diff --git a/components/bookkeeping/BookingTemplatePicker.tsx b/components/bookkeeping/BookingTemplatePicker.tsx
index 1949c759..60db2692 100644
--- a/components/bookkeeping/BookingTemplatePicker.tsx
+++ b/components/bookkeeping/BookingTemplatePicker.tsx
@@ -1,6 +1,7 @@
 'use client'
 
-import { useState, useEffect, useMemo, useCallback } from 'react'
+import { useState, useEffect, useMemo } from 'react'
+import { useBookingTemplates } from '@/lib/reference-data/hooks'
 import { Button } from '@/components/ui/button'
 import { Input } from '@/components/ui/input'
 import { useToast } from '@/components/ui/use-toast'
@@ -13,7 +14,7 @@ import {
 } from '@/components/ui/dialog'
 import { BookOpen, Search, Building2, Users, Globe } from 'lucide-react'
 import { TEMPLATE_CATEGORY_LABELS, SCOPE_LABELS, getTemplateScope, applyTemplate } from '@/lib/bookkeeping/template-library'
-import type { BookingTemplateLibrary, BookingTemplateCategory, EntityType } from '@/types'
+import type { BookingTemplateCategory, EntityType } from '@/types'
 import type { FormLine } from '@/components/bookkeeping/JournalEntryForm'
 
 interface Props {
@@ -33,8 +34,10 @@ const SCOPE_ICONS = {
 export default function BookingTemplatePicker({ onApply, entityType, defaultAmount }: Props) {
   const { toast } = useToast()
   const [open, setOpen] = useState(false)
-  const [templates, setTemplates] = useState<BookingTemplateLibrary[]>([])
-  const [isLoading, setIsLoading] = useState(false)
+  // Session-cached (lib/reference-data): the list is there on the first
+  // open and reopening costs no request; writes in the settings panel
+  // invalidate it.
+  const { templates, isLoading, error: templatesError } = useBookingTemplates()
   const [search, setSearch] = useState('')
   const [selectedCategory, setSelectedCategory] = useState<BookingTemplateCategory | 'all'>('all')
   const [amount, setAmount] = useState('')
@@ -49,26 +52,9 @@ export default function BookingTemplatePicker({ onApply, entityType, defaultAmou
     }
   }, [open, defaultAmount])
 
-  const fetchTemplates = useCallback(async (signal?: AbortSignal) => {
-    setIsLoading(true)
-    try {
-      const r = await fetch('/api/settings/booking-templates', { signal })
-      const { data } = await r.json()
-      setTemplates(data || [])
-    } catch (err) {
-      if (err instanceof DOMException && err.name === 'AbortError') return
-      toast({ title: 'Kunde inte hämta mallar', variant: 'destructive' })
-    } finally {
-      setIsLoading(false)
-    }
-  }, [toast])
-
   useEffect(() => {
-    if (!open) return
-    const controller = new AbortController()
-    fetchTemplates(controller.signal)
-    return () => { controller.abort() }
-  }, [open, fetchTemplates])
+    if (open && templatesError) toast({ title: 'Kunde inte hämta mallar', variant: 'destructive' })
+  }, [open, templatesError, toast])
 
   const filtered = useMemo(() => {
     let result = templates
diff --git a/components/bookkeeping/CreatePeriodDialog.tsx b/components/bookkeeping/CreatePeriodDialog.tsx
index 48bd5afe..a4ec7235 100644
--- a/components/bookkeeping/CreatePeriodDialog.tsx
+++ b/components/bookkeeping/CreatePeriodDialog.tsx
@@ -19,6 +19,7 @@ import { Loader2 } from 'lucide-react'
 import { computeSuggestedPeriod } from '@/lib/bookkeeping/suggest-fiscal-period'
 import { fiscalPeriodAdvisoryText } from '@/lib/bookkeeping/fiscal-period-warnings'
 import type { FiscalPeriod } from '@/types'
+import { invalidateReferenceData } from '@/lib/reference-data/invalidate'
 
 interface Props {
   open: boolean
@@ -108,6 +109,11 @@ export default function CreatePeriodDialog({ open, onOpenChange, entryDate, peri
         return
       }
 
