diff --git a/package.json b/package.json
index a652886..b41b51d 100644
--- a/package.json
+++ b/package.json
@@ -16,7 +16,8 @@
     "dotenv": "^16.3.1",
     "dns": "^0.2.2",
     "pdfkit": "^0.14.0",
-    "node-cron": "^3.0.3"
+    "node-cron": "^3.0.3",
+    "multer": "^1.4.5-lts.1"
   },
   "devDependencies": {
     "nodemon": "^3.0.1"
diff --git a/public/css/style.css b/public/css/style.css
index aaac667..29bc200 100644
--- a/public/css/style.css
+++ b/public/css/style.css
@@ -1248,3 +1248,44 @@ body:not(.admin-body) > * {
 .expiry-urgent  { background:#fee2e2; color:var(--error); }
 .expiry-warning { background:#fffbeb; color:var(--warning); }
 .expiry-normal  { background:#f0fdf4; color:var(--success); }
+
+/* ---- CSV File Upload ---- */
+.file-upload-wrap { position: relative; }
+.file-upload-wrap input[type="file"] {
+  position: absolute; width: 1px; height: 1px; opacity: 0;
+}
+.file-upload-label {
+  display: flex;
+  align-items: center;
+  gap: 10px;
+  padding: 10px 16px;
+  border: 1.5px dashed var(--border);
+  border-radius: 8px;
+  cursor: pointer;
+  font-size: 0.9rem;
+  color: var(--text-muted);
+  transition: all 0.2s;
+  background: var(--bg);
+}
+.file-upload-label:hover {
+  border-color: var(--primary);
+  color: var(--primary);
+  background: #f0f0ff;
+}
+.file-upload-label::before { content: '📁'; font-size: 1.1rem; }
+
+.import-divider {
+  display: flex;
+  align-items: center;
+  gap: 12px;
+  margin: 16px 0;
+  color: var(--text-muted);
+  font-size: 0.85rem;
+}
+.import-divider::before,
+.import-divider::after {
+  content: '';
+  flex: 1;
+  height: 1px;
+  background: var(--border);
+}
diff --git a/routes/finance.js b/routes/finance.js
index db58ec6..9689d53 100644
--- a/routes/finance.js
+++ b/routes/finance.js
@@ -1,4 +1,6 @@
 const express = require('express');
+const multer  = require('multer');
+const upload  = multer({ storage: multer.memoryStorage(), limits: { fileSize: 1024*1024 } });
 const router = express.Router();
 const db = require('../config/database');
 const { requireAdmin } = require('../middleware/auth');
@@ -175,11 +177,17 @@ router.post('/chargebacks/:id/resolve', requireAdmin, async (req, res) => {
 });
 
 // CSV Import Rückläufer
-router.post('/chargebacks/import', requireAdmin, async (req, res) => {
-  const { csv_data } = req.body;
-  if (!csv_data || !csv_data.trim()) return res.redirect('/admin/finance?error=Keine+Daten+eingegeben');
+router.post('/chargebacks/import', requireAdmin, upload.single('csv_file'), async (req, res) => {
+  // Datei hat Vorrang, sonst Textfeld
+  let rawData = '';
+  if (req.file && req.file.buffer.length > 0) {
+    rawData = req.file.buffer.toString('utf-8').replace(/\r/g, '');
+  } else if (req.body.csv_data && req.body.csv_data.trim()) {
+    rawData = req.body.csv_data.trim();
+  }
+  if (!rawData) return res.redirect('/admin/finance?error=Keine+Daten+eingegeben');
   try {
-    const lines = csv_data.trim().split('\n').filter(l => l.trim());
+    const lines = rawData.trim().split('\n').filter(l => l.trim());
     let imported = 0;
     for (const line of lines) {
       const cols = line.split(';').map(c => c.trim().replace(/"/g, ''));
diff --git a/views/admin/finance.ejs b/views/admin/finance.ejs
index eced953..76323fe 100644
--- a/views/admin/finance.ejs
+++ b/views/admin/finance.ejs
@@ -365,16 +365,34 @@
       <h3>Rückläufer CSV Import</h3>
       <button onclick="toggleModal('importChargebackModal')" class="modal-close">✕</button>
     </div>
-    <form method="POST" action="/admin/finance/chargebacks/import">
+    <form method="POST" action="/admin/finance/chargebacks/import"
+          enctype="multipart/form-data">
+      <p style="font-size:0.8rem;color:var(--text-muted);margin-bottom:16px">
+        Format pro Zeile: <code>IBAN;Betrag;Datum;Grund</code><br>
+        Beispiel: <code>DE89370400440532013000;29,95;2026-04-05;Rücklastschrift</code>
+      </p>
+
+      <!-- Option 1: Datei -->
       <div class="form-group">
-        <label>CSV-Daten einfügen</label>
-        <p style="font-size:0.8rem;color:var(--text-muted);margin-bottom:8px">
-          Format pro Zeile: <code>IBAN;Betrag;Datum;Grund</code><br>
-          Beispiel: <code>DE89370400440532013000;29,95;2026-04-05;Rücklastschrift</code>
-        </p>
-        <textarea name="csv_data" class="form-control" rows="6"
-                  placeholder="IBAN;Betrag;Datum;Grund"></textarea>
+        <label>📁 CSV-Datei hochladen</label>
+        <div class="file-upload-wrap">
+          <input type="file" name="csv_file" id="csvFile" accept=".csv,.txt"
+                 onchange="showFileName(this)">
+          <label for="csvFile" class="file-upload-label">
+            <span id="fileNameDisplay">Datei auswählen...</span>
+          </label>
+        </div>
       </div>
+
+      <div class="import-divider"><span>oder</span></div>
+
+      <!-- Option 2: Textfeld -->
+      <div class="form-group">
+        <label>📋 Daten einfügen</label>
+        <textarea name="csv_data" class="form-control" rows="5"
+                  placeholder="IBAN;Betrag;Datum;Grund&#10;DE89370400440532013000;29,95;2026-04-05;Rücklastschrift"></textarea>
+      </div>
+
       <div class="modal-footer">
         <button type="button" onclick="toggleModal('importChargebackModal')" class="btn btn-outline">Abbrechen</button>
         <button type="submit" class="btn btn-primary">📥 Importieren</button>
@@ -480,6 +498,11 @@ function showTab(name) {
 function toggleModal(id) {
   document.getElementById(id).classList.toggle('hidden');
 }
+
+function showFileName(input) {
+  const display = document.getElementById('fileNameDisplay');
+  display.textContent = input.files.length > 0 ? input.files[0].name : 'Datei auswählen...';
+}
 </script>
 </body>
 </html>