diff --git a/backend/prisma/migrations/20260709100000_bankcard_description/migration.sql b/backend/prisma/migrations/20260709100000_bankcard_description/migration.sql
new file mode 100644
index 00000000..7249639b
--- /dev/null
+++ b/backend/prisma/migrations/20260709100000_bankcard_description/migration.sql
@@ -0,0 +1,6 @@
+-- Optionale Freitext-Beschreibung pro Bankkarte (z.B. "Geschäftskonto",
+-- "gemeinsames Konto mit Partner"). TEXT statt VARCHAR, weil Notizen
+-- gelegentlich länger werden dürfen.
+
+ALTER TABLE `BankCard`
+  ADD COLUMN IF NOT EXISTS `description` TEXT NULL;
diff --git a/backend/prisma/schema.prisma b/backend/prisma/schema.prisma
index dd38756c..c09aa4ac 100644
--- a/backend/prisma/schema.prisma
+++ b/backend/prisma/schema.prisma
@@ -327,6 +327,7 @@ model BankCard {
   bankName      String?
   expiryDate    DateTime?
   documentPath  String?    // Pfad zur hochgeladenen PDF
+  description   String?    @db.Text  // Freitext-Notiz (z.B. "Geschäftskonto", "gemeinsames Konto mit Partner")
   isActive      Boolean    @default(true)
   contracts     Contract[]
   createdAt     DateTime   @default(now())
diff --git a/backend/src/services/customer.service.ts b/backend/src/services/customer.service.ts
index 0ffe80ce..91961b81 100644
--- a/backend/src/services/customer.service.ts
+++ b/backend/src/services/customer.service.ts
@@ -317,6 +317,7 @@ export async function createBankCard(
     bic?: string;
     bankName?: string;
     expiryDate?: Date;
+    description?: string;
   }
 ) {
   return prisma.bankCard.create({
@@ -336,6 +337,7 @@ export async function updateBankCard(
     bic?: string;
     bankName?: string;
     expiryDate?: Date;
+    description?: string;
     isActive?: boolean;
   }
 ) {
diff --git a/frontend/src/pages/customers/CustomerDetail.tsx b/frontend/src/pages/customers/CustomerDetail.tsx
index 788c3d28..d5b31b84 100644
--- a/frontend/src/pages/customers/CustomerDetail.tsx
+++ b/frontend/src/pages/customers/CustomerDetail.tsx
@@ -961,6 +961,11 @@ function BankCardsTab({
                   Gültig bis: {formatDate(card.expiryDate)}
                 </p>
               )}
+              {card.description && (
+                <p className="text-sm text-gray-600 mt-1 italic whitespace-pre-line">
+                  {card.description}
+                </p>
+              )}
 
               {/* Dokument-Upload Bereich */}
               <div className="mt-3 pt-3 border-t">
@@ -2657,6 +2662,7 @@ function BankCardModal({
     bic: bankCard?.bic || '',
     bankName: bankCard?.bankName || '',
     expiryDate: bankCard?.expiryDate ? new Date(bankCard.expiryDate).toISOString().split('T')[0] : '',
+    description: bankCard?.description || '',
     isActive: bankCard?.isActive ?? true,
   });
 
@@ -2672,7 +2678,7 @@ function BankCardModal({
     onSuccess: () => {
       queryClient.invalidateQueries({ queryKey: ['customer', customerId] });
       onClose();
-      setFormData({ accountHolder: '', iban: '', bic: '', bankName: '', expiryDate: '', isActive: true });
+      setFormData({ accountHolder: '', iban: '', bic: '', bankName: '', expiryDate: '', description: '', isActive: true });
     },
   });
 
@@ -2743,6 +2749,17 @@ function BankCardModal({
           onClear={() => setFormData({ ...formData, expiryDate: '' })}
         />
 
+        <div>
+          <label className="block text-sm font-medium text-gray-700 mb-1">Beschreibung</label>
+          <textarea
+            value={formData.description}
+            onChange={(e) => setFormData({ ...formData, description: e.target.value })}
+            rows={2}
+            placeholder="z.B. Geschäftskonto, gemeinsames Konto mit Partner…"
+            className="block w-full px-3 py-2 border border-gray-300 rounded-lg shadow-sm focus:outline-none focus:ring-2 focus:ring-blue-500 focus:border-blue-500"
+          />
+        </div>
+
         {isEditing && (
           <label className="flex items-center gap-2">
             <input
diff --git a/frontend/src/types/index.ts b/frontend/src/types/index.ts
index ac004cc1..8e531c79 100644
--- a/frontend/src/types/index.ts
+++ b/frontend/src/types/index.ts
@@ -150,6 +150,7 @@ export interface BankCard {
   bankName?: string;
   expiryDate?: string;
   documentPath?: string;
+  description?: string;
   isActive: boolean;
 }