diff --git a/app/models/recurring_transaction.rb b/app/models/recurring_transaction.rb
index 14cb68961..b97ad858b 100644
--- a/app/models/recurring_transaction.rb
+++ b/app/models/recurring_transaction.rb
@@ -2,7 +2,7 @@ class RecurringTransaction < ApplicationRecord
   include Monetizable
 
   belongs_to :family
-  belongs_to :merchant
+  belongs_to :merchant, optional: true
 
   monetize :amount
 
@@ -11,6 +11,13 @@ class RecurringTransaction < ApplicationRecord
   validates :amount, presence: true
   validates :currency, presence: true
   validates :expected_day_of_month, presence: true, numericality: { greater_than: 0, less_than_or_equal_to: 31 }
+  validate :merchant_or_name_present
+
+  def merchant_or_name_present
+    if merchant_id.blank? && name.blank?
+      errors.add(:base, "Either merchant or name must be present")
+    end
+  end
 
   scope :for_family, ->(family) { where(family: family) }
   scope :expected_soon, -> { active.where("next_expected_date <= ?", 1.month.from_now) }
@@ -35,9 +42,15 @@ class RecurringTransaction < ApplicationRecord
              [ expected_day_of_month + 2, 31 ].min)
       .order(date: :desc)
 
-    # Filter by merchant through the entryable (Transaction)
-    entries.select do |entry|
-      entry.entryable.is_a?(Transaction) && entry.entryable.merchant_id == merchant_id
+    # Filter by merchant or name
+    if merchant_id.present?
+      # Match by merchant through the entryable (Transaction)
+      entries.select do |entry|
+        entry.entryable.is_a?(Transaction) && entry.entryable.merchant_id == merchant_id
+      end
+    else
+      # Match by entry name
+      entries.where(name: name)
     end
   end
 
@@ -90,6 +103,7 @@ class RecurringTransaction < ApplicationRecord
       amount: amount,
       currency: currency,
       merchant: merchant,
+      name: merchant.present? ? merchant.name : name,
       recurring: true,
       projected: true
     )
diff --git a/app/models/recurring_transaction/identifier.rb b/app/models/recurring_transaction/identifier.rb
index 7098b39f3..6d6374b53 100644
--- a/app/models/recurring_transaction/identifier.rb
+++ b/app/models/recurring_transaction/identifier.rb
@@ -17,14 +17,19 @@ class RecurringTransaction
         .includes(:entryable)
         .to_a
 
-      # Filter to only those with merchants and group by merchant and amount (preserve sign)
+      # Group by merchant (if present) or name, along with amount (preserve sign) and currency
       grouped_transactions = entries_with_transactions
-        .select { |entry| entry.entryable.is_a?(Transaction) && entry.entryable.merchant_id.present? }
-        .group_by { |entry| [ entry.entryable.merchant_id, entry.amount.round(2), entry.currency ] }
+        .select { |entry| entry.entryable.is_a?(Transaction) }
+        .group_by do |entry|
+          transaction = entry.entryable
+          # Use merchant_id if present, otherwise use entry name
+          identifier = transaction.merchant_id.present? ? [ :merchant, transaction.merchant_id ] : [ :name, entry.name ]
+          [ identifier, entry.amount.round(2), entry.currency ]
+        end
 
       recurring_patterns = []
 
-      grouped_transactions.each do |(merchant_id, amount, currency), entries|
+      grouped_transactions.each do |(identifier, amount, currency), entries|
         next if entries.size < 3  # Must have at least 3 occurrences
 
         # Check if the last occurrence was within the last 45 days
@@ -38,8 +43,10 @@ class RecurringTransaction
         if days_cluster_together?(days_of_month)
           expected_day = calculate_expected_day(days_of_month)
 
-          recurring_patterns << {
-            merchant_id: merchant_id,
+          # Unpack identifier - either [:merchant, id] or [:name, name_string]
+          identifier_type, identifier_value = identifier
+
+          pattern = {
             amount: amount,
             currency: currency,
             expected_day_of_month: expected_day,
@@ -47,16 +54,44 @@ class RecurringTransaction
             occurrence_count: entries.size,
             entries: entries
           }
+
+          # Set either merchant_id or name based on identifier type
+          if identifier_type == :merchant
+            pattern[:merchant_id] = identifier_value
+          else
+            pattern[:name] = identifier_value
+          end
+
+          recurring_patterns << pattern
         end
       end
 
