diff --git a/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt b/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt
index 28bb402..acbcfb6 100644
--- a/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt
+++ b/app/src/main/java/sh/sar/basedbank/BasedBankApp.kt
@@ -19,11 +19,19 @@ class BasedBankApp : Application() {
     var fullName: String = ""
     var mibSession: MibSession? = null
     var mibProfiles: List<MibProfile> = emptyList()
-    var bmlSession: BmlSession? = null
+    /** Active BML sessions keyed by loginId (= BML username). */
+    val bmlSessions: MutableMap<String, BmlSession> = mutableMapOf()
     var bmlAccounts: List<MibAccount> = emptyList()
     var fahipaySession: FahipaySession? = null
     var fahipayAccounts: List<MibAccount> = emptyList()
 
+    /** Returns the BML session for the given account (matched via loginTag). */
+    fun bmlSessionFor(account: MibAccount): BmlSession? =
+        bmlSessions[account.loginTag.removePrefix("bml_")]
+
+    /** Returns any available BML session (for non-account-specific operations). */
+    fun anyBmlSession(): BmlSession? = bmlSessions.values.firstOrNull()
+
     /** Serialises all MIB profile-switch + request sequences to prevent session corruption. */
     val mibMutex = Mutex()
 
diff --git a/app/src/main/java/sh/sar/basedbank/api/bml/BmlLoginFlow.kt b/app/src/main/java/sh/sar/basedbank/api/bml/BmlLoginFlow.kt
index 8b68d49..4f3ba9a 100644
--- a/app/src/main/java/sh/sar/basedbank/api/bml/BmlLoginFlow.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/bml/BmlLoginFlow.kt
@@ -166,17 +166,17 @@ class BmlLoginFlow {
             .takeIf { it.isNotBlank() } ?: throw Exception("Token exchange failed")
 
         val session = BmlSession(accessToken = accessToken, deviceId = deviceId)
-        val accounts = fetchAccounts(session)
+        val accounts = fetchAccounts(session, "bml_$username")
         return Pair(session, accounts)
     }
 
-    fun fetchAccounts(session: BmlSession): List<MibAccount> {
+    fun fetchAccounts(session: BmlSession, loginTag: String): List<MibAccount> {
         val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/dashboard")).execute()
         val code = resp.code
         val json = resp.body?.string()
         resp.close()
         if (code == 401 || code == 419) throw AuthExpiredException()
-        return parseDashboard(json ?: return emptyList(), "bml_${session.deviceId}")
+        return parseDashboard(json ?: return emptyList(), loginTag)
     }
 
     fun fetchForeignLimits(session: BmlSession): List<BmlForeignLimit> {
@@ -324,11 +324,11 @@ class BmlLoginFlow {
         return try { JSONObject(json).optBoolean("success") } catch (_: Exception) { false }
     }
 
-    fun fetchContacts(session: BmlSession): List<MibBeneficiary> {
+    fun fetchContacts(session: BmlSession, loginId: String): List<MibBeneficiary> {
         val resp = apiClient.newCall(apiRequest(session, "$BASE_URL/api/mobile/contacts")).execute()
         val json = resp.body?.string() ?: return emptyList()
         resp.close()
-        return parseContacts(json)
+        return parseContacts(json, loginId)
     }
 
     /**
@@ -634,29 +634,28 @@ class BmlLoginFlow {
                     internalId = internalId
                 ))
             } else if (accountType == "Card") {
+                val isVisible = item.optBoolean("account_visible", false)
+                if (!isVisible) continue   // debit cards and other hidden cards — skip
                 val isPrepaid = item.optBoolean("prepaid_card", false)
-                if (isPrepaid) {
-                    val cardBalance = item.optJSONObject("cardBalance")
-                    val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
-                    prepaidCards.add(MibAccount(
-                        profileName = "Personal",
-                        profileType = "BML_PREPAID",
-                        accountNumber = accountNumber,
-                        accountBriefName = product,
-                        currencyName = currency,
-                        accountTypeName = product,
-                        availableBalance = "%.2f".format(available),
-                        currentBalance = "%.2f".format(cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0),
-                        blockedAmount = "0.00",
-                        mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
-                        statusDesc = status,
-                        profileImageHash = null,
-                        loginTag = loginTag,
-                        internalId = internalId
-                    ))
-                } else {
-                    // Linked debit cards have no independent balance or account link — skip
-                }
+                val cardBalance = item.optJSONObject("cardBalance")
+                val available = cardBalance?.optDouble("AvailableLimit", 0.0) ?: 0.0
+                val current   = cardBalance?.optDouble("CurrentBalance", 0.0) ?: 0.0
+                prepaidCards.add(MibAccount(
+                    profileName = "Personal",
+                    profileType = if (isPrepaid) "BML_PREPAID" else "BML_CREDIT",
+                    accountNumber = accountNumber,
+                    accountBriefName = item.optString("alias").ifBlank { product },
+                    currencyName = currency,
+                    accountTypeName = product,
+                    availableBalance = "%.2f".format(available),
+                    currentBalance = "%.2f".format(current),
+                    blockedAmount = "0.00",
+                    mvrBalance = if (currency == "MVR") "%.2f".format(available) else "0.00",
+                    statusDesc = status,
+                    profileImageHash = null,
+                    loginTag = loginTag,
+                    internalId = internalId
+                ))
             }
         }
 
@@ -694,7 +693,7 @@ class BmlLoginFlow {
         } catch (_: Exception) { emptyList() }
     }
 
