diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index c277d6a..b68610a 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -356,6 +356,10 @@ const fromWalletKinds = computed(() =>
     return true
   }),
 )
+// 이체 입금 계좌 종류: 카드·대출은 이체가 아니라 '상환' 대상이므로 제외
+const toWalletKinds = computed(() =>
+  WALLET_KINDS.filter((k) => k.value !== 'CARD' && k.value !== 'LOAN'),
+)
 const TYPES = [
   { value: 'EXPENSE',   label: '지출',    cls: 'chip-expense' },
   { value: 'INCOME',    label: '수입',    cls: 'chip-income' },
@@ -1170,7 +1174,6 @@ onMounted(async () => {
                   v-if="form.walletKind"
                   v-model="form.walletId"
                   :options="fromWalletOptions"
-                  :cols="2"
                   :disabled="submitting"
                   :empty-text="`등록된 ${walletKindLabel}이(가) 없습니다`"
                 />
@@ -1187,7 +1190,7 @@ onMounted(async () => {
                 <div class="field">
                   <span class="field-label">입금 종류</span>
                   <div class="wallet-chips">
-                    <button v-for="k in WALLET_KINDS" :key="k.value" type="button"
+                    <button v-for="k in toWalletKinds" :key="k.value" type="button"
                             class="chip" :class="{ active: form.toWalletKind === k.value }"
                             :disabled="submitting" @click="form.toWalletKind = k.value; onToWalletKindChange()">
                       {{ k.label }}
@@ -1197,7 +1200,6 @@ onMounted(async () => {
                     v-if="form.toWalletKind"
                     v-model="form.toWalletId"
                     :options="toWalletOptions"
-                    :cols="2"
                     :disabled="submitting"
                     empty-text="등록된 계좌가 없습니다"
                   />
@@ -1211,7 +1213,6 @@ onMounted(async () => {
                   <ChipSelect
                     v-model="form.toWalletId"
                     :options="repayTargetOptions"
-                    :cols="2"
                     :disabled="submitting"
                     empty-text="등록된 대출/카드가 없습니다"
                   />
diff --git a/src/views/account/RecurringView.vue b/src/views/account/RecurringView.vue
index f5079ce..157f1ba 100644
--- a/src/views/account/RecurringView.vue
+++ b/src/views/account/RecurringView.vue
@@ -315,7 +315,6 @@ onMounted(load)
             v-if="form.walletKind"
             v-model="form.walletId"
             :options="fromWalletOptions"
-            :cols="2"
             :disabled="submitting"
             empty-text="등록된 계좌가 없습니다"
           />
@@ -336,7 +335,6 @@ onMounted(load)
             v-if="form.toWalletKind"
             v-model="form.toWalletId"
             :options="toWalletOptions"
-            :cols="2"
             :disabled="submitting"
             empty-text="등록된 계좌가 없습니다"
           />