diff --git a/apps/business/src/components/InvoiceDraftFields.module.css b/apps/business/src/components/InvoiceDraftFields.module.css
index 97ba33a..14cf0ff 100644
--- a/apps/business/src/components/InvoiceDraftFields.module.css
+++ b/apps/business/src/components/InvoiceDraftFields.module.css
@@ -135,6 +135,15 @@
   justify-content: space-between;
   gap: 12px;
   margin-bottom: 10px;
+  flex-wrap: wrap;
+}
+
+.blockHeaderActions {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+  justify-content: flex-end;
 }
 
 .blockTitle {
diff --git a/apps/business/src/components/InvoiceDraftFields.tsx b/apps/business/src/components/InvoiceDraftFields.tsx
index e1a5c07..7afe935 100644
--- a/apps/business/src/components/InvoiceDraftFields.tsx
+++ b/apps/business/src/components/InvoiceDraftFields.tsx
@@ -1,10 +1,11 @@
 import { Pencil, Plus, X } from 'lucide-react'
 import type { ReactNode } from 'react'
 import { useT } from '../i18n/useT'
-import type { InvoiceItemTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate } from '../types/invoice'
 import { formatIrtInput } from '../utils/irtPrice'
 import type { DraftAccount, DraftKeyPoint, DraftLineItem, DraftPaymentMethod } from '../utils/invoiceDraft'
 import {
+  draftAccountFromAccountTemplate,
   draftItemFromItemTemplate,
   emptyDraftAccount,
   emptyDraftItem,
@@ -28,34 +29,42 @@ function focusPaymentMethodInput(index: number) {
 
 type Props = {
   itemTemplates: InvoiceItemTemplate[]
+  accountTemplates: InvoiceAccountTemplate[]
   items: DraftLineItem[]
   keyPoints: DraftKeyPoint[]
   paymentMethods: DraftPaymentMethod[]
   accounts: DraftAccount[]
   selectedItemTemplateId: string
   onSelectedItemTemplateId: (id: string) => void
+  selectedAccountTemplateId: string
+  onSelectedAccountTemplateId: (id: string) => void
   onItemsChange: (items: DraftLineItem[]) => void
   onKeyPointsChange: (points: DraftKeyPoint[]) => void
   onPaymentMethodsChange: (methods: DraftPaymentMethod[]) => void
   onAccountsChange: (accounts: DraftAccount[]) => void
   showItemTemplatePicker?: boolean
+  showAccountTemplatePicker?: boolean
   /** Rendered after line items (before key points / accounts), e.g. totals row. */
   afterItems?: ReactNode
 }
 
 export function InvoiceDraftFields({
   itemTemplates,
+  accountTemplates,
   items,
   keyPoints,
   paymentMethods,
   accounts,
   selectedItemTemplateId,
   onSelectedItemTemplateId,
+  selectedAccountTemplateId,
+  onSelectedAccountTemplateId,
   onItemsChange,
   onKeyPointsChange,
   onPaymentMethodsChange,
   onAccountsChange,
   showItemTemplatePicker = true,
+  showAccountTemplatePicker = true,
   afterItems,
 }: Props) {
   const t = useT()
@@ -81,6 +90,13 @@ export function InvoiceDraftFields({
     onSelectedItemTemplateId('')
   }
 
+  function addFromAccountTemplate() {
+    const template = accountTemplates.find((entry) => entry.id === selectedAccountTemplateId)
+    if (!template) return
+    onAccountsChange([...accounts, draftAccountFromAccountTemplate(template)])
+    onSelectedAccountTemplateId('')
+  }
+
   return (
     <>
       <div className={styles.itemsStack}>
@@ -323,14 +339,44 @@ export function InvoiceDraftFields({
       <div className={styles.blockSection}>
         <div className={styles.blockHeader}>
           <h4 className={styles.blockTitle}>{t('invoiceDraft.accounts')}</h4>
-          <button
-            type="button"
-            className={`${formStyles.btn} ${formStyles.btnGhost}`}
-            onClick={() => onAccountsChange([...accounts, emptyDraftAccount()])}
-          >
-            <Plus size={16} />
-            {t('invoiceDraft.addAccount')}
-          </button>
+          <div className={styles.blockHeaderActions}>
+            {showAccountTemplatePicker ? (
+              <div className={styles.itemActionsLeft}>
+                <select
+                  id="account-template-pick"
+                  className={styles.compactSelect}
+                  value={selectedAccountTemplateId}
+                  onChange={(e) => onSelectedAccountTemplateId(e.target.value)}
+                  aria-label={t('invoiceDraft.addFromAccountTemplateAria')}
+                >
+                  <option value="">{t('invoiceDraft.addFromAccountTemplate')}</option>
+                  {accountTemplates.map((template) => (
+                    <option key={template.id} value={template.id}>
+                      {template.bankName}
+                      {template.accountHolderName ? ` — ${template.accountHolderName}` : ''}
+                    </option>
+                  ))}
+                </select>
+                <button
+                  type="button"
+                  className={`${formStyles.btn} ${formStyles.btnGhost} ${styles.compactBtn}`}
+                  onClick={addFromAccountTemplate}
+                  disabled={!selectedAccountTemplateId}
+                >
+                  <Plus size={14} />
+                  {t('invoiceDraft.add')}
+                </button>
+              </div>
+            ) : null}
+            <button
+              type="button"
+              className={`${formStyles.btn} ${formStyles.btnGhost}`}
+              onClick={() => onAccountsChange([...accounts, emptyDraftAccount()])}
+            >
+              <Plus size={16} />
+              {t('invoiceDraft.addAccount')}
+            </button>
+          </div>
         </div>
         {accounts.length === 0 ? (
           <p className={styles.templateHint}>{t('invoiceDraft.noAccounts')}</p>
diff --git a/apps/business/src/i18n/messages.ts b/apps/business/src/i18n/messages.ts
index 91c4650..91cb260 100644
--- a/apps/business/src/i18n/messages.ts
+++ b/apps/business/src/i18n/messages.ts
@@ -2417,6 +2417,8 @@ const en = {
   'invoiceDraft.fieldDescriptionPlaceholder': 'Optional details',
   'invoiceDraft.addFromTemplate': 'Add from template…',
   'invoiceDraft.addFromTemplateAria': 'Add from item template',
+  'invoiceDraft.addFromAccountTemplate': 'Add from account template…',
+  'invoiceDraft.addFromAccountTemplateAria': 'Add from bank account template',
   'invoiceDraft.add': 'Add',
   'invoiceDraft.addCustomItem': 'Add custom item',
   'invoiceDraft.keyPoints': 'Key points',
@@ -2444,7 +2446,7 @@ const en = {
   'invoiceDraft.error.itemDiscountInvalid': 'Discounted price is invalid for "{title}".',
   'invoiceDraft.error.itemDiscountExceeds': 'Discounted price cannot exceed price for "{title}".',
 
-  'invoiceTemplates.subtitle': 'Manage reusable invoice templates and predefined line items.',
+  'invoiceTemplates.subtitle': 'Manage reusable invoice templates, line items, and bank accounts.',
   'invoiceTemplates.section.templates.title': 'Invoice templates',
   'invoiceTemplates.section.templates.desc':
     'Full blueprints for faster issuing — pick one and edit, or start blank.',
@@ -2471,29 +2473,57 @@ const en = {
   'invoiceTemplates.col.price': 'Price',
   'invoiceTemplates.col.discounted': 'Discounted',
   'invoiceTemplates.emptyItems': 'You have not added any predefined items yet.',
+  'invoiceTemplates.section.accounts.title': 'Bank account templates',
+  'invoiceTemplates.section.accounts.desc':
+    'Reusable bank accounts you can drop into invoice templates or when issuing an invoice.',
+  'invoiceTemplates.addAccount': 'Add account',
+  'invoiceTemplates.countAccountsOne': '{count} account',
+  'invoiceTemplates.countAccountsMany': '{count} accounts',
+  'invoiceTemplates.col.bankName': 'Bank',
+  'invoiceTemplates.col.accountHolder': 'Account holder',
+  'invoiceTemplates.col.cardNumber': 'Card number',
+  'invoiceTemplates.col.iban': 'IBAN',
+  'invoiceTemplates.emptyAccounts': 'You have not added any bank account templates yet.',
   'invoiceTemplates.editTemplate': 'Edit',
   'invoiceTemplates.removeTemplate': 'Remove',
   'invoiceTemplates.editItem': 'Edit',
   'invoiceTemplates.removeItem': 'Remove',
+  'invoiceTemplates.editAccount': 'Edit',
+  'invoiceTemplates.removeAccount': 'Remove',
   'invoiceTemplates.deleteTemplateTitle': 'Remove invoice template',
   'invoiceTemplates.deleteTemplateMessage': 'Remove "{name}" from invoice templates?',
   'invoiceTemplates.deleteItemTitle': 'Remove item template',
   'invoiceTemplates.deleteItemMessage': 'Remove "{title}" from predefined line items?',
+  'invoiceTemplates.deleteAccountTitle': 'Remove bank account template',
+  'invoiceTemplates.deleteAccountMessage': 'Remove "{name}" from bank account templates?',
   'invoiceTemplates.itemModalAddTitle': 'Add item template',
   'invoiceTemplates.itemModalEditTitle': 'Edit item template',
+  'invoiceTemplates.accountModalAddTitle': 'Add bank account template',
+  'invoiceTemplates.accountModalEditTitle': 'Edit bank account template',
   'invoiceTemplates.itemUpdated': 'Item template updated.',
   'invoiceTemplates.itemCreated': 'Item template created.',
   'invoiceTemplates.itemRemoved': 'Item template removed.',
+  'invoiceTemplates.accountUpdated': 'Bank account template updated.',
+  'invoiceTemplates.accountCreated': 'Bank account template created.',
+  'invoiceTemplates.accountRemoved': 'Bank account template removed.',
   'invoiceTemplates.templateRemoved': 'Invoice template removed.',
   'invoiceTemplates.loadError': 'Unable to load invoice settings.',
   'invoiceTemplates.itemSaveError': 'Unable to save item template.',
   'invoiceTemplates.itemRemoveError': 'Unable to remove item.',
+  'invoiceTemplates.accountSaveError': 'Unable to save bank account template.',
+  'invoiceTemplates.accountRemoveError': 'Unable to remove bank account.',
+  'invoiceTemplates.accountBankRequired': 'Bank name is required.',
   'invoiceTemplates.templateRemoveError': 'Unable to remove template.',
   'invoiceTemplates.saveItem': 'Save changes',
   'invoiceTemplates.savingItem': 'Saving…',
   'invoiceTemplates.createItem': 'Create item',
+  'invoiceTemplates.saveAccount': 'Save changes',
+  'invoiceTemplates.savingAccount': 'Saving…',
+  'invoiceTemplates.createAccount': 'Create account',
   'invoiceTemplates.cancel': 'Cancel',
   'invoiceTemplates.hint': 'Tip: issue an invoice from the Invoices page using a template or from scratch.',
+  'invoiceTemplates.expandSection': 'Show list',
+  'invoiceTemplates.collapseSection': 'Hide list',
 
   'invoiceTemplateEditor.addTitle': 'Add invoice template',
   'invoiceTemplateEditor.editTitle': 'Edit invoice template',
@@ -5043,6 +5073,8 @@ const fa: Record<MessageKey, string> = {
   'invoiceDraft.fieldDescriptionPlaceholder': 'جزئیات اختیاری',
   'invoiceDraft.addFromTemplate': 'افزودن از قالب...',
   'invoiceDraft.addFromTemplateAria': 'افزودن از قالب آیتم',
+  'invoiceDraft.addFromAccountTemplate': 'افزودن از قالب حساب...',
+  'invoiceDraft.addFromAccountTemplateAria': 'افزودن از قالب حساب بانکی',
   'invoiceDraft.add': 'افزودن',
   'invoiceDraft.addCustomItem': 'افزودن آیتم سفارشی',
   'invoiceDraft.keyPoints': 'نکات کلیدی',
@@ -5070,7 +5102,7 @@ const fa: Record<MessageKey, string> = {
   'invoiceDraft.error.itemDiscountInvalid': 'قیمت با تخفیف برای «{title}» نامعتبر است.',
   'invoiceDraft.error.itemDiscountExceeds': 'قیمت با تخفیف نمی‌تواند از قیمت اصلی «{title}» بیشتر باشد.',
 