+      // Every picker and form reads periods from the session cache
+      // (lib/reference-data): refresh it now so the new year is selectable
+      // everywhere at once, not only in the caller that gets onCreated.
+      void invalidateReferenceData('ref:fiscal-periods')
+
       // The 200 may carry non-blocking advisories (today: a prior räkenskapsår
       // still open, which is the normal state while the bokslut runs). The
       // period WAS created, so this is information, never a failure: show the
diff --git a/components/bookkeeping/JournalEntryForm.tsx b/components/bookkeeping/JournalEntryForm.tsx
index 600a53c9..dee72af5 100644
--- a/components/bookkeeping/JournalEntryForm.tsx
+++ b/components/bookkeeping/JournalEntryForm.tsx
@@ -26,6 +26,8 @@ import { deriveTemplateLinesFromBooking } from '@/lib/bookkeeping/template-libra
 import { sourceTypeForTemplateCategory } from '@/lib/bookkeeping/template-source-type'
 import { TemplateForm } from '@/components/settings/TemplateForm'
 import CreatePeriodDialog from '@/components/bookkeeping/CreatePeriodDialog'
+import { useAccounts, useCompanySettings, useFiscalPeriods } from '@/lib/reference-data/hooks'
+import { invalidateReferenceData } from '@/lib/reference-data/invalidate'
 import { ActivateAccountsDialog } from '@/components/bookkeeping/ActivateAccountsDialog'
 import { AddAccountDialog } from '@/components/bookkeeping/AddAccountDialog'
 import { splitCreateAccountPrefill } from '@/lib/bookkeeping/create-account-prefill'
@@ -48,7 +50,7 @@ import { resolveFxLineSlot } from '@/lib/bookkeeping/fx-line-slot'
 import { useUnsavedChanges } from '@/lib/hooks/use-unsaved-changes'
 import { useCompany } from '@/contexts/CompanyContext'
 import type { UploadedFile } from '@/components/bookkeeping/DocumentUploadZone'
-import type { CreateJournalEntryLineInput, FiscalPeriod, BASAccount, JournalEntrySourceType, Currency, BookingTemplateLibrary, BookingTemplateCategory } from '@/types'
+import type { CreateJournalEntryLineInput, FiscalPeriod, JournalEntrySourceType, Currency, BookingTemplateLibrary, BookingTemplateCategory } from '@/types'
 import type { BookedDuplicateCandidate } from '@/lib/transactions/booking-duplicate-detection'
 
 const CURRENCIES: { value: Currency; label: string }[] = [
@@ -150,7 +152,12 @@ export default function JournalEntryForm({
   // copy from this namespace.
   const tTpl = useTranslations('settings_booking_templates')
   const locale = useLocale()
-  const [periods, setPeriods] = useState<FiscalPeriod[]>([])
+  // Session-cached reference data (lib/reference-data): seeded by the
+  // dashboard layout, so the period select, the account picker and the
+  // settings-driven defaults render populated on the first paint instead of
+  // after four round trips, and re-opening the dialog costs no requests.
+  const { periods } = useFiscalPeriods()
+  const { settings: companySettings } = useCompanySettings()
   const [selectedPeriod, setSelectedPeriod] = useState('')
   const [entryDate, setEntryDate] = useState(initialDate ?? new Date().toISOString().split('T')[0])
   const [description, setDescription] = useState(initialDescription ?? '')
@@ -160,7 +167,7 @@ export default function JournalEntryForm({
   // when company_settings.dimensions_enabled: a UI-visibility gate; lines
   // that already carry dimensions (e.g. a draft being edited) still round-trip
   // untouched when the toggle is off.
-  const [dimensionsEnabled, setDimensionsEnabled] = useState(false)
+  const dimensionsEnabled = companySettings?.dimensions_enabled === true
   const [showDims, setShowDims] = useState(false)
   // Header-level default dims ("gäller alla rader"). The per-row maps on
   // `lines` are the ONE source of truth: this state only drives the header
@@ -209,7 +216,7 @@ export default function JournalEntryForm({
   // enabled so the attempt can happen; the handlers gate on validity.
   const [showValidationHints, setShowValidationHints] = useState(false)
   const [uploadedFiles, setUploadedFiles] = useState<UploadedFile[]>([])
-  const [accounts, setAccounts] = useState<BASAccount[]>([])
+  const { accounts } = useAccounts()
   // Full BAS catalogue (static reference data, fetched once per session). Lets
   // the account picker surface standard accounts the company hasn't activated
   // yet; picking one activates it at commit via the existing rail.
@@ -258,31 +265,6 @@ export default function JournalEntryForm({
     uploadedFiles.length > 0
   useUnsavedChanges(hasContent)
 