-    private fun parseContacts(json: String): List<MibBeneficiary> {
+    private fun parseContacts(json: String, loginId: String = ""): List<MibBeneficiary> {
         val root = JSONObject(json)
         if (!root.optBoolean("success")) return emptyList()
         val payload: JSONArray = root.optJSONArray("payload") ?: return emptyList()
@@ -715,7 +714,8 @@ class BmlLoginFlow {
                 benefStatus = item.optString("status", "S"),
                 transferCyDesc = item.optString("currency", "MVR"),
                 customerImgHash = null,
-                benefCategoryId = "BML"
+                benefCategoryId = "BML",
+                profileId = loginId
             ))
         }
         return result
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/AccountHistoryFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/AccountHistoryFragment.kt
index 91fcbbd..d9fa6b4 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/AccountHistoryFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/AccountHistoryFragment.kt
@@ -134,7 +134,7 @@ class AccountHistoryFragment : Fragment() {
     }
 
     private fun isMib() = !account.profileType.startsWith("BML") && account.profileType != "FAHIPAY"
-    private fun isBmlCard() = account.profileType == "BML_PREPAID"
+    private fun isBmlCard() = account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT"
     private fun isFahipay() = account.profileType == "FAHIPAY"
 
     private fun hasMore(): Boolean = when {
@@ -189,7 +189,7 @@ class AccountHistoryFragment : Fragment() {
                         }
                     }
                     isBmlCard() -> {
-                        val session = app.bmlSession ?: return@withContext emptyList()
+                        val session = app.bmlSessionFor(account) ?: return@withContext emptyList()
                         val cal = Calendar.getInstance()
                         cal.add(Calendar.MONTH, -cardMonthOffset)
                         val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
@@ -203,7 +203,7 @@ class AccountHistoryFragment : Fragment() {
                         )
                     }
                     else -> {
-                        val session = app.bmlSession ?: return@withContext emptyList()
+                        val session = app.bmlSessionFor(account) ?: return@withContext emptyList()
                         val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
                             session = session,
                             accountId = account.internalId,
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/AccountsAdapter.kt b/app/src/main/java/sh/sar/basedbank/ui/home/AccountsAdapter.kt
index 5c597cf..0cdb475 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/AccountsAdapter.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/AccountsAdapter.kt
@@ -35,8 +35,8 @@ class AccountsAdapter(
     }
 
     private fun buildItems(accounts: List<MibAccount>): List<Item> = buildList {
-        val nonPrepaid = accounts.filter { it.profileType != "BML_PREPAID" }
-        val prepaid    = accounts.filter { it.profileType == "BML_PREPAID" }
+        val nonPrepaid = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+        val prepaid    = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
 
         // Group non-prepaid accounts by their derived section title, preserving order
         val groups = LinkedHashMap<String, MutableList<MibAccount>>()
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/AddContactSheetFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/AddContactSheetFragment.kt
index 527036b..2e0c35a 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/AddContactSheetFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/AddContactSheetFragment.kt
@@ -86,7 +86,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         for (profile in app.mibProfiles) {
             list.add(DestinationOption("MIB · ${profile.name}", isBml = false, mibProfile = profile))
         }
-        if (app.bmlSession != null) {
+        if (app.anyBmlSession() != null) {
             list.add(DestinationOption("BML · Personal", isBml = true))
         }
         return list
@@ -186,7 +186,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     }
 
     private fun lookupForBml(input: String): BmlAccountValidation? {
-        val bmlSess = app.bmlSession ?: return null
+        val bmlSess = app.anyBmlSession() ?: return null
         val bmlFlow = BmlLoginFlow()
 
         // 1) Try BML validate
@@ -236,7 +236,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         if (mibResult != null) return mibResult
 
         // MIB lookup failed (e.g. BML USD account) — fall back to BML validate
-        val bmlSess = app.bmlSession ?: return null
+        val bmlSess = app.anyBmlSession() ?: return null
         return try { BmlLoginFlow().validateAccount(bmlSess, input) } catch (_: Exception) { null }
     }
 
@@ -358,7 +358,7 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
     }
 
     private fun saveToBml(alias: String): Boolean {
-        val bmlSess = app.bmlSession ?: return false
+        val bmlSess = app.anyBmlSession() ?: return false
         val lookup = bmlLookup ?: return false
         val bmlFlow = BmlLoginFlow()
         val account = lookup.account
@@ -425,12 +425,13 @@ class AddContactSheetFragment : BottomSheetDialogFragment() {
         requireActivity().lifecycleScope.launch(Dispatchers.IO) {
             try {
                 if (dest.isBml) {
-                    val bmlSess = app.bmlSession ?: return@launch
-                    val fresh = BmlLoginFlow().fetchContacts(bmlSess)
+                    val bmlSess = app.anyBmlSession() ?: return@launch
+                    val loginId = app.bmlSessions.entries.firstOrNull { it.value == bmlSess }?.key ?: ""
+                    val fresh = BmlLoginFlow().fetchContacts(bmlSess, loginId)
                     val existing = viewModel.contacts.value ?: emptyList()
                     val merged = existing.filter { it.benefCategoryId != "BML" } + fresh
                     viewModel.contacts.postValue(merged)
-                    ContactsCache.saveBml(requireContext(), fresh)
+                    if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, fresh)
                 } else {
                     val profile = dest.mibProfile ?: return@launch
                     val mibSess = app.mibSession ?: return@launch
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt
index 74d7107..82ef191 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ContactPickerSheetFragment.kt
@@ -203,11 +203,11 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
         val fromAccount = accounts.find { it.accountNumber == fromAccountNumber }
         val fromCurrency = fromAccount?.currencyName ?: ""
         val fromLoginTag = fromAccount?.loginTag ?: ""
-        val fromIsCard = fromAccount?.profileType == "BML_PREPAID"
+        val fromIsCard = fromAccount?.profileType == "BML_PREPAID" || fromAccount?.profileType == "BML_CREDIT"
 
         if (tabTag == MY_ACCOUNTS_TAG) {
-            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" }
-            val cards = accounts.filter { it.profileType == "BML_PREPAID" }
+            val regularAccounts = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
 
             val filteredRegular = if (search.isBlank()) regularAccounts else regularAccounts.filter {
                 it.accountBriefName.contains(search, ignoreCase = true) || it.accountNumber.contains(search)
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ContactsFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ContactsFragment.kt
index 36fda74..b514cfe 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ContactsFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ContactsFragment.kt
@@ -185,7 +185,7 @@ class ContactsFragment : Fragment() {
     }
 
