diff --git a/app/(dashboard)/transactions/page.tsx b/app/(dashboard)/transactions/page.tsx
index 36c8274f..5bba42f0 100644
--- a/app/(dashboard)/transactions/page.tsx
+++ b/app/(dashboard)/transactions/page.tsx
@@ -185,7 +185,7 @@ export default function TransactionsPage() {
       if (!response.ok) {
         toast({ title: 'Fel', description: result.error || 'Kunde inte uppdatera transaktion', variant: 'destructive' })
         setProcessingId(null)
-        return false
+        return null
       }
 
       // Mark as exiting for animation, then update state
@@ -217,11 +217,11 @@ export default function TransactionsPage() {
         setProcessingId(null)
       }, 350)
 
-      return true
+      return result.journal_entry_id || null
     } catch {
       toast({ title: 'Fel', description: 'Något gick fel vid bokföring', variant: 'destructive' })
       setProcessingId(null)
-      return false
+      return null
     }
   }
 
@@ -458,13 +458,14 @@ export default function TransactionsPage() {
     category: TransactionCategory,
     vatTreatment: VatTreatment | undefined,
     accountOverride: string | undefined
-  ) {
-    const success = await handleCategorize(id, true, category, vatTreatment, accountOverride)
-    if (success) {
+  ): Promise<string | null> {
+    const journalEntryId = await handleCategorize(id, true, category, vatTreatment, accountOverride)
+    if (journalEntryId) {
       setQuickReviewOpen(false)
       setQuickReviewTransaction(null)
       setQuickReviewCategory(null)
     }
+    return journalEntryId
   }
 
   // Swipe view
diff --git a/app/api/transactions/[id]/categorize/route.ts b/app/api/transactions/[id]/categorize/route.ts
index db27329e..128151dc 100644
--- a/app/api/transactions/[id]/categorize/route.ts
+++ b/app/api/transactions/[id]/categorize/route.ts
@@ -3,6 +3,7 @@ import { NextResponse } from 'next/server'
 import { eventBus } from '@/lib/events'
 import { ensureInitialized } from '@/lib/init'
 import { buildMappingResultFromCategory } from '@/lib/bookkeeping/category-mapping'
+import { getTemplateById, buildMappingResultFromTemplate } from '@/lib/bookkeeping/booking-templates'
 import { createTransactionJournalEntry } from '@/lib/bookkeeping/transaction-entries'
 import { saveUserMappingRule } from '@/lib/bookkeeping/mapping-engine'
 import { validateBody } from '@/lib/api/validate'
@@ -153,18 +154,36 @@ export async function POST(
   const fiscalYearStartMonth: number = settings?.fiscal_year_start_month ?? 1
 
   // Determine the category to use
-  const finalCategory: TransactionCategory = is_business
-    ? (category || 'uncategorized')
-    : 'private'
+  let finalCategory: TransactionCategory
+  if (body.template_id) {
+    const template = getTemplateById(body.template_id)
+    if (template) {
+      finalCategory = is_business ? template.fallback_category : 'private'
+    } else {
+      return NextResponse.json({ error: 'Invalid template_id' }, { status: 400 })
+    }
+  } else {
+    finalCategory = is_business ? (category || 'uncategorized') : 'private'
+  }
 
-  // Build mapping result from category
-  const mappingResult = buildMappingResultFromCategory(
-    finalCategory,
-    transaction as Transaction,
-    is_business,
-    entityType,
-    body.vat_treatment
-  )
+  // Build mapping result from template or category
+  let mappingResult
+  if (body.template_id) {
+    const template = getTemplateById(body.template_id)!
+    mappingResult = buildMappingResultFromTemplate(
+      template,
+      transaction as Transaction,
+      entityType
+    )
+  } else {
+    mappingResult = buildMappingResultFromCategory(
+      finalCategory,
+      transaction as Transaction,
+      is_business,
+      entityType,
+      body.vat_treatment
+    )
+  }
 
   // Apply account override if provided (only for business transactions)
   if (is_business && body.account_override) {
diff --git a/app/api/transactions/suggest-categories/route.ts b/app/api/transactions/suggest-categories/route.ts
index a4773834..5f2e219a 100644
--- a/app/api/transactions/suggest-categories/route.ts
+++ b/app/api/transactions/suggest-categories/route.ts
@@ -1,7 +1,7 @@
 import { createClient } from '@/lib/supabase/server'
 import { NextResponse } from 'next/server'
-import { getSuggestedCategories, mergeAiSuggestions, type SuggestedCategory } from '@/lib/transactions/category-suggestions'
-import type { Transaction, TransactionCategory } from '@/types'
+import { getSuggestedCategories, mergeAiSuggestions, getSuggestedTemplates, type SuggestedCategory, type SuggestedTemplate } from '@/lib/transactions/category-suggestions'
+import type { Transaction, TransactionCategory, EntityType } from '@/types'
 
 /**
  * POST /api/transactions/suggest-categories
@@ -78,8 +78,17 @@ export async function POST(request: Request) {
     }
   }
 
+  // Fetch entity type for template matching
+  const { data: settings } = await supabase
+    .from('company_settings')
+    .select('entity_type')
+    .eq('user_id', user.id)
+    .single()
+  const entityType = (settings?.entity_type as EntityType) || undefined
+
   // Generate suggestions for each transaction
   const suggestions: Record<string, SuggestedCategory[]> = {}
+  const template_suggestions: Record<string, SuggestedTemplate[]> = {}
 
   for (const tx of transactions) {
     let result = getSuggestedCategories(
@@ -95,7 +104,8 @@ export async function POST(request: Request) {
     }
 
     suggestions[tx.id] = result
+    template_suggestions[tx.id] = getSuggestedTemplates(tx as Transaction, entityType)
   }
 
-  return NextResponse.json({ suggestions })
+  return NextResponse.json({ suggestions, template_suggestions })
 }
diff --git a/components/import/BankFileUploadStep.tsx b/components/import/BankFileUploadStep.tsx
index d81550b2..5cc7b81e 100644
--- a/components/import/BankFileUploadStep.tsx
+++ b/components/import/BankFileUploadStep.tsx
@@ -27,6 +27,10 @@ const FORMAT_NAMES: Record<string, string> = {
   seb: 'SEB',
   swedbank: 'Swedbank',
   handelsbanken: 'Handelsbanken',
+  lansforsakringar: 'Länsförsäkringar',
+  ica_banken: 'ICA Banken',
+  skandia: 'Skandia',
+  lunar: 'Lunar',
   generic_csv: 'CSV (manuell mappning)',
   camt053: 'ISO 20022 camt.053',
 }
@@ -122,6 +126,10 @@ export default function BankFileUploadStep({
                 <SelectItem value="seb">SEB</SelectItem>
                 <SelectItem value="swedbank">Swedbank</SelectItem>
                 <SelectItem value="handelsbanken">Handelsbanken</SelectItem>
+                <SelectItem value="lansforsakringar">Länsförsäkringar</SelectItem>
+                <SelectItem value="ica_banken">ICA Banken</SelectItem>
+                <SelectItem value="skandia">Skandia</SelectItem>
+                <SelectItem value="lunar">Lunar</SelectItem>
                 <SelectItem value="camt053">ISO 20022 camt.053 (XML)</SelectItem>
                 <SelectItem value="generic_csv">Annan CSV (manuell mappning)</SelectItem>
               </SelectContent>
@@ -229,6 +237,30 @@ export default function BankFileUploadStep({
               Logga in → Konton → Transaktioner → Ladda ner (CSV)
             </p>
           </div>
+          <div>
+            <p className="font-medium">Länsförsäkringar</p>
+            <p className="text-muted-foreground">
+              Logga in → Konton → Kontoutdrag → Exportera (CSV)
+            </p>
+          </div>
+          <div>
+            <p className="font-medium">ICA Banken</p>
+            <p className="text-muted-foreground">
+              Logga in → Konton → Transaktioner → Exportera till fil (CSV)
+            </p>
+          </div>
+          <div>
+            <p className="font-medium">Skandia</p>
+            <p className="text-muted-foreground">
+              Logga in → Konton → Transaktioner → Exportera (CSV)
+            </p>
+          </div>
+          <div>
+            <p className="font-medium">Lunar</p>
+            <p className="text-muted-foreground">
+              Logga in → Konto → Transaktioner → Exportera (CSV)
+            </p>
+          </div>
         </CardContent>
       </Card>
     </div>
diff --git a/components/transactions/BatchCategorySelector.tsx b/components/transactions/BatchCategorySelector.tsx
index 9ffa5159..e7c52f30 100644
--- a/components/transactions/BatchCategorySelector.tsx
+++ b/components/transactions/BatchCategorySelector.tsx
@@ -4,6 +4,7 @@ import { useState } from 'react'
 import { Button } from '@/components/ui/button'
 import { Dialog, DialogContent, DialogHeader, DialogTitle, DialogDescription } from '@/components/ui/dialog'
 import { Progress } from '@/components/ui/progress'
+import { Paperclip } from 'lucide-react'
 import VatTreatmentSelect from './VatTreatmentSelect'
 import { EXPENSE_CATEGORIES, INCOME_CATEGORIES } from './transaction-types'
 import type { TransactionCategory, VatTreatment } from '@/types'
@@ -59,6 +60,14 @@ export default function BatchCategorySelector({
           </div>
         ) : (
           <div className="space-y-4 py-2">
+            {/* Underlag reminder */}
+            <div className="flex items-start gap-2 rounded-lg bg-amber-50 dark:bg-amber-950/30 border border-amber-200 dark:border-amber-800 p-3">
+              <Paperclip className="h-4 w-4 text-amber-600 dark:text-amber-400 mt-0.5 shrink-0" />
+              <p className="text-xs text-amber-800 dark:text-amber-300">
+                Underlag behover bifogas separat for varje transaktion efter bokforing.
+              </p>
+            </div>
+
             <div>
               <h4 className="text-sm font-medium text-muted-foreground mb-2">Momsbehandling</h4>
               <VatTreatmentSelect
diff --git a/components/transactions/QuickReviewDialog.tsx b/components/transactions/QuickReviewDialog.tsx
index a33ce900..86d0872b 100644
--- a/components/transactions/QuickReviewDialog.tsx
+++ b/components/transactions/QuickReviewDialog.tsx
@@ -4,10 +4,13 @@ import { useState, useEffect, useCallback } from 'react'
 import { Button } from '@/components/ui/button'
 import { Badge } from '@/components/ui/badge'
 import { Dialog, DialogContent, DialogHeader, DialogTitle, DialogDescription } from '@/components/ui/dialog'
+import { useToast } from '@/components/ui/use-toast'
 import { formatCurrency, formatDate } from '@/lib/utils'
-import { ArrowUpRight, ArrowDownRight, Check } from 'lucide-react'
+import { ArrowUpRight, ArrowDownRight, Check, Paperclip, ChevronDown, ChevronUp } from 'lucide-react'
 import { getDefaultAccountForCategory } from '@/lib/bookkeeping/category-mapping'
 import AccountCombobox from '@/components/bookkeeping/AccountCombobox'
+import DocumentUploadZone from '@/components/bookkeeping/DocumentUploadZone'
+import type { UploadedFile } from '@/components/bookkeeping/DocumentUploadZone'
 import VatTreatmentSelect from './VatTreatmentSelect'
 import type { TransactionWithInvoice } from './transaction-types'
 import type { TransactionCategory, VatTreatment, BASAccount } from '@/types'
@@ -25,7 +28,7 @@ interface QuickReviewDialogProps {
     category: TransactionCategory,
     vatTreatment: VatTreatment | undefined,
     accountOverride: string | undefined
-  ) => Promise<void>
+  ) => Promise<string | null>
 }
 
 export default function QuickReviewDialog({
@@ -38,11 +41,14 @@ export default function QuickReviewDialog({
   defaultVat,
   onConfirm,
 }: QuickReviewDialogProps) {
+  const { toast } = useToast()
   const [accountOverride, setAccountOverride] = useState(defaultAccount)
   const [vatTreatment, setVatTreatment] = useState<VatTreatment | 'none'>(defaultVat)
   const [accounts, setAccounts] = useState<BASAccount[]>([])
   const [isProcessing, setIsProcessing] = useState(false)
   const [error, setError] = useState<string | null>(null)
+  const [uploadedFiles, setUploadedFiles] = useState<UploadedFile[]>([])
+  const [showUploadZone, setShowUploadZone] = useState(false)
 
   // Handle account changes — clear VAT for liability/equity accounts (class 2)
   const handleAccountChange = useCallback((account: string) => {
@@ -85,7 +91,34 @@ export default function QuickReviewDialog({
         ? accountOverride
         : undefined
 
-      await onConfirm(transaction.id, category, resolvedVat, override)
+      const journalEntryId = await onConfirm(transaction.id, category, resolvedVat, override)
+
+      // Link uploaded documents to the journal entry
+      if (journalEntryId && uploadedFiles.length > 0) {
+        const filesToLink = uploadedFiles.filter((f) => f.status === 'uploaded' && f.id)
+        let linkFailCount = 0
+        for (const file of filesToLink) {
+          try {
+            await fetch(`/api/documents/${file.id}/link`, {
+              method: 'POST',
+              headers: { 'Content-Type': 'application/json' },
+              body: JSON.stringify({ journal_entry_id: journalEntryId }),
+            })
+          } catch {
+            linkFailCount++
+          }
+        }
+        if (linkFailCount > 0) {
+          toast({
+            title: 'Underlag kunde inte bifogas',
+            description: `${linkFailCount} fil(er) kunde inte lankas till verifikationen.`,
+            variant: 'destructive',
+          })
+        }
+      }
+
+      setUploadedFiles([])
+      setShowUploadZone(false)
     } catch {
       setError('Ett fel uppstod vid bokföring.')
       setIsProcessing(false)
@@ -93,7 +126,13 @@ export default function QuickReviewDialog({
   }
 
   return (
-    <Dialog open={open} onOpenChange={isProcessing ? undefined : onOpenChange}>
+    <Dialog open={open} onOpenChange={isProcessing ? undefined : (o) => {
+      if (!o) {
+        setUploadedFiles([])
+        setShowUploadZone(false)
+      }
+      onOpenChange(o)
+    }}>
       <DialogContent className="max-w-md">
         <DialogHeader>
           <DialogTitle>Granska bokföring</DialogTitle>
@@ -164,6 +203,39 @@ export default function QuickReviewDialog({
           </div>
         </div>
 
+        {/* Document upload */}
+        <div className="rounded-lg border">
+          <button
+            type="button"
+            onClick={() => setShowUploadZone(!showUploadZone)}
+            className="flex items-center justify-between w-full px-3 py-2.5 text-sm hover:bg-muted/50 transition-colors"
+          >
+            <div className="flex items-center gap-2">
+              <Paperclip className="h-4 w-4 text-muted-foreground" />
+              <span className="font-medium">Underlag</span>
+              {uploadedFiles.filter((f) => f.status === 'uploaded').length > 0 && (
+                <span className="text-xs text-muted-foreground">
+                  {uploadedFiles.filter((f) => f.status === 'uploaded').length} bifogade
+                </span>
+              )}
+            </div>
+            {showUploadZone ? (
+              <ChevronUp className="h-4 w-4 text-muted-foreground" />
+            ) : (
+              <ChevronDown className="h-4 w-4 text-muted-foreground" />
+            )}
+          </button>
+          {showUploadZone && (
+            <div className="px-3 pb-3">
+              <DocumentUploadZone
+                files={uploadedFiles}
+                onFilesChange={setUploadedFiles}
+                compact
+              />
+            </div>
+          )}
+        </div>
+
         {error && (
           <div className="p-3 rounded-lg bg-destructive/10 text-destructive text-sm">
             {error}
diff --git a/components/transactions/SwipeCategorizationView.tsx b/components/transactions/SwipeCategorizationView.tsx
index 7bc7508b..9db0c5d8 100644
--- a/components/transactions/SwipeCategorizationView.tsx
+++ b/components/transactions/SwipeCategorizationView.tsx
@@ -5,12 +5,15 @@ import { motion, useMotionValue, useTransform, AnimatePresence, type PanInfo } f
 import { Card, CardContent, CardHeader } from '@/components/ui/card'
 import { Button } from '@/components/ui/button'
 import { Badge } from '@/components/ui/badge'
+import { useToast } from '@/components/ui/use-toast'
 import VatTreatmentSelect from './VatTreatmentSelect'
 import { formatCurrency, formatDate } from '@/lib/utils'
 import { checkExpenseWarnings } from '@/lib/tax/expense-warnings'
 import { getDefaultAccountForCategory, getDefaultVatTreatmentForCategory } from '@/lib/bookkeeping/category-mapping'
 import AccountCombobox from '@/components/bookkeeping/AccountCombobox'
-import { X, ArrowLeft, ArrowRight, Building, AlertTriangle, Check, FileText, Link2, Receipt as ReceiptIcon, SkipForward } from 'lucide-react'
+import DocumentUploadZone from '@/components/bookkeeping/DocumentUploadZone'
+import type { UploadedFile } from '@/components/bookkeeping/DocumentUploadZone'
+import { X, ArrowLeft, ArrowRight, Building, AlertTriangle, Check, FileText, Link2, Receipt as ReceiptIcon, SkipForward, Paperclip, ChevronDown, ChevronUp } from 'lucide-react'
 import type { TransactionCategory, VatTreatment, BASAccount } from '@/types'
 import type { SuggestedCategory } from '@/lib/transactions/category-suggestions'
 import type { TransactionWithInvoice, CategorizeHandler, MatchInvoiceHandler } from './transaction-types'
@@ -34,6 +37,7 @@ export default function SwipeCategorizationView({
   onMatchInvoice,
   onClose,
 }: SwipeCategorizationViewProps) {
+  const { toast } = useToast()
   const [showAllCategories, setShowAllCategories] = useState(false)
   const [currentIndex, setCurrentIndex] = useState(0)
   const [showCategorySelect, setShowCategorySelect] = useState(false)
@@ -46,6 +50,8 @@ export default function SwipeCategorizationView({
   const [accountOverride, setAccountOverride] = useState('')
   const [vatTreatment, setVatTreatment] = useState<VatTreatment | 'none'>('standard_25')
   const [accounts, setAccounts] = useState<BASAccount[]>([])
+  const [uploadedFiles, setUploadedFiles] = useState<UploadedFile[]>([])
+  const [showUploadZone, setShowUploadZone] = useState(false)
 
   // Clear VAT treatment when switching to a liability/equity account (class 2)
   useEffect(() => {
@@ -143,6 +149,11 @@ export default function SwipeCategorizationView({
     [isProcessing, currentTransaction, handleCategorySelect, x, moveToNext]
   )
 
+  const resetUploadState = useCallback(() => {
+    setUploadedFiles([])
+    setShowUploadZone(false)
+  }, [])
+
   const handleReviewConfirm = async () => {
     if (!pendingCategory) return
 
