diff --git a/MoneyMap/Models/Transaction.cs b/MoneyMap/Models/Transaction.cs
index fad6567..c1f1249 100644
--- a/MoneyMap/Models/Transaction.cs
+++ b/MoneyMap/Models/Transaction.cs
@@ -5,7 +5,7 @@ using System.Transactions;
 
 namespace MoneyMap.Models;
 
-[Index(nameof(Date), nameof(Amount), nameof(Name), nameof(Memo), nameof(CardId), nameof(AccountId), IsUnique = true)]
+[Index(nameof(Date), nameof(Amount), nameof(Name), nameof(Memo), nameof(AccountId), nameof(CardId), IsUnique = true)]
 public class Transaction
 {
     [Key]
@@ -31,37 +31,51 @@ public class Transaction
 
     public string Notes { get; set; } = string.Empty;
 
-    // Payment method - EITHER Card OR Account (not both)
-    // For credit/debit card transactions
+    // Primary container: Every transaction belongs to an Account (the source of CSV)
+    [Required]
+    [ForeignKey(nameof(Account))]
+    public int AccountId { get; set; }
+    public Account Account { get; set; } = null!;
+
+    // Optional: Card used for this transaction (if it was a card payment)
     [ForeignKey(nameof(Card))]
     public int? CardId { get; set; }
     public Card? Card { get; set; }
 
-    // For bank account transactions (checking, savings)
-    [ForeignKey(nameof(Account))]
-    public int? AccountId { get; set; }
-    public Account? Account { get; set; }
+    // Optional: For transfers between accounts, this links to the destination account
+    // This transaction is the "source" side of the transfer (debit)
+    // The matching transaction in the destination account has this AccountId as its TransferToAccountId
+    [ForeignKey(nameof(TransferToAccount))]
+    public int? TransferToAccountId { get; set; }
+    public Account? TransferToAccount { get; set; }
 
     [MaxLength(4)]
-    public string? Last4 { get; set; } // parsed from Memo if present (replaces CardLast4)
+    public string? Last4 { get; set; } // parsed from Memo if present
 
     public ICollection<Receipt> Receipts { get; set; } = new List<Receipt>();
 
     [NotMapped] public bool IsCredit => Amount > 0;
     [NotMapped] public bool IsDebit => Amount < 0;
+    [NotMapped] public bool IsTransfer => TransferToAccountId.HasValue;
 
     [NotMapped]
     public string PaymentMethodLabel
     {
         get
         {
+            // Handle transfers
+            if (IsTransfer)
+            {
+                var toLabel = TransferToAccount?.DisplayLabel ?? "Unknown";
+                return $"Transfer → {toLabel}";
+            }
+
+            // If card was used, show just the card (since account is implied)
             if (Card != null)
-                return $"{Card.Issuer} {Card.Last4}";
-            if (Account != null)
-                return $"{Account.Institution} {Account.Last4}";
-            if (!string.IsNullOrEmpty(Last4))
-                return $"···· {Last4}";
-            return "Unknown";
+                return Card.DisplayLabel;
+
+            // Direct account transaction (no card)
+            return Account?.DisplayLabel ?? $"···· {Last4}";
         }
     }
 }
diff --git a/MoneyMap/Pages/Transactions.cshtml b/MoneyMap/Pages/Transactions.cshtml
index 78921c1..8cd1070 100644
--- a/MoneyMap/Pages/Transactions.cshtml
+++ b/MoneyMap/Pages/Transactions.cshtml
@@ -121,7 +121,7 @@
                             <th>Memo</th>
                             <th style="width: 110px;" class="text-end">Amount</th>
                             <th style="width: 160px;">Category</th>
-                            <th style="width: 110px;">Card</th>
+                            <th style="width: 140px;">Payment/Account</th>
                             <th style="width: 120px;">Actions</th>
                         </tr>
                     </thead>
@@ -164,7 +164,9 @@
                                         @t.Category
                                     }
                                 </td>
-                                <td>@t.CardLabel</td>
+                                <td class="small">
+                                    @t.CardLabel
+                                </td>
                                 <td>
                                     <a asp-page="/EditTransaction" asp-route-id="@t.Id" class="btn btn-sm btn-outline-primary" title="Edit">
                                         Edit