-  async function fetchPeriods() {
-    const res = await fetch('/api/bookkeeping/fiscal-periods')
-    const { data } = await res.json()
-    const fetched: FiscalPeriod[] = data || []
-    setPeriods(fetched)
-
-    // Auto-select period matching the current entry date
-    const match = fetched.find(
-      (p) => entryDate >= p.period_start && entryDate <= p.period_end
-    )
-    if (match) {
-      setSelectedPeriod(match.id)
-      setPeriodMismatch(null)
-    } else if (fetched.length > 0) {
-      setSelectedPeriod(fetched[0].id)
-      setPeriodMismatch('no_period')
-    }
-  }
-
-  async function fetchAccounts() {
-    const res = await fetch('/api/bookkeeping/accounts')
-    const { data } = await res.json()
-    setAccounts(data || [])
-  }
-
   // Resolve + set the default voucher series for a source type from the cached
   // company config: prefer the per-source-type mapping, fall back to the legacy
   // default_voucher_series, then to 'A'. Reads refs (stable), so it can run both
@@ -293,28 +275,28 @@ export default function JournalEntryForm({
   }, [])
 
   useEffect(() => {
-    fetchPeriods()
-    fetchAccounts()
     loadBasCatalog().then(setCatalog).catch(() => {/* search degrades to the active chart */})
-    // Company settings power two things here: dimensions_enabled gates the
-    // tagging affordances (all modes, incl. the TransactionBookingDialog
-    // embed), and the default voucher series seeds the standalone form:
-    // prefer the per-source-type mapping when present; fall back to the legacy
-    // default_voucher_series, then to 'A'. In edit mode the draft's own series
-    // is pre-filled: never override it from the company defaults.
-    fetch('/api/settings').then(r => r.json()).then(({ data }) => {
-      if (!data) return
-      setDimensionsEnabled(data.dimensions_enabled === true)
-      seriesMapRef.current =
-        (data.default_voucher_series_per_source_type as Record<string, string> | null) ?? null
-      defaultSeriesRef.current = data.default_voucher_series || 'A'
-      if (!embedded && !editEntryId) {
-        applySeriesForSourceType(effectiveSourceTypeRef.current)
-      }
-    }).catch(() => {/* keep 'A' + hidden dimension affordances */})
-  }, [embedded, sourceType, editEntryId, applySeriesForSourceType])
+  }, [])
 
-  // Auto-select period when entry date changes
+  // Company settings seed the default voucher series for the standalone form:
+  // prefer the per-source-type mapping when present; fall back to the legacy
+  // default_voucher_series, then to 'A'. In edit mode the draft's own series
+  // is pre-filled: never override it from the company defaults. (dimensions_
+  // enabled, which gates the tagging affordances in all modes incl. the
+  // TransactionBookingDialog embed, is derived directly above.)
+  useEffect(() => {
+    if (!companySettings) return
+    seriesMapRef.current =
+      (companySettings.default_voucher_series_per_source_type as Record<string, string> | null) ?? null
+    defaultSeriesRef.current = companySettings.default_voucher_series || 'A'
+    if (!embedded && !editEntryId) {
+      applySeriesForSourceType(effectiveSourceTypeRef.current)
+    }
+  }, [companySettings, embedded, sourceType, editEntryId, applySeriesForSourceType])
+
+  // Auto-select the period matching the entry date (on load and whenever the
+  // date changes). With no match, fall back to the newest period only when
+  // nothing is selected yet, and flag the mismatch either way.
   useEffect(() => {
     if (periods.length === 0) return
     const match = periods.find(
@@ -324,6 +306,7 @@ export default function JournalEntryForm({
       setSelectedPeriod(match.id)
       setPeriodMismatch(null)
     } else {
+      setSelectedPeriod((current) => current || periods[0].id)
       setPeriodMismatch('no_period')
     }
   }, [entryDate, periods])
@@ -349,12 +332,15 @@ export default function JournalEntryForm({
   // Read-only hint; the actual number is reserved atomically at commit time,
   // so this may shift by one if another entry lands first.
   useEffect(() => {
-    if (embedded || !selectedPeriod || !voucherSeries) {
+    if (embedded || !entryDate || !voucherSeries) {
       setNextVoucherNumber(null)
       return
     }
     let cancelled = false
-    const qs = new URLSearchParams({ period_id: selectedPeriod, series: voucherSeries })
+    // Keyed on the entry date rather than the resolved period so the preview
+    // fires as soon as the series is known: the route resolves the period
+    // from the date itself, which is exactly how selectedPeriod is derived.
+    const qs = new URLSearchParams({ date: entryDate, series: voucherSeries })
     fetch(`/api/bookkeeping/voucher-sequences/next?${qs}`)
       .then((r) => (r.ok ? r.json() : null))
       .then((body) => {
@@ -368,7 +354,7 @@ export default function JournalEntryForm({
     return () => {
       cancelled = true
     }
-  }, [embedded, selectedPeriod, voucherSeries])
+  }, [embedded, entryDate, voucherSeries])
 
