From f29c03173552a93a653bada6892a11407b4066dd Mon Sep 17 00:00:00 2001
From: Sylvercode <987564+sylvercode@users.noreply.github.com>
Date: Wed, 11 Mar 2026 09:40:26 -0400
Subject: [PATCH] Add an option to swap payee/memo when importing transaction
 form file (#7101)

* Add swap payee-memo to ofx import

* Add mock files to test payee-memo swap

* Add swap payee-memo to qif import

* Add swap payee-memo to camt import

* Minor code cleanup for swap payee-memo on import

* Add release note

* lint fixing

* Fixe Payee and Memo capitalization

* change swapPayeeAndMemo to ofxSwapPayeeAndMemo

* correct  release note typo

* Add getSwapOption base on file type

* Support qfx

* Add CheckboxToggle to simplify ImportTransactionsModal options

* Fix split reac import

* Fix react import lint
---
 .../ImportTransactionsModal.tsx               | 193 ++++++++++++++----
 .../mocks/files/camt/camt.053.payee-memo.xml  | 127 ++++++++++++
 .../src/mocks/files/data-payee-memo.ofx       |  75 +++++++
 .../src/mocks/files/data-payee-memo.qif       |  17 ++
 .../server/transactions/import/parse-file.ts  |  54 +++--
 packages/loot-core/src/types/prefs.ts         |   3 +
 upcoming-release-notes/7101.md                |   6 +
 7 files changed, 417 insertions(+), 58 deletions(-)
 create mode 100644 packages/loot-core/src/mocks/files/camt/camt.053.payee-memo.xml
 create mode 100644 packages/loot-core/src/mocks/files/data-payee-memo.ofx
 create mode 100644 packages/loot-core/src/mocks/files/data-payee-memo.qif
 create mode 100644 upcoming-release-notes/7101.md

diff --git a/packages/desktop-client/src/components/modals/ImportTransactionsModal/ImportTransactionsModal.tsx b/packages/desktop-client/src/components/modals/ImportTransactionsModal/ImportTransactionsModal.tsx
index c41d0419a7..ecb67993d8 100644
--- a/packages/desktop-client/src/components/modals/ImportTransactionsModal/ImportTransactionsModal.tsx
+++ b/packages/desktop-client/src/components/modals/ImportTransactionsModal/ImportTransactionsModal.tsx
@@ -1,6 +1,11 @@
 // @ts-strict-ignore
 import React, { useCallback, useEffect, useEffectEvent, useState } from 'react';
-import type { ComponentProps } from 'react';
+import type {
+  ComponentProps,
+  Dispatch,
+  ReactNode,
+  SetStateAction,
+} from 'react';
 import { Trans, useTranslation } from 'react-i18next';
 
 import { Button, ButtonWithLoading } from '@actual-app/components/button';
@@ -53,6 +58,28 @@ import { useDateFormat } from '@desktop-client/hooks/useDateFormat';
 import { useSyncedPrefs } from '@desktop-client/hooks/useSyncedPrefs';
 import { payeeQueries } from '@desktop-client/payees';
 
+function CheckboxToggle({
+  id,
+  checked,
+  onChange,
+  children,
+}: {
+  id: string;
+  checked: boolean;
+  onChange: Dispatch<SetStateAction<boolean>>;
+  children: ReactNode;
+}) {
+  return (
+    <LabeledCheckbox
+      id={id}
+      checked={checked}
+      onChange={() => onChange(prev => !prev)}
+    >
+      {children}
+    </LabeledCheckbox>
+  );
+}
+
 function getFileType(filepath: string): string {
   const m = filepath.match(/\.([^.]*)$/);
   if (!m) return 'ofx';
@@ -213,6 +240,15 @@ export function ImportTransactionsModal({
   const [fallbackMissingPayeeToMemo, setFallbackMissingPayeeToMemo] = useState(
     String(prefs[`ofx-fallback-missing-payee-${accountId}`]) !== 'false',
   );
+  const [ofxSwapPayeeAndMemo, setOfxSwapPayeeAndMemo] = useState(
+    String(prefs[`ofx-swap-payee-memo-${accountId}`]) === 'true',
+  );
+  const [qifSwapPayeeAndMemo, setQifSwapPayeeAndMemo] = useState(
+    String(prefs[`qif-swap-payee-memo-${accountId}`]) === 'true',
+  );
+  const [camtSwapPayeeAndMemo, setCamtSwapPayeeAndMemo] = useState(
+    String(prefs[`camt-swap-payee-memo-${accountId}`]) === 'true',
+  );
 
