diff --git a/CHANGELOG.fr.md b/CHANGELOG.fr.md
index 2ced1e7..7b50a23 100644
--- a/CHANGELOG.fr.md
+++ b/CHANGELOG.fr.md
@@ -7,6 +7,10 @@
 - Mise à jour de dépendances pour corriger quatre advisories signalés par `npm audit` : `react-router-dom` 7.13 → 7.18.1 (ce qui tire `react-router` au-delà des advisories RCE turbo-stream, DoS `__manifest`/single-fetch et XSS de redirection RSC), plus l'outillage de développement `vite` 6.4.2 → 6.4.3 et `vitest` 4.0.18 → 4.1.9. Aucun changement de comportement. L'app est livrée comme un client de bureau local : les advisories runtime (qui nécessitent un serveur SSR/RSC react-router) ne s'appliquaient pas au produit livré ; ce sont des mises à jour de durcissement (#235, #236, #237, #238).
 - Épinglé la dépendance transitive de build `@babel/core` en 7.29.7 via une entrée `overrides` scopée (sous `@vitejs/plugin-react`), corrigeant le dernier advisory `npm audit` (GHSA-4x5r-pxfx-6jf8, lecture de fichier arbitraire via un commentaire `sourceMappingURL`, sévérité faible). Outillage de build uniquement — aucun changement runtime ni de comportement — et `npm audit` est désormais propre (#241).
 
+### Corrigé
+
+- Rapports → Comparaison (réel vs réel) : les catégories de type transfert (ex. « Paiement CC ») s'annulent maintenant à ~0 au lieu d'afficher seulement leurs sorties. Un transfert est un mouvement d'argent, pas une dépense — son débit et son crédit correspondant sur la même période se compensent. Les catégories de dépense et de revenu conservent exactement leurs montants précédents (#243).
+
 ## [0.10.1] - 2026-06-30
 
 ### Corrigé
diff --git a/CHANGELOG.md b/CHANGELOG.md
index 9442e91..39d567e 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -7,6 +7,10 @@
 - Updated dependencies to clear four advisories reported by `npm audit`: `react-router-dom` 7.13 → 7.18.1 (which pulls `react-router` past the turbo-stream RCE, `__manifest`/single-fetch DoS, and RSC-redirect XSS advisories), plus the dev toolchain `vite` 6.4.2 → 6.4.3 and `vitest` 4.0.18 → 4.1.9. No behaviour change. The app ships as a local desktop client, so the runtime advisories (which require a react-router SSR/RSC server) did not apply to the shipped product; these are hardening bumps (#235, #236, #237, #238).
 - Pinned the build-time transitive dependency `@babel/core` to 7.29.7 through a scoped `overrides` entry (under `@vitejs/plugin-react`), clearing the last `npm audit` advisory (GHSA-4x5r-pxfx-6jf8, arbitrary file read via a `sourceMappingURL` comment, low severity). Build tooling only — no runtime or behaviour change — and `npm audit` is now clean (#241).
 
+### Fixed
+
+- Reports → Compare (real vs real): transfer-type categories (e.g. "Paiement CC") now net to ~0 instead of showing only their outflows. A transfer is a money move, not spending — its debit and matching credit over the same period cancel out. Expense and income categories keep exactly their previous amounts (#243).
+
 ## [0.10.1] - 2026-06-30
 
 ### Fixed
diff --git a/src/services/reportService.test.ts b/src/services/reportService.test.ts
index f84911f..25bc8d8 100644
--- a/src/services/reportService.test.ts
+++ b/src/services/reportService.test.ts
@@ -476,6 +476,117 @@ describe("getCompareYearOverYear", () => {
   });
 });
 