@@ -156,14 +167,39 @@ export default function SwipeCategorizationView({
         ? accountOverride
         : undefined
 
-      const success = await onCategorize(
+      const journalEntryId = await onCategorize(
         currentTransaction.id,
         true,
         pendingCategory,
         resolvedVat,
         override
       )
-      if (success) {
+      if (journalEntryId) {
+        // Link uploaded documents to the journal entry
+        if (uploadedFiles.length > 0) {
+          const filesToLink = uploadedFiles.filter((f) => f.status === 'uploaded' && f.id)
+          let linkFailCount = 0
+          for (const file of filesToLink) {
+            try {
+              await fetch(`/api/documents/${file.id}/link`, {
+                method: 'POST',
+                headers: { 'Content-Type': 'application/json' },
+                body: JSON.stringify({ journal_entry_id: journalEntryId }),
+              })
+            } catch {
+              linkFailCount++
+            }
+          }
+          if (linkFailCount > 0) {
+            toast({
+              title: 'Underlag kunde inte bifogas',
+              description: `${linkFailCount} fil(er) kunde inte lankas till verifikationen.`,
+              variant: 'destructive',
+            })
+          }
+        }
+
+        resetUploadState()
         setShowReviewStep(false)
         setPendingCategory(null)
         moveToNext()
@@ -204,8 +240,9 @@ export default function SwipeCategorizationView({
     setShowCategorySelect(false)
     setShowReviewStep(false)
     setPendingCategory(null)
+    resetUploadState()
     moveToNext()
-  }, [moveToNext])
+  }, [moveToNext, resetUploadState])
 
   if (!currentTransaction) {
     return (
@@ -352,12 +389,45 @@ export default function SwipeCategorizationView({
               />
               {isLiabilityAccount && (
                 <p className="text-xs text-muted-foreground mt-1">
-                  Ingen moms för skuld-/eget kapital-konton
+                  Ingen moms for skuld-/eget kapital-konton
                 </p>
               )}
             </div>
           </div>
 
+          {/* Document upload */}
+          <div className="rounded-lg border">
+            <button
+              type="button"
+              onClick={() => setShowUploadZone(!showUploadZone)}
+              className="flex items-center justify-between w-full px-3 py-2.5 text-sm hover:bg-muted/50 transition-colors"
+            >
+              <div className="flex items-center gap-2">
+                <Paperclip className="h-4 w-4 text-muted-foreground" />
+                <span className="font-medium">Underlag</span>
+                {uploadedFiles.filter((f) => f.status === 'uploaded').length > 0 && (
+                  <span className="text-xs text-muted-foreground">
+                    {uploadedFiles.filter((f) => f.status === 'uploaded').length} bifogade
+                  </span>
+                )}
+              </div>
+              {showUploadZone ? (
+                <ChevronUp className="h-4 w-4 text-muted-foreground" />
+              ) : (
+                <ChevronDown className="h-4 w-4 text-muted-foreground" />
+              )}
+            </button>
+            {showUploadZone && (
+              <div className="px-3 pb-3">
+                <DocumentUploadZone
+                  files={uploadedFiles}
+                  onFilesChange={setUploadedFiles}
+                  compact
+                />
+              </div>
+            )}
+          </div>
+
           {error && (
             <div className="p-3 rounded-lg bg-destructive/10 text-destructive text-sm">
               {error}
@@ -373,7 +443,7 @@ export default function SwipeCategorizationView({
             disabled={isProcessing || !accountOverride}
           >
             <Check className="mr-2 h-4 w-4" />
-            {isProcessing ? 'Bokför...' : 'Bokför'}
+            {isProcessing ? 'Bokfor...' : 'Bokfor'}
           </Button>
           <Button
             variant="ghost"
diff --git a/components/transactions/transaction-types.ts b/components/transactions/transaction-types.ts
index be58f858..2ac07795 100644
--- a/components/transactions/transaction-types.ts
+++ b/components/transactions/transaction-types.ts
@@ -10,13 +10,14 @@ export type ViewMode = 'inbox' | 'history'
 export type HistoryFilter = 'all' | 'business' | 'private'
 
 // Handler types
+// Returns the journal_entry_id on success, null on failure
 export type CategorizeHandler = (
   id: string,
   isBusiness: boolean,
   category?: TransactionCategory,
   vatTreatment?: VatTreatment,
   accountOverride?: string
-) => Promise<boolean>
+) => Promise<string | null>
 
 export type MatchInvoiceHandler = (
   transactionId: string,
diff --git a/extensions/general/ai-categorization/categorizer.ts b/extensions/general/ai-categorization/categorizer.ts
index c4435b17..9e968dd5 100644
--- a/extensions/general/ai-categorization/categorizer.ts
+++ b/extensions/general/ai-categorization/categorizer.ts
@@ -10,6 +10,7 @@
 
 import 'server-only'
 import Anthropic from '@anthropic-ai/sdk'
+import { BOOKING_TEMPLATES, type BookingTemplate } from '@/lib/bookkeeping/booking-templates'
 import type { TransactionCategory, EntityType } from '@/types'
 
 // ============================================================
@@ -39,6 +40,7 @@ export interface CategorizationSuggestion {
   confidence: number
   reasoning: string
   isPrivate: boolean
+  templateId?: string
 }
 
 export interface CategorizationProvider {
@@ -73,6 +75,17 @@ function getCategoryAccountMap(entityType: EntityType): Record<string, { account
   }
 }
 
+/**
+ * Build an abbreviated template reference for the AI prompt.
+ * Filters by direction (expense/income) to keep prompt concise.
+ */
+function getTemplateReference(direction: 'expense' | 'income'): string {
+  return BOOKING_TEMPLATES
+    .filter((t) => t.direction === direction || t.direction === 'transfer')
+    .map((t) => `${t.id}: ${t.name_sv} → ${t.debit_account}/${t.credit_account}`)
+    .join('\n')
+}
+
 const NON_DEDUCTIBLE_RULES = `
 ICKE-AVDRAGSGILLA KOSTNADER (svensk skatterätt):
 - Kläder: Normalt inte avdragsgilla (RÅ 1988 ref. 35)
@@ -112,10 +125,21 @@ export class AnthropicCategorizationProvider implements CategorizationProvider {
     const privateAccount = context.entityType === 'aktiebolag' ? '2893' : '2013'
     const categoryAccountMap = getCategoryAccountMap(context.entityType)
 
-    const systemPrompt = `Du är expert på svensk bokföring och kategorisering av banktransaktioner enligt BAS-kontoplanen.
-Din uppgift är att kategorisera varje transaktion till rätt kategori och BAS-konto.
+    // Build template references based on batch direction (most transactions will be same direction)
+    const hasExpenses = batch.some((t) => t.amount < 0)
+    const hasIncome = batch.some((t) => t.amount > 0)
+    const templateRef = [
+      hasExpenses ? `UTGIFTSMALLAR:\n${getTemplateReference('expense')}` : '',
+      hasIncome ? `INTÄKTSMALLAR:\n${getTemplateReference('income')}` : '',
+    ].filter(Boolean).join('\n\n')
 
-KATEGORIER OCH BAS-KONTON:
+    const systemPrompt = `Du är expert på svensk bokföring och kategorisering av banktransaktioner enligt BAS-kontoplanen.
+Din uppgift är att kategorisera varje transaktion till rätt mall-ID (templateId) och BAS-konto.
+
+BOKFÖRINGSMALLAR (id: namn → debitkonto/kreditkonto):
+${templateRef}
+
+KATEGORIER (fallback om ingen mall matchar):
 ${Object.entries(categoryAccountMap)
   .map(([cat, info]) => `- ${cat}: ${info.account} (${info.label})`)
   .join('\n')}
@@ -136,7 +160,8 @@ REGLER:
 3. Ange confidence 0.0-1.0 baserat på hur säker du är
 4. Ange kort reasoning på svenska
 5. Om en transaktion liknar privat konsumtion (kläder, gym, etc.), sätt category: "private"
-6. taxCode: "MPI" för avdragsgilla affärskostnader med moms, "MP1" för intäkter med moms, null för momsfria/privata`
+6. taxCode: "MPI" för avdragsgilla affärskostnader med moms, "MP1" för intäkter med moms, null för momsfria/privata
+7. Ange templateId om en bokföringsmall matchar (föredra mallar framför generiska kategorier)`
 
     const historyContext =
       context.recentHistory.length > 0
@@ -168,6 +193,7 @@ Returnera ett JSON-objekt med följande struktur:
     {
       "transactionId": "id",
       "category": "expense_software",
+      "templateId": "it_saas_subscription",
       "basAccount": "5420",
       "taxCode": "MPI",
       "confidence": 0.9,
@@ -265,6 +291,7 @@ Returnera ENDAST JSON-objektet, ingen annan text.`
           confidence: Math.max(0, Math.min(1, Number(s.confidence) || 0.5)),
           reasoning: (s.reasoning as string) || '',
           isPrivate: category === 'private' || Boolean(s.isPrivate),
+          templateId: (s.templateId as string) || undefined,
         }
       })
   }
diff --git a/lib/api/__tests__/schemas.test.ts b/lib/api/__tests__/schemas.test.ts
index 9ecaaede..4204f77e 100644
--- a/lib/api/__tests__/schemas.test.ts
+++ b/lib/api/__tests__/schemas.test.ts
@@ -347,11 +347,18 @@ describe('CreateInvoiceSchema', () => {
     expect(result.success).toBe(false)
   })
 
-  it('rejects vat_rate > 1 (must be decimal)', () => {
+  it('rejects vat_rate > 100', () => {
+    const result = CreateInvoiceSchema.safeParse(validInvoice({
+      items: [validInvoiceItem({ vat_rate: 101 })],
+    }))
+    expect(result.success).toBe(false)
+  })
+
+  it('accepts vat_rate of 25 (standard Swedish VAT)', () => {
     const result = CreateInvoiceSchema.safeParse(validInvoice({
       items: [validInvoiceItem({ vat_rate: 25 })],
     }))
-    expect(result.success).toBe(false)
+    expect(result.success).toBe(true)
   })
 
   it('accepts vat_rate of 0 (export/exempt)', () => {
diff --git a/lib/api/schemas.ts b/lib/api/schemas.ts
index fa1af462..1ad50617 100644
--- a/lib/api/schemas.ts
+++ b/lib/api/schemas.ts
@@ -148,7 +148,7 @@ export const CreateInvoiceItemSchema = z.object({
   quantity: z.number().positive('Quantity must be positive'),
   unit: z.string().min(1, 'Unit is required'),
   unit_price: z.number(),
-  vat_rate: z.number().min(0).max(1).optional(),
+  vat_rate: z.number().min(0).max(100).optional(),
 })
 
 export const CreateInvoiceSchema = z.object({
@@ -213,7 +213,7 @@ export const CreateSupplierSchema = z.object({
   bic: z.string().optional(),
   default_expense_account: accountNumber.optional(),
   default_payment_terms: z.number().int().positive().optional(),
-  default_currency: z.string().optional(),
+  default_currency: CurrencySchema.nullable().optional(),
   notes: z.string().optional(),
 })
 