     private fun deleteBml(contact: MibBeneficiary): Boolean {
-        val sess = app.bmlSession ?: return false
+        val sess = app.bmlSessions[contact.profileId] ?: app.anyBmlSession() ?: return false
         val contactId = contact.benefNo.removePrefix("bml_")
         return try { BmlLoginFlow().deleteContact(sess, contactId) } catch (_: Exception) { false }
     }
@@ -205,7 +205,11 @@ class ContactsFragment : Fragment() {
         val updated = viewModel.contacts.value?.filter { it.benefNo != contact.benefNo } ?: return
         viewModel.contacts.value = updated
         if (contact.benefCategoryId == "BML") {
-            ContactsCache.saveBml(requireContext(), updated.filter { it.benefCategoryId == "BML" })
+            updated.filter { it.benefCategoryId == "BML" }
+                .groupBy { it.profileId }
+                .forEach { (loginId, contacts) ->
+                    if (loginId.isNotBlank()) ContactsCache.saveBml(requireContext(), loginId, contacts)
+                }
         } else {
             ContactsCache.save(
                 requireContext(),
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt b/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
index f50ebb4..b604603 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
@@ -119,7 +119,10 @@ class HomeActivity : AppCompatActivity() {
             val merged = mibAccounts + app.bmlAccounts + app.fahipayAccounts
             viewModel.accounts.value = merged
             if (mibAccounts.isNotEmpty()) AccountCache.save(this, mibAccounts)
-            if (app.bmlAccounts.isNotEmpty()) AccountCache.saveBml(this, app.bmlAccounts)
+            if (app.bmlAccounts.isNotEmpty()) {
+                val byLoginId = app.bmlAccounts.groupBy { it.loginTag.removePrefix("bml_") }
+                byLoginId.forEach { (loginId, accounts) -> AccountCache.saveBml(this, loginId, accounts) }
+            }
             if (app.fahipayAccounts.isNotEmpty()) AccountCache.saveFahipay(this, app.fahipayAccounts)
 
             val cachedFinancing = FinancingCache.load(this)
@@ -128,11 +131,12 @@ class HomeActivity : AppCompatActivity() {
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
             refreshFinancing(app.mibSession, app.mibProfiles)
-            if (app.bmlSession != null) refreshBmlLimits(app.bmlSession!!)
+            for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
         } else {
             // Came from lock screen — show caches immediately, refresh everything in background
+            val store = CredentialStore(this)
             val cachedMib = AccountCache.load(this)
-            val cachedBml = AccountCache.loadBml(this)
+            val cachedBml = AccountCache.loadBml(this, store.getBmlLoginIds())
             val cachedFahipay = AccountCache.loadFahipay(this)
             val merged = cachedMib + cachedBml + cachedFahipay
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
@@ -141,8 +145,7 @@ class HomeActivity : AppCompatActivity() {
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
-            val store = CredentialStore(this)
-            autoRefresh(store.loadMibCredentials(), store.loadBmlCredentials(), store.loadFahipayCredentials(), store)
+            autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
         }
 
         // Show dashboard on first create
@@ -324,9 +327,9 @@ class HomeActivity : AppCompatActivity() {
     fun relogin() {
         val store = CredentialStore(this)
         val hasMib = store.hasMibCredentials()
-        val hasBml = store.hasBmlCredentials()
+        val bmlLoginIds = store.getBmlLoginIds()
         val hasFahipay = store.hasFahipayCredentials()
-        if (!hasMib && !hasBml && !hasFahipay) {
+        if (!hasMib && bmlLoginIds.isEmpty() && !hasFahipay) {
             startActivity(Intent(this, LoginActivity::class.java))
             finish()
             return
@@ -335,24 +338,26 @@ class HomeActivity : AppCompatActivity() {
         val current = viewModel.accounts.value ?: emptyList()
         viewModel.accounts.value = current.filter { acc ->
             if (!hasMib && !acc.profileType.startsWith("BML") && acc.profileType != "FAHIPAY") return@filter false
-            if (!hasBml && acc.profileType.startsWith("BML")) return@filter false
+            if (acc.profileType.startsWith("BML")) {
+                val loginId = acc.loginTag.removePrefix("bml_")
+                return@filter loginId in bmlLoginIds
+            }
             if (!hasFahipay && acc.profileType == "FAHIPAY") return@filter false
             true
         }
-        autoRefresh(store.loadMibCredentials(), store.loadBmlCredentials(), store.loadFahipayCredentials(), store)
+        autoRefresh(store.loadMibCredentials(), store.loadFahipayCredentials(), store)
     }
 
     private fun autoRefresh(
         mibCreds: CredentialStore.MibCredentials?,
-        bmlCreds: CredentialStore.BmlCredentials?,
         fahipayCreds: CredentialStore.FahipayCredentials?,
         store: CredentialStore
     ) {
-        if (mibCreds == null && bmlCreds == null && fahipayCreds == null) return
+        val bmlLoginIds = store.getBmlLoginIds()
+        if (mibCreds == null && bmlLoginIds.isEmpty() && fahipayCreds == null) return
         binding.refreshIndicator.visibility = View.VISIBLE
 
         lifecycleScope.launch {
-            // MIB and BML login run in parallel
             val mibJob = mibCreds?.let {
                 async(Dispatchers.IO) {
                     try {
@@ -368,39 +373,36 @@ class HomeActivity : AppCompatActivity() {
                 }
             }
 
-            val bmlJob = bmlCreds?.let {
-                async(Dispatchers.IO) {
+            // One async job per BML login, all run in parallel
+            val bmlJobs = bmlLoginIds.mapNotNull { loginId ->
+                val creds = store.loadBmlCredentials(loginId) ?: return@mapNotNull null
+                loginId to async(Dispatchers.IO) {
                     val bmlFlow = BmlLoginFlow()
-                    val savedToken = store.loadBmlSession()
+                    val loginTag = "bml_$loginId"
+                    val savedToken = store.loadBmlSession(loginId)
 
-                    // Try cached token first
                     if (savedToken != null) {
                         try {
                             val session = BmlSession(savedToken.first, savedToken.second)
-                            val accounts = bmlFlow.fetchAccounts(session)
+                            val accounts = bmlFlow.fetchAccounts(session, loginTag)
                             val app = application as BasedBankApp
-                            app.bmlSession = session
-                            app.bmlAccounts = accounts
-                            AccountCache.saveBml(this@HomeActivity, accounts)
+                            app.bmlSessions[loginId] = session
+                            AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                             return@async Pair(session, accounts)
                         } catch (_: AuthExpiredException) {
-                            // Token expired — fall through to full login
                         } catch (_: Exception) {
-                            // Network or other error — fall through to full login
                         }
                     }
 
