diff --git a/src/pages/Settings/Settings.tsx b/src/pages/Settings/Settings.tsx
index c79aaa3..5e9ef5d 100644
--- a/src/pages/Settings/Settings.tsx
+++ b/src/pages/Settings/Settings.tsx
@@ -5,10 +5,9 @@ import AppLockSettings from '../../components/settings/AppLockSettings';
 import { CapsuleSelector } from '../../components/common/CapsuleSelector/CapsuleSelector';
 import { CustomSelect } from '../../components/common/CustomSelect/CustomSelect';
 import { getSupportedCurrencies } from '../../services/exchangeRateService';
-import { getSupportedCurrencies } from '../../services/exchangeRateService';
-import { getSettings, updateSettings, updateDefaultAccounts } from '../../services/settingsService';
+import { updateSettings, updateDefaultAccounts, getSettingsWithDefaults } from '../../services/settingsService';
 import { getAccounts } from '../../services/accountService';
-import type { UserSettings, Account } from '../../types';
+import type { UserSettings, UserSettingsWithDefaults, Account } from '../../types';
 import { Icon } from '@iconify/react';
 import { ThemePicker } from '../../components/settings/ThemePicker/ThemePicker';
 import './Settings.css';
@@ -39,7 +38,7 @@ function Settings() {
     dateFormat: localStorage.getItem('dateFormat') || 'YYYY-MM-DD',
     firstDayOfWeek: parseInt(localStorage.getItem('firstDayOfWeek') || '1'),
   });
-  const [userSettings, setUserSettings] = useState<UserSettings | null>(null);
+  const [userSettings, setUserSettings] = useState<UserSettingsWithDefaults | null>(null);
   const [accounts, setAccounts] = useState<Account[]>([]);
   const [saveMessage, setSaveMessage] = useState<string>('');
 
@@ -55,7 +54,7 @@ function Settings() {
 
   const loadUserSettings = async () => {
     try {
-      const data = await getSettings();
+      const data = await getSettingsWithDefaults();
       setUserSettings(data);
     } catch (err) {
       console.error('Failed to load user settings:', err);