   // Fetch exchange rate from Riksbanken when currency changes
   const fetchRate = useCallback(async (currency: Currency) => {
@@ -821,7 +807,7 @@ export default function JournalEntryForm({
   // reactivating an existing account, where the rest of the row is whatever
   // the company already had stored and is picked up by fetchAccounts.
   const handleAccountCreated = async (account: { account_number: string }) => {
-    await fetchAccounts()
+    await invalidateReferenceData('ref:accounts')
     if (creatingAccountForLine != null) {
       updateLine(creatingAccountForLine, 'account_number', account.account_number)
     }
@@ -2136,7 +2122,7 @@ export default function JournalEntryForm({
         onOpenChange={setShowCreatePeriod}
         entryDate={entryDate}
         periods={periods}
-        onCreated={fetchPeriods}
+        onCreated={() => void invalidateReferenceData('ref:fiscal-periods')}
       />
 
       {/* Clear-all confirmation */}
diff --git a/components/bookkeeping/TemplateBookDialog.tsx b/components/bookkeeping/TemplateBookDialog.tsx
index 5be8b404..989d89a4 100644
--- a/components/bookkeeping/TemplateBookDialog.tsx
+++ b/components/bookkeeping/TemplateBookDialog.tsx
@@ -23,7 +23,8 @@ import {
 import { formatVoucher } from '@/lib/bookkeeping/voucher-series-resolver'
 import { roundOre } from '@/lib/money'
 import { ArrowLeft, Check, ChevronRight, Loader2, Search } from 'lucide-react'
-import type { BookingTemplateLibrary, FiscalPeriod } from '@/types'
+import type { BookingTemplateLibrary } from '@/types'
+import { useBookingTemplates, useFiscalPeriods } from '@/lib/reference-data/hooks'
 import type { FormLine } from '@/components/bookkeeping/JournalEntryForm'
 
 interface Props {
@@ -49,40 +50,17 @@ export default function TemplateBookDialog({ open, onOpenChange, onCreated }: Pr
   const t = useTranslations('bookkeeping')
   const { toast } = useToast()
 
-  const [templates, setTemplates] = useState<BookingTemplateLibrary[] | null>(null)
-  const [periods, setPeriods] = useState<FiscalPeriod[]>([])
+  // Session-cached (lib/reference-data): opening the dialog costs no
+  // requests once the lists are in the cache. null = still loading.
+  const { templates: cachedTemplates, isLoading: templatesLoading } = useBookingTemplates()
+  const templates: BookingTemplateLibrary[] | null = templatesLoading ? null : cachedTemplates
+  const { periods } = useFiscalPeriods()
   const [search, setSearch] = useState('')
   const [selected, setSelected] = useState<BookingTemplateLibrary | null>(null)
   const [entryDate, setEntryDate] = useState(() => new Date().toISOString().split('T')[0])
   const [amountInput, setAmountInput] = useState('')
   const [submitting, setSubmitting] = useState(false)
 