-  'invoiceTemplates.subtitle': 'قالب‌های فاکتور و آیتم‌های از پیش تعریف‌شده را مدیریت کنید.',
+  'invoiceTemplates.subtitle': 'قالب‌های فاکتور، آیتم‌ها و حساب‌های بانکی را مدیریت کنید.',
   'invoiceTemplates.section.templates.title': 'قالب‌های فاکتور',
   'invoiceTemplates.section.templates.desc':
     'الگوهای کامل برای صدور سریع‌تر فاکتور — یکی را انتخاب کنید یا از خالی شروع کنید.',
@@ -5097,29 +5129,57 @@ const fa: Record<MessageKey, string> = {
   'invoiceTemplates.col.price': 'قیمت',
   'invoiceTemplates.col.discounted': 'با تخفیف',
   'invoiceTemplates.emptyItems': 'هنوز آیتم از پیش تعریف‌شده‌ای ثبت نکرده‌اید.',
+  'invoiceTemplates.section.accounts.title': 'قالب‌های حساب بانکی',
+  'invoiceTemplates.section.accounts.desc':
+    'حساب‌های بانکی قابل استفاده مجدد که می‌توانید در قالب‌های فاکتور یا هنگام صدور فاکتور استفاده کنید.',
+  'invoiceTemplates.addAccount': 'افزودن حساب',
+  'invoiceTemplates.countAccountsOne': '{count} حساب',
+  'invoiceTemplates.countAccountsMany': '{count} حساب',
+  'invoiceTemplates.col.bankName': 'بانک',
+  'invoiceTemplates.col.accountHolder': 'صاحب حساب',
+  'invoiceTemplates.col.cardNumber': 'شماره کارت',
+  'invoiceTemplates.col.iban': 'شبا',
+  'invoiceTemplates.emptyAccounts': 'هنوز قالب حساب بانکی ثبت نکرده‌اید.',
   'invoiceTemplates.editTemplate': 'ویرایش',
   'invoiceTemplates.removeTemplate': 'حذف',
   'invoiceTemplates.editItem': 'ویرایش',
   'invoiceTemplates.removeItem': 'حذف',
+  'invoiceTemplates.editAccount': 'ویرایش',
+  'invoiceTemplates.removeAccount': 'حذف',
   'invoiceTemplates.deleteTemplateTitle': 'حذف قالب فاکتور',
   'invoiceTemplates.deleteTemplateMessage': '«{name}» از قالب‌های فاکتور حذف شود؟',
   'invoiceTemplates.deleteItemTitle': 'حذف قالب آیتم',
   'invoiceTemplates.deleteItemMessage': '«{title}» از آیتم‌های از پیش تعریف‌شده حذف شود؟',
+  'invoiceTemplates.deleteAccountTitle': 'حذف قالب حساب بانکی',
+  'invoiceTemplates.deleteAccountMessage': '«{name}» از قالب‌های حساب بانکی حذف شود؟',
   'invoiceTemplates.itemModalAddTitle': 'افزودن قالب آیتم',
   'invoiceTemplates.itemModalEditTitle': 'ویرایش قالب آیتم',
+  'invoiceTemplates.accountModalAddTitle': 'افزودن قالب حساب بانکی',
+  'invoiceTemplates.accountModalEditTitle': 'ویرایش قالب حساب بانکی',
   'invoiceTemplates.itemUpdated': 'قالب آیتم به‌روزرسانی شد.',
   'invoiceTemplates.itemCreated': 'قالب آیتم ایجاد شد.',
   'invoiceTemplates.itemRemoved': 'قالب آیتم حذف شد.',
+  'invoiceTemplates.accountUpdated': 'قالب حساب بانکی به‌روزرسانی شد.',
+  'invoiceTemplates.accountCreated': 'قالب حساب بانکی ایجاد شد.',
+  'invoiceTemplates.accountRemoved': 'قالب حساب بانکی حذف شد.',
   'invoiceTemplates.templateRemoved': 'قالب فاکتور حذف شد.',
   'invoiceTemplates.loadError': 'بارگذاری تنظیمات فاکتور ممکن نشد.',
   'invoiceTemplates.itemSaveError': 'ذخیره قالب آیتم ممکن نشد.',
   'invoiceTemplates.itemRemoveError': 'حذف آیتم ممکن نشد.',
+  'invoiceTemplates.accountSaveError': 'ذخیره قالب حساب بانکی ممکن نشد.',
+  'invoiceTemplates.accountRemoveError': 'حذف حساب بانکی ممکن نشد.',
+  'invoiceTemplates.accountBankRequired': 'نام بانک الزامی است.',
   'invoiceTemplates.templateRemoveError': 'حذف قالب ممکن نشد.',
   'invoiceTemplates.saveItem': 'ذخیره تغییرات',
   'invoiceTemplates.savingItem': 'در حال ذخیره...',
   'invoiceTemplates.createItem': 'ایجاد آیتم',
+  'invoiceTemplates.saveAccount': 'ذخیره تغییرات',
+  'invoiceTemplates.savingAccount': 'در حال ذخیره...',
+  'invoiceTemplates.createAccount': 'ایجاد حساب',
   'invoiceTemplates.cancel': 'انصراف',
   'invoiceTemplates.hint': 'نکته: از صفحه فاکتورها با استفاده از یک قالب یا از ابتدا فاکتور صادر کنید.',
+  'invoiceTemplates.expandSection': 'نمایش فهرست',
+  'invoiceTemplates.collapseSection': 'بستن فهرست',
 
   'invoiceTemplateEditor.addTitle': 'افزودن قالب فاکتور',
   'invoiceTemplateEditor.editTitle': 'ویرایش قالب فاکتور',
diff --git a/apps/business/src/pages/InvoiceTemplateEditorPage.tsx b/apps/business/src/pages/InvoiceTemplateEditorPage.tsx
index 95c2dab..c7a94ba 100644
--- a/apps/business/src/pages/InvoiceTemplateEditorPage.tsx
+++ b/apps/business/src/pages/InvoiceTemplateEditorPage.tsx
@@ -9,16 +9,18 @@ import { ApiError, isAbortError } from '../lib/api'
 import {
   createInvoiceTemplate,
   getInvoiceTemplate,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   updateInvoiceTemplate,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate } from '../types/invoice'
 import {
   buildAccountsPayload,
   buildKeyPointsPayload,
   buildPaymentMethodsPayload,
   buildTemplateItemsPayload,
   draftsFromInvoiceTemplate,
+  defaultDraftPaymentMethods,
   emptyDraftItem,
   type DraftAccount,
   type DraftKeyPoint,
@@ -37,15 +39,19 @@ export function InvoiceTemplateEditorPage() {
   const t = useT()
 
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [loading, setLoading] = useState(isEdit)
   const [error, setError] = useState('')
   const [name, setName] = useState('')
   const [topText, setTopText] = useState('')
   const [items, setItems] = useState<DraftLineItem[]>([emptyDraftItem()])
   const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
-  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>([])
+  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>(() =>
+    isEdit ? [] : defaultDraftPaymentMethods(),
+  )
   const [accounts, setAccounts] = useState<DraftAccount[]>([])
   const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [selectedAccountTemplateId, setSelectedAccountTemplateId] = useState('')
   const [submitting, setSubmitting] = useState(false)
   const [formError, setFormError] = useState('')
 
@@ -56,8 +62,12 @@ export function InvoiceTemplateEditorPage() {
       setLoading(true)
       setError('')
       try {
-        const itemsRes = await listInvoiceItemTemplates(controller.signal)
+        const [itemsRes, accountsRes] = await Promise.all([
+          listInvoiceItemTemplates(controller.signal),
+          listInvoiceAccountTemplates(controller.signal),
+        ])
         setItemTemplates(itemsRes.items.filter((i) => i.isActive))
+        setAccountTemplates(accountsRes.items.filter((i) => i.isActive))
 
         if (templateId) {
           const template = await getInvoiceTemplate(templateId, controller.signal)
@@ -166,12 +176,15 @@ export function InvoiceTemplateEditorPage() {
 
           <InvoiceDraftFields
             itemTemplates={itemTemplates}
+            accountTemplates={accountTemplates}
             items={items}
             keyPoints={keyPoints}
             paymentMethods={paymentMethods}
             accounts={accounts}
             selectedItemTemplateId={selectedItemTemplateId}
             onSelectedItemTemplateId={setSelectedItemTemplateId}
+            selectedAccountTemplateId={selectedAccountTemplateId}
+            onSelectedAccountTemplateId={setSelectedAccountTemplateId}
             onItemsChange={setItems}
             onKeyPointsChange={setKeyPoints}
             onPaymentMethodsChange={setPaymentMethods}
diff --git a/apps/business/src/pages/InvoiceTemplatesPage.module.css b/apps/business/src/pages/InvoiceTemplatesPage.module.css
index ff93d54..81ae7ca 100644
--- a/apps/business/src/pages/InvoiceTemplatesPage.module.css
+++ b/apps/business/src/pages/InvoiceTemplatesPage.module.css
@@ -3,7 +3,35 @@
   align-items: flex-start;
   justify-content: space-between;
   gap: 16px;
-  margin-bottom: 14px;
+  margin-bottom: 0;
+}
+
+.sectionToggle {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  flex: 1;
+  min-width: 0;
+  padding: 0;
+  border: 0;
+  background: transparent;
+  text-align: inherit;
+  cursor: pointer;
+  color: inherit;
+}
+
+.sectionChevron {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  margin-top: 2px;
+  color: var(--text-secondary);
+  transition: transform 0.18s ease;
+  flex-shrink: 0;
+}
+
+.sectionChevronOpen {
+  transform: rotate(180deg);
 }
 
 .sectionTitleRow {
@@ -11,9 +39,11 @@
   align-items: flex-start;
   gap: 10px;
   color: var(--primary);
+  min-width: 0;
 }
 
 .sectionTitle {
+  display: block;
   margin: 0 0 2px;
   font-size: 15px;
   font-weight: 700;
@@ -21,6 +51,7 @@
 }
 
 .sectionSubtitle {
+  display: block;
   margin: 0;
   font-size: 12.5px;
   color: var(--text-secondary);
@@ -30,6 +61,26 @@
   text-overflow: ellipsis;
 }
 
+.sectionAction {
+  flex-shrink: 0;
+}
+
+.sectionBody {
+  margin-top: 14px;
+}
+
+.srOnly {
+  position: absolute;
+  width: 1px;
+  height: 1px;
+  padding: 0;
+  margin: -1px;
+  overflow: hidden;
+  clip: rect(0, 0, 0, 0);
+  white-space: nowrap;
+  border: 0;
+}
+
 .topTextPreview {
   overflow: hidden;
   text-overflow: ellipsis;
@@ -83,6 +134,26 @@
   width: 8%;
 }
 
