diff --git a/src/views/account/AccountView.vue b/src/views/account/AccountView.vue
index 3714551..33ed119 100644
--- a/src/views/account/AccountView.vue
+++ b/src/views/account/AccountView.vue
@@ -687,8 +687,8 @@ onMounted(async () => {
                     </label>
                   </div>
                 </div>
-                <select v-if="form.walletKind && form.walletKind !== 'CASH'" v-model="form.walletId" :disabled="submitting">
-                  <option value="">{{ form.type === 'INCOME' || form.type === 'EXPENSE' ? '계좌/카드 선택' : '출금 계좌 선택' }}</option>
+                <select v-if="form.walletKind && (form.walletKind !== 'CASH' || walletsOfKind.length)" v-model="form.walletId" :disabled="submitting">
+                  <option value="">{{ form.walletKind === 'CASH' ? '현금 (계좌 미지정)' : (form.type === 'INCOME' || form.type === 'EXPENSE' ? '계좌/카드 선택' : '출금 계좌 선택') }}</option>
                   <option v-for="w in walletsOfKind" :key="w.id" :value="w.id">
                     {{ w.name }}{{ w.issuer ? ` (${w.issuer})` : '' }}
                   </option>
diff --git a/src/views/account/AccountWalletView.vue b/src/views/account/AccountWalletView.vue
index d02b471..7fcaf08 100644
--- a/src/views/account/AccountWalletView.vue
+++ b/src/views/account/AccountWalletView.vue
@@ -9,6 +9,7 @@ const router = useRouter()
 
 const TABS = [
   { key: 'BANK', label: '은행계좌' },
+  { key: 'CASH', label: '현금' },
   { key: 'CARD', label: '신용/체크카드' },
   { key: 'LOAN', label: '대출' },
   { key: 'INVEST', label: '투자' },
@@ -195,7 +196,7 @@ function issuerLabel(t) {
   return t === 'BANK' ? '은행명' : t === 'CARD' ? '카드사' : t === 'INVEST' ? '증권사' : '대출기관'
 }
 function openingLabel(t) {
-  return t === 'BANK' ? '초기 잔액' : t === 'CARD' ? '초기 미결제 금액' : t === 'INVEST' ? '투자금(투입원금)' : '대출 잔액(원금)'
+  return t === 'BANK' || t === 'CASH' ? '초기 잔액' : t === 'CARD' ? '초기 미결제 금액' : t === 'INVEST' ? '투자금(투입원금)' : '대출 잔액(원금)'
 }
 // 투자 수익률(%) — 투입원금 대비 평가손익
 function returnPct(w) {
@@ -436,7 +437,7 @@ onBeforeUnmount(() => sortable?.destroy())
 
             <form class="wallet-form" @submit.prevent="submit">
               <label>이름(별칭)<input v-model="form.name" type="text" placeholder="예: 월급통장 / 메인카드 / 신용대출" :disabled="submitting" /></label>
-              <label>{{ issuerLabel(form.type) }}<input v-model="form.issuer" type="text" :disabled="submitting" /></label>
+              <label v-if="form.type !== 'CASH'">{{ issuerLabel(form.type) }}<input v-model="form.issuer" type="text" :disabled="submitting" /></label>
               <label v-if="form.type === 'BANK'">계좌번호<input v-model="form.accountNumber" type="text" placeholder="(선택)" :disabled="submitting" /></label>
               <label v-if="form.type === 'CARD'">카드 종류
                 <select v-model="form.cardType" :disabled="submitting">
diff --git a/src/views/account/RecurringView.vue b/src/views/account/RecurringView.vue
index d9a3f79..397ac9c 100644
--- a/src/views/account/RecurringView.vue
+++ b/src/views/account/RecurringView.vue
@@ -44,6 +44,7 @@ const categoryOptions = computed(() => {
 // 계좌/카드 — 종류(계좌/카드)를 라디오로 고르고, 그 종류만 셀렉트로 노출
 const WALLET_KINDS = [
   { value: 'BANK', label: '계좌' },
+  { value: 'CASH', label: '현금' },
   { value: 'CARD', label: '카드' },
 ]
 const walletsOfKind = computed(() => wallets.value.filter((w) => w.type === form.walletKind))