diff --git a/video-gen-api/app/api/v1/__init__.py b/video-gen-api/app/api/v1/__init__.py
index f47470d4..1df58b3b 100644
--- a/video-gen-api/app/api/v1/__init__.py
+++ b/video-gen-api/app/api/v1/__init__.py
@@ -1,6 +1,7 @@
 from fastapi import APIRouter
 
 from app.api.v1.auth import router as auth_router
+from app.api.v1.bank import router as bank_router
 from app.api.v1.projects import router as projects_router
 from app.api.v1.generation import router as generation_router
 from app.api.v1.credits import router as credits_router
@@ -41,6 +42,7 @@ from app.api.v1.invoice_headers import router as invoice_headers_router
 
 api_router = APIRouter()
 api_router.include_router(auth_router)
+api_router.include_router(bank_router)
 api_router.include_router(projects_router)
 api_router.include_router(generation_router)
 api_router.include_router(credits_router)
diff --git a/video-gen-api/app/api/v1/bank.py b/video-gen-api/app/api/v1/bank.py
new file mode 100644
index 00000000..8e9ab343
--- /dev/null
+++ b/video-gen-api/app/api/v1/bank.py
@@ -0,0 +1,83 @@
+"""银行账户前端查询接口。"""
+
+from fastapi import APIRouter, Depends
+from sqlalchemy import select
+from sqlalchemy.ext.asyncio import AsyncSession
+
+from app.dependencies import get_current_user, get_db
+from app.models.bank_account import BankAccount
+from app.models.user import User
+
+router = APIRouter(prefix="/bank", tags=["bank"])
+
+
+@router.get("/default-account")
+async def get_default_account(
+    current_user: User = Depends(get_current_user),
+    db: AsyncSession = Depends(get_db),
+):
+    """获取默认银行账户信息（前端展示用）。
+
+    优先返回标记为默认的启用账户；如果没有默认账户，返回第一个启用账户。
+    """
+    # 先查默认账户
+    result = await db.execute(
+        select(BankAccount).where(
+            BankAccount.is_active.is_(True),
+            BankAccount.is_default.is_(True),
+        )
+    )
+    account = result.scalar_one_or_none()
+
+    # 没有默认账户则取第一个启用账户
+    if account is None:
+        result = await db.execute(
+            select(BankAccount).where(
+                BankAccount.is_active.is_(True),
+            ).order_by(BankAccount.created_at.asc())
+        )
+        account = result.scalar_one_or_none()
+
+    if account is None:
+        return {
+            "has_account": False,
+            "account": None,
+        }
+
+    return {
+        "has_account": True,
+        "account": {
+            "id": account.id,
+            "accountName": account.account_name,
+            "bankName": account.bank_name,
+            "accountNo": account.account_no,
+            "description": account.description,
+        },
+    }
+
+
+@router.get("/accounts")
+async def list_active_accounts(
+    current_user: User = Depends(get_current_user),
+    db: AsyncSession = Depends(get_db),
+):
+    """获取所有启用的银行账户列表（前端展示用）。"""
+    result = await db.execute(
+        select(BankAccount).where(
+            BankAccount.is_active.is_(True),
+        ).order_by(BankAccount.is_default.desc(), BankAccount.created_at.asc())
+    )
+    accounts = result.scalars().all()
+    return {
+        "items": [
+            {
+                "id": a.id,
+                "accountName": a.account_name,
+                "bankName": a.bank_name,
+                "accountNo": a.account_no,
+                "isDefault": a.is_default,
+                "description": a.description,
+            }
+            for a in accounts
+        ]
+    }