichtige*r";"Zahlungsempfänger*in";"Verwendungszweck";"Umsatztyp";"IBAN";"Betrag (€)"',
+            '"15.01.2026";"15.01.2026";"Gebucht";"Max Mustermann";"REWE";"Lebensmittel";"Lastschrift";"DE11111";"−45,30"',
+        ]);
+
+        $file = $this->makeTempCsv($csv);
+        $result = $parser->suggestFormat($file, 'csv');
+
+        $this->assert($result !== null, 'suggestFormat() gibt ein Ergebnis zurück');
+        $this->assertEquals(4, $result['skip_rows'], 'skip_rows korrekt erkannt (4)');
+        $this->assertEquals(';', $result['delimiter'], 'Delimiter korrekt erkannt (;)');
+        $this->assertEquals(1, $result['has_header_row'], 'has_header_row gesetzt');
+        $this->assertNotEmpty($result['header'], 'header-Array nicht leer');
+        $this->assertNotEmpty($result['mapping'], 'mapping-Array nicht leer');
+        $this->assert(isset($result['mapping']['col_buchungstag']), 'col_buchungstag gemappt');
+        $this->assert(isset($result['mapping']['col_wertstellung']), 'col_wertstellung gemappt');
+        $this->assert(isset($result['mapping']['col_wert']), 'col_wert gemappt (Betrag)');
+
+        unlink($file);
+
+        // CSV ohne Banking-Keywords → kein Vorschlag
+        $csvOhneKeywords = implode("\n", [
+            'Foo;Bar;Baz',
+            '1;2;3',
+        ]);
+        $file2  = $this->makeTempCsv($csvOhneKeywords);
+        $result2 = $parser->suggestFormat($file2, 'csv');
+        $this->assert($result2 === null, 'suggestFormat() gibt null zurück wenn kein Banking-Header erkannt');
+        unlink($file2);
+
+        // Comdirect-ähnliche CSV (kein skip_rows)
+        $csvComdirect = implode("\n", [
+            '"Buchungstag";"Wertstellung";"Vorgang";"Buchungstext";"Betrag (€)"',
+            '"10.01.2026";"10.01.2026";"Lastschrift";"Amazon";"−19,99"',
+        ]);
+        $file3  = $this->makeTempCsv($csvComdirect);
+        $result3 = $parser->suggestFormat($file3, 'csv');
+        $this->assert($result3 !== null, 'suggestFormat() erkennt Comdirect-ähnliche CSV');
+        $this->assertEquals(0, $result3['skip_rows'], 'skip_rows=0 bei direktem Header');
+        unlink($file3);
+    }
+}
 @ -1 +1 @@
 -260516
 -260517