+.accountTemplatesTable col.nameCol {
+  width: 22%;
+}
+
+.accountTemplatesTable col.holderCol {
+  width: 22%;
+}
+
+.accountTemplatesTable col.cardCol {
+  width: 22%;
+}
+
+.accountTemplatesTable col.ibanCol {
+  width: 22%;
+}
+
+.accountTemplatesTable col.actionsCol {
+  width: 12%;
+}
+
 .nameCell {
   min-width: 0;
 }
@@ -105,4 +176,8 @@
   .sectionHeader {
     flex-direction: column;
   }
+
+  .sectionAction {
+    width: 100%;
+  }
 }
diff --git a/apps/business/src/pages/InvoiceTemplatesPage.tsx b/apps/business/src/pages/InvoiceTemplatesPage.tsx
index eb5c70d..6eb4fd9 100644
--- a/apps/business/src/pages/InvoiceTemplatesPage.tsx
+++ b/apps/business/src/pages/InvoiceTemplatesPage.tsx
@@ -1,6 +1,6 @@
-import { useEffect, useState } from 'react'
+import { useEffect, useState, type ReactNode } from 'react'
 import { useNavigate } from 'react-router-dom'
-import { FileStack, FileText, Pencil, Plus, Trash2 } from 'lucide-react'
+import { ChevronDown, FileStack, FileText, Landmark, Pencil, Plus, Trash2 } from 'lucide-react'
 import { Breadcrumbs } from '../components/Breadcrumbs'
 import { ConfirmDeleteModal } from '../components/ConfirmDeleteModal'
 import { EmptyTableRow } from '../components/EmptyState'
@@ -12,20 +12,30 @@ import { useToast } from '../context/ToastContext'
 import { useT } from '../i18n/useT'
 import { ApiError, isAbortError } from '../lib/api'
 import {
+  createInvoiceAccountTemplate,
   createInvoiceItemTemplate,
+  deleteInvoiceAccountTemplate,
   deleteInvoiceItemTemplate,
   deleteInvoiceTemplate,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   listInvoiceTemplates,
+  updateInvoiceAccountTemplate,
   updateInvoiceItemTemplate,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
+import type {
+  InvoiceAccountTemplate,
+  InvoiceItemTemplate,
+  InvoiceTemplate,
+} from '../types/invoice'
 import { formatIrtInput, formatIrtPrice, parseIrtInput } from '../utils/irtPrice'
 import pageStyles from '../components/PageContent.module.css'
 import formStyles from '../components/InvoiceForm.module.css'
 import tableStyles from './InvoicesPage.module.css'
 import styles from './InvoiceTemplatesPage.module.css'
 
+type SectionId = 'templates' | 'items' | 'accounts'
+
 type ItemDraft = {
   title: string
   duration: string
@@ -35,6 +45,13 @@ type ItemDraft = {
   discountedPrice: string
 }
 
+type AccountDraft = {
+  bankName: string
+  accountHolderName: string
+  cardNumber: string
+  iban: string
+}
+
 const EMPTY_ITEM_DRAFT: ItemDraft = {
   title: '',
   duration: '',
@@ -44,6 +61,13 @@ const EMPTY_ITEM_DRAFT: ItemDraft = {
   discountedPrice: '',
 }
 
+const EMPTY_ACCOUNT_DRAFT: AccountDraft = {
+  bankName: '',
+  accountHolderName: '',
+  cardNumber: '',
+  iban: '',
+}
+
 function itemDraftFromTemplate(template: InvoiceItemTemplate): ItemDraft {
   return {
     title: template.title,
@@ -58,12 +82,78 @@ function itemDraftFromTemplate(template: InvoiceItemTemplate): ItemDraft {
   }
 }
 
+function accountDraftFromTemplate(template: InvoiceAccountTemplate): AccountDraft {
+  return {
+    bankName: template.bankName,
+    accountHolderName: template.accountHolderName ?? '',
+    cardNumber: template.cardNumber ?? '',
+    iban: template.iban ?? '',
+  }
+}
+
+function CollapsibleSection({
+  id,
+  open,
+  onToggle,
+  icon,
+  title,
+  subtitle,
+  action,
+  children,
+}: {
+  id: SectionId
+  open: boolean
+  onToggle: () => void
+  icon: ReactNode
+  title: string
+  subtitle: string
+  action?: ReactNode
+  children: ReactNode
+}) {
+  const t = useT()
+  return (
+    <section className={`${formStyles.section} ${id !== 'templates' ? formStyles.sectionSpaced : ''}`}>
+      <div className={styles.sectionHeader}>
+        <button
+          type="button"
+          className={styles.sectionToggle}
+          onClick={onToggle}
+          aria-expanded={open}
+          aria-controls={`invoice-templates-section-${id}`}
+        >
+          <span className={`${styles.sectionChevron} ${open ? styles.sectionChevronOpen : ''}`}>
+            <ChevronDown size={18} />
+          </span>
+          <span className={styles.sectionTitleRow}>
+            {icon}
+            <span>
+              <span className={styles.sectionTitle}>{title}</span>
+              <span className={styles.sectionSubtitle}>{subtitle}</span>
+            </span>
+          </span>
+          <span className={styles.srOnly}>
+            {open ? t('invoiceTemplates.collapseSection') : t('invoiceTemplates.expandSection')}
+          </span>
+        </button>
+        {open && action ? <div className={styles.sectionAction}>{action}</div> : null}
+      </div>
+      {open ? (
+        <div id={`invoice-templates-section-${id}`} className={styles.sectionBody}>
+          {children}
+        </div>
+      ) : null}
+    </section>
+  )
+}
+
 export function InvoiceTemplatesPage() {
   const navigate = useNavigate()
   const { showToast } = useToast()
   const t = useT()
 
+  const [openSection, setOpenSection] = useState<SectionId>('templates')
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
   const [loading, setLoading] = useState(false)
   const [error, setError] = useState('')
@@ -76,6 +166,17 @@ export function InvoiceTemplatesPage() {
   const [removeItemTarget, setRemoveItemTarget] = useState<InvoiceItemTemplate | null>(null)
   const [removeTplTarget, setRemoveTplTarget] = useState<InvoiceTemplate | null>(null)
 
+  const [accountEditorOpen, setAccountEditorOpen] = useState(false)
+  const [editingAccount, setEditingAccount] = useState<InvoiceAccountTemplate | null>(null)
+  const [accountDraft, setAccountDraft] = useState<AccountDraft>(EMPTY_ACCOUNT_DRAFT)
+  const [accountSubmitting, setAccountSubmitting] = useState(false)
+  const [accountFormError, setAccountFormError] = useState('')
+  const [removeAccountTarget, setRemoveAccountTarget] = useState<InvoiceAccountTemplate | null>(null)
+
+  function toggleSection(id: SectionId) {
+    setOpenSection(id)
+  }
+
   function itemDraftToPayload(draft: ItemDraft) {
     const price = parseIrtInput(draft.price)
     if (!draft.title.trim()) throw new Error(t('invoiceDraft.error.itemTitle'))
@@ -97,15 +198,27 @@ export function InvoiceTemplatesPage() {
     }
   }
 
+  function accountDraftToPayload(draft: AccountDraft) {
+    if (!draft.bankName.trim()) throw new Error(t('invoiceTemplates.accountBankRequired'))
+    return {
+      bankName: draft.bankName.trim(),
+      accountHolderName: draft.accountHolderName.trim() || undefined,
+      cardNumber: draft.cardNumber.trim() || undefined,
+      iban: draft.iban.trim() || undefined,
+    }
+  }
+
   async function reload(signal?: AbortSignal) {
     setLoading(true)
     setError('')
     try {
-      const [items, templates] = await Promise.all([
+      const [items, accounts, templates] = await Promise.all([
         listInvoiceItemTemplates(signal),
+        listInvoiceAccountTemplates(signal),
         listInvoiceTemplates(signal),
       ])
       setItemTemplates(items.items)
+      setAccountTemplates(accounts.items)
       setInvoiceTemplates(templates.items)
     } catch (err) {
       if (isAbortError(err)) return
@@ -187,6 +300,64 @@ export function InvoiceTemplatesPage() {
     }
   }
 
+  function openCreateAccount() {
+    setEditingAccount(null)
+    setAccountDraft(EMPTY_ACCOUNT_DRAFT)
+    setAccountFormError('')
+    setAccountEditorOpen(true)
+  }
+
+  function openEditAccount(template: InvoiceAccountTemplate) {
+    setEditingAccount(template)
+    setAccountDraft(accountDraftFromTemplate(template))
+    setAccountFormError('')
+    setAccountEditorOpen(true)
+  }
+
+  async function handleSaveAccount() {
+    setAccountFormError('')
+    let payload
+    try {
+      payload = accountDraftToPayload(accountDraft)
+    } catch (err) {
+      setAccountFormError(err instanceof Error ? err.message : t('invoiceTemplates.accountSaveError'))
+      return
+    }
+    setAccountSubmitting(true)
+    try {
+      if (editingAccount) {
+        await updateInvoiceAccountTemplate(editingAccount.id, payload)
+        showToast(t('invoiceTemplates.accountUpdated'), 'success')
+      } else {
+        await createInvoiceAccountTemplate(payload)
+        showToast(t('invoiceTemplates.accountCreated'), 'success')
+      }
+      setAccountEditorOpen(false)
+      await reload()
+    } catch (err) {
+      setAccountFormError(
+        err instanceof ApiError ? err.message : t('invoiceTemplates.accountSaveError'),
+      )
+    } finally {
+      setAccountSubmitting(false)
+    }
+  }
+
+  async function handleRemoveAccount() {
+    if (!removeAccountTarget) return
+    try {
+      await deleteInvoiceAccountTemplate(removeAccountTarget.id)
+      showToast(t('invoiceTemplates.accountRemoved'), 'success')
+      setRemoveAccountTarget(null)
+      await reload()
+    } catch (err) {
+      showToast(
+        err instanceof ApiError ? err.message : t('invoiceTemplates.accountRemoveError'),
+        'error',
+      )
+    }
+  }
+
   return (
     <main className={pageStyles.content}>
       <Breadcrumbs
@@ -207,15 +378,14 @@ export function InvoiceTemplatesPage() {
 
       {error ? <p className={formStyles.alertError}>{error}</p> : null}
 
-      <section className={formStyles.section}>
-        <div className={styles.sectionHeader}>
-          <div className={styles.sectionTitleRow}>
-            <FileStack size={18} />
-            <div>
-              <h3 className={styles.sectionTitle}>{t('invoiceTemplates.section.templates.title')}</h3>
-              <p className={styles.sectionSubtitle}>{t('invoiceTemplates.section.templates.desc')}</p>
-            </div>
-          </div>
+      <CollapsibleSection
+        id="templates"
+        open={openSection === 'templates'}
+        onToggle={() => toggleSection('templates')}
+        icon={<FileStack size={18} />}
+        title={t('invoiceTemplates.section.templates.title')}
+        subtitle={t('invoiceTemplates.section.templates.desc')}
+        action={
           <button
             type="button"
             className={`${formStyles.btn} ${formStyles.btnPrimary}`}
@@ -224,8 +394,8 @@ export function InvoiceTemplatesPage() {
             <Plus size={16} />
             {t('invoiceTemplates.addTemplate')}
           </button>
-        </div>
-
+        }
+      >
         <div className={tableStyles.tableWrap}>
           <div className={tableStyles.tableHeader}>
             <div className={tableStyles.meta}>
@@ -310,17 +480,16 @@ export function InvoiceTemplatesPage() {
             </tbody>
           </table>
         </div>
-      </section>
+      </CollapsibleSection>
 