   const [parseDateFormat, setParseDateFormat] = useState<DateFormat | null>(
     null,
@@ -413,6 +449,12 @@ export function ImportTransactionsModal({
       skipEndLines,
       fallbackMissingPayeeToMemo,
       importNotes,
+      swapPayeeAndMemo: getSwapOption(
+        fileType,
+        ofxSwapPayeeAndMemo,
+        qifSwapPayeeAndMemo,
+        camtSwapPayeeAndMemo,
+      ),
     });
 
     void parse(originalFileName, parseOptions);
@@ -424,6 +466,9 @@ export function ImportTransactionsModal({
     skipEndLines,
     fallbackMissingPayeeToMemo,
     importNotes,
+    ofxSwapPayeeAndMemo,
+    qifSwapPayeeAndMemo,
+    camtSwapPayeeAndMemo,
     parse,
   ]);
 
@@ -471,6 +516,12 @@ export function ImportTransactionsModal({
       skipEndLines,
       fallbackMissingPayeeToMemo,
       importNotes,
+      swapPayeeAndMemo: getSwapOption(
+        fileType,
+        ofxSwapPayeeAndMemo,
+        qifSwapPayeeAndMemo,
+        camtSwapPayeeAndMemo,
+      ),
     });
 
     void parse(res[0], parseOptions);
@@ -625,6 +676,7 @@ export function ImportTransactionsModal({
         [`ofx-fallback-missing-payee-${accountId}`]: String(
           fallbackMissingPayeeToMemo,
         ),
+        [`ofx-swap-payee-memo-${accountId}`]: String(ofxSwapPayeeAndMemo),
       });
     }
 
@@ -649,6 +701,18 @@ export function ImportTransactionsModal({
       });
     }
 
+    if (filetype === 'qif') {
+      savePrefs({
+        [`qif-swap-payee-memo-${accountId}`]: String(qifSwapPayeeAndMemo),
+      });
+    }
+
+    if (isCamtFile(filetype)) {
+      savePrefs({
+        [`camt-swap-payee-memo-${accountId}`]: String(camtSwapPayeeAndMemo),
+      });
+    }
+
     importTransactions.mutate(
       {
         accountId,
@@ -949,39 +1013,62 @@ export function ImportTransactionsModal({
           )}
 
           {isOfxFile(filetype) && (
-            <LabeledCheckbox
-              id="form_fallback_missing_payee"
-              checked={fallbackMissingPayeeToMemo}
-              onChange={() => {
-                setFallbackMissingPayeeToMemo(state => !state);
-              }}
-            >
-              <Trans>Use Memo as a fallback for empty Payees</Trans>
-            </LabeledCheckbox>
+            <>
+              <CheckboxToggle
+                id="form_fallback_missing_payee"
+                checked={fallbackMissingPayeeToMemo}
+                onChange={setFallbackMissingPayeeToMemo}
+              >
+                <Trans>Use Memo as a fallback for empty Payees</Trans>
+              </CheckboxToggle>
+              <CheckboxToggle
+                id="form_ofx_swap_payee_memo"
+                checked={ofxSwapPayeeAndMemo}
+                onChange={setOfxSwapPayeeAndMemo}
+              >
+                <Trans>Swap Payee and Memo</Trans>
+              </CheckboxToggle>
+            </>
           )}
 
           {filetype !== 'csv' && (
-            <LabeledCheckbox
+            <CheckboxToggle
               id="import_notes"
               checked={importNotes}
-              onChange={() => {
-                setImportNotes(!importNotes);
-              }}
+              onChange={setImportNotes}
             >
               <Trans>Import notes from file</Trans>
-            </LabeledCheckbox>
+            </CheckboxToggle>
+          )}
+
+          {filetype === 'qif' && (
+            <CheckboxToggle
+              id="form_qif_swap_payee_memo"
+              checked={qifSwapPayeeAndMemo}
+              onChange={setQifSwapPayeeAndMemo}
+            >
+              <Trans>Swap Payee and Memo</Trans>
+            </CheckboxToggle>
+          )}
+
+          {isCamtFile(filetype) && (
+            <CheckboxToggle
+              id="form_camt_swap_payee_memo"
+              checked={camtSwapPayeeAndMemo}
+              onChange={setCamtSwapPayeeAndMemo}
+            >
+              <Trans>Swap Payee and Memo</Trans>
+            </CheckboxToggle>
           )}
 