-  // Load templates + fiscal periods when the dialog opens.
-  useEffect(() => {
-    if (!open) return
-    let cancelled = false
-    ;(async () => {
-      const [tplRes, periodRes] = await Promise.all([
-        fetch('/api/settings/booking-templates'),
-        fetch('/api/bookkeeping/fiscal-periods'),
-      ])
-      if (cancelled) return
-      if (tplRes.ok) {
-        const { data } = await tplRes.json()
-        if (!cancelled) setTemplates(data ?? [])
-      } else {
-        setTemplates([])
-      }
-      if (periodRes.ok) {
-        const { data } = await periodRes.json()
-        if (!cancelled) setPeriods(data ?? [])
-      }
-    })()
-    return () => {
-      cancelled = true
-    }
-  }, [open])
-
   // Reset per open so yesterday's half-typed amount never leaks into today.
   useEffect(() => {
     if (open) return
diff --git a/components/extensions/general/BookDirectlyDialog.tsx b/components/extensions/general/BookDirectlyDialog.tsx
index bc827b27..3f8423ff 100644
--- a/components/extensions/general/BookDirectlyDialog.tsx
+++ b/components/extensions/general/BookDirectlyDialog.tsx
@@ -25,6 +25,7 @@ import { TemplateForm } from '@/components/settings/TemplateForm'
 import { deriveTemplateLinesFromBooking } from '@/lib/bookkeeping/template-library'
 import { ActivateAccountsDialog } from '@/components/bookkeeping/ActivateAccountsDialog'
 import { useCompany } from '@/contexts/CompanyContext'
+import { useAccounts, useCashAccounts, useFiscalPeriods } from '@/lib/reference-data/hooks'
 import {
   useSubmitWithAccountActivation,
   throwOnStructuredError,
@@ -36,7 +37,7 @@ import { resolveAccount } from '@/lib/cash-accounts/resolve-account'
 import { renderChannelContextNotes } from '@/lib/documents/channel-context-notes'
 import { formatCounterpartyName } from '@/lib/bookkeeping/counterparty-templates'
 import { AttnLine } from '@/components/ui/attn-line'
-import type { BASAccount, BookingTemplateLibrary, CashAccount, FiscalPeriod, InboxChannelContext, InvoiceExtractionResult } from '@/types'
+import type { BookingTemplateLibrary, CashAccount, InboxChannelContext, InvoiceExtractionResult } from '@/types'
 
 interface InboxItem {
   id: string
@@ -185,11 +186,15 @@ export default function BookDirectlyDialog({ open, onOpenChange, item, docUrl =
   // pending, or unsupported.
   const [fxRate, setFxRate] = useState<number | null>(null)
 
-  // null = fetch pending; array = loaded (may be empty on error: falls back to '1930')
-  const [cashAccounts, setCashAccounts] = useState<CashAccount[] | null>(null)
-
-  const [periods, setPeriods] = useState<FiscalPeriod[]>([])
-  const [accounts, setAccounts] = useState<BASAccount[]>([])
+  // Session-cached reference data (lib/reference-data), seeded by the
+  // dashboard layout: the settlement account, the period and the account
+  // picker are known on the first paint instead of after three round trips
+  // per open. cashAccounts stays null only while the list is still loading
+  // (no seed): the prefill effect below reads that as "not resolved yet".
+  const { cashAccounts: cachedCashAccounts, isLoading: cashAccountsLoading } = useCashAccounts()
+  const cashAccounts: CashAccount[] | null = cashAccountsLoading ? null : cachedCashAccounts
+  const { periods } = useFiscalPeriods()
+  const { accounts } = useAccounts()
   // Full BAS catalogue (static reference data, fetched once per session). Lets
   // the account picker surface standard accounts the company hasn't activated
   // yet; picking one activates it at commit via the existing
@@ -316,29 +321,6 @@ export default function BookDirectlyDialog({ open, onOpenChange, item, docUrl =
     // eslint-disable-next-line react-hooks/exhaustive-deps
   }, [open, targetCurrency, item.id])
 
-  // Fetch cash accounts once when the dialog opens so the settlement line can
-  // be routed to the correct ledger account instead of the hardcoded '1930'.
-  useEffect(() => {
-    if (!open) return
-    setCashAccounts(null)
-    let cancelled = false
-    fetch('/api/cash-accounts')
-      .then((r) => {
-        if (!r.ok) throw new Error(`cash-accounts fetch failed: ${r.status}`)
-        return r.json()
-      })
-      .then((json) => {
-        if (cancelled) return
-        setCashAccounts((json.data ?? []) as CashAccount[])
-      })
-      .catch(() => {
-        // Fall back to empty list: resolveAccount will return '1930'
-        if (!cancelled) setCashAccounts([])
-      })
-    return () => { cancelled = true }
-    // eslint-disable-next-line react-hooks/exhaustive-deps
-  }, [open, item.id])
-
   // SEK-equivalent of the underlag total: the anchor for ranking candidates.
   const targetSek = useMemo(() => {
     if (targetAmount == null) return null
@@ -403,25 +385,11 @@ export default function BookDirectlyDialog({ open, onOpenChange, item, docUrl =
     })
   }, [open, item, selectedTransactionAmount, bankAccount])
 
