diff --git a/src/main/java/com/sb/web/account/mapper/AccountEntryMapper.java b/src/main/java/com/sb/web/account/mapper/AccountEntryMapper.java
index c158f98..426a4ea 100644
--- a/src/main/java/com/sb/web/account/mapper/AccountEntryMapper.java
+++ b/src/main/java/com/sb/web/account/mapper/AccountEntryMapper.java
@@ -66,6 +66,11 @@ public interface AccountEntryMapper {
     /** 미확인(확인 필요) 내역 개수 */
     int countPending(@Param("memberId") Long memberId);
 
+    /** 자동인식 분류 학습: 같은 메모 키워드로 과거에 가장 많이 쓴 분류 1건(없으면 null) */
+    String findLearnedCategory(@Param("memberId") Long memberId,
+                               @Param("type") String type,
+                               @Param("memo") String memo);
+
     /** 미확인 내역 확정 (pending=0, 분류/계좌 보정) */
     int confirm(@Param("id") Long id, @Param("memberId") Long memberId,
                 @Param("category") String category, @Param("walletId") Long walletId);
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 c5ec16a..6763adf 100644
--- a/src/main/java/com/sb/web/account/service/AccountService.java
+++ b/src/main/java/com/sb/web/account/service/AccountService.java
@@ -231,13 +231,20 @@ public class AccountService {
         String walletType = p.isBankTransfer() ? "BANK" : "CARD";
         Long walletId = matchWalletId(p.getIssuer(), memberId, walletType);
 
+        // 분류 자동학습: 같은 메모(가맹점) 키워드로 과거에 확정한 분류가 있으면 그대로 채워준다.
+        String type = p.isIncome() ? "INCOME" : "EXPENSE";
+        String merchant = p.getMerchant();
+        String learnedCategory = (merchant != null && !merchant.isBlank())
+                ? mapper.findLearnedCategory(memberId, type, merchant)
+                : null;
+
         AccountEntry entry = AccountEntry.builder()
                 .memberId(memberId)
                 .entryDate(p.getDate() != null ? p.getDate() : java.time.LocalDate.now())
-                .type(p.isIncome() ? "INCOME" : "EXPENSE")
-                .category(null)
+                .type(type)
+                .category(learnedCategory)
                 .amount(p.getAmount())
-                .memo(p.getMerchant())
+                .memo(merchant)
                 .walletId(walletId)
                 .toWalletId(null)
                 .installmentMonths(null)
diff --git a/src/main/resources/mapper/AccountEntryMapper.xml b/src/main/resources/mapper/AccountEntryMapper.xml
index 5317807..459488a 100644
--- a/src/main/resources/mapper/AccountEntryMapper.xml
+++ b/src/main/resources/mapper/AccountEntryMapper.xml
@@ -160,6 +160,24 @@
         SELECT COUNT(*) FROM account_entry WHERE member_id = #{memberId} AND pending = 1
     </select>
 
+    <!-- 자동인식 분류 학습: 같은 메모 키워드로 과거에 확정된 분류 중 가장 많이 쓴 1건.
+         메모가 서로 포함관계여도(예: '스타벅스' ↔ '스타벅스 강남점') 매칭. -->
+    <select id="findLearnedCategory" resultType="string">
+        SELECT category
+        FROM account_entry
+        WHERE member_id = #{memberId}
+          AND type = #{type}
+          AND pending = 0
+          AND category IS NOT NULL AND category != ''
+          AND memo IS NOT NULL AND memo != ''
+          AND (memo = #{memo}
+               OR memo LIKE CONCAT('%', #{memo}, '%')
+               OR #{memo} LIKE CONCAT('%', memo, '%'))
+        GROUP BY category
+        ORDER BY COUNT(*) DESC, MAX(entry_date) DESC, MAX(id) DESC
+        LIMIT 1
+    </select>
+
     <update id="confirm">
         UPDATE account_entry
         SET pending = 0,