       # Create or update RecurringTransaction records
       recurring_patterns.each do |pattern|
-        recurring_transaction = family.recurring_transactions.find_or_initialize_by(
-          merchant_id: pattern[:merchant_id],
+        # Build find conditions based on whether it's merchant-based or name-based
+        find_conditions = {
           amount: pattern[:amount],
           currency: pattern[:currency]
-        )
+        }
+
+        if pattern[:merchant_id].present?
+          find_conditions[:merchant_id] = pattern[:merchant_id]
+          find_conditions[:name] = nil
+        else
+          find_conditions[:name] = pattern[:name]
+          find_conditions[:merchant_id] = nil
+        end
+
+        recurring_transaction = family.recurring_transactions.find_or_initialize_by(find_conditions)
+
+        # Set the name or merchant_id on new records
+        if recurring_transaction.new_record?
+          if pattern[:merchant_id].present?
+            recurring_transaction.merchant_id = pattern[:merchant_id]
+          else
+            recurring_transaction.name = pattern[:name]
+          end
+        end
 
         recurring_transaction.assign_attributes(
           expected_day_of_month: pattern[:expected_day_of_month],
diff --git a/app/views/recurring_transactions/_projected_transaction.html.erb b/app/views/recurring_transactions/_projected_transaction.html.erb
index 44ed7d185..050fd72fe 100644
--- a/app/views/recurring_transactions/_projected_transaction.html.erb
+++ b/app/views/recurring_transactions/_projected_transaction.html.erb
@@ -4,14 +4,23 @@
   <div class="pr-4 lg:pr-10 flex items-center gap-3 lg:gap-4 col-span-8">
     <div class="max-w-full">
       <%= content_tag :div, class: ["flex items-center gap-2"] do %>
-        <% if recurring_transaction.merchant&.logo_url.present? %>
-          <%= image_tag recurring_transaction.merchant.logo_url,
-              class: "w-6 h-6 rounded-full",
-              loading: "lazy" %>
+        <% if recurring_transaction.merchant.present? %>
+          <% if recurring_transaction.merchant.logo_url.present? %>
+            <%= image_tag recurring_transaction.merchant.logo_url,
+                class: "w-6 h-6 rounded-full",
+                loading: "lazy" %>
+          <% else %>
+            <%= render DS::FilledIcon.new(
+              variant: :text,
+              text: recurring_transaction.merchant.name,
+              size: "sm",
+              rounded: true
+            ) %>
+          <% end %>
         <% else %>
           <%= render DS::FilledIcon.new(
             variant: :text,
-            text: recurring_transaction.merchant.name,
+            text: recurring_transaction.name,
             size: "sm",
             rounded: true
           ) %>
@@ -21,7 +30,7 @@
           <div class="space-y-0.5">
             <div class="flex items-center gap-2 min-w-0">
               <div class="truncate flex-shrink">
-                <%= recurring_transaction.merchant.name %>
+                <%= recurring_transaction.merchant.present? ? recurring_transaction.merchant.name : recurring_transaction.name %>
               </div>
 
               <div class="flex items-center gap-1 flex-shrink-0">
diff --git a/app/views/recurring_transactions/index.html.erb b/app/views/recurring_transactions/index.html.erb
index 5f8958f36..4f1925884 100644
--- a/app/views/recurring_transactions/index.html.erb
+++ b/app/views/recurring_transactions/index.html.erb
@@ -77,19 +77,29 @@
               <tr class="border-b border-subdued hover:bg-surface-hover <%= "opacity-60" unless recurring_transaction.active? %>">
                 <td class="py-3 px-2 text-sm">
                   <div class="flex items-center gap-2">
-                    <% if recurring_transaction.merchant&.logo_url.present? %>
-                      <%= image_tag recurring_transaction.merchant.logo_url,
-                          class: "w-6 h-6 rounded-full",
-                          loading: "lazy" %>
+                    <% if recurring_transaction.merchant.present? %>
+                      <% if recurring_transaction.merchant.logo_url.present? %>
+                        <%= image_tag recurring_transaction.merchant.logo_url,
+                            class: "w-6 h-6 rounded-full",
+                            loading: "lazy" %>
+                      <% else %>
+                        <%= render DS::FilledIcon.new(
+                          variant: :text,
+                          text: recurring_transaction.merchant.name,
+                          size: "sm",
+                          rounded: true
+                        ) %>
+                      <% end %>
+                      <span class="text-primary font-medium"><%= recurring_transaction.merchant.name %></span>
                     <% else %>
                       <%= render DS::FilledIcon.new(
                         variant: :text,
-                        text: recurring_transaction.merchant.name,
+                        text: recurring_transaction.name,
                         size: "sm",
                         rounded: true
                       ) %>
+                      <span class="text-primary font-medium"><%= recurring_transaction.name %></span>
                     <% end %>
-                    <span class="text-primary font-medium"><%= recurring_transaction.merchant.name %></span>
                   </div>
                 </td>
                 <td class="py-3 px-2 text-sm font-medium <%= recurring_transaction.amount.negative? ? "text-success" : "text-primary" %>">
diff --git a/config/locales/views/recurring_transactions/en.yml b/config/locales/views/recurring_transactions/en.yml
index 69df3ad81..421426c45 100644
--- a/config/locales/views/recurring_transactions/en.yml
+++ b/config/locales/views/recurring_transactions/en.yml
@@ -26,7 +26,7 @@ en:
       title: No recurring transactions found
       description: Click "Identify Patterns" to automatically detect recurring transactions from your transaction history.
     table:
-      merchant: Merchant
+      merchant: Name
       amount: Amount
       expected_day: Expected Day
       next_date: Next Date
diff --git a/db/migrate/20251110103641_add_name_to_recurring_transactions.rb b/db/migrate/20251110103641_add_name_to_recurring_transactions.rb
new file mode 100644
index 000000000..cdb3215e1
--- /dev/null
+++ b/db/migrate/20251110103641_add_name_to_recurring_transactions.rb
@@ -0,0 +1,5 @@
+class AddNameToRecurringTransactions < ActiveRecord::Migration[7.2]
+  def change
+    add_column :recurring_transactions, :name, :string, if_not_exists: true
+  end
+end
diff --git a/db/schema.rb b/db/schema.rb
index 955a0cfd3..86a1ec71d 100644
--- a/db/schema.rb
+++ b/db/schema.rb
@@ -10,7 +10,7 @@
 #
 # It's strongly recommended that you check this file into your version control system.
 
