diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index a3af97a..d810d16 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -247,6 +247,8 @@ const WALLET_KINDS = [
 ]
 const walletsOfKind = computed(() => wallets.value.filter((w) => w.type === form.walletKind))
 const toWalletsOfKind = computed(() => wallets.value.filter((w) => w.type === form.toWalletKind))
+// 선택한 계좌 종류 라벨(계좌/현금/카드/대출/증권) — 셀렉트 안내문에 사용
+const walletKindLabel = computed(() => WALLET_KINDS.find((k) => k.value === form.walletKind)?.label || '계좌')
 function walletKindOf(id) {
   const w = wallets.value.find((x) => x.id === id)
   return w ? w.type : ''
@@ -1069,9 +1071,9 @@ onMounted(async () => {
                   </div>
                 </div>
                 <select v-if="form.walletKind" v-model="form.walletId" :disabled="submitting">
-                  <option value="">{{ form.walletKind === 'CASH' && (form.type === 'INCOME' || form.type === 'EXPENSE') ? '현금 (계좌 미지정)' : (form.type === 'INCOME' || form.type === 'EXPENSE' ? '계좌/카드 선택' : '출금 계좌 선택') }}</option>
+                  <option value="">{{ form.walletKind === 'CASH' && (form.type === 'INCOME' || form.type === 'EXPENSE') ? '현금 (계좌 미지정)' : (form.type === 'INCOME' || form.type === 'EXPENSE' ? walletKindLabel + ' 선택' : '출금 계좌 선택') }}</option>
                   <option v-for="w in walletsOfKind" :key="w.id" :value="w.id">
-                    {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
+                    {{ w.name || w.issuer }}
                   </option>
                 </select>
               </div>
@@ -1097,7 +1099,7 @@ onMounted(async () => {
                   <select v-if="form.toWalletKind" v-model="form.toWalletId" :disabled="submitting">
                     <option value="">입금 계좌 선택</option>
                     <option v-for="w in toWalletsOfKind" :key="w.id" :value="w.id">
-                      {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
+                      {{ w.name || w.issuer }}
                     </option>
                   </select>
                 </div>
@@ -1109,7 +1111,7 @@ onMounted(async () => {
                   <select v-model="form.toWalletId" :disabled="submitting">
                     <option value="">(선택)</option>
                     <option v-for="w in liabilityWallets" :key="w.id" :value="w.id">
-                      {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
+                      {{ w.name || w.issuer }}
                     </option>
                   </select>
                 </label>