-      <section className={`${formStyles.section} ${formStyles.sectionSpaced}`}>
-        <div className={styles.sectionHeader}>
-          <div className={styles.sectionTitleRow}>
-            <FileText size={18} />
-            <div>
-              <h3 className={styles.sectionTitle}>{t('invoiceTemplates.section.items.title')}</h3>
-              <p className={styles.sectionSubtitle}>{t('invoiceTemplates.section.items.desc')}</p>
-            </div>
-          </div>
+      <CollapsibleSection
+        id="items"
+        open={openSection === 'items'}
+        onToggle={() => toggleSection('items')}
+        icon={<FileText size={18} />}
+        title={t('invoiceTemplates.section.items.title')}
+        subtitle={t('invoiceTemplates.section.items.desc')}
+        action={
           <button
             type="button"
             className={`${formStyles.btn} ${formStyles.btnPrimary}`}
@@ -329,8 +498,8 @@ export function InvoiceTemplatesPage() {
             <Plus size={16} />
             {t('invoiceTemplates.addItem')}
           </button>
-        </div>
-
+        }
+      >
         <div className={tableStyles.tableWrap}>
           <div className={tableStyles.tableHeader}>
             <div className={tableStyles.meta}>
@@ -417,7 +586,103 @@ export function InvoiceTemplatesPage() {
             </tbody>
           </table>
         </div>
-      </section>
+      </CollapsibleSection>
+
+      <CollapsibleSection
+        id="accounts"
+        open={openSection === 'accounts'}
+        onToggle={() => toggleSection('accounts')}
+        icon={<Landmark size={18} />}
+        title={t('invoiceTemplates.section.accounts.title')}
+        subtitle={t('invoiceTemplates.section.accounts.desc')}
+        action={
+          <button
+            type="button"
+            className={`${formStyles.btn} ${formStyles.btnPrimary}`}
+            onClick={openCreateAccount}
+          >
+            <Plus size={16} />
+            {t('invoiceTemplates.addAccount')}
+          </button>
+        }
+      >
+        <div className={tableStyles.tableWrap}>
+          <div className={tableStyles.tableHeader}>
+            <div className={tableStyles.meta}>
+              {loading
+                ? t('invoices.loading')
+                : accountTemplates.length === 1
+                  ? t('invoiceTemplates.countAccountsOne', { count: accountTemplates.length })
+                  : t('invoiceTemplates.countAccountsMany', { count: accountTemplates.length })}
+            </div>
+          </div>
+          <table className={`${tableStyles.table} ${styles.accountTemplatesTable}`}>
+            <colgroup>
+              <col className={styles.nameCol} />
+              <col className={styles.holderCol} />
+              <col className={styles.cardCol} />
+              <col className={styles.ibanCol} />
+              <col className={styles.actionsCol} />
+            </colgroup>
+            <thead>
+              <tr>
+                <th className={tableStyles.th}>{t('invoiceTemplates.col.bankName')}</th>
+                <th className={tableStyles.th}>{t('invoiceTemplates.col.accountHolder')}</th>
+                <th className={tableStyles.th}>{t('invoiceTemplates.col.cardNumber')}</th>
+                <th className={tableStyles.th}>{t('invoiceTemplates.col.iban')}</th>
+                <th className={`${tableStyles.th} ${tableStyles.thActions}`}>
+                  {t('invoiceTemplates.col.actions')}
+                </th>
+              </tr>
+            </thead>
+            <tbody>
+              {!loading && accountTemplates.length === 0 ? (
+                <EmptyTableRow
+                  colSpan={5}
+                  icon={Landmark}
+                  message={t('invoiceTemplates.emptyAccounts')}
+                  actionLabel={t('invoiceTemplates.addAccount')}
+                  onAction={openCreateAccount}
+                />
+              ) : null}
+              {accountTemplates.map((template) => (
+                <tr key={template.id}>
+                  <td className={`${tableStyles.td} ${styles.nameCell}`}>
+                    <div className={tableStyles.itemTitle}>{template.bankName}</div>
+                  </td>
+                  <td className={tableStyles.td}>{template.accountHolderName || '—'}</td>
+                  <td className={tableStyles.td}>{template.cardNumber || '—'}</td>
+                  <td className={tableStyles.td}>{template.iban || '—'}</td>
+                  <td className={`${tableStyles.td} ${tableStyles.tdActions}`}>
+                    <div className={tableStyles.rowActions}>
+                      <Tooltip label={t('invoiceTemplates.editAccount')}>
+                        <button
+                          type="button"
+                          className={tableStyles.actionBtn}
+                          onClick={() => openEditAccount(template)}
+                          aria-label={t('invoiceTemplates.editAccount')}
+                        >
+                          <Pencil size={16} />
+                        </button>
+                      </Tooltip>
+                      <Tooltip label={t('invoiceTemplates.removeAccount')}>
+                        <button
+                          type="button"
+                          className={`${tableStyles.actionBtn} ${tableStyles.actionBtnDanger}`}
+                          onClick={() => setRemoveAccountTarget(template)}
+                          aria-label={t('invoiceTemplates.removeAccount')}
+                        >
+                          <Trash2 size={16} />
+                        </button>
+                      </Tooltip>
+                    </div>
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        </div>
+      </CollapsibleSection>
 
       <p className={styles.hint}>{t('invoiceTemplates.hint')}</p>
 
@@ -513,6 +778,79 @@ export function InvoiceTemplatesPage() {
         </div>
       </Modal>
 
+      <Modal
+        open={accountEditorOpen}
+        title={
+          editingAccount
+            ? t('invoiceTemplates.accountModalEditTitle')
+            : t('invoiceTemplates.accountModalAddTitle')
+        }
+        onClose={() => !accountSubmitting && setAccountEditorOpen(false)}
+        wide
+      >
+        <div className={formStyles.formGrid}>
+          <div className={`${formStyles.field} ${formStyles.span2}`}>
+            <label htmlFor="account-bank">{t('invoiceDraft.bankName')}</label>
+            <input
+              id="account-bank"
+              value={accountDraft.bankName}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, bankName: e.target.value }))}
+              placeholder={t('invoiceDraft.bankName')}
+            />
+          </div>
+          <div className={`${formStyles.field} ${formStyles.span2}`}>
+            <label htmlFor="account-holder">{t('invoiceDraft.accountHolder')}</label>
+            <input
+              id="account-holder"
+              value={accountDraft.accountHolderName}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, accountHolderName: e.target.value }))}
+              placeholder={t('invoiceDraft.accountHolder')}
+            />
+          </div>
+          <div className={formStyles.field}>
+            <label htmlFor="account-card">{t('invoiceDraft.cardNumber')}</label>
+            <input
+              id="account-card"
+              value={accountDraft.cardNumber}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, cardNumber: e.target.value }))}
+              placeholder={t('invoiceDraft.optional')}
+            />
+          </div>
+          <div className={formStyles.field}>
+            <label htmlFor="account-iban">{t('invoiceDraft.iban')}</label>
+            <input
+              id="account-iban"
+              value={accountDraft.iban}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, iban: e.target.value }))}
+              placeholder={t('invoiceDraft.optional')}
+            />
+          </div>
+        </div>
+        {accountFormError ? <p className={formStyles.alertError}>{accountFormError}</p> : null}
+        <div className={formStyles.actionsRow}>
+          <button
+            type="button"
+            className={`${formStyles.btn} ${formStyles.btnGhost}`}
+            onClick={() => setAccountEditorOpen(false)}
+            disabled={accountSubmitting}
+          >
+            {t('invoiceTemplates.cancel')}
+          </button>
+          <button
+            type="button"
+            className={`${formStyles.btn} ${formStyles.btnPrimary}`}
+            onClick={() => void handleSaveAccount()}
+            disabled={accountSubmitting}
+          >
+            {accountSubmitting
+              ? t('invoiceTemplates.savingAccount')
+              : editingAccount
+                ? t('invoiceTemplates.saveAccount')
+                : t('invoiceTemplates.createAccount')}
+          </button>
+        </div>
+      </Modal>
+
       <ConfirmDeleteModal
         open={!!removeTplTarget}
         title={t('invoiceTemplates.deleteTemplateTitle')}
@@ -536,6 +874,18 @@ export function InvoiceTemplatesPage() {
         onCancel={() => setRemoveItemTarget(null)}
         onConfirm={() => void handleRemoveItem()}
       />
+
+      <ConfirmDeleteModal
+        open={!!removeAccountTarget}
+        title={t('invoiceTemplates.deleteAccountTitle')}
+        message={
+          removeAccountTarget
+            ? t('invoiceTemplates.deleteAccountMessage', { name: removeAccountTarget.bankName })
+            : ''
+        }
+        onCancel={() => setRemoveAccountTarget(null)}
+        onConfirm={() => void handleRemoveAccount()}
+      />
     </main>
   )
 }
diff --git a/apps/business/src/pages/IssueInvoicePage.tsx b/apps/business/src/pages/IssueInvoicePage.tsx
index 27516b2..1ffbabd 100644
--- a/apps/business/src/pages/IssueInvoicePage.tsx
+++ b/apps/business/src/pages/IssueInvoicePage.tsx
@@ -10,12 +10,13 @@ import { ApiError, isAbortError } from '../lib/api'
 import {
   createInvoice,
   getInvoice,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   listInvoiceTemplates,
   updateInvoice,
 } from '../services/invoiceService'
 import { listCustomers, type BusinessCustomer } from '../services/customerService'
-import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
 import {
   buildAccountsPayload,
   buildKeyPointsPayload,
@@ -23,6 +24,7 @@ import {
   buildPaymentMethodsPayload,
   draftsFromInvoice,
   draftsFromInvoiceTemplate,
+  defaultDraftPaymentMethods,
   emptyDraftItem,
   type DraftAccount,
   type DraftKeyPoint,
@@ -72,6 +74,7 @@ export function IssueInvoicePage() {
     ?.presetCustomer
 
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
   const [loading, setLoading] = useState(true)
   const [error, setError] = useState('')
@@ -90,9 +93,12 @@ export function IssueInvoicePage() {
   const [notes, setNotes] = useState('')
   const [draftItems, setDraftItems] = useState<DraftLineItem[]>([emptyDraftItem()])
   const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
-  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>([])
+  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>(() =>
+    isEdit ? [] : defaultDraftPaymentMethods(),
+  )
   const [accounts, setAccounts] = useState<DraftAccount[]>([])
   const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [selectedAccountTemplateId, setSelectedAccountTemplateId] = useState('')
   const [submitting, setSubmitting] = useState(false)
   const [formError, setFormError] = useState('')
 
@@ -114,11 +120,13 @@ export function IssueInvoicePage() {
       setError('')
       setLocked(false)
       try {
-        const [items, templates] = await Promise.all([
+        const [items, accountsRes, templates] = await Promise.all([
           listInvoiceItemTemplates(controller.signal),
+          listInvoiceAccountTemplates(controller.signal),
           listInvoiceTemplates(controller.signal),
         ])
         setItemTemplates(items.items.filter((i) => i.isActive))
+        setAccountTemplates(accountsRes.items.filter((i) => i.isActive))
         setInvoiceTemplates(templates.items.filter((i) => i.isActive))
 
         if (invoiceId) {
@@ -142,6 +150,7 @@ export function IssueInvoicePage() {
           setPaymentMethods(drafts.paymentMethods)
           setAccounts(drafts.accounts)
           setSelectedItemTemplateId('')
+          setSelectedAccountTemplateId('')
         } else if (urlUserId && !presetCustomer) {
           const listed = await listCustomers({ page: 1, pageSize: 100 }, controller.signal)
           const match = listed.items.find((c) => c.id === urlUserId)
@@ -178,9 +187,10 @@ export function IssueInvoicePage() {
     setNotes('')
     setDraftItems([emptyDraftItem()])
     setKeyPoints([])
-    setPaymentMethods([])
+    setPaymentMethods(defaultDraftPaymentMethods())
     setAccounts([])
     setSelectedItemTemplateId('')
+    setSelectedAccountTemplateId('')
     setFormError('')
   }
 
@@ -202,6 +212,7 @@ export function IssueInvoicePage() {
     setPaymentMethods(drafts.paymentMethods)
     setAccounts(drafts.accounts)
     setSelectedItemTemplateId('')
+    setSelectedAccountTemplateId('')
     setFormError('')
   }
 
