diff --git a/app/(dashboard)/settings/banking/page.tsx b/app/(dashboard)/settings/banking/page.tsx
index e9b8b71c..21243a49 100644
--- a/app/(dashboard)/settings/banking/page.tsx
+++ b/app/(dashboard)/settings/banking/page.tsx
@@ -17,6 +17,8 @@ export default function BankingSettingsPage() {
   const router = useRouter()
   const { toast } = useToast()
   const [bankConnectionError, setBankConnectionError] = useState<string | null>(null)
+  const [failedBankName, setFailedBankName] = useState<string | null>(null)
+  const [isAccessDenied, setIsAccessDenied] = useState(false)
   const syncInitiatedRef = useRef(false)
   const abortControllerRef = useRef<AbortController | null>(null)
   const unmountedRef = useRef(false)
@@ -93,13 +95,18 @@ export default function BankingSettingsPage() {
     }
 
     if (bankError) {
-      const errorMsg = decodeURIComponent(bankError)
+      let errorMsg: string
+      try { errorMsg = decodeURIComponent(bankError) } catch { errorMsg = bankError }
+      const bankName = searchParams.get('bank_name')
+      const errorCode = searchParams.get('bank_error_code')
       toast({
         title: 'Anslutning misslyckades',
         description: errorMsg,
         variant: 'destructive',
       })
       setBankConnectionError(errorMsg)
+      if (bankName) setFailedBankName(bankName)
+      if (errorCode === 'access_denied') setIsAccessDenied(true)
       router.replace('/settings/banking')
     }
   }, [searchParams, router, toast])
@@ -111,12 +118,21 @@ export default function BankingSettingsPage() {
           <AlertTriangle className="mt-0.5 h-5 w-5 shrink-0 text-destructive" />
           <div className="flex-1">
             <p className="text-sm font-medium text-destructive">{bankConnectionError}</p>
+            {isAccessDenied && failedBankName && (
+              <p className="mt-1 text-sm text-muted-foreground">
+                {failedBankName} nekade åtkomst. Om du använder ett privatkonto kan du prova att ansluta med kontotypen &quot;Privatkonto&quot; i bankväljaren nedan.
+              </p>
+            )}
             <p className="mt-1 text-sm text-muted-foreground">
               Du kan också <Link href="/import?mode=bank" className="underline hover:text-foreground">importera transaktioner via bankfil</Link> istället.
             </p>
           </div>
           <button
-            onClick={() => setBankConnectionError(null)}
+            onClick={() => {
+              setBankConnectionError(null)
+              setFailedBankName(null)
+              setIsAccessDenied(false)
+            }}
             className="shrink-0 rounded-md p-1 text-muted-foreground hover:text-foreground"
             aria-label="Stäng"
           >
diff --git a/app/api/extensions/enable-banking/callback/route.ts b/app/api/extensions/enable-banking/callback/route.ts
index a33316d2..ef50e8c1 100644
--- a/app/api/extensions/enable-banking/callback/route.ts
+++ b/app/api/extensions/enable-banking/callback/route.ts
@@ -54,6 +54,14 @@ export async function GET(request: Request) {
             .from('bank_connections')
             .update({ status: 'error', error_message: errorMessage, oauth_state: null })
             .eq('id', pendingConn.id)
+
+          // Include bank name and error code in redirect so the UI can offer PSU type retry
+          const params = new URLSearchParams({
+            bank_error: errorMessage,
+            ...(pendingConn.bank_name ? { bank_name: pendingConn.bank_name } : {}),
+            ...(error === 'access_denied' ? { bank_error_code: error } : {}),
+          })
+          return NextResponse.redirect(`${baseUrl}/settings/banking?${params.toString()}`)
         }
       } catch (cleanupError) {
         console.error('[enable-banking] Failed to clean up pending bank connection:', cleanupError)
diff --git a/extensions/general/enable-banking/components/BankSelector.tsx b/extensions/general/enable-banking/components/BankSelector.tsx
index a19af9d4..fe1293c3 100644
--- a/extensions/general/enable-banking/components/BankSelector.tsx
+++ b/extensions/general/enable-banking/components/BankSelector.tsx
@@ -20,6 +20,7 @@ const POPULAR_SWEDISH_BANKS = [
 
 interface BankSelectorProps {
   onConnect: (bank: Bank) => void
+  onPsuTypeDetected?: (psuType: 'personal' | 'business') => void
   isConnecting?: boolean
   connectingBankName?: string | null
   className?: string
@@ -89,6 +90,7 @@ function BankCard({ bank, isConnecting, connectingBankName, onConnect }: {
 
