diff --git a/src/main/java/com/sb/web/account/controller/AccountController.java b/src/main/java/com/sb/web/account/controller/AccountController.java
index 779fe95..ac58ae4 100644
--- a/src/main/java/com/sb/web/account/controller/AccountController.java
+++ b/src/main/java/com/sb/web/account/controller/AccountController.java
@@ -56,7 +56,9 @@ public class AccountController {
     public ResponseEntity<WalletResponse> createWallet(
             @Valid @RequestBody WalletRequest req,
             @RequestAttribute(AuthInterceptor.CURRENT_MEMBER) SessionUser current) {
-        return ResponseEntity.status(HttpStatus.CREATED).body(accountService.createWallet(req, current.getId()));
+        boolean premium = "ADMIN".equals(current.getRole()) || "PREMIUM".equals(current.getPlan());
+        return ResponseEntity.status(HttpStatus.CREATED)
+                .body(accountService.createWallet(req, current.getId(), premium));
     }
 
     @PutMapping("/wallets/{id}")
diff --git a/src/main/java/com/sb/web/account/mapper/WalletMapper.java b/src/main/java/com/sb/web/account/mapper/WalletMapper.java
index ba12c0a..42bdd79 100644
--- a/src/main/java/com/sb/web/account/mapper/WalletMapper.java
+++ b/src/main/java/com/sb/web/account/mapper/WalletMapper.java
@@ -31,4 +31,7 @@ public interface WalletMapper {
 
     /** 해당 타입의 현재 최대 sort_order (신규 계좌를 맨 뒤에 배치) */
     Integer maxSortOrder(@Param("memberId") Long memberId, @Param("type") String type);
+
+    /** 해당 타입의 계좌 개수 (무료 회원 종류별 등록 한도 판정용) */
+    int countByType(@Param("memberId") Long memberId, @Param("type") String type);
 }
diff --git a/src/main/java/com/sb/web/account/service/AccountService.java b/src/main/java/com/sb/web/account/service/AccountService.java
index 1e9107a..0b55296 100644
--- a/src/main/java/com/sb/web/account/service/AccountService.java
+++ b/src/main/java/com/sb/web/account/service/AccountService.java
@@ -556,8 +556,27 @@ public class AccountService {
                 .build();
     }
 
+    // 무료 회원 계좌 등록 한도: 종류(은행·현금·카드·대출·증권·마이너스)별 기본 2개.
+    // 포인트 상점(추후)에서 영구 보너스 슬롯을 구매하면 종류별 최대 5개까지 확장 가능.
+    public static final int FREE_WALLET_BASE_LIMIT = 2;
+    public static final int FREE_WALLET_MAX_LIMIT  = 5;
+
+    /** 무료 회원의 해당 타입 등록 한도 = 기본 2 + 구매한 영구 보너스 슬롯(추후 상점), 최대 5. */
+    private int freeWalletLimit(Long memberId, String type) {
+        int bonus = 0; // TODO: 포인트 상점 구현 시 회원×종류별 구매 슬롯 수를 조회해 더함
+        return Math.min(FREE_WALLET_BASE_LIMIT + bonus, FREE_WALLET_MAX_LIMIT);
+    }
+
     @Transactional
-    public WalletResponse createWallet(WalletRequest req, Long memberId) {
+    public WalletResponse createWallet(WalletRequest req, Long memberId, boolean premium) {
+        // 유료(또는 관리자)는 무제한. 무료는 종류별 한도 검증.
+        if (!premium) {
+            int limit = freeWalletLimit(memberId, req.getType());
+            if (walletMapper.countByType(memberId, req.getType()) >= limit) {
+                throw new ApiException(HttpStatus.BAD_REQUEST,
+                        "무료 회원은 종류별 계좌를 " + limit + "개까지 등록할 수 있어요. 유료로 업그레이드하면 무제한이에요.");
+            }
+        }
         Wallet wallet = toWallet(req);
         wallet.setMemberId(memberId);
         Integer max = walletMapper.maxSortOrder(memberId, req.getType());
diff --git a/src/main/java/com/sb/web/account/service/BackupService.java b/src/main/java/com/sb/web/account/service/BackupService.java
index 94974f8..f32e929 100644
--- a/src/main/java/com/sb/web/account/service/BackupService.java
+++ b/src/main/java/com/sb/web/account/service/BackupService.java
@@ -71,7 +71,8 @@ public class BackupService {
                 wr.setOpeningBalance(w.getOpeningBalance());
                 wr.setOpeningDate(w.getOpeningDate());
                 wr.setCurrentValue(w.getCurrentValue());
-                Long newId = accountService.createWallet(wr, memberId).getId();
+                // 복원은 사용자 본인 데이터 복구이므로 무료 한도(종류별 2개)를 적용하지 않는다.
+                Long newId = accountService.createWallet(wr, memberId, true).getId();
                 if (w.getOldId() != null) walletMap.put(w.getOldId(), newId);
             }
         }
diff --git a/src/main/resources/mapper/WalletMapper.xml b/src/main/resources/mapper/WalletMapper.xml
index a8454de..fae50b2 100644
--- a/src/main/resources/mapper/WalletMapper.xml
+++ b/src/main/resources/mapper/WalletMapper.xml
@@ -97,4 +97,8 @@
         SELECT MAX(sort_order) FROM wallet WHERE member_id = #{memberId} AND type = #{type}
     </select>
 
+    <select id="countByType" resultType="int">
+        SELECT COUNT(*) FROM wallet WHERE member_id = #{memberId} AND type = #{type}
+    </select>
+
 </mapper>