diff --git a/frontend/src/assets/alipay-receive-qr-example.png b/frontend/src/assets/alipay-receive-qr-example.png
new file mode 100644
index 0000000..2b51afd
Binary files /dev/null and b/frontend/src/assets/alipay-receive-qr-example.png differ
diff --git a/frontend/src/features/wallet/components/PaymentAccountDialog.vue b/frontend/src/features/wallet/components/PaymentAccountDialog.vue
index 58ec2ce..e8a9482 100644
--- a/frontend/src/features/wallet/components/PaymentAccountDialog.vue
+++ b/frontend/src/features/wallet/components/PaymentAccountDialog.vue
@@ -1,7 +1,8 @@
 <script setup lang="ts">
-import { ref, watch } from 'vue'
+import { computed, ref, watch } from 'vue'
 import { ElMessage } from 'element-plus'
 import { Upload, Delete, Loading } from '@element-plus/icons-vue'
+import alipayReceiveQrExample from '@/assets/alipay-receive-qr-example.png'
 import wechatReceiveQrExample from '@/assets/wechat-receive-qr-example.png'
 
 import {
@@ -33,6 +34,39 @@ const form = ref<CreatePaymentAccountRequest>({
   bank_branch: '',
   certificate_urls: [],
 })
+const receiveQrTip = computed(() => {
+  if (form.value.account_type === 'alipay') {
+    return {
+      title: '支付宝收款二维码上传提醒',
+      lines: [
+        '请在支付宝收钱码页面保存收钱码，上传保存后的二维码图片。',
+        '不要上传收钱码截图、聊天截图或带页面背景的整屏截图。',
+      ],
+      image: alipayReceiveQrExample,
+      alt: '支付宝收款二维码示例',
+      label: '支付宝收款二维码',
+      hint: '请上传保存后的支付宝收款二维码图片（可选，最多3张）',
+    }
+  }
+  if (form.value.account_type === 'wechat') {
+    return {
+      title: '微信收款二维码上传提醒',
+      lines: [
+        '请在微信收款码页面点击保存收款码，上传保存后的二维码图片。',
+        '不要上传收款码截图、聊天截图或带页面背景的整屏截图。',
+      ],
+      image: wechatReceiveQrExample,
+      alt: '微信收款二维码示例',
+      label: '微信收款二维码',
+      hint: '请上传保存后的微信收款二维码图片（可选，最多3张）',
+    }
+  }
+  return null
+})
+const certificateLabel = computed(() => receiveQrTip.value?.label || '凭证截图')
+const certificateHint = computed(
+  () => receiveQrTip.value?.hint || '可上传收款码截图等凭证（可选，最多3张）'
+)
 
 watch(
   () => props.modelValue,
@@ -196,21 +230,16 @@ function removeImage(index: number) {
         </el-form-item>
       </template>
 
-      <el-form-item :label="form.account_type === 'wechat' ? '收款二维码' : '凭证截图'">
-        <div v-if="form.account_type === 'wechat'" class="wechat-qr-tip">
+      <el-form-item :label="certificateLabel">
+        <div v-if="receiveQrTip" class="receive-qr-tip">
           <div>
-            <strong>微信收款二维码上传提醒</strong>
-            <p>请在微信收款码页面点击保存收款码，上传保存后的二维码图片。</p>
-            <p>不要上传收款码截图、聊天截图或带页面背景的整屏截图。</p>
+            <strong>{{ receiveQrTip.title }}</strong>
+            <p v-for="line in receiveQrTip.lines" :key="line">{{ line }}</p>
           </div>
-          <img :src="wechatReceiveQrExample" alt="微信收款二维码示例" />
+          <img :src="receiveQrTip.image" :alt="receiveQrTip.alt" />
         </div>
         <div style="font-size: 12px; color: #999; margin-bottom: 8px">
-          {{
-            form.account_type === 'wechat'
-              ? '请上传保存后的微信收款二维码图片（可选，最多3张）'
-              : '可上传收款码截图等凭证（可选，最多3张）'
-          }}
+          {{ certificateHint }}
         </div>
         <div class="certificate-upload">
           <div v-for="(url, index) in form.certificate_urls" :key="url" class="certificate-item">
@@ -284,7 +313,7 @@ function removeImage(index: number) {
   gap: 12px;
 }
 
-.wechat-qr-tip {
+.receive-qr-tip {
   display: grid;
   grid-template-columns: minmax(0, 1fr) 128px;
   gap: 12px;
@@ -298,20 +327,20 @@ function removeImage(index: number) {
   color: #92400e;
 }
 
