diff --git a/src/pages/Settings/Settings.tsx b/src/pages/Settings/Settings.tsx
index 1d14f87..c79aaa3 100644
--- a/src/pages/Settings/Settings.tsx
+++ b/src/pages/Settings/Settings.tsx
@@ -5,8 +5,10 @@ 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 { getSettings, updateSettings } from '../../services/settingsService';
-import type { UserSettings } from '../../types';
+import { getSupportedCurrencies } from '../../services/exchangeRateService';
+import { getSettings, updateSettings, updateDefaultAccounts } from '../../services/settingsService';
+import { getAccounts } from '../../services/accountService';
+import type { UserSettings, Account } from '../../types';
 import { Icon } from '@iconify/react';
 import { ThemePicker } from '../../components/settings/ThemePicker/ThemePicker';
 import './Settings.css';
@@ -38,6 +40,7 @@ function Settings() {
     firstDayOfWeek: parseInt(localStorage.getItem('firstDayOfWeek') || '1'),
   });
   const [userSettings, setUserSettings] = useState<UserSettings | null>(null);
+  const [accounts, setAccounts] = useState<Account[]>([]);
   const [saveMessage, setSaveMessage] = useState<string>('');
 
   const currencies = getSupportedCurrencies();
@@ -45,6 +48,7 @@ function Settings() {
   useEffect(() => {
     // Load user settings
     loadUserSettings();
+    loadAccounts();
     // Sync settings state with global theme mode
     setSettings(prev => ({ ...prev, theme: themeMode }));
   }, [themeMode]);
@@ -58,6 +62,15 @@ function Settings() {
     }
   };
 
+  const loadAccounts = async () => {
+    try {
+      const data = await getAccounts();
+      setAccounts(data);
+    } catch (err) {
+      console.error('Failed to load accounts:', err);
+    }
+  };
+
   const handleUserSettingChange = async (key: keyof UserSettings, value: any) => {
     if (!userSettings) return;
 
@@ -74,6 +87,38 @@ function Settings() {
     }
   };
 
+  const handleDefaultAccountChange = async (key: 'defaultExpenseAccountId' | 'defaultIncomeAccountId', value: number) => {
+    if (!userSettings) return;
+
+    try {
+      const updateData = {
+        [key]: value
+      };
+      await updateDefaultAccounts(updateData);
+
+      // Update local state
+      let updatedSettings = { ...userSettings };
+      if (key === 'defaultExpenseAccountId') {
+        updatedSettings.defaultExpenseAccountId = value;
+        // Update the related object for immediate UI feedback if needed
+        const account = accounts.find(a => a.id === value);
+        if (account) updatedSettings.defaultExpenseAccount = account;
+      } else {
+        updatedSettings.defaultIncomeAccountId = value;
+        const account = accounts.find(a => a.id === value);
+        if (account) updatedSettings.defaultIncomeAccount = account;
+      }
+
+      setUserSettings(updatedSettings);
+      setSaveMessage('默认账户已更新');
+      setTimeout(() => setSaveMessage(''), 2000);
+    } catch (err) {
+      console.error('Failed to update default account:', err);
+      setSaveMessage('更新失败');
+      setTimeout(() => setSaveMessage(''), 2000);
+    }
+  };
+
 
 
 
@@ -276,6 +321,48 @@ function Settings() {
               <div className="settings-group">
                 <h3>记账设置</h3>
 
+                <div className="settings-item">
+                  <div className="settings-item-info">
+                    <label className="settings-item__label">默认支出账户</label>
+                    <p className="settings-item__description">AI 记账和快捷记账时的默认扣款账户</p>
+                  </div>
+                  <CustomSelect
+                    className="settings-custom-select"
+                    value={userSettings?.defaultExpenseAccountId || ''}
+                    onChange={(value) => handleDefaultAccountChange('defaultExpenseAccountId', Number(value))}
+                    options={[
+                      { value: '', label: '不设置' },
+                      ...accounts
+                        .filter(a => a.type !== 'credit_card' && a.type !== 'credit_line' ? true : true) // Show all for now, maybe filter logic later
+                        .map(account => ({
+                          value: account.id,
+                          label: account.name
+                        }))
+                    ]}
+                  />
+                </div>
+
+                <div className="settings-item">
+                  <div className="settings-item-info">
+                    <label className="settings-item__label">默认收入账户</label>
+                    <p className="settings-item__description">记录收入时的默认入账账户</p>
+                  </div>
+                  <CustomSelect
+                    className="settings-custom-select"
+                    value={userSettings?.defaultIncomeAccountId || ''}
+                    onChange={(value) => handleDefaultAccountChange('defaultIncomeAccountId', Number(value))}
+                    options={[
+                      { value: '', label: '不设置' },
+                      ...accounts
+                        //.filter(a => a.accountType === 'asset') // Typically income goes to assets
+                        .map(account => ({
+                          value: account.id,
+                          label: account.name
+                        }))
+                    ]}
+                  />
+                </div>
+
                 <div className="settings-item">
                   <div className="settings-item-info">
                     <label className="settings-item__label">精确记账时间</label>