           {(isOfxFile(filetype) || isCamtFile(filetype)) && (
-            <LabeledCheckbox
+            <CheckboxToggle
               id="form_dont_reconcile"
               checked={reconcile}
-              onChange={() => {
-                setReconcile(!reconcile);
-              }}
+              onChange={setReconcile}
             >
               <Trans>Merge with existing transactions</Trans>
-            </LabeledCheckbox>
+            </CheckboxToggle>
           )}
 
           {/*Import Options */}
@@ -1079,33 +1166,27 @@ export function ImportTransactionsModal({
                         style={{ width: 50 }}
                       />
                     </label>
-                    <LabeledCheckbox
+                    <CheckboxToggle
                       id="form_has_header"
                       checked={hasHeaderRow}
-                      onChange={() => {
-                        setHasHeaderRow(!hasHeaderRow);
-                      }}
+                      onChange={setHasHeaderRow}
                     >
                       <Trans>File has header row</Trans>
-                    </LabeledCheckbox>
-                    <LabeledCheckbox
+                    </CheckboxToggle>
+                    <CheckboxToggle
                       id="clear_on_import"
                       checked={clearOnImport}
-                      onChange={() => {
-                        setClearOnImport(!clearOnImport);
-                      }}
+                      onChange={setClearOnImport}
                     >
                       <Trans>Clear transactions on import</Trans>
-                    </LabeledCheckbox>
-                    <LabeledCheckbox
+                    </CheckboxToggle>
+                    <CheckboxToggle
                       id="form_dont_reconcile"
                       checked={reconcile}
-                      onChange={() => {
-                        setReconcile(!reconcile);
-                      }}
+                      onChange={setReconcile}
                     >
                       <Trans>Merge with existing transactions</Trans>
-                    </LabeledCheckbox>
+                    </CheckboxToggle>
                   </View>
                 )}
 
@@ -1113,15 +1194,13 @@ export function ImportTransactionsModal({
 
                 <View style={{ marginRight: 10, gap: 5 }}>
                   <SectionLabel title={t('AMOUNT OPTIONS')} />
-                  <LabeledCheckbox
+                  <CheckboxToggle
                     id="form_flip"
                     checked={flipAmount}
-                    onChange={() => {
-                      setFlipAmount(!flipAmount);
-                    }}
+                    onChange={setFlipAmount}
                   >
                     <Trans>Flip amount</Trans>
-                  </LabeledCheckbox>
+                  </CheckboxToggle>
                   <MultiplierOption
                     multiplierEnabled={multiplierEnabled}
                     multiplierAmount={multiplierAmount}
@@ -1205,17 +1284,43 @@ function getParseOptions(fileType: string, options: ParseFileOptions = {}) {
     return { delimiter, hasHeaderRow, skipStartLines, skipEndLines };
   }
   if (isOfxFile(fileType)) {
-    const { fallbackMissingPayeeToMemo, importNotes } = options;
-    return { fallbackMissingPayeeToMemo, importNotes };
+    const { fallbackMissingPayeeToMemo, importNotes, swapPayeeAndMemo } =
+      options;
+    return { fallbackMissingPayeeToMemo, importNotes, swapPayeeAndMemo };
+  }
+  if (fileType === 'qif') {
+    const { importNotes, swapPayeeAndMemo } = options;
+    return { importNotes, swapPayeeAndMemo };
   }
   if (isCamtFile(fileType)) {
-    const { importNotes } = options;
-    return { importNotes };
+    const { importNotes, swapPayeeAndMemo } = options;
+    return { importNotes, swapPayeeAndMemo };
   }
   const { importNotes } = options;
   return { importNotes };
 }
 