-ActiveRecord::Schema[7.2].define(version: 2025_10_31_132654) do
+ActiveRecord::Schema[7.2].define(version: 2025_11_10_104411) do
   # These are extensions that must be enabled in order to support this database
   enable_extension "pgcrypto"
   enable_extension "plpgsql"
@@ -676,7 +676,7 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_31_132654) do
 
   create_table "recurring_transactions", id: :uuid, default: -> { "gen_random_uuid()" }, force: :cascade do |t|
     t.uuid "family_id", null: false
-    t.uuid "merchant_id", null: false
+    t.uuid "merchant_id"
     t.decimal "amount", precision: 19, scale: 4, null: false
     t.string "currency", null: false
     t.integer "expected_day_of_month", null: false
@@ -686,7 +686,9 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_31_132654) do
     t.integer "occurrence_count", default: 0, null: false
     t.datetime "created_at", null: false
     t.datetime "updated_at", null: false
-    t.index ["family_id", "merchant_id", "amount", "currency"], name: "idx_recurring_txns_on_family_merchant_amount_currency", unique: true
+    t.string "name"
+    t.index ["family_id", "merchant_id", "amount", "currency"], name: "idx_recurring_txns_merchant", unique: true, where: "(merchant_id IS NOT NULL)"
+    t.index ["family_id", "name", "amount", "currency"], name: "idx_recurring_txns_name", unique: true, where: "((name IS NOT NULL) AND (merchant_id IS NULL))"
     t.index ["family_id", "status"], name: "index_recurring_transactions_on_family_id_and_status"
     t.index ["family_id"], name: "index_recurring_transactions_on_family_id"
     t.index ["merchant_id"], name: "index_recurring_transactions_on_merchant_id"
@@ -989,7 +991,7 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_31_132654) do
     t.string "subtype"
   end
 