-                    // Full login (token missing or expired)
                     try {
-                        val (session, accounts) = bmlFlow.login(it.username, it.password, it.otpSeed)
-                        store.saveBmlSession(session.accessToken, session.deviceId)
+                        val (session, accounts) = bmlFlow.login(creds.username, creds.password, creds.otpSeed)
+                        store.saveBmlSession(loginId, session.accessToken, session.deviceId)
                         val app = application as BasedBankApp
-                        app.bmlSession = session
-                        app.bmlAccounts = accounts
-                        AccountCache.saveBml(this@HomeActivity, accounts)
+                        app.bmlSessions[loginId] = session
+                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
                         Pair(session, accounts)
                     } catch (_: Exception) {
-                        Pair(null, AccountCache.loadBml(this@HomeActivity))
+                        Pair(null, AccountCache.loadBml(this@HomeActivity, loginId))
                     }
                 }
             }
@@ -410,7 +412,6 @@ class HomeActivity : AppCompatActivity() {
                     val fahipayFlow = FahipayLoginFlow()
                     val deviceUuid = store.getOrCreateFahipayDeviceUuid()
 
-                    // Try cached session first
                     val savedSession = store.loadFahipaySession()
                     if (savedSession != null) {
                         try {
@@ -426,15 +427,12 @@ class HomeActivity : AppCompatActivity() {
                             AccountCache.saveFahipay(this@HomeActivity, accounts)
                             return@async Pair(session, accounts)
                         } catch (_: Exception) {
-                            // Session expired — fall through to full login
                         }
                     }
 
-                    // Full re-login (only works if user has no 2FA, or 2FA was skipped)
                     try {
                         val step = fahipayFlow.login(creds.idCard, creds.password, deviceUuid)
                         if (step.twoFactorRequired) {
-                            // Can't auto-complete 2FA — use cached data
                             return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
                         }
                         val authId = step.authId ?: return@async Pair(null, AccountCache.loadFahipay(this@HomeActivity))
@@ -457,14 +455,16 @@ class HomeActivity : AppCompatActivity() {
             }
 
             val mibAccounts = mibJob?.await() ?: AccountCache.load(this@HomeActivity)
-            val (bmlSession, bmlAccounts) = bmlJob?.await() ?: Pair(null, AccountCache.loadBml(this@HomeActivity))
+            val bmlResults = bmlJobs.map { (_, job) -> job.await() }
+            val bmlAccounts = bmlResults.flatMap { it.second }
             val (_, fahipayAccounts) = fahipayJob?.await() ?: Pair(null, AccountCache.loadFahipay(this@HomeActivity))
 
+            val app = application as BasedBankApp
+            app.bmlAccounts = bmlAccounts
             viewModel.accounts.postValue(mibAccounts + bmlAccounts + fahipayAccounts)
             binding.refreshIndicator.visibility = View.GONE
 
-            val app = application as BasedBankApp
-            if (bmlSession != null) refreshBmlLimits(bmlSession)
+            for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
             refreshFinancing(app.mibSession, app.mibProfiles)
         }
     }
@@ -487,16 +487,21 @@ class HomeActivity : AppCompatActivity() {
     }
 
     private fun refreshBmlContacts(app: BasedBankApp) {
-        val session = app.bmlSession ?: return
-        val bmlFlow = BmlLoginFlow()
+        if (app.bmlSessions.isEmpty()) return
         lifecycleScope.launch {
             try {
-                val bmlContacts = withContext(Dispatchers.IO) { bmlFlow.fetchContacts(session) }
-                if (bmlContacts.isNotEmpty()) {
-                    ContactsCache.saveBml(this@HomeActivity, bmlContacts)
+                val allBmlContacts = withContext(Dispatchers.IO) {
+                    app.bmlSessions.flatMap { (loginId, session) ->
+                        val contacts = BmlLoginFlow().fetchContacts(session, loginId)
+                        if (contacts.isNotEmpty()) ContactsCache.saveBml(this@HomeActivity, loginId, contacts)
+                        contacts
+                    }
+                }
+                if (allBmlContacts.isNotEmpty()) {
+                    val store = sh.sar.basedbank.util.CredentialStore(this@HomeActivity)
                     val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
                     val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
-                    viewModel.contacts.postValue(mergeContacts(mergeContacts(mibContacts, bmlContacts), fahipayContacts))
+                    viewModel.contacts.postValue(mergeContacts(mergeContacts(mibContacts, allBmlContacts), fahipayContacts))
                 }
             } catch (_: Exception) { /* keep cached */ }
         }
@@ -504,10 +509,11 @@ class HomeActivity : AppCompatActivity() {
 