-  // Fetch fiscal periods and accounts on first open
+  // Load the static BAS catalogue on first open (periods and accounts come
+  // from the session cache above).
   useEffect(() => {
     if (!open) return
     let cancelled = false
-    ;(async () => {
-      try {
-        const [periodsRes, accountsRes] = await Promise.all([
-          fetch('/api/bookkeeping/fiscal-periods'),
-          fetch('/api/bookkeeping/accounts'),
-        ])
-        const periodsJson = await periodsRes.json()
-        const accountsJson = await accountsRes.json()
-        if (cancelled) return
-        setPeriods(periodsJson.data || [])
-        setAccounts(accountsJson.data || [])
-      } catch (err) {
-        console.error('[book-direct] fetch reference data failed:', err)
-      }
-    })()
     loadBasCatalog().then((data) => {
       if (!cancelled) setCatalog(data)
     }).catch(() => {/* search degrades to the active chart */})
diff --git a/components/settings/BookingTemplatesPanel.tsx b/components/settings/BookingTemplatesPanel.tsx
index 77f3f96d..3e9056c3 100644
--- a/components/settings/BookingTemplatesPanel.tsx
+++ b/components/settings/BookingTemplatesPanel.tsx
@@ -22,6 +22,7 @@ import { downloadFile } from '@/lib/browser/download-file'
 import type { ErrorLocale } from '@/lib/errors/get-error-message'
 import { cn } from '@/lib/utils'
 import type { BookingTemplateLibrary, BookingTemplateLibraryLine } from '@/types'
+import { invalidateReferenceData } from '@/lib/reference-data/invalidate'
 
 export function BookingTemplatesPanel() {
   const t = useTranslations('settings_booking_templates')
@@ -73,6 +74,9 @@ export function BookingTemplatesPanel() {
         return
       }
       setTemplates((prev) => prev.filter((tt) => tt.id !== id))
+      // The pickers read the session cache (lib/reference-data): drop the
+      // deleted template there too, not just from this panel's own list.
+      void invalidateReferenceData('ref:booking-templates')
       toast({ title: t('toast_deleted') })
     } finally {
       setDeletingId(null)
@@ -125,6 +129,7 @@ export function BookingTemplatesPanel() {
       }
       toast({ title: t('toast_import_done'), description: t('toast_import_count', { count: json.imported }) })
       fetchTemplates()
+      void invalidateReferenceData('ref:booking-templates')
     } catch {
       toast({ title: t('toast_import_error'), description: t('toast_invalid_file'), variant: 'destructive' })
     } finally {
diff --git a/components/transactions/TemplatePicker.tsx b/components/transactions/TemplatePicker.tsx
index 6344c137..61195f8e 100644
--- a/components/transactions/TemplatePicker.tsx
+++ b/components/transactions/TemplatePicker.tsx
@@ -25,6 +25,7 @@ import { convertLibraryToBookingTemplate, LIBRARY_TEMPLATE_PREFIX, isLibraryTemp
 import { getAccountName } from '@/lib/bookkeeping/client-account-names'
 import type { BookingTemplateLibrary, EntityType } from '@/types'
 import type { SuggestedTemplate } from '@/lib/transactions/category-suggestions'
+import { useBookingTemplates } from '@/lib/reference-data/hooks'
 
 // Cap on the "Konton" search-result group: enough to cover sibling accounts
 // on a number-prefix query without drowning the template results.
@@ -264,7 +265,16 @@ export default function TemplatePicker({
   const t = useTranslations('tx_template_picker')
   const [searchQuery, setSearchQuery] = useState('')
   const [showAdvanced, setShowAdvanced] = useState(false)
-  const [libraryRaw, setLibraryRaw] = useState<BookingTemplateLibrary[]>([])
+  // The user's library templates (company + team scope), session-cached
+  // (lib/reference-data). Kept in their raw shape so every template renders,
+  // even ones that don't fit convertLibraryToBookingTemplate's simple
+  // 2-account contract: those get routed through the manual booking dialog
+  // instead of the QuickReview single-account path.
+  const { templates: libraryTemplates } = useBookingTemplates()
+  const libraryRaw = useMemo(
+    () => libraryTemplates.filter((tt) => !tt.is_system && tt.is_active),
+    [libraryTemplates],
+  )
   const [chartAccounts, setChartAccounts] = useState<ChartAccountLike[]>([])
   // Boolean gate rather than the callback itself: the parent recreates the
   // handler every render, and depending on its identity would refetch the
@@ -276,27 +286,6 @@ export default function TemplatePicker({
   // and users know what they made).
   const templateDirection = direction === 'income' ? 'income' : 'expense'
 