@@ -227,7 +227,7 @@ export const CreateSupplierInvoiceItemSchema = z.object({
   description: z.string().min(1, 'Item description is required'),
   amount: z.number().optional(),
   account_number: accountNumber,
-  vat_rate: z.number().min(0).max(1).optional(),
+  vat_rate: z.number().min(0).max(100).optional(),
   vat_code: z.string().optional(),
   quantity: z.number().optional(),
   unit: z.string().optional(),
@@ -240,7 +240,7 @@ export const CreateSupplierInvoiceSchema = z.object({
   invoice_date: isoDate,
   due_date: isoDate,
   delivery_date: isoDate.optional(),
-  currency: z.string().optional(),
+  currency: CurrencySchema.optional(),
   exchange_rate: z.number().positive().optional(),
   vat_treatment: VatTreatmentSchema.optional(),
   reverse_charge: z.boolean().optional(),
@@ -303,6 +303,7 @@ export const CorrectJournalEntrySchema = z.object({
 export const CategorizeTransactionSchema = z.object({
   is_business: z.boolean(),
   category: TransactionCategorySchema.optional(),
+  template_id: z.string().optional(),
   vat_treatment: VatTreatmentSchema.optional(),
   account_override: accountNumber.optional(),
 })
@@ -347,10 +348,10 @@ export const UpdateSettingsSchema = z.object({
   iban: z.string().optional(),
   bic: z.string().optional(),
   accounting_method: AccountingMethodSchema.optional(),
-  invoice_prefix: z.string().optional(),
+  invoice_prefix: z.string().nullable().optional(),
   next_invoice_number: z.number().int().positive().optional(),
   invoice_default_days: z.number().int().positive().optional(),
-  invoice_default_notes: z.string().optional(),
+  invoice_default_notes: z.string().nullable().optional(),
   email: z.string().email().optional(),
   pays_salaries: z.boolean().optional(),
   sector_slug: z.string().nullable().optional(),
diff --git a/lib/bookkeeping/__tests__/booking-templates.test.ts b/lib/bookkeeping/__tests__/booking-templates.test.ts
new file mode 100644
index 00000000..4e6e10a0
--- /dev/null
+++ b/lib/bookkeeping/__tests__/booking-templates.test.ts
@@ -0,0 +1,416 @@
+import { describe, it, expect } from 'vitest'
+import { makeTransaction } from '@/tests/helpers'
+import {
+  BOOKING_TEMPLATES,
+  getTemplateById,
+  getTemplatesByGroup,
+  getTemplatesByMcc,
+  getTemplateGroups,
+  searchTemplates,
+  findMatchingTemplates,
+  buildMappingResultFromTemplate,
+  type BookingTemplate,
+} from '../booking-templates'
+
+// ============================================================
+// Template Data Integrity
+// ============================================================
+
+describe('BOOKING_TEMPLATES data integrity', () => {
+  it('has exactly 100 templates', () => {
+    expect(BOOKING_TEMPLATES).toHaveLength(100)
+  })
+
+  it('all template IDs are unique', () => {
+    const ids = BOOKING_TEMPLATES.map((t) => t.id)
+    expect(new Set(ids).size).toBe(ids.length)
+  })
+
+  it('all templates have valid required fields', () => {
+    for (const t of BOOKING_TEMPLATES) {
+      expect(t.id).toBeTruthy()
+      expect(t.name_sv).toBeTruthy()
+      expect(t.name_en).toBeTruthy()
+      expect(t.group).toBeTruthy()
+      expect(['expense', 'income', 'transfer']).toContain(t.direction)
+      expect(['all', 'enskild_firma', 'aktiebolag']).toContain(t.entity_applicability)
+      expect(t.debit_account).toMatch(/^\d{4}$/)
+      expect(t.credit_account).toMatch(/^\d{4}$/)
+      expect(['full', 'non_deductible', 'conditional']).toContain(t.deductibility)
+      expect(['NONE', 'LOW', 'MEDIUM', 'HIGH', 'VERY_HIGH']).toContain(t.risk_level)
+      expect(typeof t.requires_review).toBe('boolean')
+      expect(t.impact_score).toBeGreaterThanOrEqual(1)
+      expect(t.impact_score).toBeLessThanOrEqual(10)
+      expect(t.auto_match_confidence).toBeGreaterThanOrEqual(0.5)
+      expect(t.auto_match_confidence).toBeLessThanOrEqual(1.0)
+      expect(typeof t.default_private).toBe('boolean')
+      expect(t.fallback_category).toBeTruthy()
+      expect(t.description_sv).toBeTruthy()
+      expect(Array.isArray(t.mcc_codes)).toBe(true)
+      expect(Array.isArray(t.keywords)).toBe(true)
+      expect(t.keywords.length).toBeGreaterThan(0)
+    }
+  })
+
+  it('all AB-specific override accounts are valid 4-digit strings', () => {
+    for (const t of BOOKING_TEMPLATES) {
+      if (t.debit_account_ab) {
+        expect(t.debit_account_ab).toMatch(/^\d{4}$/)
+      }
+      if (t.credit_account_ab) {
+        expect(t.credit_account_ab).toMatch(/^\d{4}$/)
+      }
+    }
+  })
+
+  it('vat_rate is consistent with vat_treatment', () => {
+    for (const t of BOOKING_TEMPLATES) {
+      if (t.vat_treatment === 'standard_25') {
+        expect(t.vat_rate).toBe(0.25)
+      } else if (t.vat_treatment === 'reduced_12') {
+        expect(t.vat_rate).toBe(0.12)
+      } else if (t.vat_treatment === 'reduced_6') {
+        expect(t.vat_rate).toBe(0.06)
+      } else if (t.vat_treatment === 'reverse_charge' || t.vat_treatment === 'export' || t.vat_treatment === 'exempt' || t.vat_treatment === null) {
+        expect(t.vat_rate).toBe(0)
+      }
+    }
+  })
+})
+
+// ============================================================
+// Lookup Functions
+// ============================================================
+
+describe('getTemplateById', () => {
+  it('returns correct template for known ID', () => {
+    const t = getTemplateById('it_saas_subscription')
+    expect(t).toBeDefined()
+    expect(t!.name_sv).toBe('Programvara / SaaS-prenumeration')
+    expect(t!.debit_account).toBe('5420')
+  })
+
+  it('returns undefined for unknown ID', () => {
+    expect(getTemplateById('nonexistent')).toBeUndefined()
+  })
+})
+
+describe('getTemplatesByGroup', () => {
+  it('returns templates for the premises group', () => {
+    const templates = getTemplatesByGroup('premises')
+    expect(templates.length).toBeGreaterThan(0)
+    for (const t of templates) {
+      expect(t.group).toBe('premises')
+    }
+  })
+
+  it('returns empty array for non-existent group', () => {
+    expect(getTemplatesByGroup('nonexistent' as never)).toEqual([])
+  })
+})
+
+describe('getTemplatesByMcc', () => {
+  it('returns templates for MCC 5541 (fuel)', () => {
+    const templates = getTemplatesByMcc(5541)
+    expect(templates.length).toBeGreaterThan(0)
+    expect(templates.some((t) => t.id === 'vehicle_fuel')).toBe(true)
+  })
+
+  it('returns empty array for unknown MCC', () => {
+    expect(getTemplatesByMcc(9999)).toEqual([])
+  })
+})
+
+describe('getTemplateGroups', () => {
+  it('returns all 18 groups', () => {
+    const groups = getTemplateGroups()
+    expect(groups).toHaveLength(18)
+    for (const g of groups) {
+      expect(g.group).toBeTruthy()
+      expect(g.label_sv).toBeTruthy()
+      expect(g.label_en).toBeTruthy()
+      expect(Array.isArray(g.templates)).toBe(true)
+    }
+  })
+
+  it('every template is in exactly one group', () => {
+    const groups = getTemplateGroups()
+    const allTemplates = groups.flatMap((g) => g.templates)
+    expect(allTemplates).toHaveLength(100)
+  })
+})
+
+// ============================================================
+// Search
+// ============================================================
+
+describe('searchTemplates', () => {
+  it('finds templates by Swedish name', () => {
+    const results = searchTemplates('lokalhyra')
+    expect(results.length).toBeGreaterThan(0)
+    expect(results.some((t) => t.id === 'premises_rent')).toBe(true)
+  })
+
+  it('finds templates by English name', () => {
+    const results = searchTemplates('software')
+    expect(results.length).toBeGreaterThan(0)
+    expect(results.some((t) => t.id === 'it_saas_subscription')).toBe(true)
+  })
+
+  it('finds templates by keywords', () => {
+    const results = searchTemplates('spotify')
+    expect(results.length).toBeGreaterThan(0)
+  })
+
+  it('returns empty for empty query', () => {
+    expect(searchTemplates('')).toEqual([])
+  })
+
+  it('filters by entity type', () => {
+    const results = searchTemplates('pension', 'enskild_firma')
+    // Should include EF-specific and 'all', but not AB-only
+    for (const t of results) {
+      expect(t.entity_applicability).not.toBe('aktiebolag')
+    }
+  })
+
+  it('supports multi-token search', () => {
+    const results = searchTemplates('digital annons')
+    expect(results.some((t) => t.id === 'marketing_online_ads')).toBe(true)
+  })
+})
+
+// ============================================================
+// findMatchingTemplates
+// ============================================================
+
+describe('findMatchingTemplates', () => {
+  it('matches by MCC code with high confidence', () => {
+    const tx = makeTransaction({
+      amount: -500,
+      mcc_code: 5541,
+      description: 'Gas station',
+      merchant_name: 'OKQ8',
+    })
+    const matches = findMatchingTemplates(tx)
+    expect(matches.length).toBeGreaterThan(0)
+    expect(matches[0].template.id).toBe('vehicle_fuel')
+    expect(matches[0].confidence).toBeGreaterThan(0.3)
+  })
+
+  it('matches by keywords in description', () => {
+    const tx = makeTransaction({
+      amount: -299,
+      description: 'Google Ads campaign',
+      merchant_name: 'Google',
+    })
+    const matches = findMatchingTemplates(tx)
+    expect(matches.some((m) => m.template.id === 'marketing_online_ads')).toBe(true)
+  })
+
+  it('returns empty for a transaction with no signals', () => {
+    const tx = makeTransaction({
+      amount: -100,
+      description: 'XYZ123ABC',
+      mcc_code: null,
+      merchant_name: null,
+    })
+    const matches = findMatchingTemplates(tx)
+    expect(matches).toEqual([])
+  })
+
+  it('filters by entity type', () => {
+    const tx = makeTransaction({
+      amount: -5000,
+      description: 'Löneutbetalning',
+    })
+    const matches = findMatchingTemplates(tx, 'enskild_firma')
+    // Personnel salary is AB-only, should not appear
+    for (const m of matches) {
+      expect(m.template.entity_applicability).not.toBe('aktiebolag')
+    }
+  })
+
+  it('does not match expense templates for positive amounts', () => {
+    const tx = makeTransaction({
+      amount: 1000,
+      description: 'Bensin okq8',
+      mcc_code: 5541,
+    })
+    const matches = findMatchingTemplates(tx)
+    // vehicle_fuel is an expense template, should not match positive amount
+    expect(matches.every((m) => m.template.direction !== 'expense')).toBe(true)
+  })
+
+  it('returns max 5 results', () => {
+    const tx = makeTransaction({
+      amount: -100,
+      description: 'software subscription cloud hosting domain',
+      mcc_code: 5817,
+    })
+    const matches = findMatchingTemplates(tx)
+    expect(matches.length).toBeLessThanOrEqual(5)
+  })
+
+  it('results are sorted by confidence descending', () => {
+    const tx = makeTransaction({
+      amount: -999,
+      description: 'Google cloud hosting',
+      mcc_code: 4816,
+    })
+    const matches = findMatchingTemplates(tx)
+    for (let i = 1; i < matches.length; i++) {
+      expect(matches[i - 1].confidence).toBeGreaterThanOrEqual(matches[i].confidence)
+    }
+  })
+})
+
+// ============================================================
+// buildMappingResultFromTemplate
+// ============================================================
+
+describe('buildMappingResultFromTemplate', () => {
+  const getTemplate = (id: string): BookingTemplate => {
+    const t = getTemplateById(id)
+    if (!t) throw new Error(`Template not found: ${id}`)
+    return t
+  }
+
+  it('produces valid MappingResult for expense with 25% VAT', () => {
+    const template = getTemplate('it_saas_subscription')
+    const tx = makeTransaction({ amount: -1250 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.debit_account).toBe('5420')
+    expect(result.credit_account).toBe('1930')
+    expect(result.template_id).toBe('it_saas_subscription')
+    expect(result.rule).toBeNull()
+    expect(result.confidence).toBe(1.0)
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2641')
+    expect(result.vat_lines[0].debit_amount).toBe(250) // 1250 * 0.25 / 1.25 = 250
+  })
+
+  it('produces valid MappingResult for expense with 12% VAT', () => {
+    const template = getTemplate('travel_hotel')
+    const tx = makeTransaction({ amount: -1120 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.debit_account).toBe('5820')
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2641')
+    expect(result.vat_lines[0].debit_amount).toBe(120) // 1120 * 0.12 / 1.12 = 120
+  })
+
+  it('produces valid MappingResult for expense with 6% VAT', () => {
+    const template = getTemplate('travel_train')
+    const tx = makeTransaction({ amount: -530 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2641')
+    expect(result.vat_lines[0].debit_amount).toBe(30) // 530 * 0.06 / 1.06 = 30
+  })
+
+  it('produces reverse charge lines for EU purchases', () => {
+    const template = getTemplate('it_saas_eu')
+    const tx = makeTransaction({ amount: -1000 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(2)
+    // Fiktiv ingående moms
+    expect(result.vat_lines[0].account_number).toBe('2645')
+    expect(result.vat_lines[0].debit_amount).toBe(250)
+    // Fiktiv utgående moms
+    expect(result.vat_lines[1].account_number).toBe('2614')
+    expect(result.vat_lines[1].credit_amount).toBe(250)
+  })
+
+  it('produces no VAT lines for exempt expenses', () => {
+    const template = getTemplate('premises_rent')
+    const tx = makeTransaction({ amount: -10000 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(0)
+  })
+
+  it('produces no VAT lines for non-deductible templates', () => {
+    const template = getTemplate('private_withdrawal_ef')
+    const tx = makeTransaction({ amount: -5000 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(0)
+    expect(result.default_private).toBe(true)
+  })
+
+  it('produces output VAT lines for income with 25% VAT', () => {
+    const template = getTemplate('revenue_services_25')
+    const tx = makeTransaction({ amount: 12500 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.debit_account).toBe('1930')
+    expect(result.credit_account).toBe('3001')
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2611')
+    expect(result.vat_lines[0].credit_amount).toBe(2500) // 12500 * 0.25 / 1.25 = 2500
+  })
+
+  it('produces output VAT lines for income with 12% VAT', () => {
+    const template = getTemplate('revenue_products_12')
+    const tx = makeTransaction({ amount: 1120 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2621')
+    expect(result.vat_lines[0].credit_amount).toBe(120)
+  })
+
+  it('produces output VAT lines for income with 6% VAT', () => {
+    const template = getTemplate('revenue_products_6')
+    const tx = makeTransaction({ amount: 1060 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.vat_lines).toHaveLength(1)
+    expect(result.vat_lines[0].account_number).toBe('2631')
+    expect(result.vat_lines[0].credit_amount).toBe(60)
+  })
+
+  it('resolves AB-specific accounts for aktiebolag', () => {
+    const template = getTemplate('education_course')
+    const tx = makeTransaction({ amount: -5000 })
+
+    const efResult = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+    expect(efResult.debit_account).toBe('6991')
+
+    const abResult = buildMappingResultFromTemplate(template, tx, 'aktiebolag')
+    expect(abResult.debit_account).toBe('7610')
+  })
+
+  it('resolves AB-specific private account', () => {
+    const template = getTemplate('private_expense')
+    const tx = makeTransaction({ amount: -300 })
+
+    const efResult = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+    expect(efResult.debit_account).toBe('2013')
+
+    const abResult = buildMappingResultFromTemplate(template, tx, 'aktiebolag')
+    expect(abResult.debit_account).toBe('2893')
+  })
+
+  it('includes template_id in the MappingResult', () => {
+    const template = getTemplate('bank_fees')
+    const tx = makeTransaction({ amount: -49 })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.template_id).toBe('bank_fees')
+    expect(result.rule).toBeNull()
+  })
+
+  it('sets description with template name and transaction description', () => {
+    const template = getTemplate('vehicle_fuel')
+    const tx = makeTransaction({ amount: -800, description: 'OKQ8 tankstation' })
+    const result = buildMappingResultFromTemplate(template, tx, 'enskild_firma')
+
+    expect(result.description).toBe('Drivmedel: OKQ8 tankstation')
+  })
+})
diff --git a/lib/bookkeeping/booking-templates.ts b/lib/bookkeeping/booking-templates.ts
new file mode 100644
index 00000000..419b8124
--- /dev/null
+++ b/lib/bookkeeping/booking-templates.ts
@@ -0,0 +1,2624 @@
+import type {
+  TransactionCategory,
+  MappingResult,
+  VatJournalLine,
+  Transaction,
+  EntityType,
+  VatTreatment,
+  RiskLevel,
+} from '@/types'
+import { getVatRate, generateReverseChargeLines, generateInputVatLine } from './vat-entries'
+
+// ============================================================
+// Types
+// ============================================================
+
+export type TemplateGroup =
+  | 'premises'
+  | 'vehicle'
+  | 'it_software'
+  | 'office_supplies'
+  | 'marketing'
+  | 'travel'
+  | 'representation'
+  | 'insurance'
+  | 'professional_services'
+  | 'bank_finance'
+  | 'telecom'
+  | 'education'
+  | 'personnel'
+  | 'revenue'
+  | 'financial'
+  | 'private_transfers'
+  | 'equipment'
+  | 'subscriptions'
+
+export interface BookingTemplate {
+  id: string
+  name_sv: string
+  name_en: string
+  group: TemplateGroup
+  direction: 'expense' | 'income' | 'transfer'
+  entity_applicability: 'all' | 'enskild_firma' | 'aktiebolag'
+  debit_account: string
+  credit_account: string
+  debit_account_ab?: string
+  credit_account_ab?: string
+  vat_treatment: VatTreatment | null
+  vat_rate: number
+  deductibility: 'full' | 'non_deductible' | 'conditional'
+  deductibility_note_sv?: string
+  special_rules_sv?: string
+  mcc_codes: number[]
+  keywords: string[]
+  risk_level: RiskLevel
+  requires_review: boolean
+  impact_score: number
+  auto_match_confidence: number
+  default_private: boolean
+  fallback_category: TransactionCategory
+  description_sv: string
+}
+
+export interface TemplateGroupInfo {
+  group: TemplateGroup
+  label_sv: string
+  label_en: string
+  templates: BookingTemplate[]
+}
+
+export interface TemplateMatch {
+  template: BookingTemplate
+  confidence: number
+}
+
+// ============================================================
+// Template Group Labels
+// ============================================================
+
+const GROUP_LABELS: Record<TemplateGroup, { sv: string; en: string }> = {
+  premises: { sv: 'Lokalkostnader', en: 'Premises' },
+  vehicle: { sv: 'Fordon', en: 'Vehicle' },
+  it_software: { sv: 'IT & Programvara', en: 'IT & Software' },
+  office_supplies: { sv: 'Kontorsmaterial', en: 'Office Supplies' },
+  marketing: { sv: 'Marknadsföring', en: 'Marketing' },
+  travel: { sv: 'Resor & Transport', en: 'Travel & Transport' },
+  representation: { sv: 'Representation', en: 'Representation' },
+  insurance: { sv: 'Försäkringar', en: 'Insurance' },
+  professional_services: { sv: 'Professionella tjänster', en: 'Professional Services' },
+  bank_finance: { sv: 'Bank & Finans', en: 'Banking & Finance' },
+  telecom: { sv: 'Telekom & Internet', en: 'Telecom & Internet' },
+  education: { sv: 'Utbildning', en: 'Education' },
+  personnel: { sv: 'Personal', en: 'Personnel' },
+  revenue: { sv: 'Intäkter', en: 'Revenue' },
+  financial: { sv: 'Finansiella poster', en: 'Financial Items' },
+  private_transfers: { sv: 'Privata transaktioner', en: 'Private Transfers' },
+  equipment: { sv: 'Inventarier & Utrustning', en: 'Equipment' },
+  subscriptions: { sv: 'Prenumerationer & Medlemskap', en: 'Subscriptions & Memberships' },
+}
+
+// ============================================================
+// Template Data (100 templates)
+// ============================================================
+
+export const BOOKING_TEMPLATES: readonly BookingTemplate[] = [
+  // --- PREMISES (1-8) ---
+  {
+    id: 'premises_rent',
+    name_sv: 'Lokalhyra',
+    name_en: 'Office rent',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5010',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Lokalhyra är momsfri om hyresvärden inte är frivilligt momsregistrerad',
+    mcc_codes: [],
+    keywords: ['hyra', 'lokal', 'kontor', 'rent', 'office space', 'kontorslokal'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 10,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Månadshyra för kontors- eller affärslokal',
+  },
+  {
+    id: 'premises_rent_vat',
+    name_sv: 'Lokalhyra (momsbelagd)',
+    name_en: 'Office rent (with VAT)',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5010',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    special_rules_sv: 'Gäller när hyresvärden är frivilligt momsregistrerad',
+    mcc_codes: [],
+    keywords: ['hyra', 'lokal', 'moms', 'kontorshyra'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Lokalhyra med moms (frivilligt momsregistrerad hyresvärd)',
+  },
+  {
+    id: 'premises_electricity',
+    name_sv: 'El',
+    name_en: 'Electricity',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5020',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [4900],
+    keywords: ['el', 'electricity', 'vattenfall', 'eon', 'fortum', 'ellevio', 'kraftbolag', 'elnät'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Elkostnad för kontors- eller affärslokal',
+  },
+  {
+    id: 'premises_heating',
+    name_sv: 'Uppvärmning',
+    name_en: 'Heating',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5030',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['värme', 'fjärrvärme', 'uppvärmning', 'heating'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Uppvärmningskostnad för lokal',
+  },
+  {
+    id: 'premises_water',
+    name_sv: 'Vatten & Avlopp',
+    name_en: 'Water & Sewage',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5040',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['vatten', 'avlopp', 'water', 'va-avgift'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Vatten- och avloppskostnader',
+  },
+  {
+    id: 'premises_cleaning',
+    name_sv: 'Städning',
+    name_en: 'Cleaning services',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5050',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7349],
+    keywords: ['städ', 'cleaning', 'rengöring', 'städfirma', 'lokalvård'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Städning av kontors- eller affärslokal',
+  },
+  {
+    id: 'premises_repairs',
+    name_sv: 'Reparation & Underhåll av lokal',
+    name_en: 'Premises repairs & maintenance',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5070',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [1520, 1711, 1731, 1740, 1750, 1761, 1771],
+    keywords: ['reparation', 'underhåll', 'renovering', 'repair', 'maintenance', 'lokal'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Reparation och underhåll av kontors- eller affärslokal',
+  },
+  {
+    id: 'premises_security',
+    name_sv: 'Bevakning & Larm',
+    name_en: 'Security & Alarms',
+    group: 'premises',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5060',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7382],
+    keywords: ['securitas', 'larm', 'bevakning', 'security', 'alarm', 'verisure'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Bevakning, larm och säkerhetstjänster',
+  },
+
+  // --- VEHICLE (9-15) ---
+  {
+    id: 'vehicle_fuel',
+    name_sv: 'Drivmedel',
+    name_en: 'Fuel',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5611',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    special_rules_sv: 'Drivmedel till firmabil, ej privat körning',
+    mcc_codes: [5541, 5542, 5983],
+    keywords: ['bensin', 'diesel', 'drivmedel', 'fuel', 'tank', 'okq8', 'circle k', 'preem', 'st1', 'shell', 'ingo'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Drivmedel (bensin/diesel) för tjänstefordon',
+  },
+  {
+    id: 'vehicle_leasing',
+    name_sv: 'Billeasing',
+    name_en: 'Car leasing',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5615',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Max 50% momsavdrag för personbil',
+    special_rules_sv: 'Personbil: halvt momsavdrag. Lastbil/lätt lastbil: fullt avdrag.',
+    mcc_codes: [7512, 7513],
+    keywords: ['leasing', 'billeasing', 'car lease', 'leasingavgift'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Leasingavgift för tjänstefordon',
+  },
+  {
+    id: 'vehicle_insurance',
+    name_sv: 'Fordonsförsäkring',
+    name_en: 'Vehicle insurance',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5612',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Försäkringar är momsfria',
+    mcc_codes: [6300],
+    keywords: ['bilförsäkring', 'fordonsförsäkring', 'car insurance', 'vehicle insurance', 'if', 'trygg-hansa', 'folksam'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Försäkring för tjänstefordon',
+  },
+  {
+    id: 'vehicle_repairs',
+    name_sv: 'Reparation & Service fordon',
+    name_en: 'Vehicle repairs & service',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5613',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5511, 5521, 5531, 5532, 5533, 7531, 7534, 7535, 7538, 7542],
+    keywords: ['bilverkstad', 'service', 'reparation', 'däck', 'mekonomen', 'autoexperten', 'bilprovning', 'besiktning'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Reparation, service och underhåll av fordon',
+  },
+  {
+    id: 'vehicle_parking',
+    name_sv: 'Parkering',
+    name_en: 'Parking',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5614',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7521, 7523],
+    keywords: ['parkering', 'parking', 'p-avgift', 'easypark', 'apcoa', 'q-park', 'aimo'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Parkeringsavgift vid tjänsteärende',
+  },
+  {
+    id: 'vehicle_toll',
+    name_sv: 'Trängselskatt & Vägtull',
+    name_en: 'Congestion tax & Road tolls',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5616',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Trängselskatt är inte momsbelagd',
+    mcc_codes: [4784],
+    keywords: ['trängselskatt', 'vägtull', 'toll', 'brobizz', 'congestion'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Trängselskatt och vägtullar',
+  },
+  {
+    id: 'vehicle_ev_charging',
+    name_sv: 'Laddning elbil',
+    name_en: 'EV charging',
+    group: 'vehicle',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5611',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5552],
+    keywords: ['laddning', 'elbil', 'charging', 'charge', 'tesla', 'ionity', 'recharge', 'mer'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Laddning av elbil för tjänstebruk',
+  },
+
+  // --- IT & SOFTWARE (16-25) ---
+  {
+    id: 'it_saas_subscription',
+    name_sv: 'Programvara / SaaS-prenumeration',
+    name_en: 'Software / SaaS subscription',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5734, 5817, 5818],