-.wechat-qr-tip strong {
+.receive-qr-tip strong {
   display: block;
   margin-bottom: 6px;
   color: #c2410c;
   font-size: 13px;
 }
 
-.wechat-qr-tip p {
+.receive-qr-tip p {
   margin: 0;
   font-size: 12px;
   line-height: 1.6;
 }
 
-.wechat-qr-tip img {
+.receive-qr-tip img {
   display: block;
   width: 128px;
   border-radius: 8px;
diff --git a/frontend/src/features/wallet/views/MobileWithdrawalView.vue b/frontend/src/features/wallet/views/MobileWithdrawalView.vue
index ffdbc85..c2655b2 100644
--- a/frontend/src/features/wallet/views/MobileWithdrawalView.vue
+++ b/frontend/src/features/wallet/views/MobileWithdrawalView.vue
@@ -7,17 +7,21 @@ import {
   cancelWithdrawal,
   createPaymentAccount,
   createWithdrawal,
+  deletePaymentAccount,
   fetchPaymentAccounts,
   fetchWithdrawals,
+  setDefaultPaymentAccount,
   type AccountType,
   type PaymentAccount,
   type WithdrawalRequest,
+  updatePaymentAccount,
 } from '@/features/wallet/api/withdrawal'
 import { fetchWalletBalance, type WalletAccount } from '@/features/wallet/api/wallet'
 import { uploadFile } from '@/shared/api/files'
 import { readError } from '@/shared/utils/error'
 import { formatCent, formatMoney, yuanToCent } from '@/shared/utils/money'
 import { formatDateMinute } from '@/shared/utils/time'
+import alipayReceiveQrExample from '@/assets/alipay-receive-qr-example.png'
 import wechatReceiveQrExample from '@/assets/wechat-receive-qr-example.png'
 
 const router = useRouter()
@@ -25,11 +29,13 @@ const router = useRouter()
 const loading = ref(false)
 const submitting = ref(false)
 const addingAccount = ref(false)
+const managingAccountId = ref(0)
 const uploadingCertificate = ref(false)
 const showAccountPopup = ref(false)
 const account = ref<WalletAccount | null>(null)
 const paymentAccounts = ref<PaymentAccount[]>([])
 const withdrawals = ref<WithdrawalRequest[]>([])
+const editingAccount = ref<PaymentAccount | null>(null)
 
 const MIN_AMOUNT = 10
 const MAX_AMOUNT = 5000
@@ -51,6 +57,35 @@ const accountForm = reactive({
 const selectedAccount = computed(() =>
   paymentAccounts.value.find(item => item.id === withdrawForm.payment_account_id)
 )
+const canAddMore = computed(() => paymentAccounts.value.length < 5)
+const accountPopupTitle = computed(() => (editingAccount.value ? '管理收款账号' : '添加收款账号'))
+const receiveQrTip = computed(() => {
+  if (accountForm.account_type === 'alipay') {
+    return {
+      title: '支付宝收款二维码上传提醒',
+      lines: [
+        '请在支付宝收钱码页面保存收钱码，上传保存后的二维码图片。',
+        '不要上传收钱码截图、聊天截图或带页面背景的整屏截图。',
+      ],
+      image: alipayReceiveQrExample,
+      alt: '支付宝收款二维码示例',
+      label: '支付宝收款二维码',
+    }
+  }
+  if (accountForm.account_type === 'wechat') {
+    return {
+      title: '微信收款二维码上传提醒',
+      lines: [
+        '请在微信收款码页面点击保存收款码，上传保存后的二维码图片。',
+        '不要上传收款码截图、聊天截图或带页面背景的整屏截图。',
+      ],
+      image: wechatReceiveQrExample,
+      alt: '微信收款二维码示例',
+      label: '微信收款二维码',
+    }
+  }
+  return null
+})
 
 const amountValue = computed(() => Number(withdrawForm.amount || 0))
 const amountCent = computed(() => yuanToCent(amountValue.value))
@@ -144,6 +179,7 @@ async function handleCancel(item: WithdrawalRequest) {
 }
 
 function openAccountPopup() {
+  editingAccount.value = null
   Object.assign(accountForm, {
     account_type: 'alipay' as AccountType,
     account_name: '',
@@ -155,12 +191,25 @@ function openAccountPopup() {
   showAccountPopup.value = true
 }
 