@@ -360,12 +371,15 @@ export function IssueInvoicePage() {
 
           <InvoiceDraftFields
             itemTemplates={itemTemplates}
+            accountTemplates={accountTemplates}
             items={draftItems}
             keyPoints={keyPoints}
             paymentMethods={paymentMethods}
             accounts={accounts}
             selectedItemTemplateId={selectedItemTemplateId}
             onSelectedItemTemplateId={setSelectedItemTemplateId}
+            selectedAccountTemplateId={selectedAccountTemplateId}
+            onSelectedAccountTemplateId={setSelectedAccountTemplateId}
             onItemsChange={setDraftItems}
             onKeyPointsChange={setKeyPoints}
             onPaymentMethodsChange={setPaymentMethods}
diff --git a/apps/business/src/services/invoiceService.ts b/apps/business/src/services/invoiceService.ts
index 0441f37..600c668 100644
--- a/apps/business/src/services/invoiceService.ts
+++ b/apps/business/src/services/invoiceService.ts
@@ -1,16 +1,20 @@
 import { apiRequest } from '../lib/api'
 import { getActiveBusinessId } from '../lib/businessContext'
 import type {
+  CreateInvoiceAccountTemplatePayload,
   CreateInvoiceItemTemplatePayload,
   CreateInvoicePayload,
   CreateInvoiceTemplatePayload,
   Invoice,
+  InvoiceAccountTemplate,
+  InvoiceAccountTemplatesResponse,
   InvoiceItemTemplate,
   InvoiceItemTemplatesResponse,
   InvoiceStatus,
   InvoiceTemplate,
   InvoiceTemplatesListResponse,
   InvoicesListResponse,
+  UpdateInvoiceAccountTemplatePayload,
   UpdateInvoiceItemTemplatePayload,
   UpdateInvoicePayload,
   UpdateInvoiceTemplatePayload,
@@ -60,6 +64,42 @@ export function deleteInvoiceItemTemplate(templateId: string) {
   })
 }
 
+export function listInvoiceAccountTemplates(signal?: AbortSignal) {
+  return apiRequest<InvoiceAccountTemplatesResponse>(businessPath('/invoice-account-templates'), {
+    auth: true,
+    signal,
+  })
+}
+
+export function createInvoiceAccountTemplate(payload: CreateInvoiceAccountTemplatePayload) {
+  return apiRequest<InvoiceAccountTemplate>(businessPath('/invoice-account-templates'), {
+    method: 'POST',
+    auth: true,
+    body: payload,
+  })
+}
+
+export function updateInvoiceAccountTemplate(
+  templateId: string,
+  payload: UpdateInvoiceAccountTemplatePayload,
+) {
+  return apiRequest<InvoiceAccountTemplate>(
+    businessPath(`/invoice-account-templates/${templateId}`),
+    {
+      method: 'PATCH',
+      auth: true,
+      body: payload,
+    },
+  )
+}
+
+export function deleteInvoiceAccountTemplate(templateId: string) {
+  return apiRequest<{ ok: boolean }>(businessPath(`/invoice-account-templates/${templateId}`), {
+    method: 'DELETE',
+    auth: true,
+  })
+}
+
 export function listInvoiceTemplates(signal?: AbortSignal) {
   return apiRequest<InvoiceTemplatesListResponse>(businessPath('/invoice-templates'), {
     auth: true,
diff --git a/apps/business/src/types/invoice.ts b/apps/business/src/types/invoice.ts
index ce8d4e0..3d7861c 100644
--- a/apps/business/src/types/invoice.ts
+++ b/apps/business/src/types/invoice.ts
@@ -16,6 +16,20 @@ export interface InvoiceItemTemplate {
   updatedAt: string
 }
 
+export interface InvoiceAccountTemplate {
+  id: string
+  ownerScope: 'platform' | 'business'
+  businessId: string | null
+  bankName: string
+  accountHolderName: string | null
+  cardNumber: string | null
+  iban: string | null
+  sortOrder: number
+  isActive: boolean
+  createdAt: string
+  updatedAt: string
+}
+
 export interface InvoiceItem {
   id: string
   invoiceId: string
@@ -198,6 +212,10 @@ export interface InvoiceItemTemplatesResponse {
   items: InvoiceItemTemplate[]
 }
 
+export interface InvoiceAccountTemplatesResponse {
+  items: InvoiceAccountTemplate[]
+}
+
 export interface InvoiceTemplatesListResponse {
   items: InvoiceTemplate[]
 }
@@ -223,3 +241,15 @@ export interface CreateInvoiceItemTemplatePayload {
 export type UpdateInvoiceItemTemplatePayload = Partial<CreateInvoiceItemTemplatePayload> & {
   isActive?: boolean
 }
+
+export interface CreateInvoiceAccountTemplatePayload {
+  bankName: string
+  accountHolderName?: string
+  cardNumber?: string
+  iban?: string
+  sortOrder?: number
+}
+
+export type UpdateInvoiceAccountTemplatePayload = Partial<CreateInvoiceAccountTemplatePayload> & {
+  isActive?: boolean
+}
diff --git a/apps/business/src/utils/invoiceDraft.ts b/apps/business/src/utils/invoiceDraft.ts
index 53376dc..c7bda19 100644
--- a/apps/business/src/utils/invoiceDraft.ts
+++ b/apps/business/src/utils/invoiceDraft.ts
@@ -2,6 +2,7 @@ import { formatIrtInput, parseIrtInput } from './irtPrice'
 import type { BusinessMessageKey } from '../i18n/messages'
 import type {
   InvoiceAccountInput,
+  InvoiceAccountTemplate,
   InvoiceItemInput,
   InvoiceItemTemplate,
   InvoiceKeyPointInput,
@@ -51,6 +52,10 @@ export type DraftAccount = {
   iban: string
 }
 
+/** Default free-text payment row shown on new invoice / template drafts. */
+export const DEFAULT_PAYMENT_METHOD_TEXT =
+  'مبلغ ۱.۰۰۰.۰۰۰ تومان پیش پرداخت در تاریخ ۱۰-۱۰-۱۴۱۰ به صورت نقدی'
+
 export function newKey() {
   return `${Date.now()}-${Math.random().toString(36).slice(2, 8)}`
 }
@@ -71,8 +76,12 @@ export function emptyDraftKeyPoint(): DraftKeyPoint {
   return { key: newKey(), text: '' }
 }
 
-export function emptyDraftPaymentMethod(): DraftPaymentMethod {
-  return { key: newKey(), text: '' }
+export function emptyDraftPaymentMethod(text = ''): DraftPaymentMethod {
+  return { key: newKey(), text }
+}
+
+export function defaultDraftPaymentMethods(): DraftPaymentMethod[] {
+  return [emptyDraftPaymentMethod(DEFAULT_PAYMENT_METHOD_TEXT)]
 }
 
 export function emptyDraftAccount(): DraftAccount {
@@ -95,6 +104,16 @@ export function draftItemFromItemTemplate(template: InvoiceItemTemplate): DraftL
   }
 }
 
+export function draftAccountFromAccountTemplate(template: InvoiceAccountTemplate): DraftAccount {
+  return {
+    key: newKey(),
+    bankName: template.bankName,
+    accountHolderName: template.accountHolderName ?? '',
+    cardNumber: template.cardNumber ?? '',
+    iban: template.iban ?? '',
+  }
+}
+
 export function draftsFromInvoiceTemplate(template: InvoiceTemplate): {
   name: string
   topText: string
diff --git a/apps/super-admin/src/components/InvoiceDraftFields.tsx b/apps/super-admin/src/components/InvoiceDraftFields.tsx
index 24c7476..69c90f2 100644
--- a/apps/super-admin/src/components/InvoiceDraftFields.tsx
+++ b/apps/super-admin/src/components/InvoiceDraftFields.tsx
@@ -1,8 +1,9 @@
 import { Pencil, Plus, X } from 'lucide-react'
-import type { InvoiceItemTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate } from '../types/invoice'
 import { formatIrtInput, formatIrtPrice } from '../utils/irtPrice'
 import type { DraftAccount, DraftKeyPoint, DraftLineItem, DraftPaymentMethod } from '../utils/invoiceDraft'
 import {
+  draftAccountFromAccountTemplate,
   draftItemFromItemTemplate,
   emptyDraftAccount,
   emptyDraftItem,
@@ -26,32 +27,40 @@ function focusPaymentMethodInput(index: number) {
 
 type Props = {
   itemTemplates: InvoiceItemTemplate[]
+  accountTemplates: InvoiceAccountTemplate[]
   items: DraftLineItem[]
   keyPoints: DraftKeyPoint[]
   paymentMethods: DraftPaymentMethod[]
   accounts: DraftAccount[]
   selectedItemTemplateId: string
   onSelectedItemTemplateId: (id: string) => void
+  selectedAccountTemplateId: string
+  onSelectedAccountTemplateId: (id: string) => void
   onItemsChange: (items: DraftLineItem[]) => void
   onKeyPointsChange: (points: DraftKeyPoint[]) => void
   onPaymentMethodsChange: (methods: DraftPaymentMethod[]) => void
   onAccountsChange: (accounts: DraftAccount[]) => void
   showItemTemplatePicker?: boolean
+  showAccountTemplatePicker?: boolean
 }
 
 export function InvoiceDraftFields({
   itemTemplates,
+  accountTemplates,
   items,
   keyPoints,
   paymentMethods,
   accounts,
   selectedItemTemplateId,
   onSelectedItemTemplateId,
+  selectedAccountTemplateId,
+  onSelectedAccountTemplateId,
   onItemsChange,
   onKeyPointsChange,
   onPaymentMethodsChange,
   onAccountsChange,
   showItemTemplatePicker = true,
+  showAccountTemplatePicker = true,
 }: Props) {
   function updateItem(key: string, patch: Partial<DraftLineItem>) {
     onItemsChange(items.map((item) => (item.key === key ? { ...item, ...patch } : item)))
@@ -74,6 +83,13 @@ export function InvoiceDraftFields({
     onSelectedItemTemplateId('')
   }
 
+  function addFromAccountTemplate() {
+    const template = accountTemplates.find((t) => t.id === selectedAccountTemplateId)
+    if (!template) return
+    onAccountsChange([...accounts, draftAccountFromAccountTemplate(template)])
+    onSelectedAccountTemplateId('')
+  }
+
   return (
     <>
       <div className={styles.itemsStack}>
@@ -314,14 +330,44 @@ export function InvoiceDraftFields({
       <div className={styles.blockSection}>
         <div className={styles.blockHeader}>
           <h4 className={styles.blockTitle}>Account numbers</h4>
-          <button
-            type="button"
-            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
-            onClick={() => onAccountsChange([...accounts, emptyDraftAccount()])}
-          >
-            <Plus size={16} />
-            Add account
-          </button>
+          <div className={styles.blockHeaderActions}>
+            {showAccountTemplatePicker ? (
+              <div className={styles.itemActionsLeft}>
+                <select
+                  id="account-template-pick"
+                  className={styles.compactSelect}
+                  value={selectedAccountTemplateId}
+                  onChange={(e) => onSelectedAccountTemplateId(e.target.value)}
+                  aria-label="Add from account template"
+                >
+                  <option value="">Add from account template…</option>
+                  {accountTemplates.map((template) => (
+                    <option key={template.id} value={template.id}>
+                      {template.bankName}
+                      {template.accountHolderName ? ` — ${template.accountHolderName}` : ''}
+                    </option>
+                  ))}
+                </select>
+                <button
+                  type="button"
+                  className={`${tableStyles.btn} ${tableStyles.btnGhost} ${styles.compactBtn}`}
+                  onClick={addFromAccountTemplate}
+                  disabled={!selectedAccountTemplateId}
+                >
+                  <Plus size={14} />
+                  Add
+                </button>
+              </div>
+            ) : null}
+            <button
+              type="button"
+              className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+              onClick={() => onAccountsChange([...accounts, emptyDraftAccount()])}
+            >
+              <Plus size={16} />
+              Add account
+            </button>
+          </div>
         </div>
         {accounts.length === 0 ? (
           <p className={styles.templateHint}>No bank accounts yet.</p>
diff --git a/apps/super-admin/src/pages/BusinessInvoicesPage.module.css b/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
index 2c0b2f4..113fd0c 100644
--- a/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
+++ b/apps/super-admin/src/pages/BusinessInvoicesPage.module.css
@@ -424,6 +424,15 @@
   justify-content: space-between;
   gap: 12px;
   margin-bottom: 10px;
+  flex-wrap: wrap;
+}
+
+.blockHeaderActions {
+  display: flex;
+  align-items: center;
+  gap: 8px;
+  flex-wrap: wrap;
+  justify-content: flex-end;
 }
 
