diff --git a/src/views/account/AccountWalletView.vue b/src/views/account/AccountWalletView.vue
index 1a84642..960987e 100644
--- a/src/views/account/AccountWalletView.vue
+++ b/src/views/account/AccountWalletView.vue
@@ -1,12 +1,14 @@
 <script setup>
-import { onBeforeUnmount, onMounted, reactive, ref, watch, nextTick } from 'vue'
+import { computed, onBeforeUnmount, onMounted, reactive, ref, watch, nextTick } from 'vue'
 import Sortable from 'sortablejs'
 import { accountApi } from '@/api/accountApi'
 import { useDialog } from '@/composables/dialog'
+import { useAuthStore } from '@/stores/auth'
 import IconBtn from '@/components/ui/IconBtn.vue'
 import AppModal from '@/components/ui/AppModal.vue'
 
 const dialog = useDialog()
+const auth = useAuthStore()
 
 const TABS = [
   { key: 'BANK', label: '은행계좌' },
@@ -32,6 +34,13 @@ const networth = ref({ totalAssets: 0, totalLiabilities: 0, netWorth: 0 })
 const loading = ref(false)
 const error = ref(null)
 const activeType = ref('BANK')
+// 무료 회원 계좌 등록 한도: 종류별 2개(유료 무제한). 백엔드에서도 강제.
+const FREE_WALLET_LIMIT = 2
+const atWalletLimit = computed(
+  () =>
+    !auth.isPremium &&
+    wallets.value.filter((w) => w.type === activeType.value).length >= FREE_WALLET_LIMIT,
+)
 
 const formOpen = ref(false)
 const editId = ref(null)
@@ -241,6 +250,13 @@ async function load() {
 }
 
 function openCreate() {
+  if (atWalletLimit.value) {
+    dialog.alert(
+      `무료 회원은 종류별 계좌를 ${FREE_WALLET_LIMIT}개까지 등록할 수 있어요. 유료로 업그레이드하면 무제한이에요.`,
+      { title: '등록 한도' },
+    )
+    return
+  }
   editId.value = null
   Object.assign(form, {
     type: activeType.value,
@@ -376,9 +392,10 @@ onBeforeUnmount(() => sortable?.destroy())
           @click="selectTab(t.key)"
         >{{ t.label }}</button>
       </div>
-      <IconBtn class="tab-add" icon="plus" title="추가" variant="primary" @click="openCreate" />
+      <IconBtn class="tab-add" icon="plus" title="추가" variant="primary" :disabled="atWalletLimit" @click="openCreate" />
     </div>
 
+    <p v-if="atWalletLimit" class="msg wallet-limit">무료 회원은 종류별 계좌를 {{ FREE_WALLET_LIMIT }}개까지 등록할 수 있어요 · 유료는 무제한</p>
     <p v-if="error" class="msg error">{{ error }}</p>
     <p v-if="loading" class="msg">불러오는 중...</p>
 
@@ -905,6 +922,10 @@ button.primary {
 .msg.error {
   color: #c0392b;
 }
+.msg.wallet-limit {
+  color: #b8860b;
+  font-size: 0.85rem;
+}
 
 .wallet-form {
   display: flex;