+describe("real-vs-real compare — transfer netting (Issue #243)", () => {
+  // A `transfer` category (e.g. "Paiement CC") is a money move, not spending:
+  // its debit and matching credit must cancel to ~0 in the real-vs-real
+  // compare. Ordinary categories keep the expense-report behavior (only
+  // outflows, summed as positive magnitudes). The netting lives entirely in
+  // the SQL (COMPARE_DELTA_SQL): a signed SUM(t.amount) for `transfer`,
+  // ABS(t.amount) filtered on amount < 0 for everything else, with the WHERE
+  // broadened so transfer credits are not dropped before they can cancel.
+  //
+  // There is no runnable SQLite in these unit tests (tauri-plugin-sql only
+  // exists inside the Tauri WebView, and CI runs Node 20 → no node:sqlite), so
+  // the netting is pinned two ways: (1) a reference-semantics check over
+  // concrete debit/credit rows that reproduces the exact per-row rule the SQL
+  // encodes, and (2) structural assertions that the real query on BOTH compare
+  // functions carries that rule and the broadened WHERE.
+
+  /** Per-row contribution to a bucket — the exact rule COMPARE_DELTA_SQL encodes. */
+  function bucketContribution(amount: number, type: string | null): number {
+    return (type ?? "expense") === "transfer"
+      ? amount // signed → a debit and its matching credit cancel
+      : amount < 0
+        ? Math.abs(amount) // expense outflow as a positive magnitude
+        : 0; // non-transfer credits dropped → no revenues surfaced
+  }
+
+  it("nets a balanced transfer to ~0 while an expense keeps its sum of outflows", () => {
+    // "Paiement CC" (transfer): -500 out of chequing, +500 onto the card.
+    const transfer = [-500, 500].reduce((s, a) => s + bucketContribution(a, "transfer"), 0);
+    expect(transfer).toBeCloseTo(0, 6);
+
+    // "Épicerie" (expense): two debits + one refund credit that must NOT net it down.
+    const expense = [-120, -80, 60].reduce((s, a) => s + bucketContribution(a, "expense"), 0);
+    expect(expense).toBe(200);
+
+    // Uncategorized (c.type NULL) defaults to expense behavior.
+    const uncategorized = [-40, 15].reduce((s, a) => s + bucketContribution(a, null), 0);
+    expect(uncategorized).toBe(40);
+  });
+
+  it("getCompareMonthOverMonth SQL nets transfers (signed) but keeps ABS for other types", async () => {
+    mockSelect.mockResolvedValueOnce([]);
+
+    await getCompareMonthOverMonth(2026, 4);
+
+    const sql = mockSelect.mock.calls[0][0] as string;
+    // transfer → signed t.amount; every other type → ABS(t.amount)
+    expect(sql).toContain(
+      "COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount)",
+    );
+    // WHERE broadened so transfer credits survive the expense (amount < 0) filter
+    expect(sql).toContain(
+      "WHERE (t.amount < 0 OR COALESCE(c.type, 'expense') = 'transfer')",
+    );
+    // still four date buckets
+    expect(sql).toContain("month_current_total");
+    expect(sql).toContain("cumulative_previous_total");
+  });
+
+  it("getCompareYearOverYear applies the identical netting contract (both tabs fixed)", async () => {
+    mockSelect.mockResolvedValueOnce([]);
+
+    await getCompareYearOverYear(2026, 4);
+
+    const sql = mockSelect.mock.calls[0][0] as string;
+    expect(sql).toContain(
+      "COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount)",
+    );
+    expect(sql).toContain(
+      "WHERE (t.amount < 0 OR COALESCE(c.type, 'expense') = 'transfer')",
+    );
+  });
+
+  it("keeps a netted transfer at 0 through the pipeline while an expense is unchanged", async () => {
+    // Rows as the netted SQL returns them: the balanced transfer arrives at 0,
+    // the ordinary expense keeps its outflow sum. Assert nothing downstream
+    // re-inflates the transfer.
+    mockSelect.mockResolvedValueOnce([
+      {
+        category_id: 5,
+        category_name: "Épicerie",
+        category_color: "#10b981",
+        month_current_total: 200,
+        month_previous_total: 150,
+        cumulative_current_total: 800,
+        cumulative_previous_total: 600,
+      },
+      {
+        category_id: 71,
+        category_name: "Paiement CC",
+        category_color: "#9ca3af",
+        month_current_total: 0,
+        month_previous_total: 0,
+        cumulative_current_total: 0,
+        cumulative_previous_total: 0,
+      },
+    ]);
+
+    const result = await getCompareMonthOverMonth(2026, 4);
+    const transferRow = result.find((r) => r.categoryName === "Paiement CC")!;
+    const expenseRow = result.find((r) => r.categoryName === "Épicerie")!;
+
+    expect(transferRow.currentAmount).toBe(0);
+    expect(transferRow.previousAmount).toBe(0);
+    expect(transferRow.deltaAbs).toBe(0);
+    expect(transferRow.cumulativeCurrentAmount).toBe(0);
+    // Ordinary expense keeps EXACTLY its sum of outflows.
+    expect(expenseRow.currentAmount).toBe(200);
+    expect(expenseRow.previousAmount).toBe(150);
+  });
+});
+
 describe("getCategoryZoom", () => {
   it("uses a bounded recursive CTE when including subcategories", async () => {
     mockSelect
diff --git a/src/services/reportService.ts b/src/services/reportService.ts
index 2b72eb6..dcdb859 100644
--- a/src/services/reportService.ts
+++ b/src/services/reportService.ts
@@ -434,6 +434,47 @@ function previousMonth(year: number, month: number): { year: number; month: numb
   return { year, month: month - 1 };
 }
 
