diff --git a/src/app/[locale]/settings/billing/page.tsx b/src/app/[locale]/settings/billing/page.tsx
index 6f01987..62e0462 100644
--- a/src/app/[locale]/settings/billing/page.tsx
+++ b/src/app/[locale]/settings/billing/page.tsx
@@ -33,10 +33,15 @@ export default async function BillingSettingsPage() {
         <h1 className="font-display text-2xl font-semibold accent-rule">
           {t("title")}
         </h1>
-        <p className="text-sm text-text-secondary mt-3">{t("subtitle")}</p>
+        <p className="text-sm text-text-secondary mt-3">
+          {user.isPersonal ? t("subtitlePersonal") : t("subtitle")}
+        </p>
       </div>
       <div className="animate-in animate-in-delay-1">
-        <BillingSettingsForm initial={existing} />
+        <BillingSettingsForm
+          initial={existing}
+          isPersonal={user.isPersonal}
+        />
       </div>
     </main>
   );
diff --git a/src/components/settings/billing-form.tsx b/src/components/settings/billing-form.tsx
index dccd1d7..821fa34 100644
--- a/src/components/settings/billing-form.tsx
+++ b/src/components/settings/billing-form.tsx
@@ -8,6 +8,16 @@ import type { OrgBilling } from "@/types";
 
 interface Props {
   initial: OrgBilling | null;
+  /**
+   * Personal-account (individual customer) flag from the session.
+   * Individuals get a "Full name" field instead of "Company name",
+   * and the VAT input is hidden entirely — they don't have one and
+   * showing the field would only confuse. The underlying column is
+   * still `company_name` in the DB and the invoice PDF; for an
+   * individual that field carries their full name, which is
+   * exactly what should print on the invoice.
+   */
+  isPersonal: boolean;
 }
 
 /**
@@ -22,7 +32,7 @@ interface Props {
  * On success we router.refresh() the page so the server component
  * re-fetches and any "create now" -> "edit" wording flips.
  */
-export function BillingSettingsForm({ initial }: Props) {
+export function BillingSettingsForm({ initial, isPersonal }: Props) {
   const t = useTranslations("settingsBilling");
   const router = useRouter();
   const [form, setForm] = useState({
@@ -78,7 +88,10 @@ export function BillingSettingsForm({ initial }: Props) {
           postalCode: form.postalCode.trim(),
           city: form.city.trim(),
           country: form.country.trim().toUpperCase(),
-          vatNumber: form.vatNumber.trim() || null,
+          // Personal accounts never have a VAT number — force null
+          // regardless of stale state, in case a value was stored
+          // before the account got flagged as personal.
+          vatNumber: isPersonal ? null : form.vatNumber.trim() || null,
           billingEmail: form.billingEmail.trim(),
           notes: form.notes.trim() || null,
         }),
@@ -99,7 +112,10 @@ export function BillingSettingsForm({ initial }: Props) {
   return (
     <Card>
       <div className="space-y-4">
-        <Field label={t("companyNameLabel")} required>
+        <Field
+          label={isPersonal ? t("fullNameLabel") : t("companyNameLabel")}
+          required
+        >
           <input
             type="text"
             value={form.companyName}
@@ -155,16 +171,18 @@ export function BillingSettingsForm({ initial }: Props) {
             />
           </Field>
         </div>
-        <Field label={t("vatNumberLabel")} hint={t("vatNumberHint")}>
-          <input
-            type="text"
-            value={form.vatNumber}
-            onChange={set("vatNumber")}
-            maxLength={40}
-            placeholder="CHE-123.456.789 MWST"
-            className="w-full px-3 py-2 rounded-md bg-surface-2 border border-border focus:border-accent focus:outline-none text-sm font-mono"
-          />
-        </Field>
+        {!isPersonal && (
+          <Field label={t("vatNumberLabel")} hint={t("vatNumberHint")}>
+            <input
+              type="text"
+              value={form.vatNumber}
+              onChange={set("vatNumber")}
+              maxLength={40}
+              placeholder="CHE-123.456.789 MWST"
+              className="w-full px-3 py-2 rounded-md bg-surface-2 border border-border focus:border-accent focus:outline-none text-sm font-mono"
+            />
+          </Field>
+        )}
         <Field label={t("billingEmailLabel")} required hint={t("billingEmailHint")}>
           <input
             type="email"
diff --git a/src/messages/de.json b/src/messages/de.json
index 63c7d10..8759116 100644
--- a/src/messages/de.json
+++ b/src/messages/de.json
@@ -502,7 +502,9 @@
     "saved": "Gespeichert.",
     "missingRequired": "Bitte alle Pflichtfelder ausfüllen.",
     "invalidCountry": "Ländercode muss aus 2 Buchstaben bestehen (z.B. CH).",
-    "invalidEmail": "Bitte eine gültige E-Mail-Adresse eingeben."
+    "invalidEmail": "Bitte eine gültige E-Mail-Adresse eingeben.",
+    "fullNameLabel": "Vor- und Nachname",
+    "subtitlePersonal": "Ihre Rechnungsadresse und Rechnungskontakt. Erforderlich, bevor Rechnungen ausgestellt werden können."
   },
   "support": {
     "title": "Support",
diff --git a/src/messages/en.json b/src/messages/en.json
index badf37e..2291002 100644
--- a/src/messages/en.json
+++ b/src/messages/en.json
@@ -502,7 +502,9 @@
     "saved": "Saved.",
     "missingRequired": "Please fill in all required fields.",
     "invalidCountry": "Country code must be 2 letters (e.g. CH).",
-    "invalidEmail": "Please enter a valid email address."
+    "invalidEmail": "Please enter a valid email address.",
+    "fullNameLabel": "Full name",
+    "subtitlePersonal": "Your billing address and invoice contact. Required before invoices can be issued."
   },
   "support": {
     "title": "Support",
diff --git a/src/messages/fr.json b/src/messages/fr.json
index 90bd854..2b4af1b 100644
--- a/src/messages/fr.json
+++ b/src/messages/fr.json
@@ -502,7 +502,9 @@
     "saved": "Enregistré.",
     "missingRequired": "Veuillez remplir tous les champs obligatoires.",
     "invalidCountry": "Le code pays doit comporter 2 lettres (p. ex. CH).",
-    "invalidEmail": "Veuillez saisir une adresse e-mail valide."
+    "invalidEmail": "Veuillez saisir une adresse e-mail valide.",
+    "fullNameLabel": "Nom et prénom",
+    "subtitlePersonal": "Votre adresse de facturation et votre contact. Requis avant l'émission de toute facture."
   },
   "support": {
     "title": "Support",
diff --git a/src/messages/it.json b/src/messages/it.json
index e3c3db3..8640f3f 100644
--- a/src/messages/it.json
+++ b/src/messages/it.json
@@ -502,7 +502,9 @@
     "saved": "Salvato.",
     "missingRequired": "Compila tutti i campi obbligatori.",
     "invalidCountry": "Il codice paese deve essere di 2 lettere (es. CH).",
-    "invalidEmail": "Inserisci un indirizzo e-mail valido."
+    "invalidEmail": "Inserisci un indirizzo e-mail valido.",
+    "fullNameLabel": "Nome e cognome",
+    "subtitlePersonal": "Il tuo indirizzo di fatturazione e contatto. Necessari prima che possano essere emesse fatture."
   },
   "support": {
     "title": "Supporto",