+function getSwapOption(
+  fileType: string,
+  ofxSwapPayeeAndMemo: boolean,
+  qifSwapPayeeAndMemo: boolean,
+  camtSwapPayeeAndMemo: boolean,
+) {
+  if (isOfxFile(fileType)) {
+    return ofxSwapPayeeAndMemo;
+  }
+
+  if (fileType === 'qif') {
+    return qifSwapPayeeAndMemo;
+  }
+
+  if (isCamtFile(fileType)) {
+    return camtSwapPayeeAndMemo;
+  }
+
+  return false;
+}
+
 function isOfxFile(fileType: string) {
   return fileType === 'ofx' || fileType === 'qfx';
 }
diff --git a/packages/loot-core/src/mocks/files/camt/camt.053.payee-memo.xml b/packages/loot-core/src/mocks/files/camt/camt.053.payee-memo.xml
new file mode 100644
index 0000000000..8255bef086
--- /dev/null
+++ b/packages/loot-core/src/mocks/files/camt/camt.053.payee-memo.xml
@@ -0,0 +1,127 @@
+<?xml version="1.0" encoding="UTF-8"?>
+<Document xsi:schemaLocation="urn:iso:std:iso:20022:tech:xsd:camt.053.001.04 camt.053.001.04.xsd"
+    xmlns="urn:iso:std:iso:20022:tech:xsd:camt.053.001.04"
+    xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
+
+    <BkToCstmrStmt>
+        <GrpHdr>
+            <MsgId>053D2019-01-23T00:00:00.0N000000001</MsgId>
+            <CreDtTm>2019-01-23T00:00:00.0+00:00</CreDtTm>
+        </GrpHdr>
+        <Stmt>
+            <Id>TEST-PAYEE-MEMO</Id>
+            <CreDtTm>2019-01-23T00:00:00.0+00:00</CreDtTm>
+            <Acct>
+                <Id>
+                    <IBAN>DE14740618130000033626</IBAN>
+                </Id>
+                <Ccy>EUR</Ccy>
+            </Acct>
+
+            <!-- 1: payee (Cdtr/Nm) AND notes (RmtInf/Ustrd) -->
+            <Ntry>
+                <Amt Ccy="EUR">10.00</Amt>
+                <CdtDbtInd>DBIT</CdtDbtInd>
+                <Sts>BOOK</Sts>
+                <BookgDt>
+                    <Dt>2019-01-23</Dt>
+                </BookgDt>
+                <ValDt>
+                    <Dt>2019-01-23</Dt>
+                </ValDt>
+                <AcctSvcrRef>test-payee-and-notes</AcctSvcrRef>
+                <BkTxCd />
+                <NtryDtls>
+                    <TxDtls>
+                        <Refs>
+                            <EndToEndId>test-payee-and-notes</EndToEndId>
+                        </Refs>
+                        <RltdPties>
+                            <Cdtr>
+                                <Nm>Payee Name</Nm>
+                            </Cdtr>
+                        </RltdPties>
+                        <RmtInf>
+                            <Ustrd>Note Text</Ustrd>
+                        </RmtInf>
+                    </TxDtls>
+                </NtryDtls>
+            </Ntry>
+
+            <!-- 2: payee only (Cdtr/Nm, no RmtInf) -->
+            <Ntry>
+                <Amt Ccy="EUR">20.00</Amt>
+                <CdtDbtInd>DBIT</CdtDbtInd>
+                <Sts>BOOK</Sts>
+                <BookgDt>
+                    <Dt>2019-01-23</Dt>
+                </BookgDt>
+                <ValDt>
+                    <Dt>2019-01-23</Dt>
+                </ValDt>
+                <AcctSvcrRef>test-payee-only</AcctSvcrRef>
+                <BkTxCd />
+                <NtryDtls>
+                    <TxDtls>
+                        <Refs>
+                            <EndToEndId>test-payee-only</EndToEndId>
+                        </Refs>
+                        <RltdPties>
+                            <Cdtr>
+                                <Nm>Payee Name Only</Nm>
+                            </Cdtr>
+                        </RltdPties>
+                    </TxDtls>
+                </NtryDtls>
+            </Ntry>
+
+            <!-- 3: notes only (RmtInf/Ustrd, no Cdtr/Nm) -->
+            <Ntry>
+                <Amt Ccy="EUR">30.00</Amt>
+                <CdtDbtInd>DBIT</CdtDbtInd>
+                <Sts>BOOK</Sts>
+                <BookgDt>
+                    <Dt>2019-01-23</Dt>
+                </BookgDt>
+                <ValDt>
+                    <Dt>2019-01-23</Dt>
+                </ValDt>
+                <AcctSvcrRef>test-notes-only</AcctSvcrRef>
+                <BkTxCd />
+                <NtryDtls>
+                    <TxDtls>
+                        <Refs>
+                            <EndToEndId>test-notes-only</EndToEndId>
+                        </Refs>
+                        <RmtInf>
+                            <Ustrd>Note Only Text</Ustrd>
+                        </RmtInf>
+                    </TxDtls>
+                </NtryDtls>
+            </Ntry>
+
+            <!-- 4: neither payee nor notes -->
+            <Ntry>
+                <Amt Ccy="EUR">40.00</Amt>
+                <CdtDbtInd>DBIT</CdtDbtInd>
+                <Sts>BOOK</Sts>
+                <BookgDt>
+                    <Dt>2019-01-23</Dt>
+                </BookgDt>
+                <ValDt>
+                    <Dt>2019-01-23</Dt>
+                </ValDt>
+                <AcctSvcrRef>test-neither</AcctSvcrRef>
+                <BkTxCd />
+                <NtryDtls>
+                    <TxDtls>
+                        <Refs>
+                            <EndToEndId>test-neither</EndToEndId>
+                        </Refs>
+                    </TxDtls>
+                </NtryDtls>
+            </Ntry>
+
+        </Stmt>
+    </BkToCstmrStmt>
+</Document>
diff --git a/packages/loot-core/src/mocks/files/data-payee-memo.ofx b/packages/loot-core/src/mocks/files/data-payee-memo.ofx
new file mode 100644
index 0000000000..85d56d414d
--- /dev/null
+++ b/packages/loot-core/src/mocks/files/data-payee-memo.ofx
@@ -0,0 +1,75 @@
+OFXHEADER:100
+DATA:OFXSGML
+VERSION:102
+SECURITY:NONE
+ENCODING:USASCII
+CHARSET:1252
+COMPRESSION:NONE
+OLDFILEUID:NONE
+NEWFILEUID:NONE
+
+<OFX>
+<SIGNONMSGSRSV1>
+<SONRS>
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+<DTSERVER>20190124212851.000[0:UTC]
+<LANGUAGE>ENG
+</SONRS>
+</SIGNONMSGSRSV1>
+<BANKMSGSRSV1>
+<STMTTRNRS>
+<TRNUID>0
+<STATUS>
+<CODE>0
+<SEVERITY>INFO
+</STATUS>
+<STMTRS>
+<CURDEF>USD
+<BANKACCTFROM>
+<BANKID>012345678
+<ACCTID>123456789123
+<ACCTTYPE>CHECKING
+</BANKACCTFROM>
+<BANKTRANLIST>
+<DTSTART>20190119120000
+<DTEND>20190124120000
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20190123120000
+<TRNAMT>-10.00
+<FITID>test-name-and-memo
+<NAME>Payee Name
+<MEMO>Memo Text
+</STMTTRN>
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20190123120000
+<TRNAMT>-20.00
+<FITID>test-name-only
+<NAME>Payee Name Only
+</STMTTRN>
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20190123120000
+<TRNAMT>-30.00
+<FITID>test-memo-only
+<MEMO>Memo Only Text
+</STMTTRN>
+<STMTTRN>
+<TRNTYPE>DEBIT
+<DTPOSTED>20190123120000
+<TRNAMT>-40.00
+<FITID>test-neither
+</STMTTRN>
+</BANKTRANLIST>
+<LEDGERBAL>
+<BALAMT>1000.00
+<DTASOF>20190124212851
+</LEDGERBAL>
+</STMTRS>
+</STMTTRNRS>
+</BANKMSGSRSV1>
+</OFX>
diff --git a/packages/loot-core/src/mocks/files/data-payee-memo.qif b/packages/loot-core/src/mocks/files/data-payee-memo.qif
new file mode 100644
index 0000000000..a91587e41b
--- /dev/null
+++ b/packages/loot-core/src/mocks/files/data-payee-memo.qif
@@ -0,0 +1,17 @@
+!Type:Bank
+D01/23/2019
+PPayee Name
+MNote Text
+T-10.00
+^
+D01/23/2019
+PPayee Name Only
+T-20.00
+^
+D01/23/2019
+MNote Only Text
+T-30.00
+^
+D01/23/2019
+T-40.00
+^
diff --git a/packages/loot-core/src/server/transactions/import/parse-file.ts b/packages/loot-core/src/server/transactions/import/parse-file.ts
index 101056e5ce..6793e5751a 100644
--- a/packages/loot-core/src/server/transactions/import/parse-file.ts
+++ b/packages/loot-core/src/server/transactions/import/parse-file.ts
@@ -68,6 +68,7 @@ export type ParseFileOptions = {
   hasHeaderRow?: boolean;
   delimiter?: string;
   fallbackMissingPayeeToMemo?: boolean;
+  swapPayeeAndMemo?: boolean;
   skipStartLines?: number;
   skipEndLines?: number;
   importNotes?: boolean;
@@ -172,16 +173,26 @@ async function parseQIF(
     return { errors, transactions: [] };
   }
 