     fun loadAllContacts() {
         val app = application as BasedBankApp
+        val store = sh.sar.basedbank.util.CredentialStore(this)
         // Populate ViewModel from cache immediately if empty
         if (viewModel.contacts.value.isNullOrEmpty()) {
             val cached = mergeContacts(
-                mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this)),
+                mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this, store.getBmlLoginIds())),
                 ContactsCache.loadFahipay(this)
             )
             if (cached.isNotEmpty()) viewModel.contacts.value = cached
@@ -535,7 +541,8 @@ class HomeActivity : AppCompatActivity() {
                 val categories = groups.map { MibBeneficiaryCategory(it.categoryId, it.label, it.contacts.size) }
                 ContactsCache.saveFahipay(this@HomeActivity, contacts, categories)
                 val mibContacts = ContactsCache.loadContacts(this@HomeActivity)
-                val bmlContacts = ContactsCache.loadBml(this@HomeActivity)
+                val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
+                val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
                 viewModel.contacts.postValue(mergeContacts(mergeContacts(mibContacts, bmlContacts), contacts))
                 val mibCategories = ContactsCache.loadCategories(this@HomeActivity)
                 viewModel.contactCategories.postValue(mibCategories + categories)
@@ -581,7 +588,8 @@ class HomeActivity : AppCompatActivity() {
                 }
                 if (allContacts.isNotEmpty()) {
                     ContactsCache.save(this@HomeActivity, allContacts, allCategories)
-                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity)
+                    val bmlLoginIds = sh.sar.basedbank.util.CredentialStore(this@HomeActivity).getBmlLoginIds()
+                    val bmlContacts = ContactsCache.loadBml(this@HomeActivity, bmlLoginIds)
                     val fahipayContacts = ContactsCache.loadFahipay(this@HomeActivity)
                     val fahipayCategories = ContactsCache.loadFahipayCategories(this@HomeActivity)
                     viewModel.contacts.postValue(mergeContacts(mergeContacts(allContacts, bmlContacts), fahipayContacts))
@@ -613,17 +621,19 @@ class HomeActivity : AppCompatActivity() {
                 val others = current.filter { it.profileType != "FAHIPAY" }
                 viewModel.accounts.postValue(others + fresh)
             } else if (src.profileType.startsWith("BML")) {
+                val loginId = src.loginTag.removePrefix("bml_")
                 val fresh = withContext(Dispatchers.IO) {
-                    val sess = app.bmlSession ?: return@withContext null
+                    val sess = app.bmlSessionFor(src) ?: return@withContext null
                     try {
-                        val accounts = BmlLoginFlow().fetchAccounts(sess)
-                        AccountCache.saveBml(this@HomeActivity, accounts)
-                        app.bmlAccounts = accounts
+                        val accounts = BmlLoginFlow().fetchAccounts(sess, src.loginTag)
+                        AccountCache.saveBml(this@HomeActivity, loginId, accounts)
+                        val otherBml = app.bmlAccounts.filter { it.loginTag != src.loginTag }
+                        app.bmlAccounts = otherBml + accounts
                         accounts
                     } catch (_: Exception) { null }
                 } ?: return@launch
-                val mibOnly = current.filter { !it.profileType.startsWith("BML") }
-                viewModel.accounts.postValue(mibOnly + fresh)
+                val otherAccounts = current.filter { !it.profileType.startsWith("BML") || it.loginTag != src.loginTag }
+                viewModel.accounts.postValue(otherAccounts + fresh)
             } else {
                 val fresh = withContext(Dispatchers.IO) {
                     val sess = app.mibSession ?: return@withContext null
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/OtpFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/OtpFragment.kt
index cfff421..d7e4103 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/OtpFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/OtpFragment.kt
@@ -75,9 +75,10 @@ class OtpFragment : Fragment() {
             val name = store.loadMibFullName()
             entries.add(OtpEntry(if (name != null) "MIB · $name" else "MIB", creds.otpSeed))
         }
-        store.loadBmlCredentials()?.let { creds ->
-            val name = store.loadBmlFullName()
-            entries.add(OtpEntry(if (name != null) "BML · $name" else "BML", creds.otpSeed))
+        for (loginId in store.getBmlLoginIds()) {
+            val creds = store.loadBmlCredentials(loginId) ?: continue
+            val name = store.loadBmlUserProfile(loginId)?.fullName
+            entries.add(OtpEntry(if (!name.isNullOrBlank()) "BML · $name" else "BML", creds.otpSeed))
         }
 
         val adapter = OtpAdapter(entries)
@@ -105,13 +106,14 @@ class OtpFragment : Fragment() {
                     }
                 }
             }
-            if (store.loadBmlFullName() == null) {
-                app.bmlSession?.let { session ->
+            for (loginId in store.getBmlLoginIds()) {
+                if (store.loadBmlUserProfile(loginId)?.fullName.isNullOrBlank()) {
+                    val session = app.bmlSessions[loginId] ?: continue
                     val info = withContext(Dispatchers.IO) {
                         try { BmlLoginFlow().fetchUserInfo(session) } catch (_: Exception) { null }
                     }
                     if (info != null) {
-                        store.saveBmlUserProfile(CredentialStore.BmlUserProfile(
+                        store.saveBmlUserProfile(loginId, CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
                             mobile = info.mobile,
@@ -119,7 +121,8 @@ class OtpFragment : Fragment() {
                             idCard = info.idCard,
                             birthdate = info.birthdate
                         ))
-                        val idx = entries.indexOfFirst { it.seed == store.loadBmlCredentials()?.otpSeed }
+                        val seed = store.loadBmlCredentials(loginId)?.otpSeed
+                        val idx = entries.indexOfFirst { it.seed == seed }
                         if (idx >= 0) { entries[idx] = entries[idx].copy(label = "BML · ${info.fullName}"); changed = true }
                     }
                 }
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/SettingsLoginsFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/SettingsLoginsFragment.kt
index f147d57..b49692c 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/SettingsLoginsFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/SettingsLoginsFragment.kt
@@ -59,10 +59,10 @@ class SettingsLoginsFragment : Fragment() {
         container.removeAllViews()
 
         val hasMib = store.hasMibCredentials()
-        val hasBml = store.hasBmlCredentials()
+        val bmlLoginIds = store.getBmlLoginIds()
         val hasFahipay = store.hasFahipayCredentials()
 
-        binding.tvLoginsTitle.visibility = if (hasMib || hasBml || hasFahipay) View.VISIBLE else View.GONE
+        binding.tvLoginsTitle.visibility = if (hasMib || bmlLoginIds.isNotEmpty() || hasFahipay) View.VISIBLE else View.GONE
 
         if (hasMib) {
             val profile = store.loadMibUserProfile()
@@ -86,10 +86,10 @@ class SettingsLoginsFragment : Fragment() {
             }
         }
 
-        if (hasBml) {
-            val profile = store.loadBmlUserProfile()
+        for (loginId in bmlLoginIds) {
+            val profile = store.loadBmlUserProfile(loginId)
             val displayName = profile?.fullName?.takeIf { it.isNotBlank() } ?: getString(R.string.bml_name)
-            val profileNames = AccountCache.loadBml(ctx).map { it.profileName }.filter { it.isNotBlank() }.distinct()
+            val profileNames = AccountCache.loadBml(ctx, loginId).map { it.profileName }.filter { it.isNotBlank() }.distinct()
             addLoginRow(container, R.drawable.bml_logo_vector, displayName) {
                 showLoginDetails(
                     title = getString(R.string.bml_name),
@@ -105,7 +105,7 @@ class SettingsLoginsFragment : Fragment() {
                             profileNames.forEach { appendLine("  • $it") }
                         }
                     }.trim(),
-                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store) } }
+                    onLogout = { confirmLogout(getString(R.string.bml_name)) { logoutBml(store, loginId) } }
                 )
             }
         }
@@ -183,11 +183,12 @@ class SettingsLoginsFragment : Fragment() {
         buildLoginsSection()
     }
 