-async function handleAddAccount() {
+function openEditAccountPopup(item: PaymentAccount) {
+  editingAccount.value = item
+  Object.assign(accountForm, {
+    account_type: item.account_type,
+    account_name: item.account_name,
+    account_no: item.account_no,
+    bank_name: item.bank_name || '',
+    bank_branch: item.bank_branch || '',
+    certificate_urls: [...(item.certificate_urls || [])],
+  })
+  showAccountPopup.value = true
+}
+
+async function handleSaveAccount() {
   if (!accountForm.account_name.trim()) {
     showToast({ message: '请输入账户名', icon: 'warning-o' })
     return
   }
-  if (!accountForm.account_no.trim()) {
+  if (!editingAccount.value && !accountForm.account_no.trim()) {
     showToast({
       message: accountForm.account_type === 'bank' ? '请输入银行卡号' : '请输入账号',
       icon: 'warning-o',
@@ -174,25 +223,85 @@ async function handleAddAccount() {
 
   addingAccount.value = true
   try {
-    const created = await createPaymentAccount({
-      account_type: accountForm.account_type,
-      account_name: accountForm.account_name.trim(),
-      account_no: accountForm.account_no.trim(),
-      bank_name: accountForm.account_type === 'bank' ? accountForm.bank_name.trim() : '',
-      bank_branch: accountForm.account_type === 'bank' ? accountForm.bank_branch.trim() : '',
-      certificate_urls: accountForm.certificate_urls,
-    })
-    showToast({ message: '收款账号已添加', icon: 'passed' })
-    showAccountPopup.value = false
-    await loadData()
-    withdrawForm.payment_account_id = created.id
+    if (editingAccount.value) {
+      await updatePaymentAccount(editingAccount.value.id, {
+        bank_branch: accountForm.account_type === 'bank' ? accountForm.bank_branch.trim() : '',
+        certificate_urls: accountForm.certificate_urls,
+      })
+      showToast({ message: '收款账号已更新', icon: 'passed' })
+      showAccountPopup.value = false
+      editingAccount.value = null
+      await loadData()
+    } else {
+      const created = await createPaymentAccount({
+        account_type: accountForm.account_type,
+        account_name: accountForm.account_name.trim(),
+        account_no: accountForm.account_no.trim(),
+        bank_name: accountForm.account_type === 'bank' ? accountForm.bank_name.trim() : '',
+        bank_branch: accountForm.account_type === 'bank' ? accountForm.bank_branch.trim() : '',
+        certificate_urls: accountForm.certificate_urls,
+      })
+      showToast({ message: '收款账号已添加', icon: 'passed' })
+      showAccountPopup.value = false
+      editingAccount.value = null
+      await loadData()
+      withdrawForm.payment_account_id = created.id
+    }
   } catch (error) {
-    showToast({ message: readError(error, '添加失败'), icon: 'cross' })
+    showToast({
+      message: readError(error, editingAccount.value ? '更新失败' : '添加失败'),
+      icon: 'cross',
+    })
   } finally {
     addingAccount.value = false
   }
 }
 
+async function handleSetDefaultAccount(item: PaymentAccount) {
+  if (item.is_default || managingAccountId.value) return
+  managingAccountId.value = item.id
+  try {
+    await setDefaultPaymentAccount(item.id)
+    showToast({ message: '已设为默认账号', icon: 'passed' })
+    withdrawForm.payment_account_id = item.id
+    await loadData()
+  } catch (error) {
+    showToast({ message: readError(error, '设置失败'), icon: 'cross' })
+  } finally {
+    managingAccountId.value = 0
+  }
+}
+
+async function handleDeleteAccount(item: PaymentAccount) {
+  if (managingAccountId.value) return
+  try {
+    await showDialog({
+      title: '删除收款账号',
+      message: `确定删除 ${accountTypeLabel(item.account_type)} · ${item.account_name} 吗？删除后不会影响已提交的提现记录。`,
+      confirmButtonText: '确认删除',
+      cancelButtonText: '取消',
+      showCancelButton: true,
+    })
+  } catch {
+    return
+  }
+
+  managingAccountId.value = item.id
+  try {
+    await deletePaymentAccount(item.id)
+    showToast({ message: '收款账号已删除', icon: 'passed' })
+    if (editingAccount.value?.id === item.id) {
+      showAccountPopup.value = false
+      editingAccount.value = null
+    }
+    await loadData()
+  } catch (error) {
+    showToast({ message: readError(error, '删除失败'), icon: 'cross' })
+  } finally {
+    managingAccountId.value = 0
+  }
+}
+
 async function handleCertificateUpload(event: Event) {
   const input = event.target as HTMLInputElement
   const file = input.files?.[0]
@@ -293,9 +402,9 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
     <section class="withdraw-card">
       <div class="section-title">
         <h2>申请提现</h2>
-        <button type="button" @click="openAccountPopup">
+        <button type="button" :disabled="!canAddMore" @click="openAccountPopup">
           <van-icon name="plus" :size="14" />
-          添加账号
+          {{ canAddMore ? '添加账号' : '已达上限' }}
         </button>
       </div>
 