-  add_foreign_key "account_providers", "accounts"
+  add_foreign_key "account_providers", "accounts", on_delete: :cascade
   add_foreign_key "accounts", "families"
   add_foreign_key "accounts", "imports"
   add_foreign_key "accounts", "plaid_accounts"
@@ -1003,11 +1005,11 @@ ActiveRecord::Schema[7.2].define(version: 2025_10_31_132654) do
   add_foreign_key "budgets", "families"
   add_foreign_key "categories", "families"
   add_foreign_key "chats", "users"
-  add_foreign_key "entries", "accounts"
+  add_foreign_key "entries", "accounts", on_delete: :cascade
   add_foreign_key "entries", "imports"
   add_foreign_key "family_exports", "families"
   add_foreign_key "holdings", "account_providers"
-  add_foreign_key "holdings", "accounts"
+  add_foreign_key "holdings", "accounts", on_delete: :cascade
   add_foreign_key "holdings", "securities"
   add_foreign_key "impersonation_session_logs", "impersonation_sessions"
   add_foreign_key "impersonation_sessions", "users", column: "impersonated_id"
diff --git a/test/models/recurring_transaction_test.rb b/test/models/recurring_transaction_test.rb
index 924a02b1c..6ce2065c7 100644
--- a/test/models/recurring_transaction_test.rb
+++ b/test/models/recurring_transaction_test.rb
@@ -169,4 +169,159 @@ class RecurringTransactionTest < ActiveSupport::TestCase
     assert_equal "USD", recurring.currency
     assert_equal "active", recurring.status
   end
+
+  test "identify_patterns_for creates name-based recurring transactions for transactions without merchants" do
+    # Create transactions without merchants (e.g., from CSV imports or standard accounts)
+    account = @family.accounts.first
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        category: categories(:food_and_drink)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 10.days,
+        amount: 25.00,
+        currency: "USD",
+        name: "Local Coffee Shop",
+        entryable: transaction
+      )
+    end
+
+    assert_difference "@family.recurring_transactions.count", 1 do
+      RecurringTransaction.identify_patterns_for(@family)
+    end
+
+    recurring = @family.recurring_transactions.last
+    assert_nil recurring.merchant
+    assert_equal "Local Coffee Shop", recurring.name
+    assert_equal 25.00, recurring.amount
+    assert_equal "USD", recurring.currency
+    assert_equal "active", recurring.status
+    assert_equal 3, recurring.occurrence_count
+  end
+
+  test "identify_patterns_for creates separate patterns for same merchant but different names" do
+    # Create two different recurring transactions from the same merchant
+    account = @family.accounts.first
+
+    # First pattern: Netflix Standard
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        merchant: @merchant,
+        category: categories(:food_and_drink)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 5.days,
+        amount: 15.99,
+        currency: "USD",
+        name: "Netflix Standard",
+        entryable: transaction
+      )
+    end
+
+    # Second pattern: Netflix Premium
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        merchant: @merchant,
+        category: categories(:food_and_drink)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 10.days,
+        amount: 19.99,
+        currency: "USD",
+        name: "Netflix Premium",
+        entryable: transaction
+      )
+    end
+
+    # Should create 2 patterns - one for each amount
+    assert_difference "@family.recurring_transactions.count", 2 do
+      RecurringTransaction.identify_patterns_for(@family)
+    end
+  end
+
+  test "matching_transactions works with name-based recurring transactions" do
+    account = @family.accounts.first
+
+    # Create transactions for pattern
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        category: categories(:food_and_drink)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 15.days,
+        amount: 50.00,
+        currency: "USD",
+        name: "Gym Membership",
+        entryable: transaction
+      )
+    end
+
+    RecurringTransaction.identify_patterns_for(@family)
+    recurring = @family.recurring_transactions.last
+
+    # Verify matching transactions finds the correct entries
+    matches = recurring.matching_transactions
+    assert_equal 3, matches.size
+    assert matches.all? { |entry| entry.name == "Gym Membership" }
+  end
+
+  test "validation requires either merchant or name" do
+    recurring = @family.recurring_transactions.build(
+      amount: 25.00,
+      currency: "USD",
+      expected_day_of_month: 5,
+      last_occurrence_date: Date.current,
+      next_expected_date: 1.month.from_now.to_date
+    )
+
+    assert_not recurring.valid?
+    assert_includes recurring.errors[:base], "Either merchant or name must be present"
+  end
+
+  test "both merchant-based and name-based patterns can coexist" do
+    account = @family.accounts.first
+
+    # Create merchant-based pattern
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        merchant: @merchant,
+        category: categories(:food_and_drink)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 5.days,
+        amount: 15.99,
+        currency: "USD",
+        name: "Netflix Subscription",
+        entryable: transaction
+      )
+    end
+
+    # Create name-based pattern (no merchant)
+    [ 0, 1, 2 ].each do |months_ago|
+      transaction = Transaction.create!(
+        category: categories(:one)
+      )
+      account.entries.create!(
+        date: months_ago.months.ago.beginning_of_month + 1.days,
+        amount: 1200.00,
+        currency: "USD",
+        name: "Monthly Rent",
+        entryable: transaction
+      )
+    end
+
+    assert_difference "@family.recurring_transactions.count", 2 do
+      RecurringTransaction.identify_patterns_for(@family)
+    end
+
+    # Verify both types exist
+    merchant_based = @family.recurring_transactions.where.not(merchant_id: nil).first
+    name_based = @family.recurring_transactions.where(merchant_id: nil).first
+
+    assert merchant_based.present?
+    assert_equal @merchant, merchant_based.merchant
+
+    assert name_based.present?
+    assert_equal "Monthly Rent", name_based.name
+  end
 end