+  const swap = options.swapPayeeAndMemo;
+
   return {
     errors: [],
     transactions: data.transactions
-      .map(trans => ({
-        amount: trans.amount != null ? looselyParseAmount(trans.amount) : null,
-        date: trans.date,
-        payee_name: trans.payee,
-        imported_payee: trans.payee,
-        notes: options.importNotes ? trans.memo || null : null,
-      }))
+      .map(trans => {
+        const payeeSource = swap ? trans.memo : trans.payee;
+        const memoSource = swap ? trans.payee : trans.memo;
+        const fallbackUsed = !payeeSource && swap;
+
+        return {
+          amount:
+            trans.amount != null ? looselyParseAmount(trans.amount) : null,
+          date: trans.date,
+          payee_name: payeeSource || (fallbackUsed ? memoSource : null),
+          imported_payee: payeeSource || (fallbackUsed ? memoSource : null),
+          notes:
+            options.importNotes && !fallbackUsed ? memoSource || null : null,
+        };
+      })
       .filter(trans => trans.date != null && trans.amount != null),
   };
 }
@@ -207,6 +218,7 @@ async function parseOFX(
   // Banks don't always implement the OFX standard properly
   // If no payee is available try and fallback to memo
   const useMemoFallback = options.fallbackMissingPayeeToMemo;
+  const swap = options.swapPayeeAndMemo;
 