@@ -311,27 +420,46 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
 
       <template v-else>
         <div class="account-list">
-          <button
+          <article
             v-for="item in paymentAccounts"
             :key="item.id"
-            type="button"
             class="account-option"
             :class="{ active: item.id === withdrawForm.payment_account_id }"
-            @click="selectAccount(item.id)"
           >
-            <span class="account-icon">
-              <van-icon :name="accountTypeIcon(item.account_type)" :size="18" />
-            </span>
-            <span class="account-main">
-              <strong>{{ accountTypeLabel(item.account_type) }} · {{ item.account_name }}</strong>
-              <small>{{ item.account_no }}</small>
-            </span>
-            <van-tag v-if="item.is_default" type="warning" plain>默认</van-tag>
-            <van-icon
-              :name="item.id === withdrawForm.payment_account_id ? 'checked' : 'circle'"
-              :size="18"
-            />
-          </button>
+            <button type="button" class="account-select" @click="selectAccount(item.id)">
+              <span class="account-icon">
+                <van-icon :name="accountTypeIcon(item.account_type)" :size="18" />
+              </span>
+              <span class="account-main">
+                <strong>{{ accountTypeLabel(item.account_type) }} · {{ item.account_name }}</strong>
+                <small>{{ item.account_no }}</small>
+              </span>
+              <van-tag v-if="item.is_default" type="warning" plain>默认</van-tag>
+              <van-icon
+                :name="item.id === withdrawForm.payment_account_id ? 'checked' : 'circle'"
+                :size="18"
+              />
+            </button>
+            <div class="account-actions">
+              <button
+                v-if="!item.is_default"
+                type="button"
+                :disabled="managingAccountId === item.id"
+                @click="handleSetDefaultAccount(item)"
+              >
+                设默认
+              </button>
+              <button type="button" @click="openEditAccountPopup(item)">管理</button>
+              <button
+                type="button"
+                class="danger"
+                :disabled="managingAccountId === item.id"
+                @click="handleDeleteAccount(item)"
+              >
+                删除
+              </button>
+            </div>
+          </article>
         </div>
 
         <van-field
@@ -419,21 +547,22 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
       class="account-popup"
     >
       <div class="popup-body">
-        <h2>添加收款账号</h2>
+        <h2>{{ accountPopupTitle }}</h2>
         <van-radio-group
           v-model="accountForm.account_type"
           direction="horizontal"
           class="type-tabs"
         >
-          <van-radio name="alipay">支付宝</van-radio>
-          <van-radio name="wechat">微信</van-radio>
-          <van-radio name="bank">银行卡</van-radio>
+          <van-radio name="alipay" :disabled="!!editingAccount">支付宝</van-radio>
+          <van-radio name="wechat" :disabled="!!editingAccount">微信</van-radio>
+          <van-radio name="bank" :disabled="!!editingAccount">银行卡</van-radio>
         </van-radio-group>
 
         <van-field
           v-model.trim="accountForm.account_name"
           label="账户名"
           placeholder="必须与实名认证姓名一致"
+          :disabled="!!editingAccount"
           required
         />
         <van-field
@@ -446,6 +575,7 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
                 ? '微信号'
                 : '银行卡号'
           "
+          :disabled="!!editingAccount"
           required
         />
         <template v-if="accountForm.account_type === 'bank'">
@@ -453,6 +583,7 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
             v-model.trim="accountForm.bank_name"
             label="银行名称"
             placeholder="如：中国工商银行"
+            :disabled="!!editingAccount"
             required
           />
           <van-field v-model.trim="accountForm.bank_branch" label="开户支行" placeholder="可选" />
@@ -462,20 +593,17 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
           账户名必须与实名认证姓名一致；提现将转账到该收款账号，请确认账号信息准确。
         </div>
 
