diff --git a/assets/scss/_onboarding.scss b/assets/scss/_onboarding.scss
index c386dc1..4e15ceb 100644
--- a/assets/scss/_onboarding.scss
+++ b/assets/scss/_onboarding.scss
@@ -635,3 +635,63 @@
   margin: 0;
   padding-left: calc(20px + 0.75rem);
 }
+
+.import-options {
+  display: flex;
+  flex-direction: column;
+  gap: 1rem;
+}
+
+.import-option {
+  display: flex;
+  align-items: center;
+  gap: 1rem;
+  width: 100%;
+  padding: 1.25rem 1.5rem;
+  border: 2px solid $border-gray;
+  border-radius: 12px;
+  background: $bg-white;
+  cursor: pointer;
+  text-align: left;
+  transition: all 0.2s ease;
+
+  &:hover {
+    border-color: $primary;
+    background: rgba(var(--color-primary-rgb), 0.05);
+  }
+}
+
+.import-option-icon {
+  display: grid;
+  place-items: center;
+  width: 44px;
+  height: 44px;
+  border-radius: 10px;
+  background: rgba(var(--color-primary-rgb), 0.1);
+  color: $primary;
+  flex-shrink: 0;
+
+  svg {
+    width: 24px;
+    height: 24px;
+  }
+}
+
+.import-option-text {
+  display: flex;
+  flex-direction: column;
+  gap: 0.2rem;
+  min-width: 0;
+}
+
+.import-option-title {
+  font-weight: 600;
+  font-size: 1rem;
+  color: $text-primary;
+}
+
+.import-option-desc {
+  font-size: 0.875rem;
+  color: $text-secondary;
+  line-height: 1.4;
+}
diff --git a/i18n/locales/de.json b/i18n/locales/de.json
index 40b5456..f01fc24 100644
--- a/i18n/locales/de.json
+++ b/i18n/locales/de.json
@@ -729,5 +729,11 @@
   "Could not complete the actions": "Aktionen konnten nicht ausgeführt werden",
   "Could not dismiss the actions": "Aktionen konnten nicht verworfen werden",
   "{count} changes await your confirmation": "{count} Änderungen warten auf Ihre Bestätigung",
-  "{count} changes": "{count} Änderungen"
+  "{count} changes": "{count} Änderungen",
+  "Bring your transactions in": "Bring deine Transaktionen herein",
+  "Start with what you already have instead of typing it all in. You can always add more by hand later.": "Beginne mit dem, was du schon hast, statt alles einzutippen. Von Hand ergänzen kannst du später jederzeit.",
+  "Import from a file": "Aus einer Datei importieren",
+  "A statement, a spreadsheet, or a photo of a receipt.": "Ein Kontoauszug, eine Tabelle oder ein Foto eines Belegs.",
+  "Connect {name}": "{name} verbinden",
+  "I'll add transactions myself": "Ich füge die Transaktionen selbst hinzu"
 }
diff --git a/i18n/locales/en.json b/i18n/locales/en.json
index 14a69cd..f1c2468 100644
--- a/i18n/locales/en.json
+++ b/i18n/locales/en.json
@@ -1346,5 +1346,11 @@
   "Could not complete the actions": "Could not complete the actions",
   "Could not dismiss the actions": "Could not dismiss the actions",
   "{count} changes await your confirmation": "{count} changes await your confirmation",
-  "{count} changes": "{count} changes"
+  "{count} changes": "{count} changes",
+  "Bring your transactions in": "Bring your transactions in",
+  "Start with what you already have instead of typing it all in. You can always add more by hand later.": "Start with what you already have instead of typing it all in. You can always add more by hand later.",
+  "Import from a file": "Import from a file",
+  "A statement, a spreadsheet, or a photo of a receipt.": "A statement, a spreadsheet, or a photo of a receipt.",
+  "Connect {name}": "Connect {name}",
+  "I'll add transactions myself": "I'll add transactions myself"
 }