+/**
+ * Shared aggregation for the real-vs-real compare (both MoM and YoY drive the
+ * exact same query — only the eight date bounds differ). Four date buckets
+ * ($1..$8): monthly current/previous and cumulative current/previous.
+ *
+ * Per-category sign convention (Issue #243):
+ *   - `transfer` categories NET via a signed SUM(t.amount), so a balanced
+ *     debit/credit pair (e.g. "Paiement CC": -500 out, +500 in) cancels to ~0.
+ *     A transfer is a money move, not spending, and must not inflate the
+ *     expense figures.
+ *   - Every other type keeps the expense-report behavior: only outflows
+ *     (amount < 0) count, summed as positive magnitudes via ABS.
+ *
+ * The WHERE is broadened with `OR COALESCE(c.type, 'expense') = 'transfer'` so
+ * transfer *credits* survive the `amount < 0` expense filter and can actually
+ * cancel their debits — without it the credit leg would be dropped and the
+ * category could never net to zero. For non-transfer rows the WHERE still
+ * admits only outflows, so their totals are byte-identical to the previous
+ * behavior (no revenues surfaced, no zero-rows for pure-income categories).
+ * Uncategorized rows (LEFT JOIN → c.type NULL) default to 'expense'.
+ */
+const COMPARE_DELTA_SQL = `SELECT
+        t.category_id,
+        COALESCE(c.name, 'Uncategorized') AS category_name,
+        COALESCE(c.color, '#9ca3af')      AS category_color,
+        COALESCE(SUM(CASE WHEN t.date >= $1 AND t.date <= $2 THEN CASE WHEN COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount) END ELSE 0 END), 0) AS month_current_total,
+        COALESCE(SUM(CASE WHEN t.date >= $3 AND t.date <= $4 THEN CASE WHEN COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount) END ELSE 0 END), 0) AS month_previous_total,
+        COALESCE(SUM(CASE WHEN t.date >= $5 AND t.date <= $6 THEN CASE WHEN COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount) END ELSE 0 END), 0) AS cumulative_current_total,
+        COALESCE(SUM(CASE WHEN t.date >= $7 AND t.date <= $8 THEN CASE WHEN COALESCE(c.type, 'expense') = 'transfer' THEN t.amount ELSE ABS(t.amount) END ELSE 0 END), 0) AS cumulative_previous_total
+      FROM transactions t
+      LEFT JOIN categories c ON t.category_id = c.id
+      WHERE (t.amount < 0 OR COALESCE(c.type, 'expense') = 'transfer')
+        AND (
+          (t.date >= $1 AND t.date <= $2)
+          OR (t.date >= $3 AND t.date <= $4)
+          OR (t.date >= $5 AND t.date <= $6)
+          OR (t.date >= $7 AND t.date <= $8)
+        )
+      GROUP BY t.category_id, category_name, category_color
+      ORDER BY ABS(month_current_total - month_previous_total) DESC`;
+
 /**
  * Month-over-month expense delta by category. Returns both a monthly view
  * (reference month vs immediately-previous month) and a cumulative YTD view
@@ -461,33 +502,12 @@ export async function getCompareMonthOverMonth(
   const cumPreviousStart = `${prev.year}-01-01`;
   const cumPreviousEnd = prevEnd;
 