-    private fun logoutBml(store: CredentialStore) {
+    private fun logoutBml(store: CredentialStore, loginId: String) {
         val ctx = requireContext()
-        store.clearBmlCredentials(); store.clearBmlSession()
+        store.clearBmlCredentials(loginId); store.clearBmlSession(loginId)
         val app = requireActivity().application as BasedBankApp
-        app.bmlSession = null; app.bmlAccounts = emptyList()
+        app.bmlSessions.remove(loginId)
+        app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" }
         clearAllCaches(ctx)
         (activity as HomeActivity).relogin()
         buildLoginsSection()
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
index ff4a37e..d884228 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -63,7 +63,9 @@ class TransferFragment : Fragment() {
 
     private var selectedAccount: MibAccount? = null
     private val session get() = (requireActivity().application as BasedBankApp).mibSession
-    private val bmlSession get() = (requireActivity().application as BasedBankApp).bmlSession
+    private fun bmlSessionFor(account: MibAccount?) =
+        account?.let { (requireActivity().application as BasedBankApp).bmlSessionFor(it) }
+            ?: (requireActivity().application as BasedBankApp).anyBmlSession()
 
     // Resolved recipient info — set after successful lookup or prefill
     private var resolvedAccountNumber = ""
@@ -203,6 +205,7 @@ class TransferFragment : Fragment() {
         }
         val typeLabel = when {
             account.profileType == "BML_PREPAID" -> "Prepaid Card"
+            account.profileType == "BML_CREDIT"  -> "Credit Card"
             account.accountTypeName.isNotBlank()  -> account.accountTypeName
             else -> account.profileType
         }
@@ -302,7 +305,7 @@ class TransferFragment : Fragment() {
         }
 
         val mibSess = session
-        val bmlSess = bmlSession
+        val bmlSess = bmlSessionFor(selectedAccount)
         if (mibSess == null && bmlSess == null) {
             Toast.makeText(requireContext(), R.string.transfer_session_unavailable, Toast.LENGTH_SHORT).show()
             return
@@ -548,7 +551,7 @@ class TransferFragment : Fragment() {
         val remarks = binding.etRemarks.text?.toString()?.trim() ?: ""
 
         val isSrcBml = src.profileType.startsWith("BML")
-        val isSrcCard = src.profileType == "BML_PREPAID"
+        val isSrcCard = src.profileType == "BML_PREPAID" || src.profileType == "BML_CREDIT"
         val isDestMib = AccountInputParser.detect(resolvedAccountNumber) == AccountInputParser.InputType.MIB_ACCOUNT
         val currency = src.currencyName.ifBlank { "MVR" }
         val allAccounts = viewModel.accounts.value ?: emptyList()
@@ -577,6 +580,7 @@ class TransferFragment : Fragment() {
                 ?.transferCyDesc?.ifBlank { "MVR" }
             ?: if (isDestMib) "MVR" else "MVR"
         val isUsdToMvr = currency.equals("USD", ignoreCase = true) && destCurrency.equals("MVR", ignoreCase = true)
+        val isSrcCredit = src.profileType == "BML_CREDIT"
 
         val mainMsg = "Send $currency $amountStr to $destDisplay?\n\nFrom: ${src.accountBriefName} · ${src.accountNumber}"
 
@@ -607,7 +611,7 @@ class TransferFragment : Fragment() {
             .setPositiveButton(R.string.transfer_confirm) { _, _ -> doTransfer() }
             .setNegativeButton(android.R.string.cancel, null)
 
-        if (isUsdToMvr) {
+        if (isUsdToMvr || isSrcCredit) {
             val ctx = requireContext()
             val dp = resources.displayMetrics.density
             val container = LinearLayout(ctx).apply {
@@ -615,13 +619,24 @@ class TransferFragment : Fragment() {
                 setPadding((24 * dp).toInt(), (16 * dp).toInt(), (24 * dp).toInt(), 0)
             }
             container.addView(TextView(ctx).apply { text = mainMsg })
-            container.addView(TextView(ctx).apply {
-                text = "⚠ You are transferring from a USD account to an MVR account. The currency will be converted at the bank's rate and this cannot be reversed!"
-                setTextColor(Color.RED)
-                textSize = 16f
-                typeface = Typeface.DEFAULT_BOLD
-                setPadding(0, (16 * dp).toInt(), 0, 0)
-            })
+            if (isUsdToMvr) {
+                container.addView(TextView(ctx).apply {
+                    text = "⚠ You are transferring from a USD account to an MVR account. The currency will be converted at the bank's rate and this cannot be reversed!"
+                    setTextColor(Color.RED)
+                    textSize = 16f
+                    typeface = Typeface.DEFAULT_BOLD
+                    setPadding(0, (16 * dp).toInt(), 0, 0)
+                })
+            }
+            if (isSrcCredit) {
+                container.addView(TextView(ctx).apply {
+                    text = "⚠ Transferring from a credit card is treated as a cash advance. Cash advance fees will be charged on the 10th of the month."
+                    setTextColor(Color.RED)
+                    textSize = 16f
+                    typeface = Typeface.DEFAULT_BOLD
+                    setPadding(0, (16 * dp).toInt(), 0, 0)
+                })
+            }
             dialogBuilder.setView(container)
         } else {
             dialogBuilder.setMessage(mainMsg)
@@ -741,8 +756,9 @@ class TransferFragment : Fragment() {
         allAccounts: List<MibAccount>,
         allContacts: List<MibBeneficiary>
     ): Triple<Boolean, String, TransferReceiptData?> {
-        val sess = bmlSession ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
-        val otp = CredentialStore(requireContext()).loadBmlCredentials()?.otpSeed
+        val loginId = src.loginTag.removePrefix("bml_")
+        val sess = bmlSessionFor(src) ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
+        val otp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) }
             ?: return Triple(false, "OTP unavailable", null)
         val debitAccount = src.internalId.ifBlank {
@@ -750,7 +766,7 @@ class TransferFragment : Fragment() {
         }
 
         // Determine type + credit account
-        val isDestMyCard = allAccounts.any { it.profileType == "BML_PREPAID" && it.accountNumber == destAccount }
+        val isDestMyCard = allAccounts.any { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && it.accountNumber == destAccount }
         val (transferType, creditAccount, bank) = when {
             isSrcCard -> {
                 // CAD: card → own BML account
@@ -759,7 +775,7 @@ class TransferFragment : Fragment() {
             }
             isDestMyCard -> {
                 // CPA: BML CASA → own card top-up
-                val card = allAccounts.first { it.profileType == "BML_PREPAID" && it.accountNumber == destAccount }
+                val card = allAccounts.first { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && it.accountNumber == destAccount }
                 Triple("CPA", card.internalId.ifBlank { destAccount }, null as String?)
             }
             isDestMib && currency == "MVR" -> Triple("DOT", destAccount, "MIB")
@@ -782,7 +798,7 @@ class TransferFragment : Fragment() {
         if (!initiated) return Triple(false, "Failed to initiate transfer — check your session", null)
 
