diff --git a/app/controllers/transactions_controller.rb b/app/controllers/transactions_controller.rb
index fbcd89c189..4d645b1a50 100644
--- a/app/controllers/transactions_controller.rb
+++ b/app/controllers/transactions_controller.rb
@@ -371,7 +371,7 @@ def update_preferences
   end
 
   def exchange_rate
-    account = Current.family.accounts.find(params[:account_id])
+    account = Current.user.accessible_accounts.find(params[:account_id])
     currency_from = params[:currency]
     date = params[:date]&.to_date || Date.current
 
diff --git a/app/views/import/uploads/show.html.erb b/app/views/import/uploads/show.html.erb
index 7cf51d6514..e6622bbdc7 100644
--- a/app/views/import/uploads/show.html.erb
+++ b/app/views/import/uploads/show.html.erb
@@ -56,7 +56,7 @@
 
     <%= styled_form_with model: @import, scope: :import, url: import_upload_path(@import), multipart: true, class: "space-y-4" do |form| %>
       <%= form.select :account_id,
-            @import.family.accounts.visible.alphabetically.pluck(:name, :id),
+            accessible_accounts.visible.alphabetically.pluck(:name, :id),
             { label: t(".qif_account_label"), include_blank: t(".qif_account_placeholder"), selected: @import.account_id },
             required: true %>
 
@@ -112,7 +112,7 @@
             <%= form.select :col_sep, Import.separator_options, label: true %>
 
             <% if @import.type == "TransactionImport" || @import.type == "TradeImport" %>
-              <%= form.select :account_id, @import.family.accounts.visible.alphabetically.pluck(:name, :id), { label: t(".account_optional_label"), include_blank: t(".multi_account_import"), selected: @import.account_id } %>
+              <%= form.select :account_id, accessible_accounts.visible.alphabetically.pluck(:name, :id), { label: t(".account_optional_label"), include_blank: t(".multi_account_import"), selected: @import.account_id } %>
             <% end %>
 
             <label for="import_import_file_csv" class="flex flex-col items-center justify-center w-full h-64 border border-secondary border-dashed rounded-xl cursor-pointer" data-controller="file-upload" data-file-upload-target="uploadArea">
@@ -144,7 +144,7 @@
             <%= form.select :col_sep, Import.separator_options, label: true %>
 
             <% if @import.type == "TransactionImport" || @import.type == "TradeImport" %>
-              <%= form.select :account_id, @import.family.accounts.visible.alphabetically.pluck(:name, :id), { label: t(".account_optional_label"), include_blank: t(".multi_account_import"), selected: @import.account_id } %>
+              <%= form.select :account_id, accessible_accounts.visible.alphabetically.pluck(:name, :id), { label: t(".account_optional_label"), include_blank: t(".multi_account_import"), selected: @import.account_id } %>
             <% end %>
 
             <%= form.text_area :raw_file_str,
diff --git a/app/views/transactions/_form.html.erb b/app/views/transactions/_form.html.erb
index 722adf5ee6..6e49a55b2a 100644
--- a/app/views/transactions/_form.html.erb
+++ b/app/views/transactions/_form.html.erb
@@ -1,6 +1,6 @@
 <%# locals: (entry:, categories:) %>
 