-  // Fetch the user's library templates (company + team scope). We keep them
-  // in their raw shape so we can render every template, even ones that don't
-  // fit convertLibraryToBookingTemplate's simple 2-account contract: those
-  // get routed through the manual booking dialog instead of the QuickReview
-  // single-account path.
-  useEffect(() => {
-    const controller = new AbortController()
-    ;(async () => {
-      try {
-        const res = await fetch('/api/settings/booking-templates', { signal: controller.signal })
-        if (!res.ok) return
-        const { data } = await res.json() as { data?: BookingTemplateLibrary[] }
-        if (!data) return
-        setLibraryRaw(data.filter((tt) => !tt.is_system && tt.is_active))
-      } catch (err) {
-        if (err instanceof DOMException && err.name === 'AbortError') return
-      }
-    })()
-    return () => { controller.abort() }
-  }, [])
-
   // Fetch the company's active chart so the search field can surface real
   // accounts (issue #1877: an active konto like 5460 was unfindable because
   // only template metadata was searched). The endpoint returns active
diff --git a/components/transactions/TransactionBookingDialog.tsx b/components/transactions/TransactionBookingDialog.tsx
index b16d8e85..185430c3 100644
--- a/components/transactions/TransactionBookingDialog.tsx
+++ b/components/transactions/TransactionBookingDialog.tsx
@@ -1,6 +1,6 @@
 'use client'
 
-import { useState, useEffect } from 'react'
+import { useMemo, useState } from 'react'
 import { useTranslations } from 'next-intl'
 import { Dialog, DialogContent, DialogHeader, DialogTitle, DialogDescription } from '@/components/ui/dialog'
 import { Button } from '@/components/ui/button'
@@ -18,9 +18,10 @@ import { resolveSekAmount, buildCurrencyMetadata } from '@/lib/bookkeeping/curre
 import { applyTemplate } from '@/lib/bookkeeping/template-library'
 import { proposalLinesToFormLines } from '@/lib/bookkeeping/proposal-lines'
 import type { ProposalLine } from '@/lib/bookkeeping/proposal-lines'
-import type { BookingTemplateLibrary, CashAccount } from '@/types'
+import type { BookingTemplateLibrary } from '@/types'
 import type { TransactionWithInvoice } from './transaction-types'
 import { resolveAccount } from '@/lib/cash-accounts/resolve-account'
+import { useCashAccounts } from '@/lib/reference-data/hooks'
 
 interface TransactionBookingDialogProps {
   open: boolean
@@ -136,39 +137,26 @@ export default function TransactionBookingDialog({
   const [uploadedFiles, setUploadedFiles] = useState<UploadedFile[]>([])
   const [pickedInboxDocs, setPickedInboxDocs] = useState<AvailableInboxDoc[]>([])
   const [inboxPickerOpen, setInboxPickerOpen] = useState(false)
-  const [bankAccount, setBankAccount] = useState<string | null>(null)
-  const [bankAccountName, setBankAccountName] = useState<string | null>(null)
-
-  useEffect(() => {
-    if (!open || !transaction) return
-    setBankAccount(null)
-    setBankAccountName(null)
-    let cancelled = false
-    fetch('/api/cash-accounts')
-      .then((r) => {
-        if (!r.ok) throw new Error(`cash-accounts fetch failed: ${r.status}`)
-        return r.json()
-      })
-      .then((json) => {
-        if (cancelled) return
-        const accounts = (json.data ?? []) as CashAccount[]
-        const { account } = resolveAccount(
-          accounts,
-          transaction.cash_account_id ?? null,
-          transaction.currency ?? 'SEK',
-        )
-        // Use the matched account's own name instead of a generic label.
-        const matched =
-          accounts.find((a) => a.id === transaction.cash_account_id) ??
-          accounts.find((a) => a.ledger_account === account)
-        setBankAccount(account)
-        setBankAccountName(matched?.name ?? null)
-      })
-      .catch(() => {
-        if (!cancelled) setBankAccount('1930')
-      })
-    return () => { cancelled = true }
-  }, [open, transaction?.id])
+  // Settlement account for the bank line: resolved from the session-cached
+  // cash accounts (seeded by the dashboard layout), so the form below mounts
+  // on the first paint instead of after a /api/cash-accounts round trip on
+  // every open. null only while the list is genuinely still loading.
+  const { cashAccounts, isLoading: cashAccountsLoading } = useCashAccounts()
+  const { bankAccount, bankAccountName } = useMemo(() => {
+    if (!transaction || cashAccountsLoading) {
+      return { bankAccount: null as string | null, bankAccountName: null as string | null }
+    }
+    const { account } = resolveAccount(
+      cashAccounts,
+      transaction.cash_account_id ?? null,
+      transaction.currency ?? 'SEK',
+    )
+    // Use the matched account's own name instead of a generic label.
+    const matched =
+      cashAccounts.find((a) => a.id === transaction.cash_account_id) ??
+      cashAccounts.find((a) => a.ledger_account === account)
+    return { bankAccount: account, bankAccountName: matched?.name ?? null }
+  }, [transaction, cashAccounts, cashAccountsLoading])
 
