diff --git a/TrsrDB/Account.pm b/TrsrDB/Account.pm
index 357a65c..e54ae4e 100644
--- a/TrsrDB/Account.pm
+++ b/TrsrDB/Account.pm
@@ -4,7 +4,7 @@ package TrsrDB::Account;
 use base qw/DBIx::Class::Core/;
 
 __PACKAGE__->table('Account');
-__PACKAGE__->add_columns(qw/ID type altId IBAN/);
+__PACKAGE__->add_columns(qw/ID name type altId IBAN/);
 __PACKAGE__->set_primary_key('ID');
 
 __PACKAGE__->has_many(
diff --git a/TrsrDB/HTTP/Account.pm b/TrsrDB/HTTP/Account.pm
index aadfe56..224c7e1 100644
--- a/TrsrDB/HTTP/Account.pm
+++ b/TrsrDB/HTTP/Account.pm
@@ -30,24 +30,37 @@ sub upsert {
     my $account_rs = $db->resultset("Account");
     my $account;
     if ( my $name = $self->stash("account") ) {
-        $self->stash( name => $name );
+        $self->stash( id => $name );
         $account = $account_rs->find($name);
     }
     else {
-        $self->stash( name => undef );
+        $self->stash( id => undef );
         $account = $account_rs->new({});
     }
     $self->stash( account => $account );
 
+    my $iban = $self->param("IBAN") // $account->IBAN;
+        
     if ( $self->req->method eq 'POST' ) {
+        my $p = $self->req->params->to_hash;
+        if ( $p->{IBAN} eq q{*} ) {
+            $p->{IBAN} = q{};
+        }
+        elsif ( !$iban ) {
+            delete $p->{IBAN};
+        } 
         for my $field ($account->result_source->columns) {
-            my $value = $self->param($field);
+            my $value = $p->{ $field };
             $account->$field($value);
         }
         $account->update_or_insert();    
         $self->redirect_to("home");
     }
     else {
+        if ( defined( $iban ) ) {
+            $iban = q{*} if !$iban;
+            $account->IBAN($iban);
+        }
         my @types = $account_rs->search({ type => { '!=' => q// } }, {
             columns => ['type'], distinct => 1
         })->get_column("type")->all;
@@ -78,22 +91,22 @@ sub transfer {
     my $db = $self->app->db;
     my $account = $db->resultset("Account")->find( $self->stash("account") );
     
-    my $credits = $account->available_credits;
-    my $arrears = $account->current_arrears;
+    my $credits_rs = $account->available_credits;
+    my $arrears_rs = $account->current_arrears;
 
-    if ( $self->req->method eq 'POST' ) {
-        $db->make_transfers(
-            $self->every_param('credits')
-         => $self->every_param('debits')
-        );
+    my $credit_ids = $self->every_param('credits');
+    my $arrear_ids = $self->every_param('debits');
+
+    if ( $self->req->method eq 'POST' && @$credit_ids && @$arrear_ids ) {
+        $db->make_transfers( $credit_ids => $arrear_ids );
     }
 
-    if ( !( $credits->count && $arrears->count ) ) {
+    if ( !( $credits_rs->count && $arrears_rs->count ) ) {
         $self->redirect_to('home');
         return;
     }
 
-    $self->stash( credits => $credits, arrears => $arrears );
+    $self->stash( credits => $credits_rs, arrears => $arrears_rs );
 
     return;
 
diff --git a/TrsrDB/HTTP/Credit.pm b/TrsrDB/HTTP/Credit.pm
index 6c43b49..9355607 100644
--- a/TrsrDB/HTTP/Credit.pm
+++ b/TrsrDB/HTTP/Credit.pm
@@ -52,7 +52,7 @@ sub upsert {
         return;
     }
 
-    for my $field ( qw/account date purpose category value/ ) {
+    for my $field ( qw/date purpose category value/ ) {
         my $value = $self->param($field);
         $value = undef if !length $value;
         $credit->$field($value);
diff --git a/schema/tables.sql b/schema/tables.sql
index c3f097a..e04b7b7 100644
--- a/schema/tables.sql
+++ b/schema/tables.sql
@@ -1,5 +1,6 @@
 CREATE TABLE Account (
   ID PRIMARY KEY NOT NULL,
+  name,
   type NOT NULL,
   altId NOT NULL, -- e.g. when type "member", no. in external member table 
   IBAN -- target account for returned payments (set '' to enable
diff --git a/site/style.css b/site/style.css
index 52f442b..4d40e9a 100644
--- a/site/style.css
+++ b/site/style.css
@@ -71,6 +71,7 @@ table.history p.linked-credit {
 
 input, textarea {
     border: 1px solid #ddd;
+    padding: 2px;
 }
 
 dl dt {
@@ -88,6 +89,7 @@ dl dd {
 select {
     border: 1px solid #ddd;
     background-color:transparent;
+    padding: 2px;
 }
 