-<% account_currencies = Current.family.accounts.map { |a| [a.id, a.currency] }.to_h.to_json %>
+<% account_currencies = accessible_accounts.pluck(:id, :currency).to_h.to_json %>
 <%= styled_form_with model: entry, url: transactions_path, class: "space-y-4", data: { controller: "transaction-form", transaction_form_exchange_rate_url_value: exchange_rate_path, transaction_form_account_currencies_value: account_currencies } do |f| %>
   <% if entry.errors.any? %>
     <%= render "shared/form_errors", model: entry %>
diff --git a/app/views/transfers/_form.html.erb b/app/views/transfers/_form.html.erb
index a7696692a9..2cae86928a 100644
--- a/app/views/transfers/_form.html.erb
+++ b/app/views/transfers/_form.html.erb
@@ -1,4 +1,4 @@
-<% account_currencies = Current.family.accounts.map { |a| [a.id, a.currency] }.to_h.to_json %>
+<% account_currencies = accessible_accounts.pluck(:id, :currency).to_h.to_json %>
 <%= styled_form_with model: transfer, class: "space-y-4", data: { turbo_frame: "_top", controller: "transfer-form", transfer_form_exchange_rate_url_value: exchange_rate_path, transfer_form_account_currencies_value: account_currencies } do |f| %>
   <% if transfer.errors.present? %>
     <div class="text-destructive flex items-center gap-2">
diff --git a/test/controllers/import/uploads_controller_test.rb b/test/controllers/import/uploads_controller_test.rb
index 6aa3be8b63..0005893e24 100644
--- a/test/controllers/import/uploads_controller_test.rb
+++ b/test/controllers/import/uploads_controller_test.rb
@@ -11,6 +11,19 @@ class Import::UploadsControllerTest < ActionDispatch::IntegrationTest
     assert_response :success
   end
 
+  test "csv upload dropdown only lists accounts accessible to the signed-in user" do
+    # family_member has shares for :depository (full_control) and :credit_card (read_only)
+    # but not for :investment, owned by family_admin. The optional account dropdown
+    # in the CSV upload form must not leak unshared account names.
+    sign_in users(:family_member)
+
+    get import_upload_url(@import)
+
+    assert_response :success
+    assert_includes response.body, accounts(:depository).name
+    refute_includes response.body, accounts(:investment).name
+  end
+
   test "uploads valid csv by copy and pasting" do
     patch import_upload_url(@import), params: {
       import: {
diff --git a/test/controllers/transactions_controller_test.rb b/test/controllers/transactions_controller_test.rb
index a6c2e2a050..f03d8a2149 100644
--- a/test/controllers/transactions_controller_test.rb
+++ b/test/controllers/transactions_controller_test.rb
@@ -380,6 +380,21 @@ class TransactionsControllerTest < ActionDispatch::IntegrationTest
     assert_not entry.protected_from_sync?
   end
 
+  test "new only exposes account ids accessible to the signed-in user" do
+    # family_member has shares for :depository (full_control) and :credit_card (read_only)
+    # but not for :investment or :loan. The currency JSON map at the top of the
+    # form should not leak ids/currencies of unshared accounts.
+    sign_in users(:family_member)
+
+    get new_transaction_url
+
+    assert_response :success
+    assert_includes response.body, accounts(:depository).id.to_s
+    assert_includes response.body, accounts(:credit_card).id.to_s
+    refute_includes response.body, accounts(:investment).id.to_s
+    refute_includes response.body, accounts(:loan).id.to_s
+  end
+
   test "new with duplicate_entry_id pre-fills form from source transaction" do
     @entry.reload
 
diff --git a/test/controllers/transfers_controller_test.rb b/test/controllers/transfers_controller_test.rb
index 544b100572..e654f7de28 100644
--- a/test/controllers/transfers_controller_test.rb
+++ b/test/controllers/transfers_controller_test.rb
@@ -10,6 +10,19 @@ class TransfersControllerTest < ActionDispatch::IntegrationTest
     assert_response :success
   end
 
+  test "new only exposes accounts accessible to the signed-in user" do
+    # family_member has shares for :depository (full_control) and :credit_card (read_only)
+    # but not for :investment or :loan, which are owned solely by family_admin.
+    sign_in users(:family_member)
+
+    get new_transfer_url
+
+    assert_response :success
+    assert_includes response.body, accounts(:depository).id.to_s
+    refute_includes response.body, accounts(:investment).id.to_s
+    refute_includes response.body, accounts(:loan).id.to_s
+  end
+
   test "can create transfers" do
     assert_difference "Transfer.count", 1 do
       post transfers_url, params: {