diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index f69d0c1..e0adf2d 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -121,6 +121,8 @@ function onCurrencyChange() {
     form.rate = null
   }
 }
+// 계좌/카드 (repayTargetIsCard·repayTargetLoanWallet computed가 참조하므로 먼저 선언)
+const wallets = ref([])
 const isRepayment = computed(() => form.type === 'REPAYMENT')
 // 상환 대상이 카드면 연회비 입력 노출(대출은 연회비 없음)
 const repayTargetIsCard = computed(() => {
@@ -278,7 +280,6 @@ async function runOcr(image) {
 }
 
 // 계좌/카드
-const wallets = ref([])
 async function loadWallets() {
   try {
     wallets.value = await accountApi.wallets()