 .help {
diff --git a/templates/account/list.html.ep b/templates/account/list.html.ep
index 39ba6ee..e0aa604 100644
--- a/templates/account/list.html.ep
+++ b/templates/account/list.html.ep
@@ -17,7 +17,7 @@
 <%= $inter_header->($t) %>
 % }
 % my $u = $account->ID;
-<tr><th><a href="/account/<%= $u %>"><%= $u %></a></th>
+<tr><th><a href="/account/<%= $u %>" title="<%= $account->name %>"><%= $u %></a></th>
    <td class="even_until"><%= $bal->even_until // "never" %></td><td class="number"><%== money $bal->arrears %></td><td><a href="<%= $u %>/debits"><img class="icon" alt="List" src="/list.svg" alt="List"></td><td><a title="Add a debit" href="<%= $u %>/out"><img class="icon" src="/add-debit.svg" alt="Charge"></a></td>
 <td class="centered">
 % my $which = ($bal->arrears && 1) + ($bal->available && 1);
diff --git a/templates/account/transfer.html.ep b/templates/account/transfer.html.ep
index fcf919a..3ee4b2a 100644
--- a/templates/account/transfer.html.ep
+++ b/templates/account/transfer.html.ep
@@ -1,6 +1,6 @@
 % title 'Make transfers for ' . $account;
 
-<p>Check at least one item of both tables. Make sure they correspond in regard to their purposes. <em><strong>Caution:</strong> When you do not check any items in either table, this effectively is to check all in it!</em></p>
+<p>Check at least one item of both tables. Make sure they correspond in regard to their purposes.</em></p>
 
 <form method="post">
 
diff --git a/templates/account/upsert.html.ep b/templates/account/upsert.html.ep
index 9a2cd0c..4a2b086 100644
--- a/templates/account/upsert.html.ep
+++ b/templates/account/upsert.html.ep
@@ -1,17 +1,20 @@
-% title $name ? "Account $name" : "Create account";
+% title $id ? "Account $id" : "Create account";
 
 % my %r;
 % $r{ID} = begin
     <input id="ID" name="ID" value="<%= $account->ID %>">
 % end
+% $r{name} = begin
+    <input id="name" name="name" value="<%= $account->name %>">
+% end
 % $r{type} = begin
-    <input id="type" name="type" value="<%= $account->type %>"> (<%= join(", ", @$types) %> or a new?)
+    <input id="type" name="type" value="<%= $account->type %>"> (Currently there: <%= join(", ", @$types) %>)
 % end
 % $r{altId} = begin
     <input id="altId" name="altId" value="<%= $account->altId %>">
 % end
 % $r{IBAN} = begin
-    <input id="IBAN" name="IBAN" value="<%= $account->IBAN %>">
+    <input id="IBAN" name="IBAN" value="<%= $account->IBAN %>"> (may also be empty or '*' – s. help)
 % end
 
 <form method="post">
@@ -32,4 +35,9 @@
 <button type="submit">Submit</button>
 </form>
 
+% my $help = begin
+<p><strong>What to input into "IBAN"?</strong> To restrict outgoing payments from that account to a certain bank account, insert  its account number. To allow outgoing payment to any bank account, input wildcard (*). To disallow outgoing payment from that account, input nothing.</p>
 
+<p>When inserting a proper number, this number must be included in all outgoing payments from that account. Outgoing payments differ from internal payments in that transferCredit is undefined.</p>
+% end
+% stash help => $help;
diff --git a/templates/credit/upsert.html.ep b/templates/credit/upsert.html.ep
index 19f234c..82cf7f9 100644
--- a/templates/credit/upsert.html.ep
+++ b/templates/credit/upsert.html.ep
@@ -92,6 +92,6 @@
 %    }
 % }
 
-<button type="submit">Submit</button>
+<p><button type="submit">Submit</button></p>
 