-        <div v-if="accountForm.account_type === 'wechat'" class="wechat-qr-tip">
+        <div v-if="receiveQrTip" class="receive-qr-tip">
           <div>
-            <strong>微信收款二维码上传提醒</strong>
-            <p>请在微信收款码页面点击保存收款码，上传保存后的二维码图片。</p>
-            <p>不要上传收款码截图、聊天截图或带页面背景的整屏截图。</p>
+            <strong>{{ receiveQrTip.title }}</strong>
+            <p v-for="line in receiveQrTip.lines" :key="line">{{ line }}</p>
           </div>
-          <img :src="wechatReceiveQrExample" alt="微信收款二维码示例" />
+          <img :src="receiveQrTip.image" :alt="receiveQrTip.alt" />
         </div>
 
         <section class="certificate-section">
           <div class="certificate-title">
-            <span>{{
-              accountForm.account_type === 'wechat' ? '微信收款二维码' : '收款码/凭证截图'
-            }}</span>
+            <span>{{ receiveQrTip?.label || '收款码/凭证截图' }}</span>
             <small>最多3张</small>
           </div>
           <div class="certificate-grid">
@@ -508,10 +636,22 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
           round
           type="primary"
           :loading="addingAccount"
-          loading-text="添加中..."
-          @click="handleAddAccount"
+          :loading-text="editingAccount ? '保存中...' : '添加中...'"
+          @click="handleSaveAccount"
         >
-          保存账号
+          {{ editingAccount ? '保存变更' : '保存账号' }}
+        </van-button>
+        <van-button
+          v-if="editingAccount"
+          block
+          round
+          plain
+          type="danger"
+          class="delete-account-btn"
+          :loading="managingAccountId === editingAccount.id"
+          @click="handleDeleteAccount(editingAccount)"
+        >
+          删除此账号
         </van-button>
       </div>
     </van-popup>
@@ -616,6 +756,10 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   font-size: 13px;
 }
 
+.section-title button:disabled {
+  color: #98a2b3;
+}
+
 .section-title span {
   color: #98a2b3;
   font-size: 12px;
@@ -647,16 +791,11 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
 
 .account-option {
   display: grid;
-  grid-template-columns: 34px 1fr auto 20px;
-  align-items: center;
   gap: 8px;
-  width: 100%;
-  min-height: 64px;
   padding: 10px;
   border: 1px solid #eaecf0;
   border-radius: 8px;
   background: #fff;
-  text-align: left;
 }
 
 .account-option.active {
@@ -664,6 +803,19 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   background: #fff7ed;
 }
 
+.account-select {
+  display: grid;
+  grid-template-columns: 34px 1fr auto 20px;
+  align-items: center;
+  gap: 8px;
+  width: 100%;
+  min-height: 44px;
+  padding: 0;
+  border: 0;
+  background: transparent;
+  text-align: left;
+}
+
 .account-icon {
   display: inline-flex;
   align-items: center;
@@ -697,6 +849,29 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   white-space: nowrap;
 }
 
+.account-actions {
+  display: flex;
+  justify-content: flex-end;
+  gap: 8px;
+  padding-top: 8px;
+  border-top: 1px solid #f2f4f7;
+}
+
+.account-actions button {
+  border: 0;
+  background: transparent;
+  color: #ff6a00;
+  font-size: 12px;
+}
+
+.account-actions button.danger {
+  color: #b42318;
+}
+
+.account-actions button:disabled {
+  color: #98a2b3;
+}
+
 :deep(.van-cell) {
   padding-right: 0;
   padding-left: 0;
@@ -800,6 +975,10 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   color: #101828;
 }
 
+.delete-account-btn {
+  margin-top: 10px;
+}
+
 .type-tabs {
   margin-bottom: 12px;
 }
@@ -819,7 +998,7 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   line-height: 1.6;
 }
 
-.wechat-qr-tip {
+.receive-qr-tip {
   display: grid;
   grid-template-columns: minmax(0, 1fr) 108px;
   gap: 10px;
@@ -832,20 +1011,20 @@ function statusType(status: string): 'primary' | 'success' | 'danger' | 'warning
   color: #92400e;
 }
 
-.wechat-qr-tip strong {
+.receive-qr-tip strong {
   display: block;
   margin-bottom: 5px;
   color: #c2410c;
   font-size: 13px;
 }
 
-.wechat-qr-tip p {
+.receive-qr-tip p {
   margin: 0;
   font-size: 12px;
   line-height: 1.55;
 }
 
-.wechat-qr-tip img {
+.receive-qr-tip img {
   display: block;
   width: 108px;
   border: 1px solid #fde6c8;