+    keywords: ['software', 'saas', 'programvara', 'licens', 'subscription', 'app', 'microsoft', 'google', 'adobe', 'slack', 'notion', 'figma', 'github', 'atlassian', 'jira'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 10,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Programvarulicens eller SaaS-prenumeration',
+  },
+  {
+    id: 'it_saas_eu',
+    name_sv: 'Programvara / SaaS (EU, omvänd moms)',
+    name_en: 'Software / SaaS (EU, reverse charge)',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'EU-tjänst med omvänd skattskyldighet',
+    mcc_codes: [5734, 5817, 5818],
+    keywords: ['software', 'saas', 'eu', 'ireland', 'reverse charge', 'omvänd moms'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Programvara från EU-land med omvänd skattskyldighet',
+  },
+  {
+    id: 'it_cloud_hosting',
+    name_sv: 'Molntjänster / Hosting',
+    name_en: 'Cloud services / Hosting',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5421',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Ofta EU/utländsk leverantör med omvänd skattskyldighet',
+    mcc_codes: [4816],
+    keywords: ['aws', 'azure', 'google cloud', 'gcp', 'hosting', 'server', 'cloud', 'vercel', 'heroku', 'digitalocean', 'cloudflare', 'hetzner'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 9,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Molnbaserade tjänster, webbhotell och serverhosting',
+  },
+  {
+    id: 'it_domain_name',
+    name_sv: 'Domännamn',
+    name_en: 'Domain name',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5421',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['domän', 'domain', 'dns', 'loopia', 'binero', 'godaddy', 'namecheap'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Registrering och förnyelse av domännamn',
+  },
+  {
+    id: 'it_hardware_small',
+    name_sv: 'IT-tillbehör (förbrukningsinventarie)',
+    name_en: 'IT accessories (consumable)',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5410',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    special_rules_sv: 'Under halva prisbasbeloppet = förbrukningsinventarie',
+    mcc_codes: [5045, 5065, 5732],
+    keywords: ['tangentbord', 'mus', 'headset', 'adapter', 'kabel', 'usb', 'monitor', 'skärm', 'dockningsstation', 'keyboard', 'mouse', 'webcam'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Mindre IT-tillbehör (under halva prisbasbeloppet)',
+  },
+  {
+    id: 'it_computer',
+    name_sv: 'Dator / Laptop',
+    name_en: 'Computer / Laptop',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5410',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    special_rules_sv: 'Över halva prisbasbeloppet = aktivering på konto 1250. Blandad användning → bara företagsdelen avdragsgill.',
+    mcc_codes: [5045, 5732],
+    keywords: ['dator', 'laptop', 'macbook', 'thinkpad', 'computer', 'pc', 'apple', 'dell', 'lenovo', 'hp'],
+    risk_level: 'LOW',
+    requires_review: true,
+    impact_score: 7,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Dator eller laptop (granska om aktivering krävs)',
+  },
+  {
+    id: 'it_phone',
+    name_sv: 'Mobiltelefon',
+    name_en: 'Mobile phone',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5410',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Blandad användning: bara yrkesmässig del avdragsgill',
+    mcc_codes: [5065, 4812],
+    keywords: ['mobil', 'telefon', 'iphone', 'samsung', 'phone', 'mobiltelefon'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 6,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Mobiltelefon (granska yrkesmässig andel)',
+  },
+  {
+    id: 'it_ai_services',
+    name_sv: 'AI-tjänster',
+    name_en: 'AI services',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Ofta utländsk leverantör (USA) med omvänd skattskyldighet',
+    mcc_codes: [],
+    keywords: ['openai', 'chatgpt', 'anthropic', 'claude', 'ai', 'midjourney', 'copilot'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'AI-plattformar och tjänster (ChatGPT, Claude, etc.)',
+  },
+  {
+    id: 'it_antivirus',
+    name_sv: 'Antivirus / Säkerhet',
+    name_en: 'Antivirus / Security',
+    group: 'it_software',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['antivirus', 'security', 'vpn', 'norton', 'kaspersky', '1password', 'lastpass', 'bitwarden'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Säkerhetsprogramvara och VPN-tjänster',
+  },
+
+  // --- OFFICE SUPPLIES (26-31) ---
+  {
+    id: 'office_supplies_general',
+    name_sv: 'Kontorsmaterial',
+    name_en: 'Office supplies',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6110',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5111, 5112, 5943, 5944],
+    keywords: ['kontorsmaterial', 'pennor', 'papper', 'office supplies', 'staples', 'kontorsvaror'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Kontorsmaterial och förbrukningsvaror',
+  },
+  {
+    id: 'office_printing',
+    name_sv: 'Tryck & Kopiering',
+    name_en: 'Printing & Copying',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6120',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [2741, 2791],
+    keywords: ['tryck', 'print', 'trycksaker', 'kopiering', 'visitkort', 'broschyr'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Trycksaker, kopior och kontorsutskrifter',
+  },
+  {
+    id: 'office_postage',
+    name_sv: 'Porto & Frakt',
+    name_en: 'Postage & Shipping',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6250',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Posttjänster är momsfria, frakttjänster kan ha moms',
+    mcc_codes: [4215, 4211],
+    keywords: ['porto', 'postnord', 'frakt', 'shipping', 'dhl', 'ups', 'fedex', 'bring', 'paket'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Porto och fraktkostnader',
+  },
+  {
+    id: 'office_postage_vat',
+    name_sv: 'Frakt (momsbelagd)',
+    name_en: 'Shipping (with VAT)',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6250',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [4215],
+    keywords: ['frakt', 'shipping', 'dhl', 'ups', 'schenker', 'transport'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Frakttjänster med moms',
+  },
+  {
+    id: 'office_furniture_small',
+    name_sv: 'Kontorsmöbler (förbrukningsinventarie)',
+    name_en: 'Office furniture (consumable)',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5410',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5712, 5021],
+    keywords: ['möbler', 'stol', 'skrivbord', 'ikea', 'furniture', 'kontorsstol', 'hyllor'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Kontorsmöbler under halva prisbasbeloppet',
+  },
+  {
+    id: 'office_books_lit',
+    name_sv: 'Facklitteratur',
+    name_en: 'Professional literature',
+    group: 'office_supplies',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6970',
+    credit_account: '1930',
+    vat_treatment: 'reduced_6',
+    vat_rate: 0.06,
+    deductibility: 'full',
+    special_rules_sv: 'Böcker har reducerad moms 6%',
+    mcc_codes: [5192, 5942],
+    keywords: ['bok', 'böcker', 'book', 'facklitteratur', 'adlibris', 'bokus', 'amazon'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_education',
+    description_sv: 'Yrkesrelaterad facklitteratur (6% moms)',
+  },
+
+  // --- MARKETING (32-38) ---
+  {
+    id: 'marketing_online_ads',
+    name_sv: 'Digital annonsering',
+    name_en: 'Online advertising',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5910',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Google/Meta fakturerar ofta från Irland → omvänd skattskyldighet',
+    mcc_codes: [7311],
+    keywords: ['google ads', 'facebook ads', 'meta ads', 'instagram ads', 'linkedin ads', 'annons', 'advertising', 'adwords', 'kampanj'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 9,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Digital annonsering (Google, Meta, LinkedIn etc.)',
+  },
+  {
+    id: 'marketing_print_ads',
+    name_sv: 'Tryckt annonsering',
+    name_en: 'Print advertising',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5910',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['annons', 'tidning', 'press', 'print ad', 'reklam'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 3,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Annonsering i tidningar och trycksaker',
+  },
+  {
+    id: 'marketing_design',
+    name_sv: 'Grafisk design / Webbdesign',
+    name_en: 'Graphic / Web design',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5920',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7333],
+    keywords: ['design', 'grafisk', 'logotyp', 'webb', 'website', 'logo', 'branding', 'grafiker'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Grafisk design, logotyper och webbdesign',
+  },
+  {
+    id: 'marketing_promotional',
+    name_sv: 'Reklamgåvor & Profilmaterial',
+    name_en: 'Promotional items',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5930',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Max 300 kr/mottagare exkl moms för reklamgåvor',
+    mcc_codes: [],
+    keywords: ['reklamgåva', 'profilmaterial', 'promotional', 'giveaway', 'tröjor', 'pennor'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 3,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Reklamgåvor och profilprodukter (max 300 kr/mottagare)',
+  },
+  {
+    id: 'marketing_seo_sem',
+    name_sv: 'SEO / SEM-tjänster',
+    name_en: 'SEO / SEM services',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5910',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['seo', 'sem', 'sökmotoroptimering', 'search engine'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Sökmotoroptimering och sökmarknadsföring',
+  },
+  {
+    id: 'marketing_social_media_tools',
+    name_sv: 'Verktyg för sociala medier',
+    name_en: 'Social media tools',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5920',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['hootsuite', 'buffer', 'later', 'canva', 'social media', 'sociala medier'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Verktyg för hantering av sociala medier',
+  },
+  {
+    id: 'marketing_photography',
+    name_sv: 'Fotografering / Videoproduktion',
+    name_en: 'Photography / Video production',
+    group: 'marketing',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5920',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7332, 7829],
+    keywords: ['foto', 'fotograf', 'video', 'film', 'photography', 'videoproduktion'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Professionell fotografering och videoproduktion',
+  },
+
+  // --- TRAVEL (39-46) ---
+  {
+    id: 'travel_domestic_flight',
+    name_sv: 'Inrikesflyg',
+    name_en: 'Domestic flight',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5810',
+    credit_account: '1930',
+    vat_treatment: 'reduced_6',
+    vat_rate: 0.06,
+    deductibility: 'full',
+    special_rules_sv: 'Inrikesflyg har 6% moms',
+    mcc_codes: [3000, 3001, 3002, 3003, 4511],
+    keywords: ['flyg', 'sas', 'norwegian', 'bra', 'flight', 'boarding', 'flygbiljett'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Inrikesflyg i tjänsten (6% moms)',
+  },
+  {
+    id: 'travel_international_flight',
+    name_sv: 'Utrikesflyg',
+    name_en: 'International flight',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5810',
+    credit_account: '1930',
+    vat_treatment: 'export',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Utrikesflyg är momsfritt',
+    mcc_codes: [3000, 3001, 3002, 3003, 4511],
+    keywords: ['flyg', 'flight', 'international', 'utrikes', 'airport'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Utrikesflyg i tjänsten (momsfritt)',
+  },
+  {
+    id: 'travel_train',
+    name_sv: 'Tåg & Kollektivtrafik',
+    name_en: 'Train & Public transport',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5810',
+    credit_account: '1930',
+    vat_treatment: 'reduced_6',
+    vat_rate: 0.06,
+    deductibility: 'full',
+    special_rules_sv: 'Persontransport har 6% moms',
+    mcc_codes: [4011, 4111, 4112, 4131],
+    keywords: ['sj', 'tåg', 'train', 'sl', 'västtrafik', 'skånetrafiken', 'kollektivtrafik', 'pendeltåg', 'tunnelbana'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Tåg och kollektivtrafik i tjänsten (6% moms)',
+  },
+  {
+    id: 'travel_taxi',
+    name_sv: 'Taxi',
+    name_en: 'Taxi',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5810',
+    credit_account: '1930',
+    vat_treatment: 'reduced_6',
+    vat_rate: 0.06,
+    deductibility: 'full',
+    mcc_codes: [4121],
+    keywords: ['taxi', 'uber', 'bolt', 'cab', 'taxikurir', 'taxi stockholm', 'sverigetaxi'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Taxi i tjänsten (6% moms)',
+  },
+  {
+    id: 'travel_hotel',
+    name_sv: 'Hotell',
+    name_en: 'Hotel',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5820',
+    credit_account: '1930',
+    vat_treatment: 'reduced_12',
+    vat_rate: 0.12,
+    deductibility: 'full',
+    special_rules_sv: 'Logi har 12% moms. Frukost särredovisas med 12% moms.',
+    mcc_codes: [3501, 3502, 3503, 3504, 7011],
+    keywords: ['hotell', 'hotel', 'logi', 'övernattning', 'scandic', 'elite', 'best western', 'booking', 'airbnb'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Hotellövernattning i tjänsten (12% moms)',
+  },
+  {
+    id: 'travel_mileage',
+    name_sv: 'Milersättning',
+    name_en: 'Mileage allowance',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '5811',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Skattefritt 25 kr/mil (2024). Gäller egen bil i tjänsten.',
+    mcc_codes: [],
+    keywords: ['milersättning', 'mileage', 'körjournal', 'bilersättning'],
+    risk_level: 'LOW',
+    requires_review: true,
+    impact_score: 5,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Milersättning vid användning av egen bil i tjänsten',
+  },
+  {
+    id: 'travel_per_diem',
+    name_sv: 'Traktamente',
+    name_en: 'Per diem',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '5830',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Skattefritt traktamente vid tjänsteresa med övernattning',
+    mcc_codes: [],
+    keywords: ['traktamente', 'per diem', 'dagtraktamente'],
+    risk_level: 'LOW',
+    requires_review: true,
+    impact_score: 4,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Traktamente vid tjänsteresa med övernattning',
+  },
+  {
+    id: 'travel_rental_car',
+    name_sv: 'Hyrbil',
+    name_en: 'Rental car',
+    group: 'travel',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5810',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7512],
+    keywords: ['hyrbil', 'rental car', 'europcar', 'hertz', 'avis', 'sixt'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_travel',
+    description_sv: 'Hyrbil i tjänsten',
+  },
+
+  // --- REPRESENTATION (47-50) ---
+  {
+    id: 'representation_external',
+    name_sv: 'Extern representation (måltid)',
+    name_en: 'External representation (meal)',
+    group: 'representation',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6071',
+    credit_account: '1930',
+    vat_treatment: 'reduced_12',
+    vat_rate: 0.12,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Max 300 kr/person exkl moms (IL 16 kap 2§)',
+    special_rules_sv: 'Dokumentera: syfte, deltagare, företag. Momsavdrag max 300 kr/person.',
+    mcc_codes: [5812, 5813, 5814],
+    keywords: ['representation', 'lunch', 'middag', 'restaurang', 'restaurant', 'kund', 'kundmöte'],
+    risk_level: 'HIGH',
+    requires_review: true,
+    impact_score: 7,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Representation med kund/affärspartner (dokumentera noggrant)',
+  },
+  {
+    id: 'representation_internal',
+    name_sv: 'Intern representation (personalaktivitet)',
+    name_en: 'Internal representation (staff event)',
+    group: 'representation',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '6072',
+    credit_account: '1930',
+    vat_treatment: 'reduced_12',
+    vat_rate: 0.12,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Max 300 kr/person exkl moms',
+    special_rules_sv: 'Gäller personalfester, kick-offs etc. Max 2 tillfällen/år för fullt avdrag.',
+    mcc_codes: [],
+    keywords: ['personalfest', 'kick-off', 'teambuilding', 'julbord', 'sommarfest'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 3,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Intern representation för personal',
+  },
+  {
+    id: 'representation_gift',
+    name_sv: 'Representationsgåva',
+    name_en: 'Business gift',
+    group: 'representation',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6071',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Max 180 kr/mottagare för representationsgåvor',
+    mcc_codes: [],
+    keywords: ['gåva', 'present', 'gift', 'representationsgåva'],
+    risk_level: 'HIGH',
+    requires_review: true,
+    impact_score: 2,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Gåva till kund/affärspartner (max 180 kr/mottagare)',
+  },
+  {
+    id: 'representation_conference',
+    name_sv: 'Konferens & Mässa',
+    name_en: 'Conference & Trade show',
+    group: 'representation',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5990',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7941, 7922],
+    keywords: ['konferens', 'mässa', 'conference', 'trade show', 'event', 'utställning', 'biljett'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_education',
+    description_sv: 'Avgifter för konferenser och mässor',
+  },
+
+  // --- INSURANCE (51-54) ---
+  {
+    id: 'insurance_business',
+    name_sv: 'Företagsförsäkring',
+    name_en: 'Business insurance',
+    group: 'insurance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6310',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Försäkringspremier är momsfria',
+    mcc_codes: [6300],
+    keywords: ['försäkring', 'insurance', 'företagsförsäkring', 'ansvarsförsäkring', 'if', 'trygg-hansa', 'länsförsäkringar'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Företagsförsäkring (egendoms-, ansvars- eller avbrottsförsäkring)',
+  },
+  {
+    id: 'insurance_liability',
+    name_sv: 'Ansvarsförsäkring / Konsultförsäkring',
+    name_en: 'Liability / Professional insurance',
+    group: 'insurance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6310',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['ansvarsförsäkring', 'konsultförsäkring', 'liability', 'professional insurance'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Yrkes- eller ansvarsförsäkring',
+  },
+  {
+    id: 'insurance_pension_ef',
+    name_sv: 'Pensionsförsäkring (EF)',
+    name_en: 'Pension insurance (EF)',
+    group: 'insurance',
+    direction: 'expense',
+    entity_applicability: 'enskild_firma',
+    debit_account: '6530',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Avdragsgill i NE-deklarationen, inte i bokföringen direkt',
+    special_rules_sv: 'EF: Pensionssparande dras av i NE-blanketten, inte som kostnad i rörelsen.',
+    mcc_codes: [],
+    keywords: ['pension', 'pensionsförsäkring', 'itp', 'avanza pension', 'spp'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 4,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Pensionssparande för enskild firma (granska avdragsregel)',
+  },
+  {
+    id: 'insurance_pension_ab',
+    name_sv: 'Pensionsförsäkring (AB)',
+    name_en: 'Pension insurance (AB)',
+    group: 'insurance',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '7410',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'AB: Pensionskostnad är en avdragsgill personalkostnad',
+    mcc_codes: [],
+    keywords: ['pension', 'pensionsförsäkring', 'itp', 'tjänstepension'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Tjänstepension för anställda i aktiebolag',
+  },
+
+  // --- PROFESSIONAL SERVICES (55-60) ---
+  {
+    id: 'prof_accounting',
+    name_sv: 'Redovisningstjänster',
+    name_en: 'Accounting services',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6530',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [8931],
+    keywords: ['redovisning', 'bokföring', 'revisor', 'accounting', 'bokföringstjänst', 'redovisningsbyrå'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_professional_services',
+    description_sv: 'Redovisning, bokföring och revisionstjänster',
+  },
+  {
+    id: 'prof_legal',
+    name_sv: 'Juridiska tjänster',
+    name_en: 'Legal services',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6530',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [8111],
+    keywords: ['advokat', 'juridisk', 'legal', 'lawyer', 'jurist', 'avtal', 'kontrakt'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_professional_services',
+    description_sv: 'Advokattjänster och juridisk rådgivning',
+  },
+  {
+    id: 'prof_consulting',
+    name_sv: 'Konsulttjänster',
+    name_en: 'Consulting services',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6550',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7392],
+    keywords: ['konsult', 'consulting', 'rådgivning', 'advisory', 'management'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_professional_services',
+    description_sv: 'Konsultarvoden och rådgivningstjänster',
+  },
+  {
+    id: 'prof_bolagsverket',
+    name_sv: 'Bolagsverket-avgifter',
+    name_en: 'Companies Registration Office fees',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6990',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Myndighetsavgifter är inte momspliktiga',
+    mcc_codes: [],
+    keywords: ['bolagsverket', 'registrering', 'årsredovisning', 'companies registration'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Avgifter till Bolagsverket (registrering, årsredovisning etc.)',
+  },
+  {
+    id: 'prof_patent',
+    name_sv: 'Patent & Varumärken',
+    name_en: 'Patents & Trademarks',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6990',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['patent', 'varumärke', 'trademark', 'prv', 'immaterialrätt'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 2,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Patent- och varumärkesregistrering',
+  },
+  {
+    id: 'prof_recruitment',
+    name_sv: 'Rekryteringstjänster',
+    name_en: 'Recruitment services',
+    group: 'professional_services',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '6540',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [7361],
+    keywords: ['rekrytering', 'recruitment', 'headhunting', 'personalförmedling'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 3,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_professional_services',
+    description_sv: 'Rekrytering och personalförmedlingstjänster',
+  },
+
+  // --- BANK & FINANCE (61-66) ---
+  {
+    id: 'bank_fees',
+    name_sv: 'Bankavgifter',
+    name_en: 'Bank fees',
+    group: 'bank_finance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6570',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Banktjänster är momsfria',
+    mcc_codes: [6010, 6011, 6012],
+    keywords: ['bankavgift', 'bank fee', 'kontoavgift', 'årsavgift', 'månadsavgift'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 9,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_bank_fees',
+    description_sv: 'Bankavgifter och kontoavgifter',
+  },
+  {
+    id: 'bank_card_fees',
+    name_sv: 'Kortavgifter / Betalterminal',
+    name_en: 'Card fees / Payment terminal',
+    group: 'bank_finance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6570',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['kortavgift', 'zettle', 'izettle', 'stripe', 'klarna', 'swish', 'betalterminal', 'card fee', 'nets'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_card_fees',
+    description_sv: 'Kortavgifter och betalterminalavgifter',
+  },
+  {
+    id: 'bank_interest_income',
+    name_sv: 'Ränteintäkt',
+    name_en: 'Interest income',
+    group: 'bank_finance',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '8310',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['ränta', 'ränteinkomst', 'interest income', 'sparränta'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'income_other',
+    description_sv: 'Ränteintäkter på bankkonto eller placeringar',
+  },
+  {
+    id: 'bank_interest_expense',
+    name_sv: 'Räntekostnad',
+    name_en: 'Interest expense',
+    group: 'bank_finance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '8410',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['ränta', 'räntekostnad', 'interest expense', 'låneränta'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Räntekostnad på lån eller kredit',
+  },
+  {
+    id: 'bank_currency_loss',
+    name_sv: 'Valutakursförlust',
+    name_en: 'Currency exchange loss',
+    group: 'bank_finance',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '7960',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [6051],
+    keywords: ['valuta', 'currency', 'växling', 'kursförlust', 'exchange'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_currency_exchange',
+    description_sv: 'Valutakursförluster vid betalning i utländsk valuta',
+  },
+  {
+    id: 'bank_currency_gain',
+    name_sv: 'Valutakursvinst',
+    name_en: 'Currency exchange gain',
+    group: 'bank_finance',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3960',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['valuta', 'currency', 'kursvinst', 'exchange gain'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 3,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_other',
+    description_sv: 'Valutakursvinster vid betalning i utländsk valuta',
+  },
+
+  // --- TELECOM (67-70) ---
+  {
+    id: 'telecom_mobile',
+    name_sv: 'Mobilabonnemang',
+    name_en: 'Mobile subscription',
+    group: 'telecom',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6211',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Blandad användning: bara yrkesmässig del avdragsgill',
+    mcc_codes: [4812, 4814],
+    keywords: ['mobil', 'tele2', 'telia', 'tre', 'telenor', 'hallon', 'comviq', 'mobilabonnemang', 'telefon'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Mobilabonnemang (granska yrkesmässig andel)',
+  },
+  {
+    id: 'telecom_internet',
+    name_sv: 'Internetanslutning',
+    name_en: 'Internet connection',
+    group: 'telecom',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6230',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [4816],
+    keywords: ['internet', 'bredband', 'fiber', 'broadband', 'bahnhof', 'telia', 'comhem'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 7,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Internetanslutning för kontor',
+  },
+  {
+    id: 'telecom_landline',
+    name_sv: 'Fast telefoni',
+    name_en: 'Landline phone',
+    group: 'telecom',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6212',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [4813],
+    keywords: ['fast telefon', 'landline', 'växel', 'ip-telefoni', 'voip'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 3,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Fast telefoni och IP-telefoni',
