diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/account/domain/enums/AccountType.java b/smart-switch-service/src/main/java/com/ruoyi/ss/account/domain/enums/AccountType.java
index fde57c4f..3cfbf2f3 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/account/domain/enums/AccountType.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/account/domain/enums/AccountType.java
@@ -32,7 +32,7 @@ public enum AccountType {
                 return obj;
             }
         }
-        throw new RuntimeException("不存在值为" + type + "的账户类型");
+        return null;
     }
 
     public static AccountType parseByChannel(Long channelId) {
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/AccountService.java b/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/AccountService.java
index d21ac2cf..376a299d 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/AccountService.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/AccountService.java
@@ -99,4 +99,9 @@ public interface AccountService
      * 查询一个
      */
     AccountVO selectOne(AccountQuery query);
+
+    /**
+     * 根据用户查询
+     */
+    List<AccountVO> selectByUserId(Long userId);
 }
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/impl/AccountServiceImpl.java b/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/impl/AccountServiceImpl.java
index ff5738cc..18642aa1 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/impl/AccountServiceImpl.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/account/service/impl/AccountServiceImpl.java
@@ -201,6 +201,16 @@ public class AccountServiceImpl implements AccountService {
         return accountMapper.selectOne(query);
     }
 
+    @Override
+    public List<AccountVO> selectByUserId(Long userId) {
+        if (userId == null) {
+            return Collections.emptyList();
+        }
+        AccountQuery query = new AccountQuery();
+        query.setUserId(userId);
+        return this.selectSmAccountList(query);
+    }
+
     private boolean isRepeat(Account data) {
         AccountQuery dto = new AccountQuery();
         dto.setUserId(data.getUserId());
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/ChannelService.java b/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/ChannelService.java
index fb7628c5..ed876692 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/ChannelService.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/ChannelService.java
@@ -82,6 +82,6 @@ public interface ChannelService
     /**
      * 查询启用的提现渠道列表
      */
-    List<ChannelVO> selectEnabledWithdrawList();
+    List<ChannelVO> selectEnabledWithdrawList(Long userId);
 
 }
diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/impl/ChannelServiceImpl.java b/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/impl/ChannelServiceImpl.java
index 509a756e..8c72e678 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/impl/ChannelServiceImpl.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/channel/service/impl/ChannelServiceImpl.java
@@ -1,6 +1,9 @@
 package com.ruoyi.ss.channel.service.impl;
 
 import com.ruoyi.common.utils.collection.CollectionUtils;
+import com.ruoyi.ss.account.domain.AccountVO;
+import com.ruoyi.ss.account.domain.enums.AccountType;
+import com.ruoyi.ss.account.service.AccountService;
 import com.ruoyi.ss.channel.domain.Channel;
 import com.ruoyi.ss.channel.domain.ChannelQuery;
 import com.ruoyi.ss.channel.domain.ChannelVO;
@@ -9,9 +12,7 @@ import com.ruoyi.ss.channel.service.ChannelService;
 import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.stereotype.Service;
 
-import java.util.Collections;
-import java.util.List;
-import java.util.Map;
+import java.util.*;
 import java.util.function.Function;
 import java.util.stream.Collectors;
 
@@ -27,6 +28,9 @@ public class ChannelServiceImpl implements ChannelService
     @Autowired
     private ChannelMapper channelMapper;
 
+    @Autowired
+    private AccountService accountService;
+
     /**
      * 查询充值渠道
      *
@@ -107,9 +111,26 @@ public class ChannelServiceImpl implements ChannelService
     }
 
     @Override
-    public List<ChannelVO> selectEnabledWithdrawList() {
+    public List<ChannelVO> selectEnabledWithdrawList(Long userId) {
+        // 查询用户账户列表
+        List<AccountVO> accountList = accountService.selectByUserId(userId);
+        if (CollectionUtils.isEmptyElement(accountList)) {
+            return Collections.emptyList();
+        }
+        // 过滤出渠道ID列表
+        List<Long> channelIds = accountList.stream()
+                .map(item -> AccountType.parse(item.getAccountType()))
+                .filter(Objects::nonNull)
+                .map(AccountType::getChannelId)
+                .collect(Collectors.toList());
+        if (CollectionUtils.isEmptyElement(channelIds)) {
+            return Collections.emptyList();
+        }
+
+        // 查询渠道列表
         ChannelQuery dto = new ChannelQuery();
         dto.setWithdrawEnabled(true);
+        dto.setChannelIds(channelIds);
         return this.selectSmChannelList(dto);
     }
 
diff --git a/smart-switch-web/src/main/java/com/ruoyi/web/controller/app/AppChannelController.java b/smart-switch-web/src/main/java/com/ruoyi/web/controller/app/AppChannelController.java
index 36bb9617..0ed9c3a2 100644
--- a/smart-switch-web/src/main/java/com/ruoyi/web/controller/app/AppChannelController.java
+++ b/smart-switch-web/src/main/java/com/ruoyi/web/controller/app/AppChannelController.java
@@ -37,7 +37,7 @@ public class AppChannelController extends BaseController {
     @JsonView(JsonViewProfile.App.class)
     @GetMapping("/recharge/enabledWithdrawList")
     public AjaxResult getWithdrawEnabledList() {
-        return success(channelService.selectEnabledWithdrawList());
+        return success(channelService.selectEnabledWithdrawList(getUserId()));
     }
 
 }