   if (!transaction) return null
 
diff --git a/lib/reference-data/fetchers.ts b/lib/reference-data/fetchers.ts
index b2db61e4..9b8898e5 100644
--- a/lib/reference-data/fetchers.ts
+++ b/lib/reference-data/fetchers.ts
@@ -22,13 +22,13 @@ import { createClient } from '@/lib/supabase/client'
 import type {
   Article,
   BASAccount,
+  BookingTemplateLibrary,
   CashAccount,
   Customer,
   FiscalPeriod,
   Supplier,
 } from '@/types'
 import type { DimensionDto } from '@/components/dimensions/types'
-import type { BookingTemplate } from '@/lib/bookkeeping/booking-templates'
 
 export class ReferenceFetchError extends Error {
   readonly status: number
@@ -42,7 +42,8 @@ export class ReferenceFetchError extends Error {
   }
 }
 
-export type BookingTemplateWithUsage = BookingTemplate & { last_used_at: string | null }
+/** A booking_templates row as the list route returns it, with its last-used stamp. */
+export type BookingTemplateWithUsage = BookingTemplateLibrary & { last_used_at: string | null }
 
 export async function fetchFiscalPeriods(companyId: string): Promise<FiscalPeriod[]> {
   const supabase = createClient()
diff --git a/scripts/checks/antipatterns-baseline.json b/scripts/checks/antipatterns-baseline.json
index 3dffb7fb..dfcd200a 100644
--- a/scripts/checks/antipatterns-baseline.json
+++ b/scripts/checks/antipatterns-baseline.json
@@ -34,7 +34,7 @@
     ]
   },
   "rawReferenceFetch": {
-    "count": 51,
+    "count": 46,
     "files": [
       "app/(dashboard)/assets/[id]/dispose/page.tsx",
       "app/(dashboard)/bookkeeping/year-end/page.tsx",
@@ -48,18 +48,14 @@
       "app/(dashboard)/salary/runs/[id]/page.tsx",
       "app/(dashboard)/supplier-invoices/[id]/page.tsx",
       "components/articles/ArticleForm.tsx",
-      "components/bookkeeping/BookingTemplatePicker.tsx",
       "components/bookkeeping/ChartOfAccounts.tsx",
       "components/bookkeeping/ChartOfAccountsManager.tsx",
       "components/bookkeeping/CorrectionEntryDialog.tsx",
       "components/bookkeeping/EditAccountDialog.tsx",
-      "components/bookkeeping/JournalEntryForm.tsx",
       "components/bookkeeping/StrikeLinesDialog.tsx",
-      "components/bookkeeping/TemplateBookDialog.tsx",
       "components/common/CashAccountSelector.tsx",
       "components/dimensions/types.ts",
       "components/extensions/general/ArcimMigrationWorkspace.tsx",
-      "components/extensions/general/BookDirectlyDialog.tsx",
       "components/extensions/general/InvoiceInboxWorkspace.tsx",
       "components/extensions/general/TicWorkspace.tsx",
       "components/import/BankFileConfirmStep.tsx",
@@ -85,7 +81,6 @@
       "components/transactions/MatchVoucherDialog.tsx",
       "components/transactions/QuickReviewDialog.tsx",
       "components/transactions/TemplatePicker.tsx",
-      "components/transactions/TransactionBookingDialog.tsx",
       "extensions/general/enable-banking/components/AccountPickerDialog.tsx"
     ]
   }