 </form>
diff --git a/templates/debit/list.html.ep b/templates/debit/list.html.ep
index e16948c..de6ef01 100644
--- a/templates/debit/list.html.ep
+++ b/templates/debit/list.html.ep
@@ -6,7 +6,14 @@
 <tr><th>Id</th><th>Date</th><th>Purpose</th><th>value</th><th>paid</th><th>to</th></tr>
 % while ( my $debit = $debits->next ) {
 % my $tgt = $debit->target;
-<tr><td><a href="/debit/<%= $debit->billId %>"><%= $debit->billId %></a></td><td><%= $debit->date %></td><td><%== nl2br $debit->purpose %></td><td class="number"><%== money $debit->value %></td><td class="number <%= $debit->paid < $debit->value ? "mark" : "" %>"><%== money $debit->paid %><td><a href="/credit/<%= $tgt->credId %>"><%= $tgt->account->ID %></a></tr>
+<tr><td><a href="/debit/<%= $debit->billId %>"><%= $debit->billId %></a></td><td><%= $debit->date %></td><td><%== nl2br $debit->purpose %></td><td class="number"><%== money $debit->value %></td><td class="number <%= $debit->paid < $debit->value ? "mark" : "" %>"><%== money $debit->paid %><td>
+% if ( $tgt ) {
+<a href="/credit/<%= $tgt->credId %>"><%= $tgt->account->ID %></a>
+% }
+% else {
+(outgoing)
+% }
+</td></tr>
 % }
 </table>
 
diff --git a/templates/debit/upsert.html.ep b/templates/debit/upsert.html.ep
index 8779fd5..a1b3ed7 100644
--- a/templates/debit/upsert.html.ep
+++ b/templates/debit/upsert.html.ep
@@ -30,9 +30,8 @@
 % end
 % $r{targetCredit} = begin
 %   if ( !@$targets ) {
-<p style="color:red;">There are no target credits available. Target credits are credits of other accounts that either still have a value of 0, or which have already been targetted. Please create a target credit record first, because all debits must refer to one so settlements can be fulfilled.</p>
+<div style="color:red;">There are no target credits available. Target credits are credits of other accounts that either still have a value of 0, or which have already been targetted. Please create a target credit record first, because all debits must refer to one so settlements can be fulfilled.</div>
 %       $targets = [ ['', '', ''] ];
-oops
 %   }
 %   my $cmpacc = $targets->[0][1];
 %   my $target = $debit->targetCredit // '';
@@ -103,7 +102,7 @@ oops
 <h2>Pay with credits</h2>
 %    my $credits = app->db->resultset("Account")->find($account)->available_credits;
 %    if ( $credits->count() ) {
-<p><%= $debit->value && $debit->value == $debit->value ? "The debt is already settled. Unless you revoke any incomings above, there is no point in checking" : "Check" %> <%= %used_credits ? "other" : "" %> credits you want to <strong>pay this debit</strong> with:</p>
+<p><%= $debit->value && $debit->value == $debit->paid ? "The debt is already settled. Unless you revoke any incomings above, there is no point in checking" : "Check" %> <%= %used_credits ? "other" : "" %> credits you want to <strong>pay this debit</strong> with:</p>
 <table>
 <tr><th>S</th><th>date</th><th>purpose</th><th>to spend</th><th>note</th></tr>
 %        while ( my $c = $credits->next ) {
@@ -122,6 +121,6 @@ oops
 %    }
 % }
 
-<button type="submit">Submit</button>
+<p><button type="submit">Submit</button></p>
 
 </form>
diff --git a/templates/user/login.html.ep b/templates/user/login.html.ep
index 8611311..03bcd95 100644
--- a/templates/user/login.html.ep
+++ b/templates/user/login.html.ep
@@ -12,12 +12,17 @@
 % }
 <form method="post" action="/login"><p>
 
-    User id: <input name="user" type="text" placeholder="user id or email" value="<%= param('user') %>"><br>
-    Password: <input name="password" type="password"><br>
+<dl>
+<dt>User id</dt>
+<dd><input name="user" type="text" placeholder="user id or email" value="<%= param('user') %>"></dd>
+<dt>Password</dt>
+<dd><input name="password" type="password"></dd>
 % if ( my $token = param 'token' ) {
-    Repeat: <input name="samepassword" type="password"><br>
-    <input type="hidden" name="token" value="<%= $token %>"><br>
+<dt>Repeat</dt>
+<dd><input name="samepassword" type="password">
+<input type="hidden" name="token" value="<%= $token %>">
+</dd>
 % }
-    <button type="submit">Login</button>
+<p><button type="submit">Login</button></p>
 
-</p></form>
+</form>