 export function BankSelector({
   onConnect,
+  onPsuTypeDetected,
   isConnecting = false,
   connectingBankName = null,
   className,
@@ -111,6 +113,9 @@ export function BankSelector({
         if (data.sandbox !== undefined) {
           setIsSandbox(data.sandbox)
         }
+        if (data.psu_type && onPsuTypeDetected) {
+          onPsuTypeDetected(data.psu_type)
+        }
       } catch {
         setError('Kunde inte ladda banker')
       } finally {
@@ -118,7 +123,8 @@ export function BankSelector({
       }
     }
     fetchBanks()
-  }, [])
+  // eslint-disable-next-line react-hooks/exhaustive-deps -- onPsuTypeDetected is a stable setter, only run on mount
+  }, [onPsuTypeDetected])
 
   const filteredBanks = banks.filter((bank) =>
     bank.name.toLowerCase().includes(searchQuery.toLowerCase())
diff --git a/extensions/general/enable-banking/components/BankingSettingsPanel.tsx b/extensions/general/enable-banking/components/BankingSettingsPanel.tsx
index 6a8e5e73..4e25f856 100644
--- a/extensions/general/enable-banking/components/BankingSettingsPanel.tsx
+++ b/extensions/general/enable-banking/components/BankingSettingsPanel.tsx
@@ -7,6 +7,7 @@ import { Button } from '@/components/ui/button'
 import { useToast } from '@/components/ui/use-toast'
 import { DestructiveConfirmDialog, useDestructiveConfirm } from '@/components/ui/destructive-confirm-dialog'
 import { Loader2, Upload } from 'lucide-react'
+import { cn } from '@/lib/utils'
 import { createClient } from '@/lib/supabase/client'
 import { useCompany } from '@/contexts/CompanyContext'
 import { BankSelector, type Bank } from './BankSelector'
@@ -31,6 +32,7 @@ export default function BankingSettingsPanel() {
   const connectingRef = useRef(false)
   const [isLoading, setIsLoading] = useState(true)
   const [showCsvFallback, setShowCsvFallback] = useState(false)
+  const [psuType, setPsuType] = useState<'personal' | 'business'>('business')
 
   useEffect(() => {
     fetchConnections()
@@ -52,7 +54,7 @@ export default function BankingSettingsPanel() {
     setIsLoading(false)
   }
 
-  async function handleConnectBank(bank: Bank) {
+  async function handleConnectBank(bank: Bank, psuTypeOverride?: 'personal' | 'business') {
     if (connectingRef.current) return
     connectingRef.current = true
     setIsConnecting(true)
@@ -62,12 +64,16 @@ export default function BankingSettingsPanel() {
       console.log('[enable-banking] Initiating bank connection', {
         bankName: bank.name,
         bankCountry: bank.country,
+        psuTypeOverride,
       })
 
+      const body: Record<string, string> = { aspsp_name: bank.name, aspsp_country: bank.country }
+      if (psuTypeOverride) body.psu_type = psuTypeOverride
+
       const response = await fetch('/api/extensions/ext/enable-banking/connect', {
         method: 'POST',
         headers: { 'Content-Type': 'application/json' },
-        body: JSON.stringify({ aspsp_name: bank.name, aspsp_country: bank.country }),
+        body: JSON.stringify(body),
       })
 