 .blockTitle {
diff --git a/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx b/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx
index c54cea6..a467e10 100644
--- a/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx
+++ b/apps/super-admin/src/pages/InvoiceTemplateEditorPage.tsx
@@ -8,15 +8,17 @@ import { ApiError, isAbortError } from '../lib/api'
 import {
   createInvoiceTemplate,
   getInvoiceTemplate,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   updateInvoiceTemplate,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate } from '../types/invoice'
 import {
   buildAccountsPayload,
   buildKeyPointsPayload,
   buildPaymentMethodsPayload,
   buildTemplateItemsPayload,
+  defaultDraftPaymentMethods,
   draftsFromInvoiceTemplate,
   emptyDraftItem,
   type DraftAccount,
@@ -36,15 +38,19 @@ export function InvoiceTemplateEditorPage() {
   const { showToast } = useToast()
 
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [loading, setLoading] = useState(isEdit)
   const [error, setError] = useState('')
   const [name, setName] = useState('')
   const [topText, setTopText] = useState('')
   const [items, setItems] = useState<DraftLineItem[]>([emptyDraftItem()])
   const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
-  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>([])
+  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>(() =>
+    defaultDraftPaymentMethods(),
+  )
   const [accounts, setAccounts] = useState<DraftAccount[]>([])
   const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [selectedAccountTemplateId, setSelectedAccountTemplateId] = useState('')
   const [submitting, setSubmitting] = useState(false)
   const [formError, setFormError] = useState('')
 
@@ -55,8 +61,12 @@ export function InvoiceTemplateEditorPage() {
       setLoading(true)
       setError('')
       try {
-        const itemsRes = await listInvoiceItemTemplates(controller.signal)
+        const [itemsRes, accountsRes] = await Promise.all([
+          listInvoiceItemTemplates(controller.signal),
+          listInvoiceAccountTemplates(controller.signal),
+        ])
         setItemTemplates(itemsRes.items.filter((t) => t.isActive))
+        setAccountTemplates(accountsRes.items.filter((t) => t.isActive))
 
         if (templateId) {
           const template = await getInvoiceTemplate(templateId, controller.signal)
@@ -167,12 +177,15 @@ export function InvoiceTemplateEditorPage() {
 
           <InvoiceDraftFields
             itemTemplates={itemTemplates}
+            accountTemplates={accountTemplates}
             items={items}
             keyPoints={keyPoints}
             paymentMethods={paymentMethods}
             accounts={accounts}
             selectedItemTemplateId={selectedItemTemplateId}
             onSelectedItemTemplateId={setSelectedItemTemplateId}
+            selectedAccountTemplateId={selectedAccountTemplateId}
+            onSelectedAccountTemplateId={setSelectedAccountTemplateId}
             onItemsChange={setItems}
             onKeyPointsChange={setKeyPoints}
             onPaymentMethodsChange={setPaymentMethods}
diff --git a/apps/super-admin/src/pages/IssueInvoicePage.tsx b/apps/super-admin/src/pages/IssueInvoicePage.tsx
index 55145d3..dd33a73 100644
--- a/apps/super-admin/src/pages/IssueInvoicePage.tsx
+++ b/apps/super-admin/src/pages/IssueInvoicePage.tsx
@@ -9,16 +9,18 @@ import { getBusiness, type BusinessDetail } from '../services/businessService'
 import {
   createBusinessInvoice,
   getBusinessInvoice,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   listInvoiceTemplates,
   updateBusinessInvoice,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
+import type { InvoiceAccountTemplate, InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
 import {
   buildAccountsPayload,
   buildKeyPointsPayload,
   buildLineItemsPayload,
   buildPaymentMethodsPayload,
+  defaultDraftPaymentMethods,
   draftsFromInvoice,
   draftsFromInvoiceTemplate,
   emptyDraftItem,
@@ -48,6 +50,7 @@ export function IssueInvoicePage() {
 
   const [business, setBusiness] = useState<BusinessDetail | null>(null)
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
   const [loading, setLoading] = useState(true)
   const [error, setError] = useState('')
@@ -60,9 +63,12 @@ export function IssueInvoicePage() {
   const [notes, setNotes] = useState('')
   const [draftItems, setDraftItems] = useState<DraftLineItem[]>([emptyDraftItem()])
   const [keyPoints, setKeyPoints] = useState<DraftKeyPoint[]>([])
-  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>([])
+  const [paymentMethods, setPaymentMethods] = useState<DraftPaymentMethod[]>(() =>
+    defaultDraftPaymentMethods(),
+  )
   const [accounts, setAccounts] = useState<DraftAccount[]>([])
   const [selectedItemTemplateId, setSelectedItemTemplateId] = useState('')
+  const [selectedAccountTemplateId, setSelectedAccountTemplateId] = useState('')
   const [submitting, setSubmitting] = useState(false)
   const [formError, setFormError] = useState('')
 
@@ -87,13 +93,15 @@ export function IssueInvoicePage() {
       setError('')
       setLocked(false)
       try {
-        const [biz, items, templates] = await Promise.all([
+        const [biz, items, accountsRes, templates] = await Promise.all([
           getBusiness(businessId, controller.signal),
           listInvoiceItemTemplates(controller.signal),
+          listInvoiceAccountTemplates(controller.signal),
           listInvoiceTemplates(controller.signal),
         ])
         setBusiness(biz)
         setItemTemplates(items.items.filter((t) => t.isActive))
+        setAccountTemplates(accountsRes.items.filter((t) => t.isActive))
         setInvoiceTemplates(templates.items.filter((t) => t.isActive))
 
         if (invoiceId) {
@@ -113,6 +121,7 @@ export function IssueInvoicePage() {
           setPaymentMethods(drafts.paymentMethods)
           setAccounts(drafts.accounts)
           setSelectedItemTemplateId('')
+          setSelectedAccountTemplateId('')
         }
       } catch (err) {
         if (isAbortError(err)) return
@@ -134,9 +143,10 @@ export function IssueInvoicePage() {
     setNotes('')
     setDraftItems([emptyDraftItem()])
     setKeyPoints([])
-    setPaymentMethods([])
+    setPaymentMethods(defaultDraftPaymentMethods())
     setAccounts([])
     setSelectedItemTemplateId('')
+    setSelectedAccountTemplateId('')
     setFormError('')
   }
 
@@ -158,6 +168,7 @@ export function IssueInvoicePage() {
     setPaymentMethods(drafts.paymentMethods)
     setAccounts(drafts.accounts)
     setSelectedItemTemplateId('')
+    setSelectedAccountTemplateId('')
     setFormError('')
   }
 
@@ -306,12 +317,15 @@ export function IssueInvoicePage() {
 
           <InvoiceDraftFields
             itemTemplates={itemTemplates}
+            accountTemplates={accountTemplates}
             items={draftItems}
             keyPoints={keyPoints}
             paymentMethods={paymentMethods}
             accounts={accounts}
             selectedItemTemplateId={selectedItemTemplateId}
             onSelectedItemTemplateId={setSelectedItemTemplateId}
+            selectedAccountTemplateId={selectedAccountTemplateId}
+            onSelectedAccountTemplateId={setSelectedAccountTemplateId}
             onItemsChange={setDraftItems}
             onKeyPointsChange={setKeyPoints}
             onPaymentMethodsChange={setPaymentMethods}
diff --git a/apps/super-admin/src/pages/SettingsPage.module.css b/apps/super-admin/src/pages/SettingsPage.module.css
index c7f46f0..b11be2c 100644
--- a/apps/super-admin/src/pages/SettingsPage.module.css
+++ b/apps/super-admin/src/pages/SettingsPage.module.css
@@ -17,22 +17,47 @@
   align-items: flex-start;
   justify-content: space-between;
   gap: 16px;
-  margin-bottom: 14px;
+  margin-bottom: 0;
+}
+
+.sectionToggle {
+  display: flex;
+  align-items: flex-start;
+  gap: 8px;
+  flex: 1;
+  min-width: 0;
+  padding: 0;
+  border: 0;
+  background: transparent;
+  text-align: inherit;
+  cursor: pointer;
+  color: inherit;
+}
+
+.sectionChevron {
+  display: inline-flex;
+  align-items: center;
+  justify-content: center;
+  margin-top: 2px;
+  color: var(--text-secondary);
+  transition: transform 0.18s ease;
+  flex-shrink: 0;
+}
+
+.sectionChevronOpen {
+  transform: rotate(180deg);
 }
 
 .sectionTitleRow {
   display: flex;
   align-items: flex-start;
   gap: 10px;
-}
-
-.sectionTitleRow svg {
-  margin-top: 2px;
   color: var(--primary);
-  flex-shrink: 0;
+  min-width: 0;
 }
 
 .sectionTitle {
+  display: block;
   margin: 0 0 4px;
   font-size: 16px;
   font-weight: 700;
@@ -40,11 +65,32 @@
 }
 
 .sectionSubtitle {
+  display: block;
   margin: 0;
   font-size: 13px;
   color: var(--text-secondary);
 }
 
+.sectionAction {
+  flex-shrink: 0;
+}
+
+.sectionBody {
+  margin-top: 14px;
+}
+
+.srOnly {
+  position: absolute;
+  width: 1px;
+  height: 1px;
+  padding: 0;
+  margin: -1px;
+  overflow: hidden;
+  clip: rect(0, 0, 0, 0);
+  white-space: nowrap;
+  border: 0;
+}
+
 .itemTitle {
   font-weight: 600;
 }
diff --git a/apps/super-admin/src/pages/SettingsPage.tsx b/apps/super-admin/src/pages/SettingsPage.tsx
index 3263120..4a21df8 100644
--- a/apps/super-admin/src/pages/SettingsPage.tsx
+++ b/apps/super-admin/src/pages/SettingsPage.tsx
@@ -1,6 +1,15 @@
-import { useEffect, useState } from 'react'
+import { useEffect, useState, type ReactNode } from 'react'
 import { Link, useNavigate } from 'react-router-dom'
-import { FileStack, FileText, Pencil, Plus, Settings as SettingsIcon, Trash2 } from 'lucide-react'
+import {
+  ChevronDown,
+  FileStack,
+  FileText,
+  Landmark,
+  Pencil,
+  Plus,
+  Settings as SettingsIcon,
+  Trash2,
+} from 'lucide-react'
 import { ConfirmDeleteModal } from '../components/ConfirmDeleteModal'
 import { EmptyTableRow } from '../components/EmptyState'
 import { Modal } from '../components/Modal'
@@ -8,19 +17,29 @@ import { isEmptyRichText, richTextToPlain } from '../components/RichTextEditor'
 import { useToast } from '../context/ToastContext'
 import { ApiError, isAbortError } from '../lib/api'
 import {
+  createInvoiceAccountTemplate,
   createInvoiceItemTemplate,
+  deleteInvoiceAccountTemplate,
   deleteInvoiceItemTemplate,
   deleteInvoiceTemplate,
+  listInvoiceAccountTemplates,
   listInvoiceItemTemplates,
   listInvoiceTemplates,
+  updateInvoiceAccountTemplate,
   updateInvoiceItemTemplate,
 } from '../services/invoiceService'
-import type { InvoiceItemTemplate, InvoiceTemplate } from '../types/invoice'
+import type {
+  InvoiceAccountTemplate,
+  InvoiceItemTemplate,
+  InvoiceTemplate,
+} from '../types/invoice'
 import { formatIrtInput, formatIrtPrice, parseIrtInput } from '../utils/irtPrice'
 import pageStyles from '../components/PageContent.module.css'
 import tableStyles from './BusinessesPage.module.css'
 import styles from './SettingsPage.module.css'
 