+  },
+  {
+    id: 'telecom_coworking',
+    name_sv: 'Coworking / Kontorshotell',
+    name_en: 'Coworking space',
+    group: 'telecom',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5010',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['coworking', 'kontorshotell', 'wework', 'norrsken', 'epicenter', 'united spaces', 'regus'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_office',
+    description_sv: 'Coworking-plats eller kontorshotell',
+  },
+
+  // --- EDUCATION (71-73) ---
+  {
+    id: 'education_course',
+    name_sv: 'Kurs / Utbildning',
+    name_en: 'Course / Training',
+    group: 'education',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6991',
+    credit_account: '1930',
+    debit_account_ab: '7610',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Utbildningstjänster är momsfria. AB: konto 7610, EF: konto 6991.',
+    mcc_codes: [8220, 8241, 8244, 8249, 8299],
+    keywords: ['kurs', 'utbildning', 'course', 'training', 'workshop', 'certifiering', 'certification'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_education',
+    description_sv: 'Yrkesrelaterade kurser och utbildningar',
+  },
+  {
+    id: 'education_online_course',
+    name_sv: 'Onlinekurs (EU/utländsk)',
+    name_en: 'Online course (EU/foreign)',
+    group: 'education',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6991',
+    credit_account: '1930',
+    debit_account_ab: '7610',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Utländska onlinekurser kan vara tjänst med omvänd skattskyldighet',
+    mcc_codes: [5815, 5816],
+    keywords: ['udemy', 'coursera', 'pluralsight', 'linkedin learning', 'skillshare', 'online course'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_education',
+    description_sv: 'Onlinekurser från utländska plattformar',
+  },
+  {
+    id: 'education_membership',
+    name_sv: 'Branschförening / Medlemskap',
+    name_en: 'Trade association / Membership',
+    group: 'education',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6980',
+    credit_account: '1930',
+    vat_treatment: 'exempt',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Föreningsavgifter är normalt momsfria',
+    mcc_codes: [8641, 8651, 8661, 8699],
+    keywords: ['medlemskap', 'membership', 'förening', 'branschorganisation', 'förbund', 'svenskt näringsliv', 'företagarna'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_education',
+    description_sv: 'Medlemsavgift i branschorganisation eller yrkesförening',
+  },
+
+  // --- PERSONNEL (74-78) ---
+  {
+    id: 'personnel_salary',
+    name_sv: 'Lön (netto)',
+    name_en: 'Salary (net)',
+    group: 'personnel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '7210',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['lön', 'salary', 'nettolön', 'löneutbetalning'],
+    risk_level: 'NONE',
+    requires_review: true,
+    impact_score: 8,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Nettolön till anställd',
+  },
+  {
+    id: 'personnel_employer_tax',
+    name_sv: 'Arbetsgivaravgifter',
+    name_en: 'Employer social contributions',
+    group: 'personnel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '7510',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['arbetsgivaravgift', 'sociala avgifter', 'employer tax', 'skattekonto'],
+    risk_level: 'NONE',
+    requires_review: true,
+    impact_score: 7,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Arbetsgivaravgifter (31.42%)',
+  },
+  {
+    id: 'personnel_preliminary_tax',
+    name_sv: 'Preliminärskatt (AB)',
+    name_en: 'Preliminary tax (AB)',
+    group: 'personnel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '2510',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['preliminärskatt', 'skatt', 'tax', 'skatteverket', 'skattekonto'],
+    risk_level: 'NONE',
+    requires_review: true,
+    impact_score: 7,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Preliminärskatt till Skatteverket',
+  },
+  {
+    id: 'personnel_friskvard',
+    name_sv: 'Friskvårdsbidrag',
+    name_en: 'Wellness benefit',
+    group: 'personnel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '7690',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Skattefritt max 5 000 kr/anställd/år (2024)',
+    special_rules_sv: 'Friskvård är momsfri. Max 5 000 kr/år per anställd för skattefrihet.',
+    mcc_codes: [7941, 7991, 7992, 7997],
+    keywords: ['friskvård', 'gym', 'träning', 'wellness', 'friskvårdsbidrag'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Friskvårdsbidrag till anställd (max 5 000 kr/år)',
+  },
+  {
+    id: 'personnel_staff_food',
+    name_sv: 'Personalmat / Fika',
+    name_en: 'Staff meals / Coffee',
+    group: 'personnel',
+    direction: 'expense',
+    entity_applicability: 'aktiebolag',
+    debit_account: '7690',
+    credit_account: '1930',
+    vat_treatment: 'reduced_12',
+    vat_rate: 0.12,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Enklare förtäring (kaffe, frukt) avdragsgillt utan beloppsgräns. Mat = förmånsbeskattning.',
+    mcc_codes: [5812, 5814],
+    keywords: ['fika', 'kaffe', 'frukt', 'personalmat', 'staff food'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Enklare förtäring för personal (kaffe, frukt etc.)',
+  },
+
+  // --- REVENUE (79-85) ---
+  {
+    id: 'revenue_services_25',
+    name_sv: 'Tjänsteförsäljning 25% moms',
+    name_en: 'Service revenue 25% VAT',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3001',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['konsult', 'tjänst', 'service', 'arvode', 'fee', 'faktura'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 10,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'income_services',
+    description_sv: 'Intäkter från tjänsteförsäljning med 25% moms',
+  },
+  {
+    id: 'revenue_products_25',
+    name_sv: 'Varuförsäljning 25% moms',
+    name_en: 'Product revenue 25% VAT',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3001',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['försäljning', 'vara', 'produkt', 'product', 'sale'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 9,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_products',
+    description_sv: 'Intäkter från varuförsäljning med 25% moms',
+  },
+  {
+    id: 'revenue_products_12',
+    name_sv: 'Varuförsäljning 12% moms (livsmedel)',
+    name_en: 'Product revenue 12% VAT (food)',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3002',
+    vat_treatment: 'reduced_12',
+    vat_rate: 0.12,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['livsmedel', 'mat', 'food', 'restaurang'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_products',
+    description_sv: 'Intäkter från livsmedelsförsäljning med 12% moms',
+  },
+  {
+    id: 'revenue_products_6',
+    name_sv: 'Försäljning 6% moms (kultur/böcker)',
+    name_en: 'Revenue 6% VAT (culture/books)',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3003',
+    vat_treatment: 'reduced_6',
+    vat_rate: 0.06,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['kultur', 'bok', 'tidning', 'evenemang', 'culture', 'book'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_products',
+    description_sv: 'Intäkter med 6% moms (böcker, kultur, evenemang)',
+  },
+  {
+    id: 'revenue_eu_services',
+    name_sv: 'Tjänsteförsäljning EU (omvänd moms)',
+    name_en: 'Service revenue EU (reverse charge)',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3308',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Tjänsteförsäljning till EU-företag → omvänd skattskyldighet, rapportera i ruta 39',
+    mcc_codes: [],
+    keywords: ['eu', 'export', 'eu service', 'reverse charge', 'utlandsförsäljning'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 6,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_services',
+    description_sv: 'Tjänsteförsäljning till EU-företag (momsfritt, ruta 39)',
+  },
+  {
+    id: 'revenue_export',
+    name_sv: 'Export utanför EU',
+    name_en: 'Export outside EU',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3305',
+    vat_treatment: 'export',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Export utanför EU → momsfritt, rapportera i ruta 40',
+    mcc_codes: [],
+    keywords: ['export', 'utland', 'usa', 'utanför eu', 'non-eu'],
+    risk_level: 'LOW',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'income_services',
+    description_sv: 'Export av varor/tjänster utanför EU (momsfritt, ruta 40)',
+  },
+  {
+    id: 'revenue_other',
+    name_sv: 'Övrig intäkt',
+    name_en: 'Other revenue',
+    group: 'revenue',
+    direction: 'income',
+    entity_applicability: 'all',
+    debit_account: '1930',
+    credit_account: '3900',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['övrigt', 'miscellaneous', 'other income', 'övrig intäkt'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'income_other',
+    description_sv: 'Övriga rörelseintäkter',
+  },
+
+  // --- FINANCIAL (86-88) ---
+  {
+    id: 'financial_loan_repayment',
+    name_sv: 'Amortering lån',
+    name_en: 'Loan repayment',
+    group: 'financial',
+    direction: 'transfer',
+    entity_applicability: 'all',
+    debit_account: '2350',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['amortering', 'lån', 'loan', 'repayment', 'avbetalning'],
+    risk_level: 'NONE',
+    requires_review: true,
+    impact_score: 5,
+    auto_match_confidence: 0.75,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Amortering av banklån',
+  },
+  {
+    id: 'financial_tax_account',
+    name_sv: 'Insättning skattekonto',
+    name_en: 'Tax account deposit',
+    group: 'financial',
+    direction: 'transfer',
+    entity_applicability: 'all',
+    debit_account: '1630',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['skattekonto', 'skatteverket', 'tax account', 'f-skatt', 'moms inbetalning'],
+    risk_level: 'NONE',
+    requires_review: true,
+    impact_score: 8,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Insättning på skattekonto hos Skatteverket',
+  },
+  {
+    id: 'financial_savings_transfer',
+    name_sv: 'Överföring till sparkonto',
+    name_en: 'Transfer to savings account',
+    group: 'financial',
+    direction: 'transfer',
+    entity_applicability: 'all',
+    debit_account: '1940',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['sparkonto', 'savings', 'överföring', 'transfer'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Överföring mellan företagets bankkonton',
+  },
+
+  // --- PRIVATE TRANSFERS (89-92) ---
+  {
+    id: 'private_withdrawal_ef',
+    name_sv: 'Eget uttag (EF)',
+    name_en: 'Owner withdrawal (EF)',
+    group: 'private_transfers',
+    direction: 'transfer',
+    entity_applicability: 'enskild_firma',
+    debit_account: '2013',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'non_deductible',
+    mcc_codes: [],
+    keywords: ['eget uttag', 'privat', 'withdrawal', 'egen insättning'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 10,
+    auto_match_confidence: 0.85,
+    default_private: true,
+    fallback_category: 'private',
+    description_sv: 'Privat uttag från företagskonto (enskild firma)',
+  },
+  {
+    id: 'private_deposit_ef',
+    name_sv: 'Egen insättning (EF)',
+    name_en: 'Owner deposit (EF)',
+    group: 'private_transfers',
+    direction: 'transfer',
+    entity_applicability: 'enskild_firma',
+    debit_account: '1930',
+    credit_account: '2018',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'non_deductible',
+    mcc_codes: [],
+    keywords: ['egen insättning', 'insättning', 'deposit', 'tillskott'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.80,
+    default_private: true,
+    fallback_category: 'private',
+    description_sv: 'Egen insättning till företagskonto (enskild firma)',
+  },
+  {
+    id: 'private_shareholder_loan',
+    name_sv: 'Skuld till aktieägare (AB)',
+    name_en: 'Shareholder loan (AB)',
+    group: 'private_transfers',
+    direction: 'transfer',
+    entity_applicability: 'aktiebolag',
+    debit_account: '2893',
+    credit_account: '1930',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'non_deductible',
+    mcc_codes: [],
+    keywords: ['aktieägare', 'lån', 'shareholder', 'skuld till ägare'],
+    risk_level: 'LOW',
+    requires_review: true,
+    impact_score: 6,
+    auto_match_confidence: 0.75,
+    default_private: true,
+    fallback_category: 'private',
+    description_sv: 'Utbetalning bokförd som skuld till aktieägare',
+  },
+  {
+    id: 'private_expense',
+    name_sv: 'Privat kostnad',
+    name_en: 'Private expense',
+    group: 'private_transfers',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '2013',
+    credit_account: '1930',
+    debit_account_ab: '2893',
+    vat_treatment: null,
+    vat_rate: 0,
+    deductibility: 'non_deductible',
+    mcc_codes: [],
+    keywords: ['privat', 'private', 'personlig', 'personal'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 9,
+    auto_match_confidence: 0.85,
+    default_private: true,
+    fallback_category: 'private',
+    description_sv: 'Privat kostnad betald från företagskonto',
+  },
+
+  // --- EQUIPMENT (93-95) ---
+  {
+    id: 'equipment_tools',
+    name_sv: 'Verktyg & Maskiner (förbrukning)',
+    name_en: 'Tools & Machinery (consumable)',
+    group: 'equipment',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5410',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [5200, 5251, 5261, 5072],
+    keywords: ['verktyg', 'maskin', 'tool', 'machine', 'biltema', 'jula', 'bauhaus', 'hornbach'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.80,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Verktyg och maskiner under halva prisbasbeloppet',
+  },
+  {
+    id: 'equipment_capital',
+    name_sv: 'Inventarie (aktivering)',
+    name_en: 'Capital equipment (capitalize)',
+    group: 'equipment',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '1250',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    special_rules_sv: 'Över halva prisbasbeloppet: aktivera och skriv av. Avskrivning konto 7832.',
+    mcc_codes: [],
+    keywords: ['inventarie', 'anläggningstillgång', 'capital', 'aktivering', 'avskrivning'],
+    risk_level: 'LOW',
+    requires_review: true,
+    impact_score: 4,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_equipment',
+    description_sv: 'Inventarie som ska aktiveras och skrivas av',
+  },
+  {
+    id: 'equipment_work_clothes',
+    name_sv: 'Arbetskläder / Skyddsutrustning',
+    name_en: 'Work clothes / Safety equipment',
+    group: 'equipment',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5480',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Normala kläder ej avdragsgilla. Skyddskläder/uniformer med logotyp OK.',
+    special_rules_sv: 'Vardagskläder ej avdragsgilla (RÅ 1988 ref. 35). Skyddskläder och arbetskläder med tydlig företagsprofil OK.',
+    mcc_codes: [5651, 5691, 5699],
+    keywords: ['arbetskläder', 'skyddsutrustning', 'uniform', 'safety', 'skyddsskor'],
+    risk_level: 'HIGH',
+    requires_review: true,
+    impact_score: 4,
+    auto_match_confidence: 0.70,
+    default_private: false,
+    fallback_category: 'expense_other',
+    description_sv: 'Arbetskläder och skyddsutrustning (ej vardagskläder)',
+  },
+
+  // --- SUBSCRIPTIONS (96-100) ---
+  {
+    id: 'subscription_accounting_software',
+    name_sv: 'Bokföringsprogram',
+    name_en: 'Accounting software',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '6530',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['bokföring', 'fortnox', 'visma', 'bokio', 'dooer', 'accounting software'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 8,
+    auto_match_confidence: 0.90,
+    default_private: false,
+    fallback_category: 'expense_professional_services',
+    description_sv: 'Prenumeration på bokföringsprogramvara',
+  },
+  {
+    id: 'subscription_project_tools',
+    name_sv: 'Projektverktyg',
+    name_en: 'Project management tools',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Ofta utländsk leverantör med omvänd skattskyldighet',
+    mcc_codes: [],
+    keywords: ['asana', 'monday', 'trello', 'basecamp', 'clickup', 'linear', 'project management'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Projekthanteringsverktyg',
+  },
+  {
+    id: 'subscription_email_marketing',
+    name_sv: 'E-postmarknadsföring',
+    name_en: 'Email marketing',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5920',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    mcc_codes: [],
+    keywords: ['mailchimp', 'sendgrid', 'mailgun', 'brevo', 'email marketing', 'nyhetsbrev', 'newsletter'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 4,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_marketing',
+    description_sv: 'Verktyg för e-postmarknadsföring och nyhetsbrev',
+  },
+  {
+    id: 'subscription_music_streaming',
+    name_sv: 'Musik-/Mediestreaming (företag)',
+    name_en: 'Music/Media streaming (business)',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'standard_25',
+    vat_rate: 0.25,
+    deductibility: 'conditional',
+    deductibility_note_sv: 'Avdragsgillt bara om det används yrkesmässigt (t.ex. bakgrundsmusik i butik)',
+    mcc_codes: [5815, 4899],
+    keywords: ['spotify', 'apple music', 'streaming', 'musik'],
+    risk_level: 'MEDIUM',
+    requires_review: true,
+    impact_score: 3,
+    auto_match_confidence: 0.70,
+    default_private: true,
+    fallback_category: 'expense_other',
+    description_sv: 'Musikstreaming (ofta privat, granska yrkesmässig användning)',
+  },
+  {
+    id: 'subscription_crm',
+    name_sv: 'CRM-system',
+    name_en: 'CRM system',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Ofta utländsk leverantör med omvänd skattskyldighet',
+    mcc_codes: [],
+    keywords: ['hubspot', 'salesforce', 'pipedrive', 'crm', 'kundhantering'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'CRM-system för kundhantering',
+  },
+  {
+    id: 'subscription_storage',
+    name_sv: 'Molnlagring',
+    name_en: 'Cloud storage',
+    group: 'subscriptions',
+    direction: 'expense',
+    entity_applicability: 'all',
+    debit_account: '5420',
+    credit_account: '1930',
+    vat_treatment: 'reverse_charge',
+    vat_rate: 0,
+    deductibility: 'full',
+    special_rules_sv: 'Ofta utländsk leverantör med omvänd skattskyldighet',
+    mcc_codes: [],
+    keywords: ['dropbox', 'google drive', 'onedrive', 'icloud', 'storage', 'lagring', 'backup'],
+    risk_level: 'NONE',
+    requires_review: false,
+    impact_score: 5,
+    auto_match_confidence: 0.85,
+    default_private: false,
+    fallback_category: 'expense_software',
+    description_sv: 'Molnlagring och backup-tjänster',
+  },
+]
+
+// ============================================================
+// Lookup Indexes (built once at module load)
+// ============================================================
+
+const templateById = new Map<string, BookingTemplate>()
+const templatesByGroup = new Map<TemplateGroup, BookingTemplate[]>()
+const templatesByMcc = new Map<number, BookingTemplate[]>()
+
+for (const t of BOOKING_TEMPLATES) {
+  templateById.set(t.id, t)
+
+  const groupList = templatesByGroup.get(t.group) || []
+  groupList.push(t)
+  templatesByGroup.set(t.group, groupList)
+
+  for (const mcc of t.mcc_codes) {
+    const mccList = templatesByMcc.get(mcc) || []
+    mccList.push(t)
+    templatesByMcc.set(mcc, mccList)
+  }
+}
+
+// ============================================================
+// Public API
+// ============================================================
+
+/** O(1) lookup by template ID */
+export function getTemplateById(id: string): BookingTemplate | undefined {
+  return templateById.get(id)
+}
+
+/** Get all templates in a group */
+export function getTemplatesByGroup(group: TemplateGroup): BookingTemplate[] {
+  return templatesByGroup.get(group) || []
+}
+
+/** Get templates matching a specific MCC code */
+export function getTemplatesByMcc(mcc: number): BookingTemplate[] {
+  return templatesByMcc.get(mcc) || []
+}
+
+/** Get all groups with labels and their templates */
+export function getTemplateGroups(): TemplateGroupInfo[] {
+  const groups: TemplateGroupInfo[] = []
+  for (const [group, labels] of Object.entries(GROUP_LABELS)) {
+    const g = group as TemplateGroup
+    groups.push({
+      group: g,
+      label_sv: labels.sv,
+      label_en: labels.en,
+      templates: templatesByGroup.get(g) || [],
+    })
+  }
+  return groups
+}
+
+/**
+ * Fuzzy search templates by name, keywords, or description.
+ * Optionally filter by entity type.
+ */
+export function searchTemplates(query: string, entityType?: EntityType): BookingTemplate[] {
+  if (!query.trim()) return []
+  const q = query.toLowerCase()
+  const tokens = q.split(/\s+/).filter(Boolean)
+
+  return BOOKING_TEMPLATES.filter((t) => {
+    // Filter by entity applicability
+    if (entityType && t.entity_applicability !== 'all' && t.entity_applicability !== entityType) {
+      return false
+    }
+
+    // Check if all tokens match somewhere
+    return tokens.every((token) =>
+      t.name_sv.toLowerCase().includes(token) ||
+      t.name_en.toLowerCase().includes(token) ||
+      t.description_sv.toLowerCase().includes(token) ||
+      t.keywords.some((kw) => kw.toLowerCase().includes(token)) ||
+      t.id.includes(token)
+    )
+  })
+}
+
+/**
+ * Multi-signal matching against a transaction.
+ * Returns top 5 matches sorted by confidence descending.
+ */
+export function findMatchingTemplates(
+  transaction: Transaction,
+  entityType?: EntityType
+): TemplateMatch[] {
+  const results: TemplateMatch[] = []
+  const isExpense = transaction.amount < 0
+  const isIncome = transaction.amount > 0
+
+  const descLower = (transaction.description || '').toLowerCase()
+  const merchantLower = (transaction.merchant_name || '').toLowerCase()
+  const searchText = `${descLower} ${merchantLower}`
+
+  for (const t of BOOKING_TEMPLATES) {
+    // Filter entity applicability
+    if (entityType && t.entity_applicability !== 'all' && t.entity_applicability !== entityType) {
+      continue
+    }
+
+    // Filter direction
+    if (t.direction === 'expense' && !isExpense) continue
+    if (t.direction === 'income' && !isIncome) continue
+    // 'transfer' templates match both directions
+
+    let score = 0
+
+    // MCC exact match: +0.4
+    if (transaction.mcc_code && t.mcc_codes.includes(transaction.mcc_code)) {
+      score += 0.4
+    }
+
+    // Keyword matches in description + merchant: +0.3 (proportional)
+    if (t.keywords.length > 0) {
+      let matchedKeywords = 0
+      for (const kw of t.keywords) {
+        if (searchText.includes(kw.toLowerCase())) {
+          matchedKeywords++
+        }
+      }
+      if (matchedKeywords > 0) {
+        score += 0.3 * Math.min(matchedKeywords / Math.min(t.keywords.length, 3), 1)
+      }
+    }
+
+    // Direction match bonus: +0.1 (only if there's already a signal)
+    if (score > 0 && ((t.direction === 'expense' && isExpense) || (t.direction === 'income' && isIncome))) {
+      score += 0.1
+    }
+
+    if (score > 0) {
+      const confidence = Math.round(score * t.auto_match_confidence * 100) / 100
+      results.push({ template: t, confidence })
+    }
+  }
+
+  return results
+    .sort((a, b) => b.confidence - a.confidence)
+    .slice(0, 5)
+}
+
+/**
+ * Convert a booking template into a MappingResult.
+ * Follows the same pattern as buildMappingResultFromCategory in category-mapping.ts.
+ */
+export function buildMappingResultFromTemplate(
+  template: BookingTemplate,
+  transaction: Transaction,
+  entityType: EntityType = 'enskild_firma'
+): MappingResult {
+  const isExpense = transaction.amount < 0
+  const isBusiness = !template.default_private
+
+  // Resolve entity-specific accounts
+  let debitAccount = template.debit_account
+  let creditAccount = template.credit_account
+  if (entityType === 'aktiebolag') {
+    if (template.debit_account_ab) debitAccount = template.debit_account_ab
+    if (template.credit_account_ab) creditAccount = template.credit_account_ab
+  }
+
+  // Generate VAT lines
+  const vatLines: VatJournalLine[] = []
+  if (isBusiness && template.vat_treatment && template.deductibility !== 'non_deductible') {
+    const vatRate = getVatRate(template.vat_treatment)
+
+    if (template.vat_treatment === 'reverse_charge' && isExpense) {
+      // EU reverse charge: fiktiv moms (offsetting entries)
+      const absAmount = Math.abs(transaction.amount)
+      const rcLines = generateReverseChargeLines(absAmount)
+      for (const rcl of rcLines) {
+        vatLines.push({
+          account_number: rcl.account_number,
+          debit_amount: rcl.debit_amount,
+          credit_amount: rcl.credit_amount,
+          description: rcl.line_description || '',
+        })
+      }
+    } else if (vatRate > 0 && isExpense) {
+      // Input VAT deduction
+      const absAmount = Math.abs(transaction.amount)
+      const vatLine = generateInputVatLine(absAmount, vatRate)
+      if (vatLine) {
+        vatLines.push({
+          account_number: vatLine.account_number,
+          debit_amount: vatLine.debit_amount,
+          credit_amount: vatLine.credit_amount,
+          description: vatLine.line_description || '',
+        })
+      }
+    } else if (vatRate > 0 && !isExpense) {
+      // Output VAT (income)
+      const grossAmount = Math.abs(transaction.amount)
+      const vatAmount = Math.round((grossAmount * vatRate / (1 + vatRate)) * 100) / 100
+      let vatAccount: string
+      switch (template.vat_treatment) {
+        case 'standard_25': vatAccount = '2611'; break
+        case 'reduced_12': vatAccount = '2621'; break
+        case 'reduced_6': vatAccount = '2631'; break
+        default: vatAccount = '2611'
+      }
+      vatLines.push({
+        account_number: vatAccount,
+        debit_amount: 0,
+        credit_amount: vatAmount,
+        description: `Utgående moms ${vatRate * 100}%`,
+      })
+    }
+  }
+
+  // Build description
+  const description = `${template.name_sv}: ${transaction.description}`
+
+  return {
+    rule: null,
+    template_id: template.id,
+    debit_account: debitAccount,
+    credit_account: creditAccount,
+    risk_level: template.risk_level,
+    confidence: 1.0, // User explicitly selected template
+    requires_review: template.requires_review,
+    default_private: template.default_private,
+    vat_lines: vatLines,
+    description,
+  }
+}
diff --git a/lib/bookkeeping/mapping-engine.ts b/lib/bookkeeping/mapping-engine.ts
index 37fed2e0..157c4b58 100644
--- a/lib/bookkeeping/mapping-engine.ts
+++ b/lib/bookkeeping/mapping-engine.ts
@@ -5,11 +5,13 @@ import {
   extractNetAmount,
   extractVatAmount,
 } from './vat-entries'
+import { findMatchingTemplates, buildMappingResultFromTemplate } from './booking-templates'
 import type {
   MappingRule,
   MappingResult,
   RiskLevel,
   Transaction,
+  EntityType,
   VatJournalLine,
 } from '@/types'
 