       const data = await response.json()
@@ -288,9 +294,45 @@ export default function BankingSettingsPanel() {
             Välj din bank nedan för att koppla ditt konto via PSD2.
           </CardDescription>
         </CardHeader>
-        <CardContent>
+        <CardContent className="space-y-4">
+          {/* Account type selector */}
+          <div className="flex items-center gap-3">
+            <span className="text-sm text-muted-foreground">Kontotyp:</span>
+            <div className="inline-flex rounded-lg border border-border p-0.5">
+              <button
+                type="button"
+                onClick={() => setPsuType('business')}
+                className={cn(
+                  'rounded-md px-3 py-1.5 text-sm font-medium transition-colors',
+                  psuType === 'business'
+                    ? 'bg-primary text-primary-foreground'
+                    : 'text-muted-foreground hover:text-foreground'
+                )}
+              >
+                Företagskonto
+              </button>
+              <button
+                type="button"
+                onClick={() => setPsuType('personal')}
+                className={cn(
+                  'rounded-md px-3 py-1.5 text-sm font-medium transition-colors',
+                  psuType === 'personal'
+                    ? 'bg-primary text-primary-foreground'
+                    : 'text-muted-foreground hover:text-foreground'
+                )}
+              >
+                Privatkonto
+              </button>
+            </div>
+          </div>
+          {psuType === 'personal' && (
+            <p className="text-xs text-muted-foreground">
+              Välj Privatkonto om du använder ditt personliga bankkonto för din verksamhet (vanligt för enskild firma).
+            </p>
+          )}
           <BankSelector
-            onConnect={handleConnectBank}
+            onConnect={(bank) => handleConnectBank(bank, psuType)}
+            onPsuTypeDetected={setPsuType}
             isConnecting={isConnecting}
             connectingBankName={connectingBankName}
           />
diff --git a/extensions/general/enable-banking/index.ts b/extensions/general/enable-banking/index.ts
index aea7eba4..32f1f9bd 100644
--- a/extensions/general/enable-banking/index.ts
+++ b/extensions/general/enable-banking/index.ts
@@ -40,14 +40,27 @@ export const enableBankingExtension: Extension = {
       handler: async (_request: Request, ctx?: ExtensionContext) => {
         const log = ctx?.log ?? console
         try {
-          const aspsps = await getASPSPs('SE')
+          // Detect PSU type from company entity_type
+          let psuType: 'personal' | 'business' = 'business'
+          if (ctx?.companyId && ctx?.supabase) {
+            const { data: company } = await ctx.supabase
+              .from('companies')
+              .select('entity_type')
+              .eq('id', ctx.companyId)
+              .single()
+            if (company?.entity_type === 'enskild_firma') {
+              psuType = 'personal'
+            }
+          }
+
+          const aspsps = await getASPSPs('SE', psuType)
           const banks = aspsps.map((aspsp: ASPSP) => ({
             name: aspsp.name,
             country: aspsp.country,
             logo: aspsp.logo,
             bic: aspsp.bic,
           }))
-          return NextResponse.json({ banks, sandbox: isSandboxMode() })
+          return NextResponse.json({ banks, psu_type: psuType, sandbox: isSandboxMode() })
         } catch (error) {
           log.error('Error fetching banks:', error)
           return NextResponse.json({
@@ -74,7 +87,7 @@ export const enableBankingExtension: Extension = {
           return NextResponse.json({ error: 'Unauthorized' }, { status: 401 })
         }
 
-        const { aspsp_name, aspsp_country } = await request.json()
+        const { aspsp_name, aspsp_country, psu_type: explicitPsuType } = await request.json()
 
         if (!aspsp_name || !aspsp_country) {
           return NextResponse.json(
@@ -84,9 +97,21 @@ export const enableBankingExtension: Extension = {
         }
 
         try {
-          // Always use 'business' PSU type — gnubok is accounting software,
-          // users connect business accounts regardless of entity type (AB or EF)
-          const psuType = 'business'
+          // Detect PSU type: explicit override > company entity_type > default 'business'
+          let psuType: 'personal' | 'business' = 'business'
+          if (explicitPsuType === 'personal' || explicitPsuType === 'business') {
+            psuType = explicitPsuType
+          } else {
+            const companyId = ctx?.companyId ?? user.id
+            const { data: company } = await supabase
+              .from('companies')
+              .select('entity_type')
+              .eq('id', companyId)
+              .single()
+            if (company?.entity_type === 'enskild_firma') {
+              psuType = 'personal'
+            }
+          }
 
           log.info('[enable-banking] Starting bank connection', {
             user_id: user.id,
diff --git a/extensions/general/enable-banking/lib/api-client.ts b/extensions/general/enable-banking/lib/api-client.ts
index 02616d26..d6e2c0be 100644
--- a/extensions/general/enable-banking/lib/api-client.ts
+++ b/extensions/general/enable-banking/lib/api-client.ts
@@ -221,13 +221,13 @@ async function authenticatedFetchWithRetry(
 /**
  * Get list of supported banks (ASPSPs) for a country
  */
-export async function getASPSPs(country: string = 'SE'): Promise<ASPSP[]> {
-  const psuType = process.env.ENABLE_BANKING_PSU_TYPE || 'business'
+export async function getASPSPs(country: string = 'SE', psuType?: 'personal' | 'business'): Promise<ASPSP[]> {
+  const resolvedPsuType = psuType || process.env.ENABLE_BANKING_PSU_TYPE || 'business'
   const isSandbox = ENABLE_BANKING_API_URL.includes('tilisy')
   const params = new URLSearchParams({
     country,
     sandbox: String(isSandbox),
-    psu_type: psuType,
+    psu_type: resolvedPsuType,
   })
   const response = await authenticatedFetchWithRetry(`/aspsps?${params.toString()}`)
 
@@ -238,7 +238,7 @@ export async function getASPSPs(country: string = 'SE'): Promise<ASPSP[]> {
       statusText: response.statusText,
       body,
       country,
-      psuType,
+      psuType: resolvedPsuType,
       sandbox: isSandbox,
       apiUrl: ENABLE_BANKING_API_URL,
     })