-  const rows = await db.select<RawDeltaRow[]>(
-    `SELECT
-        t.category_id,
-        COALESCE(c.name, 'Uncategorized') AS category_name,
-        COALESCE(c.color, '#9ca3af')      AS category_color,
-        COALESCE(SUM(CASE WHEN t.date >= $1 AND t.date <= $2 THEN ABS(t.amount) ELSE 0 END), 0) AS month_current_total,
-        COALESCE(SUM(CASE WHEN t.date >= $3 AND t.date <= $4 THEN ABS(t.amount) ELSE 0 END), 0) AS month_previous_total,
-        COALESCE(SUM(CASE WHEN t.date >= $5 AND t.date <= $6 THEN ABS(t.amount) ELSE 0 END), 0) AS cumulative_current_total,
-        COALESCE(SUM(CASE WHEN t.date >= $7 AND t.date <= $8 THEN ABS(t.amount) ELSE 0 END), 0) AS cumulative_previous_total
-      FROM transactions t
-      LEFT JOIN categories c ON t.category_id = c.id
-      WHERE t.amount < 0
-        AND (
-          (t.date >= $1 AND t.date <= $2)
-          OR (t.date >= $3 AND t.date <= $4)
-          OR (t.date >= $5 AND t.date <= $6)
-          OR (t.date >= $7 AND t.date <= $8)
-        )
-      GROUP BY t.category_id, category_name, category_color
-      ORDER BY ABS(month_current_total - month_previous_total) DESC`,
-    [
-      curStart, curEnd,
-      prevStart, prevEnd,
-      cumCurrentStart, cumCurrentEnd,
-      cumPreviousStart, cumPreviousEnd,
-    ],
-  );
+  const rows = await db.select<RawDeltaRow[]>(COMPARE_DELTA_SQL, [
+    curStart, curEnd,
+    prevStart, prevEnd,
+    cumCurrentStart, cumCurrentEnd,
+    cumPreviousStart, cumPreviousEnd,
+  ]);
   return rowsToDeltas(rows);
 }
 
@@ -512,33 +532,12 @@ export async function getCompareYearOverYear(
   const cumPreviousStart = `${year - 1}-01-01`;
   const cumPreviousEnd = prevMonthEnd;
 
-  const rows = await db.select<RawDeltaRow[]>(
-    `SELECT
-        t.category_id,
-        COALESCE(c.name, 'Uncategorized') AS category_name,
-        COALESCE(c.color, '#9ca3af')      AS category_color,
-        COALESCE(SUM(CASE WHEN t.date >= $1 AND t.date <= $2 THEN ABS(t.amount) ELSE 0 END), 0) AS month_current_total,
-        COALESCE(SUM(CASE WHEN t.date >= $3 AND t.date <= $4 THEN ABS(t.amount) ELSE 0 END), 0) AS month_previous_total,
-        COALESCE(SUM(CASE WHEN t.date >= $5 AND t.date <= $6 THEN ABS(t.amount) ELSE 0 END), 0) AS cumulative_current_total,
-        COALESCE(SUM(CASE WHEN t.date >= $7 AND t.date <= $8 THEN ABS(t.amount) ELSE 0 END), 0) AS cumulative_previous_total
-      FROM transactions t
-      LEFT JOIN categories c ON t.category_id = c.id
-      WHERE t.amount < 0
-        AND (
-          (t.date >= $1 AND t.date <= $2)
-          OR (t.date >= $3 AND t.date <= $4)
-          OR (t.date >= $5 AND t.date <= $6)
-          OR (t.date >= $7 AND t.date <= $8)
-        )
-      GROUP BY t.category_id, category_name, category_color
-      ORDER BY ABS(month_current_total - month_previous_total) DESC`,
-    [
-      curMonthStart, curMonthEnd,
-      prevMonthStart, prevMonthEnd,
-      cumCurrentStart, cumCurrentEnd,
-      cumPreviousStart, cumPreviousEnd,
-    ],
-  );
+  const rows = await db.select<RawDeltaRow[]>(COMPARE_DELTA_SQL, [
+    curMonthStart, curMonthEnd,
+    prevMonthStart, prevMonthEnd,
+    cumCurrentStart, cumCurrentEnd,
+    cumPreviousStart, cumPreviousEnd,
+  ]);
   return rowsToDeltas(rows);
 }