@@ -28,7 +30,8 @@ const CAPITALIZATION_THRESHOLD = 29400
  */
 export async function evaluateMappingRules(
   userId: string,
-  transaction: Transaction
+  transaction: Transaction,
+  entityType?: EntityType
 ): Promise<MappingResult> {
   const supabase = await createClient()
 
@@ -41,6 +44,9 @@ export async function evaluateMappingRules(
     .order('priority', { ascending: true })
 
   if (error || !rules || rules.length === 0) {
+    // Try template-based matching before default fallback
+    const templateResult = evaluateTemplateRules(transaction, entityType)
+    if (templateResult) return templateResult
     return getDefaultResult(transaction)
   }
 
@@ -51,9 +57,35 @@ export async function evaluateMappingRules(
     }
   }
 
+  // Try template-based matching before default fallback
+  const templateResult = evaluateTemplateRules(transaction, entityType)
+  if (templateResult) return templateResult
+
   return getDefaultResult(transaction)
 }
 
+/**
+ * Evaluate booking templates as a fallback when no DB mapping rule matches.
+ * Returns the best template match if confidence >= 0.3, otherwise null.
+ */
+function evaluateTemplateRules(
+  transaction: Transaction,
+  entityType?: EntityType
+): MappingResult | null {
+  const matches = findMatchingTemplates(transaction, entityType)
+  if (matches.length === 0 || matches[0].confidence < 0.3) return null
+
+  const best = matches[0]
+  const result = buildMappingResultFromTemplate(
+    best.template,
+    transaction,
+    entityType || 'enskild_firma'
+  )
+  // Override the confidence with the auto-match confidence (not 1.0)
+  result.confidence = best.confidence
+  return result
+}
+
 /**
  * Check if a transaction matches a mapping rule
  */
diff --git a/lib/import/bank-file/__tests__/parser.test.ts b/lib/import/bank-file/__tests__/parser.test.ts
index b197be48..2f4033e6 100644
--- a/lib/import/bank-file/__tests__/parser.test.ts
+++ b/lib/import/bank-file/__tests__/parser.test.ts
@@ -116,6 +116,51 @@ const CAMT053_XML_WITH_STRUCTURED_REF = `<?xml version="1.0" encoding="UTF-8"?>
 </BkToCstmrStmt>
 </Document>`
 
+const LANSFORSAKRINGAR_CSV = [
+  '"Datum";"Bokföringsdag";"Typ";"Text";"Belopp";"Saldo"',
+  '"2024-01-15";"2024-01-15";"Kortköp";"SPOTIFY AB";"-99,00";"12 345,67"',
+  '"2024-01-14";"2024-01-14";"Kortköp";"ICA MAXI";"-432,50";"12 444,67"',
+  '"2024-01-13";"2024-01-13";"Insättning";"LÖNEUTBETALNING";"25 000,00";"12 877,17"',
+].join('\n')
+
+const LANSFORSAKRINGAR_CSV_NO_HEADER = [
+  '"2024-01-15";"2024-01-15";"Kortköp";"SPOTIFY AB";"-99,00";"12 345,67"',
+  '"2024-01-14";"2024-01-14";"Kortköp";"ICA MAXI";"-432,50";"12 444,67"',
+].join('\n')
+
+const ICA_BANKEN_CSV = [
+  'Kontonamn: Lönekonto',
+  'Kontonummer: 1234 567 890',
+  'Saldo: 12 877,17',
+  'Tillgängligt belopp: 12 877,17',
+  'Period: 2024-01-01 - 2024-01-31',
+  'Exporterad: 2024-02-01',
+  'Datum;Text;Belopp;Saldo',
+  '2024-01-15;SPOTIFY AB;-99,00;12345,67',
+  '2024-01-14;ICA MAXI LINDHAGEN;-432,50;12444,67',
+  '2024-01-13;LÖNEUTBETALNING;25000,00;12877,17',
+].join('\n')
+
+const SKANDIA_CSV = [
+  'Datum;Beskrivning;Belopp;Saldo',
+  '2024-01-15;SPOTIFY AB;-99,00;12345,67',
+  '2024-01-14;HEMKÖP FRIDHEMSPLAN;-432,50;12444,67',
+  '2024-01-13;LÖNEUTBETALNING;25000,00;12877,17',
+].join('\n')
+
+const SKANDIA_CSV_WITH_BANKKATEGORI = [
+  'Datum;Beskrivning;Belopp;Saldo;Bankkategori',
+  '2024-01-15;SPOTIFY AB;-99,00;12345,67;Underhållning',
+  '2024-01-14;ICA MAXI;-432,50;12444,67;Livsmedel',
+].join('\n')
+
+const LUNAR_CSV = [
+  'Date,Text,Amount,Balance',
+  '2024-01-15,SPOTIFY AB,"-99,00","12.345,67"',
+  '2024-01-14,ICA MAXI LINDHAGEN,"-432,50","12.444,67"',
+  '2024-01-13,LÖNEUTBETALNING,"25.000,00","12.877,17"',
+].join('\n')
+
 const UNKNOWN_CSV = [
   'id,name,value,timestamp',
   '1,Widget A,100,2024-01-15T10:00:00',
@@ -185,6 +230,42 @@ describe('detectFileFormat', () => {
     }
   })
 
+  it('detects Länsförsäkringar CSV from header with "typ" keyword', () => {
+    const format = detectFileFormat(LANSFORSAKRINGAR_CSV, 'lansforsakringar.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('lansforsakringar')
+  })
+
+  it('detects Länsförsäkringar CSV from two adjacent date fields (no header)', () => {
+    const format = detectFileFormat(LANSFORSAKRINGAR_CSV_NO_HEADER, 'export.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('lansforsakringar')
+  })
+
+  it('detects ICA Banken CSV from metadata rows before header', () => {
+    const format = detectFileFormat(ICA_BANKEN_CSV, 'ica.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('ica_banken')
+  })
+
+  it('detects Skandia CSV from "beskrivning" header keyword', () => {
+    const format = detectFileFormat(SKANDIA_CSV, 'skandia.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('skandia')
+  })
+
+  it('detects Skandia CSV from "bankkategori" header keyword', () => {
+    const format = detectFileFormat(SKANDIA_CSV_WITH_BANKKATEGORI, 'skandia.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('skandia')
+  })
+
+  it('detects Lunar CSV from English headers (date, text, amount, balance)', () => {
+    const format = detectFileFormat(LUNAR_CSV, 'lunar.csv')
+    expect(format).not.toBeNull()
+    expect(format!.id).toBe('lunar')
+  })
+
   it('returns null for unrecognized CSV content', () => {
     const format = detectFileFormat(UNKNOWN_CSV, 'data.csv')
     expect(format).toBeNull()
@@ -426,6 +507,216 @@ describe('parseBankFile — Handelsbanken format', () => {
   })
 })
 