   return {
     errors,
@@ -219,13 +231,17 @@ async function parseOFX(
         });
       }
 
+      const payeeSource = swap ? trans.memo : trans.name;
+      const memoSource = swap ? trans.name : trans.memo;
+      const fallbackUsed = !payeeSource && useMemoFallback;
+
       return {
         amount: parsedAmount || 0,
         imported_id: trans.fitId,
         date: trans.date,
-        payee_name: trans.name || (useMemoFallback ? trans.memo : null),
-        imported_payee: trans.name || (useMemoFallback ? trans.memo : null),
-        notes: options.importNotes ? trans.memo || null : null, //memo used for payee
+        payee_name: payeeSource || (fallbackUsed ? memoSource : null),
+        imported_payee: payeeSource || (fallbackUsed ? memoSource : null),
+        notes: options.importNotes && !fallbackUsed ? memoSource || null : null,
       };
     }),
   };
@@ -250,11 +266,21 @@ async function parseCAMT(
     return { errors };
   }
 
+  const swap = options.swapPayeeAndMemo;
+
   return {
     errors,
-    transactions: data.map(trans => ({
-      ...trans,
-      notes: options.importNotes ? trans.notes : null,
-    })),
+    transactions: data.map(trans => {
+      const payeeSource = swap ? trans.notes : trans.payee_name;
+      const memoSource = swap ? trans.payee_name : trans.notes;
+      const fallbackUsed = !payeeSource && swap;
+
+      return {
+        ...trans,
+        payee_name: payeeSource || (fallbackUsed ? memoSource : null),
+        imported_payee: payeeSource || (fallbackUsed ? memoSource : null),
+        notes: options.importNotes && !fallbackUsed ? memoSource || null : null,
+      };
+    }),
   };
 }
diff --git a/packages/loot-core/src/types/prefs.ts b/packages/loot-core/src/types/prefs.ts
index 1969d5f39e..0fa8f8e1df 100644
--- a/packages/loot-core/src/types/prefs.ts
+++ b/packages/loot-core/src/types/prefs.ts
@@ -46,6 +46,9 @@ export type SyncedPrefs = Partial<
     | `sync-import-transactions-${string}`
     | `sync-update-dates-${string}`
     | `ofx-fallback-missing-payee-${string}`
+    | `ofx-swap-payee-memo-${string}`
+    | `qif-swap-payee-memo-${string}`
+    | `camt-swap-payee-memo-${string}`
     | `flip-amount-${string}-${'csv' | 'qif'}`
     | `flags.${FeatureFlag}`
     | `learn-categories`,
diff --git a/upcoming-release-notes/7101.md b/upcoming-release-notes/7101.md
new file mode 100644
index 0000000000..9308fb1ee2
--- /dev/null
+++ b/upcoming-release-notes/7101.md
@@ -0,0 +1,6 @@
+---
+category: Enhancements
+authors: [sylvercode]
+---
+
+Add an option to swap payee/memo when importing transaction from file.