         // Step 2: confirm with fresh OTP
-        val confirmOtp = CredentialStore(requireContext()).loadBmlCredentials()?.otpSeed
+        val confirmOtp = CredentialStore(requireContext()).loadBmlCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) } ?: otp
 
         return try {
@@ -932,8 +948,8 @@ class TransferFragment : Fragment() {
     ) : BaseAdapter(), Filterable {
 
         private val items: List<Any> = buildList {
-            val regular = accounts.filter { it.profileType != "BML_PREPAID" }
-            val cards = accounts.filter { it.profileType == "BML_PREPAID" }
+            val regular = accounts.filter { it.profileType != "BML_PREPAID" && it.profileType != "BML_CREDIT" }
+            val cards = accounts.filter { it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT" }
             addAll(regular)
             if (cards.isNotEmpty()) {
                 add(getString(R.string.cards))
@@ -942,7 +958,7 @@ class TransferFragment : Fragment() {
         }
 
         fun getAccount(position: Int): MibAccount? = (items.getOrNull(position) as? MibAccount)
-            ?.takeUnless { it.profileType == "BML_PREPAID" && !it.statusDesc.equals("Active", ignoreCase = true) }
+            ?.takeUnless { (it.profileType == "BML_PREPAID" || it.profileType == "BML_CREDIT") && !it.statusDesc.equals("Active", ignoreCase = true) }
 
         override fun getCount() = items.size
         override fun getItem(position: Int) = items[position]
@@ -973,7 +989,7 @@ class TransferFragment : Fragment() {
                     ItemAccountDropdownBinding.inflate(LayoutInflater.from(context), parent, false)
                         .also { it.root.tag = it }
                 }
-                val inactive = acc.profileType == "BML_PREPAID" && !acc.statusDesc.equals("Active", ignoreCase = true)
+                val inactive = (acc.profileType == "BML_PREPAID" || acc.profileType == "BML_CREDIT") && !acc.statusDesc.equals("Active", ignoreCase = true)
                 b.tvDropdownAccountName.text = acc.accountBriefName
                 b.tvDropdownAccountNumber.text = if (inactive) "${acc.accountNumber} · ${acc.statusDesc}" else acc.accountNumber
                 b.tvDropdownBalance.text = "${acc.currencyName} ${acc.availableBalance}"
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferHistoryFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferHistoryFragment.kt
index 84a407d..8774ed0 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferHistoryFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferHistoryFragment.kt
@@ -62,7 +62,7 @@ class TransferHistoryFragment : Fragment() {
     ) {
         fun hasMore(): Boolean = when {
             account.profileType == "FAHIPAY" -> fahipayTotal < 0 || fahipayNextStart < fahipayTotal
-            account.profileType == "BML_PREPAID" -> cardMonthOffset < 2
+            account.profileType == "BML_PREPAID" || account.profileType == "BML_CREDIT" -> cardMonthOffset < 2
             account.profileType.startsWith("BML") -> bmlTotalPages < 0 || bmlNextPage <= bmlTotalPages
             else -> mibTotalCount < 0 || mibNextStart <= mibTotalCount
         }
@@ -143,7 +143,6 @@ class TransferHistoryFragment : Fragment() {
 
         val app = requireActivity().application as BasedBankApp
         val mibSession = app.mibSession
-        val bmlSession = app.bmlSession
 
         lifecycleScope.launch {
             val newTransactions = withContext(Dispatchers.IO) {
@@ -155,8 +154,8 @@ class TransferHistoryFragment : Fragment() {
                     async {
                         try {
                             when {
-                                state.account.profileType == "BML_PREPAID" -> {
-                                    val session = bmlSession ?: return@async emptyList()
+                                state.account.profileType == "BML_PREPAID" || state.account.profileType == "BML_CREDIT" -> {
+                                    val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
                                     val cal = Calendar.getInstance()
                                     cal.add(Calendar.MONTH, -state.cardMonthOffset)
                                     val month = SimpleDateFormat("yyyyMM", Locale.US).format(cal.time)
@@ -170,7 +169,7 @@ class TransferHistoryFragment : Fragment() {
                                     )
                                 }
                                 else -> {
-                                    val session = bmlSession ?: return@async emptyList()
+                                    val session = app.bmlSessionFor(state.account) ?: return@async emptyList()
                                     val (list, totalPages) = BmlLoginFlow().fetchAccountHistory(
                                         session = session,
                                         accountId = state.account.internalId,
diff --git a/app/src/main/java/sh/sar/basedbank/ui/login/CredentialsFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/login/CredentialsFragment.kt
index 37ffa53..9daf33c 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/login/CredentialsFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/login/CredentialsFragment.kt
@@ -185,6 +185,7 @@ class CredentialsFragment : Fragment() {
         binding.progressBar.visibility = View.VISIBLE
         binding.btnLogin.isEnabled = false
 
+        val loginId = username
         val flow = BmlLoginFlow()
         viewLifecycleOwner.lifecycleScope.launch {
             try {
@@ -192,11 +193,12 @@ class CredentialsFragment : Fragment() {
                     flow.login(username, password, otpSeed)
                 }
                 val store = CredentialStore(requireContext())
-                store.saveBmlCredentials(username, password, otpSeed)
-                store.saveBmlSession(session.accessToken, session.deviceId)
+                store.saveBmlCredentials(loginId, username, password, otpSeed)
+                store.saveBmlSession(loginId, session.accessToken, session.deviceId)
                 withContext(Dispatchers.IO) {
                     val info = flow.fetchUserInfo(session)
                     if (info != null) store.saveBmlUserProfile(
+                        loginId,
                         CredentialStore.BmlUserProfile(
                             fullName = info.fullName,
                             email = info.email,
@@ -207,11 +209,11 @@ class CredentialsFragment : Fragment() {
                         )
                     )
                 }
-                AccountCache.saveBml(requireContext(), accounts)
+                AccountCache.saveBml(requireContext(), loginId, accounts)
                 val app = requireActivity().application as BasedBankApp
-                app.bmlSession = session
-                app.bmlAccounts = accounts
-                // Merge with any existing MIB accounts already in app
+                app.bmlSessions[loginId] = session
+                // Merge with any existing BML accounts from other logins
+                app.bmlAccounts = app.bmlAccounts.filter { it.loginTag != "bml_$loginId" } + accounts
                 app.accounts = app.accounts + accounts
                 val intent = Intent(requireContext(), HomeActivity::class.java)
                 intent.flags = Intent.FLAG_ACTIVITY_CLEAR_TASK or Intent.FLAG_ACTIVITY_NEW_TASK
diff --git a/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt b/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt
index 222153c..7172194 100644
--- a/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/AccountCache.kt
@@ -9,9 +9,10 @@ object AccountCache {
 