+describe('parseBankFile — Länsförsäkringar format', () => {
+  it('parses semicolon-delimited CSV with quoted fields and comma decimal separator', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV, 'lf.csv')
+
+    expect(result.format).toBe('lansforsakringar')
+    expect(result.format_name).toBe('Länsförsäkringar')
+    expect(result.transactions).toHaveLength(3)
+    expect(result.issues).toHaveLength(0)
+  })
+
+  it('correctly parses amounts with comma decimal and space thousands', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV, 'lf.csv')
+
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[0].description).toBe('SPOTIFY AB')
+    expect(result.transactions[0].date).toBe('2024-01-15')
+
+    expect(result.transactions[1].amount).toBe(-432.5)
+    expect(result.transactions[2].amount).toBe(25000)
+  })
+
+  it('parses balance field', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV, 'lf.csv')
+
+    expect(result.transactions[0].balance).toBe(12345.67)
+  })
+
+  it('handles files without a header row (data-only)', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV_NO_HEADER, 'lf.csv')
+
+    expect(result.format).toBe('lansforsakringar')
+    expect(result.transactions).toHaveLength(2)
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[1].amount).toBe(-432.5)
+  })
+
+  it('calculates stats correctly', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV, 'lf.csv')
+
+    expect(result.stats.total_income).toBe(25000)
+    expect(result.stats.total_expenses).toBe(-531.5)
+    expect(result.stats.parsed_rows).toBe(3)
+  })
+
+  it('extracts correct date range', () => {
+    const result = parseBankFile(LANSFORSAKRINGAR_CSV, 'lf.csv')
+
+    expect(result.date_from).toBe('2024-01-13')
+    expect(result.date_to).toBe('2024-01-15')
+  })
+})
+
+describe('parseBankFile — ICA Banken format', () => {
+  it('parses semicolon-delimited CSV with metadata rows before header', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    expect(result.format).toBe('ica_banken')
+    expect(result.format_name).toBe('ICA Banken')
+    expect(result.transactions).toHaveLength(3)
+    expect(result.issues).toHaveLength(0)
+  })
+
+  it('skips metadata rows and finds the correct header', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    // No transaction should contain metadata text
+    const descriptions = result.transactions.map((t) => t.description)
+    expect(descriptions).not.toContain(expect.stringContaining('Kontonamn'))
+    expect(descriptions).not.toContain(expect.stringContaining('Exporterad'))
+  })
+
+  it('correctly parses amounts with comma decimal separator', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[0].description).toBe('SPOTIFY AB')
+    expect(result.transactions[0].date).toBe('2024-01-15')
+
+    expect(result.transactions[1].amount).toBe(-432.5)
+    expect(result.transactions[2].amount).toBe(25000)
+  })
+
+  it('parses balance field', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    expect(result.transactions[0].balance).toBe(12345.67)
+  })
+
+  it('calculates stats correctly', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    expect(result.stats.total_income).toBe(25000)
+    expect(result.stats.total_expenses).toBe(-531.5)
+    expect(result.stats.parsed_rows).toBe(3)
+  })
+
+  it('extracts correct date range', () => {
+    const result = parseBankFile(ICA_BANKEN_CSV, 'ica.csv')
+
+    expect(result.date_from).toBe('2024-01-13')
+    expect(result.date_to).toBe('2024-01-15')
+  })
+})
+
+describe('parseBankFile — Skandia format', () => {
+  it('parses semicolon-delimited CSV with comma decimal separator', () => {
+    const result = parseBankFile(SKANDIA_CSV, 'skandia.csv')
+
+    expect(result.format).toBe('skandia')
+    expect(result.format_name).toBe('Skandia')
+    expect(result.transactions).toHaveLength(3)
+    expect(result.issues).toHaveLength(0)
+  })
+
+  it('correctly parses amounts and descriptions', () => {
+    const result = parseBankFile(SKANDIA_CSV, 'skandia.csv')
+
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[0].description).toBe('SPOTIFY AB')
+    expect(result.transactions[0].date).toBe('2024-01-15')
+
+    expect(result.transactions[1].amount).toBe(-432.5)
+    expect(result.transactions[1].description).toBe('HEMKÖP FRIDHEMSPLAN')
+    expect(result.transactions[2].amount).toBe(25000)
+  })
+
+  it('parses balance field', () => {
+    const result = parseBankFile(SKANDIA_CSV, 'skandia.csv')
+
+    expect(result.transactions[0].balance).toBe(12345.67)
+  })
+
+  it('handles files with bankkategori column', () => {
+    const result = parseBankFile(SKANDIA_CSV_WITH_BANKKATEGORI, 'skandia.csv')
+
+    expect(result.format).toBe('skandia')
+    expect(result.transactions).toHaveLength(2)
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[1].amount).toBe(-432.5)
+  })
+
+  it('calculates stats correctly', () => {
+    const result = parseBankFile(SKANDIA_CSV, 'skandia.csv')
+
+    expect(result.stats.total_income).toBe(25000)
+    expect(result.stats.total_expenses).toBe(-531.5)
+    expect(result.stats.parsed_rows).toBe(3)
+  })
+
+  it('extracts correct date range', () => {
+    const result = parseBankFile(SKANDIA_CSV, 'skandia.csv')
+
+    expect(result.date_from).toBe('2024-01-13')
+    expect(result.date_to).toBe('2024-01-15')
+  })
+})
+
+describe('parseBankFile — Lunar format', () => {
+  it('parses comma-delimited CSV with English headers', () => {
+    const result = parseBankFile(LUNAR_CSV, 'lunar.csv')
+
+    expect(result.format).toBe('lunar')
+    expect(result.format_name).toBe('Lunar')
+    expect(result.transactions).toHaveLength(3)
+    expect(result.issues).toHaveLength(0)
+  })
+
+  it('correctly parses amounts with comma decimal and period thousand separator', () => {
+    const result = parseBankFile(LUNAR_CSV, 'lunar.csv')
+
+    expect(result.transactions[0].amount).toBe(-99)
+    expect(result.transactions[0].description).toBe('SPOTIFY AB')
+    expect(result.transactions[0].date).toBe('2024-01-15')
+
+    expect(result.transactions[1].amount).toBe(-432.5)
+    expect(result.transactions[2].amount).toBe(25000)
+  })
+
+  it('parses balance field with period thousand separator', () => {
+    const result = parseBankFile(LUNAR_CSV, 'lunar.csv')
+
+    expect(result.transactions[0].balance).toBe(12345.67)
+    expect(result.transactions[2].balance).toBe(12877.17)
+  })
+
+  it('calculates stats correctly', () => {
+    const result = parseBankFile(LUNAR_CSV, 'lunar.csv')
+
+    expect(result.stats.total_income).toBe(25000)
+    expect(result.stats.total_expenses).toBe(-531.5)
+    expect(result.stats.parsed_rows).toBe(3)
+  })
+
+  it('extracts correct date range', () => {
+    const result = parseBankFile(LUNAR_CSV, 'lunar.csv')
+
+    expect(result.date_from).toBe('2024-01-13')
+    expect(result.date_to).toBe('2024-01-15')
+  })
+
+  it('does not confuse Lunar (English) with Nordea (Swedish) headers', () => {
+    // Nordea has Swedish headers, Lunar has English
+    const nordeaResult = detectFileFormat(NORDEA_CSV, 'test.csv')
+    const lunarResult = detectFileFormat(LUNAR_CSV, 'test.csv')
+
+    expect(nordeaResult!.id).toBe('nordea')
+    expect(lunarResult!.id).toBe('lunar')
+  })
+})
+
 describe('parseBankFile — camt.053 XML format', () => {
   it('parses XML with credit and debit entries', () => {
     const result = parseBankFile(CAMT053_XML, 'statement.xml')
@@ -850,13 +1141,17 @@ describe('getFormat and getAllFormats', () => {
   it('getAllFormats returns all registered formats', () => {
     const formats = getAllFormats()
 
-    expect(formats.length).toBeGreaterThanOrEqual(6)
+    expect(formats.length).toBeGreaterThanOrEqual(10)
 
     const ids = formats.map((f) => f.id)
     expect(ids).toContain('nordea')
     expect(ids).toContain('seb')
     expect(ids).toContain('swedbank')
     expect(ids).toContain('handelsbanken')
+    expect(ids).toContain('lansforsakringar')
+    expect(ids).toContain('ica_banken')
+    expect(ids).toContain('skandia')
+    expect(ids).toContain('lunar')
     expect(ids).toContain('camt053')
     expect(ids).toContain('generic_csv')
   })
diff --git a/lib/import/bank-file/formats/ica-banken.ts b/lib/import/bank-file/formats/ica-banken.ts
new file mode 100644
index 00000000..6bd4329d
--- /dev/null
+++ b/lib/import/bank-file/formats/ica-banken.ts
@@ -0,0 +1,187 @@
+/**
+ * ICA Banken CSV format parser
+ *
+ * Format: Semicolon-delimited, comma decimal separator
+ * Columns: Datum, Text, Belopp, Saldo
+ * Date format: YYYY-MM-DD
+ * Encoding: UTF-8 or Windows-1252
+ *
+ * Notes:
+ * - ~6 metadata rows before the actual data (account info, period, etc.)
+ * - Header row contains "datum" and "belopp"
+ * - Must skip metadata lines to find the real header
+ */
+
+import type { BankFileFormat, BankFileParseResult, ParsedBankTransaction, BankFileParseIssue } from '../types'
+import { prepareContent } from '../encoding'
+
+function parseCommaDecimal(value: string): number {
+  const cleaned = value.replace(/\s/g, '').replace(',', '.')
+  return parseFloat(cleaned)
+}
+
+/**
+ * Check if a line looks like the ICA Banken data header.
+ * ICA Banken header: semicolon-delimited with "datum", "text", "belopp", "saldo"
+ */
+function isICAHeader(line: string): boolean {
+  const lower = line.toLowerCase().replace(/"/g, '')
+  if (!lower.includes(';')) return false
+  const fields = lower.split(';').map((f) => f.trim())
+  return (
+    fields.some((f) => f === 'datum') &&
+    fields.some((f) => f === 'belopp') &&
+    fields.some((f) => f === 'text')
+  )
+}
+
+/**
+ * Detect ICA Banken format: semicolon-delimited file with metadata lines
+ * before a header containing "datum" and "belopp".
+ */
+function detectICABanken(lines: string[]): boolean {
+  // Look for a header row within the first ~10 lines (skipping metadata)
+  let metadataCount = 0
+  for (let i = 0; i < Math.min(lines.length, 10); i++) {
+    if (isICAHeader(lines[i])) {
+      // Must have at least 2 metadata rows before header to distinguish from
+      // other semicolon-delimited formats (SEB, Handelsbanken, LF)
+      return metadataCount >= 2
+    }
+    metadataCount++
+  }
+  return false
+}
+
+export const icaBankenFormat: BankFileFormat = {
+  id: 'ica_banken',
+  name: 'ICA Banken',
+  description: 'ICA Banken CSV (semicolon-delimited, metadata rows before header)',
+  fileExtensions: ['.csv', '.txt'],
+
+  detect(content: string, _filename: string): boolean {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((l) => l.trim() !== '')
+    return detectICABanken(lines)
+  },
+
+  parse(content: string): BankFileParseResult {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((line) => line.trim() !== '')
+
+    const transactions: ParsedBankTransaction[] = []
+    const issues: BankFileParseIssue[] = []
+    let skippedRows = 0
+
+    // Find the header row
+    let headerLineIdx = -1
+    for (let i = 0; i < Math.min(lines.length, 10); i++) {
+      if (isICAHeader(lines[i])) {
+        headerLineIdx = i
+        break
+      }
+    }
+
+    if (headerLineIdx === -1) {
+      issues.push({
+        row: 1,
+        message: 'Could not find ICA Banken header row',
+        severity: 'error',
+      })
+      return {
+        format: 'ica_banken',
+        format_name: 'ICA Banken',
+        transactions: [],
+        date_from: null,
+        date_to: null,
+        issues,
+        stats: { total_rows: 0, parsed_rows: 0, skipped_rows: 0, total_income: 0, total_expenses: 0 },
+      }
+    }
+
+    // Parse header columns
+    const headers = lines[headerLineIdx].split(';').map((h) => h.trim().toLowerCase().replace(/"/g, ''))
+    const dateIdx = headers.findIndex((h) => h === 'datum')
+    const descIdx = headers.findIndex((h) => h === 'text')
+    const amountIdx = headers.findIndex((h) => h === 'belopp')
+    const balanceIdx = headers.findIndex((h) => h === 'saldo')
+
+    if (dateIdx === -1 || amountIdx === -1) {
+      issues.push({
+        row: headerLineIdx + 1,
+        message: 'Could not identify required columns (datum, belopp)',
+        severity: 'error',
+      })
+      return {
+        format: 'ica_banken',
+        format_name: 'ICA Banken',
+        transactions: [],
+        date_from: null,
+        date_to: null,
+        issues,
+        stats: { total_rows: 0, parsed_rows: 0, skipped_rows: 0, total_income: 0, total_expenses: 0 },
+      }
+    }
+
+    for (let i = headerLineIdx + 1; i < lines.length; i++) {
+      const line = lines[i].trim()
+      if (!line) continue
+
+      const fields = line.split(';').map((f) => f.trim().replace(/^"|"$/g, ''))
+
+      const date = fields[dateIdx]
+      const description = descIdx >= 0 ? fields[descIdx] : 'Unknown'
+      const amountStr = fields[amountIdx]
+      const balanceStr = balanceIdx >= 0 ? fields[balanceIdx] : undefined
+
+      if (!date || !amountStr) {
+        skippedRows++
+        continue
+      }
+
+      const amount = parseCommaDecimal(amountStr)
+      if (isNaN(amount)) {
+        issues.push({ row: i + 1, message: `Invalid amount: ${amountStr}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      if (!/^\d{4}-\d{2}-\d{2}$/.test(date)) {
+        issues.push({ row: i + 1, message: `Invalid date: ${date}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      const balance = balanceStr ? parseCommaDecimal(balanceStr) : null
+
+      transactions.push({
+        date,
+        description: (description || 'Unknown').trim(),
+        amount,
+        currency: 'SEK',
+        balance: isNaN(balance as number) ? null : balance,
+        reference: null,
+        counterparty: null,
+        raw_line: line,
+      })
+    }
+
+    const dates = transactions.map((t) => t.date).sort()
+
+    return {
+      format: 'ica_banken',
+      format_name: 'ICA Banken',
+      transactions,
+      date_from: dates[0] || null,
+      date_to: dates[dates.length - 1] || null,
+      issues,
+      stats: {
+        total_rows: lines.length - headerLineIdx - 1,
+        parsed_rows: transactions.length,
+        skipped_rows: skippedRows,
+        total_income: Math.round(transactions.filter((t) => t.amount > 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+        total_expenses: Math.round(transactions.filter((t) => t.amount < 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+      },
+    }
+  },
+}
diff --git a/lib/import/bank-file/formats/lansforsakringar.ts b/lib/import/bank-file/formats/lansforsakringar.ts
new file mode 100644
index 00000000..4406d54c
--- /dev/null
+++ b/lib/import/bank-file/formats/lansforsakringar.ts
@@ -0,0 +1,168 @@
+/**
+ * Länsförsäkringar CSV format parser
+ *
+ * Format: Semicolon-delimited, comma decimal separator, double-quoted fields
+ * Columns: Datum, Bokföringsdag, Typ, Text, Belopp, (Saldo optional)
+ * Date format: YYYY-MM-DD
+ * Encoding: UTF-8 or Windows-1252
+ *
+ * Notes:
+ * - Fields are double-quoted
+ * - Two adjacent date columns (Datum + Bokföringsdag) is unique to Länsförsäkringar
+ * - No guaranteed header row — detect by structure
+ */
+
+import type { BankFileFormat, BankFileParseResult, ParsedBankTransaction, BankFileParseIssue } from '../types'
+import { prepareContent } from '../encoding'
+import { parseCSVLine } from './nordea'
+
+function parseCommaDecimal(value: string): number {
+  const cleaned = value.replace(/\s/g, '').replace(',', '.')
+  return parseFloat(cleaned)
+}
+
+const DATE_RE = /^\d{4}-\d{2}-\d{2}$/
+
+/**
+ * Check if a line has the Länsförsäkringar structure:
+ * two adjacent YYYY-MM-DD date fields in a semicolon-delimited, quoted row.
+ */
+function isLFRow(line: string): boolean {
+  if (!line.includes(';')) return false
+  const fields = parseCSVLine(line, ';').map((f) => f.trim())
+  return fields.length >= 5 && DATE_RE.test(fields[0]) && DATE_RE.test(fields[1])
+}
+
+/**
+ * Check if a line looks like a Länsförsäkringar header row.
+ */
+function isLFHeader(line: string): boolean {
+  const lower = line.toLowerCase().replace(/"/g, '')
+  return (
+    lower.includes(';') &&
+    lower.includes('datum') &&
+    lower.includes('typ') &&
+    lower.includes('belopp')
+  )
+}
+
+export const lansforsakringarFormat: BankFileFormat = {
+  id: 'lansforsakringar',
+  name: 'Länsförsäkringar',
+  description: 'Länsförsäkringar CSV (semicolon-delimited, quoted fields)',
+  fileExtensions: ['.csv', '.txt'],
+
+  detect(content: string, _filename: string): boolean {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((l) => l.trim() !== '')
+    if (lines.length < 1) return false
+
+    // Check for header with "typ" keyword (unique to LF among semicolon formats)
+    if (isLFHeader(lines[0])) return true
+
+    // Alternatively: detect data rows with two adjacent date fields
+    // Check first few non-empty lines for the two-date pattern
+    for (let i = 0; i < Math.min(lines.length, 3); i++) {
+      if (isLFRow(lines[i])) return true
+    }
+
+    return false
+  },
+
+  parse(content: string): BankFileParseResult {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((line) => line.trim() !== '')
+
+    const transactions: ParsedBankTransaction[] = []
+    const issues: BankFileParseIssue[] = []
+    let skippedRows = 0
+
+    // Determine if first row is a header or data
+    let startIdx = 0
+    let dateIdx = 0
+    let descIdx = 3
+    let amountIdx = 4
+    let balanceIdx = 5
+
+    if (isLFHeader(lines[0])) {
+      // Parse header to find column indices
+      const headers = parseCSVLine(lines[0], ';').map((h) => h.trim().toLowerCase().replace(/"/g, ''))
+      dateIdx = headers.findIndex((h) => h === 'datum')
+      if (dateIdx === -1) dateIdx = 0
+      descIdx = headers.findIndex((h) => h === 'text' || h === 'beskrivning')
+      if (descIdx === -1) descIdx = 3
+      amountIdx = headers.findIndex((h) => h === 'belopp')
+      if (amountIdx === -1) amountIdx = 4
+      balanceIdx = headers.findIndex((h) => h === 'saldo')
+      startIdx = 1
+    }
+
+    for (let i = startIdx; i < lines.length; i++) {
+      const line = lines[i].trim()
+      if (!line) continue
+
+      const fields = parseCSVLine(line, ';').map((f) => f.trim().replace(/^"|"$/g, ''))
+
+      if (fields.length < 5) {
+        issues.push({ row: i + 1, message: 'Too few columns', severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      const date = fields[dateIdx]
+      const description = fields[descIdx] || 'Unknown'
+      const amountStr = fields[amountIdx]
+      const balanceStr = balanceIdx >= 0 && balanceIdx < fields.length ? fields[balanceIdx] : undefined
+
+      if (!date || !amountStr) {
+        skippedRows++
+        continue
+      }
+
+      const amount = parseCommaDecimal(amountStr)
+      if (isNaN(amount)) {
+        issues.push({ row: i + 1, message: `Invalid amount: ${amountStr}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      if (!DATE_RE.test(date)) {
+        issues.push({ row: i + 1, message: `Invalid date: ${date}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      const balance = balanceStr ? parseCommaDecimal(balanceStr) : null
+
+      transactions.push({
+        date,
+        description: description.trim(),
+        amount,
+        currency: 'SEK',
+        balance: isNaN(balance as number) ? null : balance,
+        reference: null,
+        counterparty: null,
+        raw_line: line,
+      })
+    }
+
+    const dates = transactions.map((t) => t.date).sort()
+    const totalDataRows = lines.length - startIdx
+
+    return {
+      format: 'lansforsakringar',
+      format_name: 'Länsförsäkringar',
+      transactions,
+      date_from: dates[0] || null,
+      date_to: dates[dates.length - 1] || null,
+      issues,
+      stats: {
+        total_rows: totalDataRows,
+        parsed_rows: transactions.length,
+        skipped_rows: skippedRows,
+        total_income: Math.round(transactions.filter((t) => t.amount > 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+        total_expenses: Math.round(transactions.filter((t) => t.amount < 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+      },
+    }
+  },
+}
diff --git a/lib/import/bank-file/formats/lunar.ts b/lib/import/bank-file/formats/lunar.ts
new file mode 100644
index 00000000..a88efd32
--- /dev/null
+++ b/lib/import/bank-file/formats/lunar.ts
@@ -0,0 +1,142 @@
+/**
+ * Lunar CSV format parser
+ *
+ * Format: Comma-delimited, comma decimal separator (amounts are quoted)
+ * Columns: Date, Text, Amount, Balance (English headers)
+ * Date format: YYYY-MM-DD
+ * Encoding: UTF-8
+ *
+ * Notes:
+ * - English headers distinguish Lunar from Nordea (Swedish headers)
+ * - Amounts use comma as decimal separator but are quoted since the file
+ *   delimiter is also comma
+ * - Thousand separator is period (e.g. "1.234,56")
+ */
+
+import type { BankFileFormat, BankFileParseResult, ParsedBankTransaction, BankFileParseIssue } from '../types'
+import { prepareContent } from '../encoding'
+import { parseCSVLine } from './nordea'
+
+function parseLunarAmount(value: string): number {
+  // Lunar format: "1.234,56" or "-1.234,56"
+  // Remove period (thousand separator), replace comma (decimal separator) with period
+  const cleaned = value.replace(/\./g, '').replace(',', '.')
+  return parseFloat(cleaned)
+}
+
+export const lunarFormat: BankFileFormat = {
+  id: 'lunar',
+  name: 'Lunar',
+  description: 'Lunar CSV (comma-delimited, English headers)',
+  fileExtensions: ['.csv', '.txt'],
+
+  detect(content: string, _filename: string): boolean {
+    const prepared = prepareContent(content)
+    const firstLine = prepared.split('\n')[0]?.toLowerCase() || ''
+    // Lunar: comma-delimited with English headers
+    // Must NOT contain semicolons, must have "date", "text", "amount", "balance"
+    return (
+      !firstLine.includes(';') &&
+      firstLine.includes('date') &&
+      firstLine.includes('text') &&
+      firstLine.includes('amount') &&
+      firstLine.includes('balance')
+    )
+  },
+
+  parse(content: string): BankFileParseResult {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((line) => line.trim() !== '')
+
+    const transactions: ParsedBankTransaction[] = []
+    const issues: BankFileParseIssue[] = []
+    let skippedRows = 0
+
+    // Parse header
+    const headerLine = lines[0] || ''
+    const headers = parseCSVLine(headerLine, ',').map((h) => h.trim().toLowerCase().replace(/"/g, ''))
+
+    const dateIdx = headers.findIndex((h) => h === 'date')
+    const descIdx = headers.findIndex((h) => h === 'text')
+    const amountIdx = headers.findIndex((h) => h === 'amount')
+    const balanceIdx = headers.findIndex((h) => h === 'balance')
+
+    if (dateIdx === -1 || amountIdx === -1) {
+      issues.push({
+        row: 1,
+        message: 'Could not identify required columns (date, amount)',
+        severity: 'error',
+      })
+      return {
+        format: 'lunar',
+        format_name: 'Lunar',
+        transactions: [],
+        date_from: null,
+        date_to: null,
+        issues,
+        stats: { total_rows: 0, parsed_rows: 0, skipped_rows: 0, total_income: 0, total_expenses: 0 },
+      }
+    }
+
+    for (let i = 1; i < lines.length; i++) {
+      const line = lines[i].trim()
+      if (!line) continue
+
+      const fields = parseCSVLine(line, ',').map((f) => f.trim().replace(/^"|"$/g, ''))
+
+      const date = fields[dateIdx]
+      const description = descIdx >= 0 ? fields[descIdx] : 'Unknown'
+      const amountStr = fields[amountIdx]
+      const balanceStr = balanceIdx >= 0 ? fields[balanceIdx] : undefined
+
+      if (!date || !amountStr) {
+        skippedRows++
+        continue
+      }
+
+      const amount = parseLunarAmount(amountStr)
+      if (isNaN(amount)) {
+        issues.push({ row: i + 1, message: `Invalid amount: ${amountStr}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      if (!/^\d{4}-\d{2}-\d{2}$/.test(date)) {
+        issues.push({ row: i + 1, message: `Invalid date: ${date}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      const balance = balanceStr ? parseLunarAmount(balanceStr) : null
+
+      transactions.push({
+        date,
+        description: (description || 'Unknown').trim(),
+        amount,
+        currency: 'SEK',
+        balance: isNaN(balance as number) ? null : balance,
+        reference: null,
+        counterparty: null,
+        raw_line: line,
+      })
+    }
+
+    const dates = transactions.map((t) => t.date).sort()
+
+    return {
+      format: 'lunar',
+      format_name: 'Lunar',
+      transactions,
+      date_from: dates[0] || null,
+      date_to: dates[dates.length - 1] || null,
+      issues,
+      stats: {
+        total_rows: lines.length - 1,
+        parsed_rows: transactions.length,
+        skipped_rows: skippedRows,
+        total_income: Math.round(transactions.filter((t) => t.amount > 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+        total_expenses: Math.round(transactions.filter((t) => t.amount < 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+      },
+    }
+  },
+}
diff --git a/lib/import/bank-file/formats/seb.ts b/lib/import/bank-file/formats/seb.ts
index 1e6b602a..4f6798a1 100644
--- a/lib/import/bank-file/formats/seb.ts
+++ b/lib/import/bank-file/formats/seb.ts
@@ -25,12 +25,14 @@ export const sebFormat: BankFileFormat = {
   detect(content: string, _filename: string): boolean {
     const prepared = prepareContent(content)
     const firstLine = prepared.split('\n')[0]?.toLowerCase() || ''
-    // SEB headers contain "bokföringsdag" or "bokforingsdatum" and use semicolons
+    // SEB headers contain "bokföringsdag"/"bokforingsdatum" AND "valutadag"/"verifikationsnummer"
+    // The secondary check distinguishes SEB from Länsförsäkringar (which also has "bokföringsdag")
     return (
       firstLine.includes(';') &&
       (firstLine.includes('bokföringsdag') ||
         firstLine.includes('bokforingsdatum') ||
-        firstLine.includes('bokföringsdag'))
+        firstLine.includes('bokföringsdag')) &&
+      (firstLine.includes('valutadag') || firstLine.includes('verifikationsnummer'))
     )
   },
 