diff --git a/i18n/locales/es.json b/i18n/locales/es.json
index 44640ce..73662a9 100644
--- a/i18n/locales/es.json
+++ b/i18n/locales/es.json
@@ -729,5 +729,11 @@
   "Could not complete the actions": "No se pudieron completar las acciones",
   "Could not dismiss the actions": "No se pudieron descartar las acciones",
   "{count} changes await your confirmation": "{count} cambios esperan tu confirmación",
-  "{count} changes": "{count} cambios"
+  "{count} changes": "{count} cambios",
+  "Bring your transactions in": "Trae tus transacciones",
+  "Start with what you already have instead of typing it all in. You can always add more by hand later.": "Empieza con lo que ya tienes en lugar de escribirlo todo. Siempre puedes añadir más a mano después.",
+  "Import from a file": "Importar desde un archivo",
+  "A statement, a spreadsheet, or a photo of a receipt.": "Un extracto, una hoja de cálculo o una foto de un recibo.",
+  "Connect {name}": "Conectar {name}",
+  "I'll add transactions myself": "Añadiré las transacciones yo mismo"
 }
diff --git a/i18n/locales/fr.json b/i18n/locales/fr.json
index abc78dd..e06a05b 100644
--- a/i18n/locales/fr.json
+++ b/i18n/locales/fr.json
@@ -729,5 +729,11 @@
   "Could not complete the actions": "Impossible d'effectuer les actions",
   "Could not dismiss the actions": "Impossible d'ignorer les actions",
   "{count} changes await your confirmation": "{count} modifications attendent votre confirmation",
-  "{count} changes": "{count} modifications"
+  "{count} changes": "{count} modifications",
+  "Bring your transactions in": "Importez vos transactions",
+  "Start with what you already have instead of typing it all in. You can always add more by hand later.": "Partez de ce que vous avez déjà au lieu de tout saisir. Vous pourrez en ajouter à la main plus tard.",
+  "Import from a file": "Importer depuis un fichier",
+  "A statement, a spreadsheet, or a photo of a receipt.": "Un relevé, un tableur ou une photo de reçu.",
+  "Connect {name}": "Connecter {name}",
+  "I'll add transactions myself": "J'ajouterai les transactions moi-même"
 }
diff --git a/pages/onboarding.vue b/pages/onboarding.vue
index 418088b..a1ccd5e 100644
--- a/pages/onboarding.vue
+++ b/pages/onboarding.vue
@@ -248,6 +248,59 @@
           </div>
         </div>
 
+        <!-- Step: bring transactions in (file import + any connectors) -->
+        <div v-if="currentStepId === 'import'" class="step-content">
+          <div class="step-icon">
+            <IconImport />
+          </div>
+          <div class="step-info">
+            <h2 class="step-title">{{ $t('Bring your transactions in') }}</h2>
+            <p class="step-description">
+              {{
+                $t(
+                  'Start with what you already have instead of typing it all in. You can always add more by hand later.'
+                )
+              }}
+            </p>
+          </div>
+          <div class="step-form">
+            <div class="import-options">
+              <button class="import-option" @click="startFileImport">
+                <span class="import-option-icon"><IconFileUpload /></span>
+                <span class="import-option-text">
+                  <span class="import-option-title">{{ $t('Import from a file') }}</span>
+                  <span class="import-option-desc">{{
+                    $t('A statement, a spreadsheet, or a photo of a receipt.')