+type SectionId = 'templates' | 'items' | 'accounts'
+
 type ItemDraft = {
   title: string
   duration: string
@@ -30,6 +49,13 @@ type ItemDraft = {
   discountedPrice: string
 }
 
+type AccountDraft = {
+  bankName: string
+  accountHolderName: string
+  cardNumber: string
+  iban: string
+}
+
 const EMPTY_ITEM_DRAFT: ItemDraft = {
   title: '',
   duration: '',
@@ -39,6 +65,13 @@ const EMPTY_ITEM_DRAFT: ItemDraft = {
   discountedPrice: '',
 }
 
+const EMPTY_ACCOUNT_DRAFT: AccountDraft = {
+  bankName: '',
+  accountHolderName: '',
+  cardNumber: '',
+  iban: '',
+}
+
 function itemDraftFromTemplate(t: InvoiceItemTemplate): ItemDraft {
   return {
     title: t.title,
@@ -76,10 +109,83 @@ function itemDraftToPayload(draft: ItemDraft) {
   }
 }
 
+function accountDraftFromTemplate(t: InvoiceAccountTemplate): AccountDraft {
+  return {
+    bankName: t.bankName,
+    accountHolderName: t.accountHolderName ?? '',
+    cardNumber: t.cardNumber ?? '',
+    iban: t.iban ?? '',
+  }
+}
+
+function accountDraftToPayload(draft: AccountDraft) {
+  if (!draft.bankName.trim()) throw new Error('Bank name is required.')
+  return {
+    bankName: draft.bankName.trim(),
+    accountHolderName: draft.accountHolderName.trim() || undefined,
+    cardNumber: draft.cardNumber.trim() || undefined,
+    iban: draft.iban.trim() || undefined,
+  }
+}
+
+function CollapsibleSection({
+  id,
+  open,
+  onToggle,
+  icon,
+  title,
+  subtitle,
+  action,
+  children,
+}: {
+  id: SectionId
+  open: boolean
+  onToggle: () => void
+  icon: ReactNode
+  title: string
+  subtitle: string
+  action?: ReactNode
+  children: ReactNode
+}) {
+  return (
+    <section className={`${styles.section} ${id !== 'templates' ? styles.sectionSpaced : ''}`}>
+      <div className={styles.sectionHeader}>
+        <button
+          type="button"
+          className={styles.sectionToggle}
+          onClick={onToggle}
+          aria-expanded={open}
+          aria-controls={`settings-invoice-section-${id}`}
+        >
+          <span className={`${styles.sectionChevron} ${open ? styles.sectionChevronOpen : ''}`}>
+            <ChevronDown size={18} />
+          </span>
+          <span className={styles.sectionTitleRow}>
+            {icon}
+            <span>
+              <span className={styles.sectionTitle}>{title}</span>
+              <span className={styles.sectionSubtitle}>{subtitle}</span>
+            </span>
+          </span>
+          <span className={styles.srOnly}>{open ? 'Hide list' : 'Show list'}</span>
+        </button>
+        {open && action ? <div className={styles.sectionAction}>{action}</div> : null}
+      </div>
+      {open ? (
+        <div id={`settings-invoice-section-${id}`} className={styles.sectionBody}>
+          {children}
+        </div>
+      ) : null}
+    </section>
+  )
+}
+
 export function SettingsPage() {
   const navigate = useNavigate()
   const { showToast } = useToast()
+  const [openSection, setOpenSection] = useState<SectionId | null>('templates')
   const [itemTemplates, setItemTemplates] = useState<InvoiceItemTemplate[]>([])
+  const [accountTemplates, setAccountTemplates] = useState<InvoiceAccountTemplate[]>([])
   const [invoiceTemplates, setInvoiceTemplates] = useState<InvoiceTemplate[]>([])
   const [loading, setLoading] = useState(false)
   const [error, setError] = useState('')
@@ -92,15 +198,30 @@ export function SettingsPage() {
   const [removeItemTarget, setRemoveItemTarget] = useState<InvoiceItemTemplate | null>(null)
   const [removeTplTarget, setRemoveTplTarget] = useState<InvoiceTemplate | null>(null)
 
+  const [accountEditorOpen, setAccountEditorOpen] = useState(false)
+  const [editingAccount, setEditingAccount] = useState<InvoiceAccountTemplate | null>(null)
+  const [accountDraft, setAccountDraft] = useState<AccountDraft>(EMPTY_ACCOUNT_DRAFT)
+  const [accountSubmitting, setAccountSubmitting] = useState(false)
+  const [accountFormError, setAccountFormError] = useState('')
+  const [removeAccountTarget, setRemoveAccountTarget] = useState<InvoiceAccountTemplate | null>(
+    null,
+  )
+
+  function toggleSection(id: SectionId) {
+    setOpenSection((current) => (current === id ? null : id))
+  }
+
   async function reload(signal?: AbortSignal) {
     setLoading(true)
     setError('')
     try {
-      const [items, templates] = await Promise.all([
+      const [items, accounts, templates] = await Promise.all([
         listInvoiceItemTemplates(signal),
+        listInvoiceAccountTemplates(signal),
         listInvoiceTemplates(signal),
       ])
       setItemTemplates(items.items)
+      setAccountTemplates(accounts.items)
       setInvoiceTemplates(templates.items)
     } catch (err) {
       if (isAbortError(err)) return
@@ -181,6 +302,61 @@ export function SettingsPage() {
     }
   }
 
+  function openCreateAccount() {
+    setEditingAccount(null)
+    setAccountDraft(EMPTY_ACCOUNT_DRAFT)
+    setAccountFormError('')
+    setAccountEditorOpen(true)
+  }
+
+  function openEditAccount(template: InvoiceAccountTemplate) {
+    setEditingAccount(template)
+    setAccountDraft(accountDraftFromTemplate(template))
+    setAccountFormError('')
+    setAccountEditorOpen(true)
+  }
+
+  async function handleSaveAccount() {
+    setAccountFormError('')
+    let payload
+    try {
+      payload = accountDraftToPayload(accountDraft)
+    } catch (err) {
+      setAccountFormError(err instanceof Error ? err.message : 'Invalid form.')
+      return
+    }
+    setAccountSubmitting(true)
+    try {
+      if (editingAccount) {
+        await updateInvoiceAccountTemplate(editingAccount.id, payload)
+        showToast('Bank account template updated.', 'success')
+      } else {
+        await createInvoiceAccountTemplate(payload)
+        showToast('Bank account template created.', 'success')
+      }
+      setAccountEditorOpen(false)
+      await reload()
+    } catch (err) {
+      setAccountFormError(
+        err instanceof ApiError ? err.message : 'Unable to save bank account template.',
+      )
+    } finally {
+      setAccountSubmitting(false)
+    }
+  }
+
+  async function handleRemoveAccount() {
+    if (!removeAccountTarget) return
+    try {
+      await deleteInvoiceAccountTemplate(removeAccountTarget.id)
+      showToast('Bank account template removed.', 'success')
+      setRemoveAccountTarget(null)
+      await reload()
+    } catch (err) {
+      showToast(err instanceof ApiError ? err.message : 'Unable to remove bank account.', 'error')
+    }
+  }
+
   return (
     <main className={pageStyles.content}>
       <div className={pageStyles.pageHeader}>
@@ -194,18 +370,14 @@ export function SettingsPage() {
 
       {error ? <p className={styles.alertError}>{error}</p> : null}
 
-      <section className={styles.section}>
-        <div className={styles.sectionHeader}>
-          <div className={styles.sectionTitleRow}>
-            <FileStack size={18} />
-            <div>
-              <h3 className={styles.sectionTitle}>Invoice templates</h3>
-              <p className={styles.sectionSubtitle}>
-                Full blueprints (name, top text, items, key points, bank accounts) used when issuing
-                invoices to businesses. Pick one and edit, or start blank.
-              </p>
-            </div>
-          </div>
+      <CollapsibleSection
+        id="templates"
+        open={openSection === 'templates'}
+        onToggle={() => toggleSection('templates')}
+        icon={<FileStack size={18} />}
+        title="Invoice templates"
+        subtitle="Full blueprints (name, top text, items, key points, bank accounts) used when issuing invoices to businesses. Pick one and edit, or start blank."
+        action={
           <button
             type="button"
             className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
@@ -214,8 +386,8 @@ export function SettingsPage() {
             <Plus size={16} />
             Add template
           </button>
-        </div>
-
+        }
+      >
         <div className={tableStyles.tableWrap}>
           <div className={tableStyles.tableHeader}>
             <div className={tableStyles.tableHeaderTitle}>Templates</div>
@@ -250,7 +422,10 @@ export function SettingsPage() {
                   <td className={tableStyles.td}>
                     <div className={styles.itemTitle}>{template.name}</div>
                     {template.topText && !isEmptyRichText(template.topText) ? (
-                      <div className={`${tableStyles.subText} ${styles.topTextPreview}`} title={richTextToPlain(template.topText)}>
+                      <div
+                        className={`${tableStyles.subText} ${styles.topTextPreview}`}
+                        title={richTextToPlain(template.topText)}
+                      >
                         {richTextToPlain(template.topText)}
                       </div>
                     ) : null}
@@ -285,19 +460,16 @@ export function SettingsPage() {
             </tbody>
           </table>
         </div>
-      </section>
+      </CollapsibleSection>
 
-      <section className={`${styles.section} ${styles.sectionSpaced}`}>
-        <div className={styles.sectionHeader}>
-          <div className={styles.sectionTitleRow}>
-            <FileText size={18} />
-            <div>
-              <h3 className={styles.sectionTitle}>Invoice item templates</h3>
-              <p className={styles.sectionSubtitle}>
-                Reusable line items you can drop into invoice templates or when issuing an invoice.
-              </p>
-            </div>
-          </div>
+      <CollapsibleSection
+        id="items"
+        open={openSection === 'items'}
+        onToggle={() => toggleSection('items')}
+        icon={<FileText size={18} />}
+        title="Invoice item templates"
+        subtitle="Reusable line items you can drop into invoice templates or when issuing an invoice."
+        action={
           <button
             type="button"
             className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
@@ -306,8 +478,8 @@ export function SettingsPage() {
             <Plus size={16} />
             Add item
           </button>
-        </div>
-
+        }
+      >
         <div className={tableStyles.tableWrap}>
           <div className={tableStyles.tableHeader}>
             <div className={tableStyles.tableHeaderTitle}>Predefined line items</div>
@@ -381,7 +553,91 @@ export function SettingsPage() {
             </tbody>
           </table>
         </div>
-      </section>
+      </CollapsibleSection>
+
+      <CollapsibleSection
+        id="accounts"
+        open={openSection === 'accounts'}
+        onToggle={() => toggleSection('accounts')}
+        icon={<Landmark size={18} />}
+        title="Bank account templates"
+        subtitle="Reusable bank accounts you can drop into invoice templates or when issuing an invoice."
+        action={
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+            onClick={openCreateAccount}
+          >
+            <Plus size={16} />
+            Add account
+          </button>
+        }
+      >
+        <div className={tableStyles.tableWrap}>
+          <div className={tableStyles.tableHeader}>
+            <div className={tableStyles.tableHeaderTitle}>Bank accounts</div>
+            <div className={tableStyles.meta}>
+              {loading
+                ? 'Loading…'
+                : `${accountTemplates.length} account${accountTemplates.length === 1 ? '' : 's'}`}
+            </div>
+          </div>
+          <table className={tableStyles.table}>
+            <thead>
+              <tr>
+                <th className={tableStyles.th}>Bank</th>
+                <th className={tableStyles.th}>Account holder</th>
+                <th className={tableStyles.th}>Card number</th>
+                <th className={tableStyles.th}>IBAN</th>
+                <th className={`${tableStyles.th} ${tableStyles.thActions}`}>Actions</th>
+              </tr>
+            </thead>
+            <tbody>
+              {!loading && accountTemplates.length === 0 ? (
+                <EmptyTableRow
+                  colSpan={5}
+                  icon={Landmark}
+                  message="No bank account templates yet. Add one to reuse when building invoices."
+                  actionLabel="Add account"
+                  onAction={openCreateAccount}
+                />
+              ) : null}
+              {accountTemplates.map((template) => (
+                <tr key={template.id}>
+                  <td className={tableStyles.td}>
+                    <div className={styles.itemTitle}>{template.bankName}</div>
+                  </td>
+                  <td className={tableStyles.td}>{template.accountHolderName || '—'}</td>
+                  <td className={tableStyles.td}>{template.cardNumber || '—'}</td>
+                  <td className={tableStyles.td}>{template.iban || '—'}</td>
+                  <td className={`${tableStyles.td} ${tableStyles.tdActions}`}>
+                    <div className={tableStyles.rowActions}>
+                      <button
+                        type="button"
+                        className={tableStyles.controlBtn}
+                        onClick={() => openEditAccount(template)}
+                        title="Edit"
+                        aria-label="Edit"
+                      >
+                        <Pencil size={16} />
+                      </button>
+                      <button
+                        type="button"
+                        className={`${tableStyles.controlBtn} ${tableStyles.controlBtnDanger}`}
+                        onClick={() => setRemoveAccountTarget(template)}
+                        title="Remove"
+                        aria-label="Remove"
+                      >
+                        <Trash2 size={16} />
+                      </button>
+                    </div>
+                  </td>
+                </tr>
+              ))}
+            </tbody>
+          </table>
+        </div>
+      </CollapsibleSection>
 