diff --git a/lib/import/bank-file/formats/skandia.ts b/lib/import/bank-file/formats/skandia.ts
new file mode 100644
index 00000000..0c810d4b
--- /dev/null
+++ b/lib/import/bank-file/formats/skandia.ts
@@ -0,0 +1,148 @@
+/**
+ * Skandia CSV format parser
+ *
+ * Format: Semicolon-delimited, comma decimal separator
+ * Columns: Datum, Beskrivning/Text, Belopp, Saldo (possibly Bankkategori)
+ * Date format: YYYY-MM-DD
+ * Encoding: UTF-8 or Windows-1252
+ *
+ * Notes:
+ * - Header contains "beskrivning" (unique keyword not used by SEB/Handelsbanken)
+ *   or "bankkategori" (Skandia-specific column)
+ */
+
+import type { BankFileFormat, BankFileParseResult, ParsedBankTransaction, BankFileParseIssue } from '../types'
+import { prepareContent } from '../encoding'
+
+function parseCommaDecimal(value: string): number {
+  const cleaned = value.replace(/\s/g, '').replace(',', '.')
+  return parseFloat(cleaned)
+}
+
+export const skandiaFormat: BankFileFormat = {
+  id: 'skandia',
+  name: 'Skandia',
+  description: 'Skandia CSV (semicolon-delimited)',
+  fileExtensions: ['.csv', '.txt'],
+
+  detect(content: string, _filename: string): boolean {
+    const prepared = prepareContent(content)
+    const firstLine = prepared.split('\n')[0]?.toLowerCase().replace(/"/g, '') || ''
+    if (!firstLine.includes(';')) return false
+
+    const fields = firstLine.split(';').map((f) => f.trim())
+
+    // "bankkategori" is unique to Skandia
+    if (fields.some((f) => f.includes('bankkategori'))) return true
+
+    // "beskrivning" as a standalone column header with semicolon delimiter
+    // Must also have "datum" and "belopp" to confirm it's a bank export
+    // Note: Handelsbanken uses "beskrivning" only as a fallback in descIdx logic,
+    // but its header detection is "reskontradatum"/"transaktionsdatum" which is checked first
+    if (
+      fields.some((f) => f === 'beskrivning') &&
+      fields.some((f) => f === 'datum') &&
+      fields.some((f) => f === 'belopp')
+    ) {
+      return true
+    }
+
+    return false
+  },
+
+  parse(content: string): BankFileParseResult {
+    const prepared = prepareContent(content)
+    const lines = prepared.split('\n').filter((line) => line.trim() !== '')
+
+    const transactions: ParsedBankTransaction[] = []
+    const issues: BankFileParseIssue[] = []
+    let skippedRows = 0
+
+    // Parse header
+    const headerLine = lines[0] || ''
+    const headers = headerLine.split(';').map((h) => h.trim().toLowerCase().replace(/"/g, ''))
+
+    const dateIdx = headers.findIndex((h) => h === 'datum')
+    const descIdx = headers.findIndex((h) => h === 'beskrivning' || h === 'text')
+    const amountIdx = headers.findIndex((h) => h === 'belopp')
+    const balanceIdx = headers.findIndex((h) => h === 'saldo')
+
+    if (dateIdx === -1 || amountIdx === -1) {
+      issues.push({
+        row: 1,
+        message: 'Could not identify required columns (datum, belopp)',
+        severity: 'error',
+      })
+      return {
+        format: 'skandia',
+        format_name: 'Skandia',
+        transactions: [],
+        date_from: null,
+        date_to: null,
+        issues,
+        stats: { total_rows: 0, parsed_rows: 0, skipped_rows: 0, total_income: 0, total_expenses: 0 },
+      }
+    }
+
+    for (let i = 1; i < lines.length; i++) {
+      const line = lines[i].trim()
+      if (!line) continue
+
+      const fields = line.split(';').map((f) => f.trim().replace(/^"|"$/g, ''))
+
+      const date = fields[dateIdx]
+      const description = descIdx >= 0 ? fields[descIdx] : 'Unknown'
+      const amountStr = fields[amountIdx]
+      const balanceStr = balanceIdx >= 0 ? fields[balanceIdx] : undefined
+
+      if (!date || !amountStr) {
+        skippedRows++
+        continue
+      }
+
+      const amount = parseCommaDecimal(amountStr)
+      if (isNaN(amount)) {
+        issues.push({ row: i + 1, message: `Invalid amount: ${amountStr}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      if (!/^\d{4}-\d{2}-\d{2}$/.test(date)) {
+        issues.push({ row: i + 1, message: `Invalid date: ${date}`, severity: 'warning' })
+        skippedRows++
+        continue
+      }
+
+      const balance = balanceStr ? parseCommaDecimal(balanceStr) : null
+
+      transactions.push({
+        date,
+        description: (description || 'Unknown').trim(),
+        amount,
+        currency: 'SEK',
+        balance: isNaN(balance as number) ? null : balance,
+        reference: null,
+        counterparty: null,
+        raw_line: line,
+      })
+    }
+
+    const dates = transactions.map((t) => t.date).sort()
+
+    return {
+      format: 'skandia',
+      format_name: 'Skandia',
+      transactions,
+      date_from: dates[0] || null,
+      date_to: dates[dates.length - 1] || null,
+      issues,
+      stats: {
+        total_rows: lines.length - 1,
+        parsed_rows: transactions.length,
+        skipped_rows: skippedRows,
+        total_income: Math.round(transactions.filter((t) => t.amount > 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+        total_expenses: Math.round(transactions.filter((t) => t.amount < 0).reduce((s, t) => s + t.amount, 0) * 100) / 100,
+      },
+    }
+  },
+}
diff --git a/lib/import/bank-file/parser.ts b/lib/import/bank-file/parser.ts
index 09759e87..97875e00 100644
--- a/lib/import/bank-file/parser.ts
+++ b/lib/import/bank-file/parser.ts
@@ -11,12 +11,17 @@ import { nordeaFormat } from './formats/nordea'
 import { sebFormat } from './formats/seb'
 import { swedbankFormat } from './formats/swedbank'
 import { handelsbankenFormat } from './formats/handelsbanken'
+import { lansforsakringarFormat } from './formats/lansforsakringar'
+import { icaBankenFormat } from './formats/ica-banken'
+import { skandiaFormat } from './formats/skandia'
+import { lunarFormat } from './formats/lunar'
 import { camt053Format } from './formats/camt053'
 import { genericCSVFormat } from './formats/generic-csv'
 
 /**
  * Ordered list of format detectors.
  * camt.053 first (XML detection is unambiguous), then bank-specific CSV formats.
+ * New bank formats go after existing ones but before generic_csv.
  * Generic CSV is last — it never auto-detects (manual fallback only).
  */
 const FORMATS: BankFileFormat[] = [
@@ -25,6 +30,10 @@ const FORMATS: BankFileFormat[] = [
   sebFormat,
   swedbankFormat,
   handelsbankenFormat,
+  lansforsakringarFormat,
+  icaBankenFormat,
+  skandiaFormat,
+  lunarFormat,
   genericCSVFormat,
 ]
 
diff --git a/lib/import/bank-file/types.ts b/lib/import/bank-file/types.ts
index bbe652b8..def98d44 100644
--- a/lib/import/bank-file/types.ts
+++ b/lib/import/bank-file/types.ts
@@ -47,6 +47,10 @@ export type BankFileFormatId =
   | 'seb'
   | 'swedbank'
   | 'handelsbanken'
+  | 'lansforsakringar'
+  | 'ica_banken'
+  | 'skandia'
+  | 'lunar'
   | 'generic_csv'
   | 'camt053'
 
diff --git a/lib/transactions/category-suggestions.ts b/lib/transactions/category-suggestions.ts
index 2acf6c01..02b63e0f 100644
--- a/lib/transactions/category-suggestions.ts
+++ b/lib/transactions/category-suggestions.ts
@@ -1,6 +1,7 @@
 import { suggestCategory } from '@/lib/tax/expense-warnings'
 import { getExpenseAccountForCategory } from '@/lib/bookkeeping/category-mapping'
-import type { Transaction, TransactionCategory, MappingRule } from '@/types'
+import { findMatchingTemplates, type TemplateMatch } from '@/lib/bookkeeping/booking-templates'
+import type { Transaction, TransactionCategory, EntityType, MappingRule } from '@/types'
 
 export interface SuggestedCategory {
   category: TransactionCategory
@@ -177,3 +178,43 @@ export function mergeAiSuggestions(
     .sort((a, b) => b.confidence - a.confidence)
     .slice(0, 5)
 }
+
+// ============================================================
+// Template Suggestions
+// ============================================================
+
+export interface SuggestedTemplate {
+  template_id: string
+  name_sv: string
+  name_en: string
+  group: string
+  debit_account: string
+  credit_account: string
+  confidence: number
+  description_sv: string
+  risk_level: string
+  requires_review: boolean
+}
+
+/**
+ * Get suggested booking templates for a transaction.
+ * Uses multi-signal matching (MCC, keywords, description patterns).
+ */
+export function getSuggestedTemplates(
+  transaction: Transaction,
+  entityType?: EntityType
+): SuggestedTemplate[] {
+  const matches = findMatchingTemplates(transaction, entityType)
+  return matches.map((m: TemplateMatch) => ({
+    template_id: m.template.id,
+    name_sv: m.template.name_sv,
+    name_en: m.template.name_en,
+    group: m.template.group,
+    debit_account: m.template.debit_account,
+    credit_account: m.template.credit_account,
+    confidence: m.confidence,
+    description_sv: m.template.description_sv,
+    risk_level: m.template.risk_level,
+    requires_review: m.template.requires_review,
+  }))
+}
diff --git a/types/index.ts b/types/index.ts
index 0aed19e5..f322d23b 100644
--- a/types/index.ts
+++ b/types/index.ts
@@ -904,6 +904,7 @@ export interface MappingRule {
 // Mapping engine result
 export interface MappingResult {
   rule: MappingRule | null
+  template_id?: string
   debit_account: string
   credit_account: string
   risk_level: RiskLevel