+                  }}</span>
+                </span>
+              </button>
+
+              <button
+                v-for="connector in connectors"
+                :key="connector.key"
+                class="import-option"
+                @click="startConnector(connector)"
+              >
+                <span class="import-option-icon"><IconConnect /></span>
+                <span class="import-option-text">
+                  <span class="import-option-title">{{
+                    connector.ui?.card?.cta || $t('Connect {name}', { name: connector.name })
+                  }}</span>
+                  <span class="import-option-desc">{{
+                    connector.ui?.card?.description || connector.description
+                  }}</span>
+                </span>
+              </button>
+            </div>
+
+            <div class="step-actions">
+              <button class="secondary-btn" @click="nextStep">
+                {{ $t("I'll add transactions myself") }}
+              </button>
+            </div>
+          </div>
+        </div>
+
         <!-- Step: plugin-contributed onboarding step (rendered from descriptor) -->
         <div v-else-if="currentStepContribution" class="step-content">
           <DescriptorRenderer :contribution="currentStepContribution" @next="nextStep" />
@@ -322,10 +375,14 @@ import {
 import IconLanguage from '~icons/solar/translation-bold-duotone';
 import IconWallet from '~icons/solar/wallet-money-bold-duotone';
 import IconCategory from '~icons/solar/widget-5-bold-duotone';
+import IconImport from '~icons/solar/import-bold-duotone';
+import IconFileUpload from '~icons/solar/cloud-upload-bold-duotone';
+import IconConnect from '~icons/solar/link-bold-duotone';
 import { useSharedData } from '@/composables/useSharedData';
 import { useNotifications } from '@/composables/useNotifications';
 import { useWallets } from '@/composables/useWallets';
 import { useExtensionSlots } from '@/composables/useExtensionSlots';
+import { useIntegrations } from '@/composables/useIntegrations';
 import DescriptorRenderer from '@/components/extensions/DescriptorRenderer.vue';
 import configurationsApi from '@/services/api/configurationsApi';
 import { CONFIGURATION_KEYS } from '@/utils/configurationKeys';
@@ -347,6 +404,36 @@ const { createWallet, updateWallet } = useWallets();
 const { setComplete: setOnboardingComplete } = useOnboardingStatus();
 const returnTo = computed(() => (route.query.returnTo as string) || '/dashboard');
 
+// Where onboarding lands when it finishes. Defaults to returnTo, but the import
+// step overrides it so "import a file" or "connect an account" drop the user
+// straight onto that surface instead of the dashboard.
+const pendingDestination = ref<string | null>(null);
+const finalDestination = computed(() => pendingDestination.value ?? returnTo.value);
+
+const { integrations, load: loadIntegrations } = useIntegrations();
+onMounted(() => {
+  loadIntegrations();
+});
+
+// Connectors that can pull transactions in from a linked account (a bank, etc).
+// Only ready-to-use ones: entitled, configured, and declaring a connect flow.
+// File import is offered separately as the always-present built-in option.
+const connectors = computed(() =>
+  integrations.value.filter(
+    (integration) => integration.entitled && integration.configured && integration.ui?.connect
+  )
+);
+
+const startFileImport = () => {
+  pendingDestination.value = '/imports';
+  completeOnboarding();
+};
+
+const startConnector = (integration: (typeof integrations.value)[number]) => {
+  pendingDestination.value = integration.ui?.onboarding?.href ?? '/settings';
+  completeOnboarding();
+};
+
 const currentStep = ref(1);
 
 // Onboarding is a data-driven list: built-in steps plus any plugin
@@ -359,6 +446,7 @@ const builtInSteps = [
   { id: 'language', order: 10 },
   { id: 'wallet', order: 20 },
   { id: 'categories', order: 30 },
+  { id: 'import', order: 40 },
   { id: 'complete', order: 1000 }
 ];
 
@@ -465,7 +553,7 @@ const ensureOnboardingComplete = async () => {
 const skipStep = async () => {
   try {
     await ensureOnboardingComplete();
-    await navigateTo(returnTo.value, { replace: true });
+    await navigateTo(finalDestination.value, { replace: true });
   } catch (e) {
     console.error('Error in skipStep:', e);
   }
@@ -641,7 +729,7 @@ const completeOnboarding = async () => {
       sharedData.loadConfigurations(true).catch(() => {}),
       sharedData.loadWallets(true).catch(() => {})
     ]);
-    await navigateTo(returnTo.value, { replace: true });
+    await navigateTo(finalDestination.value, { replace: true });
   } finally {
     isCompleting.value = false;
   }