       <p className={styles.hint}>
         Tip: open a business from <Link to="/businesses">Businesses</Link> to issue an invoice from a
@@ -478,6 +734,77 @@ export function SettingsPage() {
         </div>
       </Modal>
 
+      <Modal
+        open={accountEditorOpen}
+        title={editingAccount ? 'Edit bank account template' : 'Add bank account template'}
+        onClose={() => !accountSubmitting && setAccountEditorOpen(false)}
+        wide
+      >
+        <div className={styles.formGrid}>
+          <div className={`${tableStyles.field} ${styles.span2}`}>
+            <label htmlFor="account-bank">Bank name</label>
+            <input
+              id="account-bank"
+              value={accountDraft.bankName}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, bankName: e.target.value }))}
+              placeholder="e.g. Mellat"
+            />
+          </div>
+          <div className={`${tableStyles.field} ${styles.span2}`}>
+            <label htmlFor="account-holder">Account holder</label>
+            <input
+              id="account-holder"
+              value={accountDraft.accountHolderName}
+              onChange={(e) =>
+                setAccountDraft((d) => ({ ...d, accountHolderName: e.target.value }))
+              }
+              placeholder="Optional"
+            />
+          </div>
+          <div className={tableStyles.field}>
+            <label htmlFor="account-card">Card number</label>
+            <input
+              id="account-card"
+              value={accountDraft.cardNumber}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, cardNumber: e.target.value }))}
+              placeholder="Optional"
+            />
+          </div>
+          <div className={tableStyles.field}>
+            <label htmlFor="account-iban">IBAN</label>
+            <input
+              id="account-iban"
+              value={accountDraft.iban}
+              onChange={(e) => setAccountDraft((d) => ({ ...d, iban: e.target.value }))}
+              placeholder="Optional"
+            />
+          </div>
+        </div>
+        {accountFormError ? <p className={styles.alertError}>{accountFormError}</p> : null}
+        <div className={tableStyles.actionsRow}>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnGhost}`}
+            onClick={() => setAccountEditorOpen(false)}
+            disabled={accountSubmitting}
+          >
+            Cancel
+          </button>
+          <button
+            type="button"
+            className={`${tableStyles.btn} ${tableStyles.btnPrimary}`}
+            onClick={() => void handleSaveAccount()}
+            disabled={accountSubmitting}
+          >
+            {accountSubmitting
+              ? 'Saving…'
+              : editingAccount
+                ? 'Save changes'
+                : 'Create account'}
+          </button>
+        </div>
+      </Modal>
+
       <ConfirmDeleteModal
         open={!!removeTplTarget}
         title="Remove invoice template"
@@ -501,6 +828,18 @@ export function SettingsPage() {
         onCancel={() => setRemoveItemTarget(null)}
         onConfirm={() => void handleRemoveItem()}
       />
+
+      <ConfirmDeleteModal
+        open={!!removeAccountTarget}
+        title="Remove bank account template"
+        message={
+          removeAccountTarget
+            ? `Remove “${removeAccountTarget.bankName}” from bank account templates?`
+            : ''
+        }
+        onCancel={() => setRemoveAccountTarget(null)}
+        onConfirm={() => void handleRemoveAccount()}
+      />
     </main>
   )
 }
diff --git a/apps/super-admin/src/services/invoiceService.ts b/apps/super-admin/src/services/invoiceService.ts
index 8c5f2a6..6a0488e 100644
--- a/apps/super-admin/src/services/invoiceService.ts
+++ b/apps/super-admin/src/services/invoiceService.ts
@@ -1,9 +1,12 @@
 import { apiRequest } from '../lib/api'
 import type {
+  CreateInvoiceAccountTemplatePayload,
   CreateInvoiceItemTemplatePayload,
   CreateInvoicePayload,
   CreateInvoiceTemplatePayload,
   Invoice,
+  InvoiceAccountTemplate,
+  InvoiceAccountTemplatesResponse,
   InvoiceItemTemplate,
   InvoiceItemTemplatesResponse,
   InvoiceStatus,
@@ -11,6 +14,7 @@ import type {
   InvoiceTemplatesListResponse,
   InvoicesListResponse,
   PublicInvoice,
+  UpdateInvoiceAccountTemplatePayload,
   UpdateInvoiceItemTemplatePayload,
   UpdateInvoicePayload,
   UpdateInvoiceTemplatePayload,
@@ -49,6 +53,39 @@ export function deleteInvoiceItemTemplate(templateId: string) {
   })
 }
 
+export function listInvoiceAccountTemplates(signal?: AbortSignal) {
+  return apiRequest<InvoiceAccountTemplatesResponse>('/invoice-account-templates', {
+    auth: true,
+    signal,
+  })
+}
+
+export function createInvoiceAccountTemplate(payload: CreateInvoiceAccountTemplatePayload) {
+  return apiRequest<InvoiceAccountTemplate>('/invoice-account-templates', {
+    method: 'POST',
+    auth: true,
+    body: payload,
+  })
+}
+
+export function updateInvoiceAccountTemplate(
+  templateId: string,
+  payload: UpdateInvoiceAccountTemplatePayload,
+) {
+  return apiRequest<InvoiceAccountTemplate>(`/invoice-account-templates/${templateId}`, {
+    method: 'PATCH',
+    auth: true,
+    body: payload,
+  })
+}
+
+export function deleteInvoiceAccountTemplate(templateId: string) {
+  return apiRequest<{ ok: boolean }>(`/invoice-account-templates/${templateId}`, {
+    method: 'DELETE',
+    auth: true,
+  })
+}
+
 export function listInvoiceTemplates(signal?: AbortSignal) {
   return apiRequest<InvoiceTemplatesListResponse>('/invoice-templates', {
     auth: true,
diff --git a/apps/super-admin/src/types/invoice.ts b/apps/super-admin/src/types/invoice.ts
index c727ed6..29d44fe 100644
--- a/apps/super-admin/src/types/invoice.ts
+++ b/apps/super-admin/src/types/invoice.ts
@@ -16,6 +16,20 @@ export interface InvoiceItemTemplate {
   updatedAt: string
 }
 
+export interface InvoiceAccountTemplate {
+  id: string
+  ownerScope: 'platform' | 'business'
+  businessId: string | null
+  bankName: string
+  accountHolderName: string | null
+  cardNumber: string | null
+  iban: string | null
+  sortOrder: number
+  isActive: boolean
+  createdAt: string
+  updatedAt: string
+}
+
 export interface InvoiceItem {
   id: string
   invoiceId: string
@@ -222,6 +236,10 @@ export interface InvoiceItemTemplatesResponse {
   items: InvoiceItemTemplate[]
 }
 
+export interface InvoiceAccountTemplatesResponse {
+  items: InvoiceAccountTemplate[]
+}
+
 export interface InvoiceTemplatesListResponse {
   items: InvoiceTemplate[]
 }
@@ -248,5 +266,17 @@ export type UpdateInvoiceItemTemplatePayload = Partial<CreateInvoiceItemTemplate
   isActive?: boolean
 }
 
+export interface CreateInvoiceAccountTemplatePayload {
+  bankName: string
+  accountHolderName?: string
+  cardNumber?: string
+  iban?: string
+  sortOrder?: number
+}
+
+export type UpdateInvoiceAccountTemplatePayload = Partial<CreateInvoiceAccountTemplatePayload> & {
+  isActive?: boolean
+}
+
 /** @deprecated use InvoiceItemTemplatesResponse */
 export type InvoiceTemplatesResponse = InvoiceItemTemplatesResponse
diff --git a/apps/super-admin/src/utils/invoiceDraft.ts b/apps/super-admin/src/utils/invoiceDraft.ts
index 17191f1..6abc3ba 100644
--- a/apps/super-admin/src/utils/invoiceDraft.ts
+++ b/apps/super-admin/src/utils/invoiceDraft.ts
@@ -1,6 +1,7 @@
 import { formatIrtInput, parseIrtInput } from '../utils/irtPrice'
 import type {
   InvoiceAccountInput,
+  InvoiceAccountTemplate,
   InvoiceItemInput,
   InvoiceItemTemplate,
   InvoiceKeyPointInput,
@@ -32,6 +33,10 @@ export type DraftAccount = {
   iban: string
 }
 
+/** Default free-text payment row shown on new invoice / template drafts. */
+export const DEFAULT_PAYMENT_METHOD_TEXT =
+  'مبلغ ۱.۰۰۰.۰۰۰ تومان پیش پرداخت در تاریخ ۱۰-۱۰-۱۴۱۰ به صورت نقدی'
+
 export function newKey() {
   return `${Date.now()}-${Math.random().toString(36).slice(2, 8)}`
 }
@@ -52,8 +57,12 @@ export function emptyDraftKeyPoint(): DraftKeyPoint {
   return { key: newKey(), text: '' }
 }
 
-export function emptyDraftPaymentMethod(): DraftPaymentMethod {
-  return { key: newKey(), text: '' }
+export function emptyDraftPaymentMethod(text = ''): DraftPaymentMethod {
+  return { key: newKey(), text }
+}
+
+export function defaultDraftPaymentMethods(): DraftPaymentMethod[] {
+  return [emptyDraftPaymentMethod(DEFAULT_PAYMENT_METHOD_TEXT)]
 }
 
 export function emptyDraftAccount(): DraftAccount {
@@ -76,6 +85,16 @@ export function draftItemFromItemTemplate(template: InvoiceItemTemplate): DraftL
   }
 }
 
+export function draftAccountFromAccountTemplate(template: InvoiceAccountTemplate): DraftAccount {
+  return {
+    key: newKey(),
+    bankName: template.bankName,
+    accountHolderName: template.accountHolderName ?? '',
+    cardNumber: template.cardNumber ?? '',
+    iban: template.iban ?? '',
+  }
+}
+
 export function draftsFromInvoiceTemplate(template: InvoiceTemplate): {
   name: string
   topText: string