     private const val PREFS = "account_cache"
     private const val KEY_MIB = "mib_accounts"
-    private const val KEY_BML = "bml_accounts"
     private const val KEY_FAHIPAY = "fahipay_accounts"
 
+    private fun bmlKey(loginId: String) = "bml_accounts_$loginId"
+
     fun save(context: Context, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
@@ -36,7 +37,7 @@ object AccountCache {
             .edit().putString(KEY_MIB, CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun saveBml(context: Context, accounts: List<MibAccount>) {
+    fun saveBml(context: Context, loginId: String, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
             arr.put(JSONObject().apply {
@@ -56,15 +57,14 @@ object AccountCache {
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString(KEY_BML, CacheEncryption.encrypt(arr.toString())).apply()
+            .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context): List<MibAccount> {
+    fun loadBml(context: Context, loginId: String): List<MibAccount> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .getString(KEY_BML, null) ?: return emptyList()
+            .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
-            val json = CacheEncryption.decrypt(raw)
-            val arr = JSONArray(json)
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibAccount(
@@ -84,9 +84,12 @@ object AccountCache {
                     internalId = o.optString("internalId", "")
                 )
             }
-        } catch (e: Exception) { emptyList() }
+        } catch (_: Exception) { emptyList() }
     }
 
+    fun loadBml(context: Context, loginIds: List<String>): List<MibAccount> =
+        loginIds.flatMap { loadBml(context, it) }
+
     fun saveFahipay(context: Context, accounts: List<MibAccount>) {
         val arr = JSONArray()
         for (acc in accounts) {
diff --git a/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt b/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt
index aeec856..621bc54 100644
--- a/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt
@@ -84,7 +84,9 @@ object ContactsCache {
         }
     }
 
-    fun saveBml(context: Context, contacts: List<MibBeneficiary>) {
+    private fun bmlKey(loginId: String) = "bml_contacts_$loginId"
+
+    fun saveBml(context: Context, loginId: String, contacts: List<MibBeneficiary>) {
         val arr = JSONArray()
         for (c in contacts) {
             arr.put(JSONObject().apply {
@@ -99,18 +101,18 @@ object ContactsCache {
                 put("benefStatus", c.benefStatus)
                 put("transferCyDesc", c.transferCyDesc)
                 put("benefCategoryId", c.benefCategoryId)
+                put("profileId", c.profileId)
             })
         }
         context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .edit().putString("bml_contacts", CacheEncryption.encrypt(arr.toString())).apply()
+            .edit().putString(bmlKey(loginId), CacheEncryption.encrypt(arr.toString())).apply()
     }
 
-    fun loadBml(context: Context): List<MibBeneficiary> {
+    fun loadBml(context: Context, loginId: String): List<MibBeneficiary> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
-            .getString("bml_contacts", null) ?: return emptyList()
+            .getString(bmlKey(loginId), null) ?: return emptyList()
         return try {
-            val json = CacheEncryption.decrypt(raw)
-            val arr = JSONArray(json)
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
             (0 until arr.length()).map { i ->
                 val o = arr.getJSONObject(i)
                 MibBeneficiary(
@@ -125,12 +127,16 @@ object ContactsCache {
                     benefStatus = o.optString("benefStatus"),
                     transferCyDesc = o.optString("transferCyDesc", "MVR"),
                     customerImgHash = null,
-                    benefCategoryId = o.optString("benefCategoryId", "BML")
+                    benefCategoryId = o.optString("benefCategoryId", "BML"),
+                    profileId = o.optString("profileId", "")
                 )
             }
-        } catch (e: Exception) { emptyList() }
+        } catch (_: Exception) { emptyList() }
     }
 
+    fun loadBml(context: Context, loginIds: List<String>): List<MibBeneficiary> =
+        loginIds.flatMap { loadBml(context, it) }
+
     fun saveFahipay(context: Context, contacts: List<MibBeneficiary>, categories: List<MibBeneficiaryCategory>) {
         val prefs = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit()
         val arr = JSONArray()
diff --git a/app/src/main/java/sh/sar/basedbank/util/CredentialStore.kt b/app/src/main/java/sh/sar/basedbank/util/CredentialStore.kt
index 8457c69..f9565e7 100644
--- a/app/src/main/java/sh/sar/basedbank/util/CredentialStore.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/CredentialStore.kt
@@ -24,7 +24,6 @@ class CredentialStore(context: Context) {
     // ── MIB login credentials ─────────────────────────────────────────────────
 
     fun hasMibCredentials(): Boolean = prefs.contains("mib_enc_username")
-    fun hasBmlCredentials(): Boolean = prefs.contains("bml_enc_username")
     fun hasFahipayCredentials(): Boolean = prefs.contains("fahipay_enc_id_card")
 
     fun saveMibCredentials(username: String, passwordHash: String, otpSeed: String) {
@@ -91,58 +90,106 @@ class CredentialStore(context: Context) {
         return try { decrypt(enc, key) } catch (_: Exception) { null }
     }
 
-    // ── BML login credentials ─────────────────────────────────────────────────
+    // ── BML login credentials (multi-login, keyed by loginId = username) ────────
 
-    fun saveBmlCredentials(username: String, password: String, otpSeed: String) {
+    fun getBmlLoginIds(): List<String> {
+        val json = prefs.getString("bml_login_ids", null)
+        if (json != null) {
+            return try {
+                val arr = org.json.JSONArray(json)
+                (0 until arr.length()).map { arr.getString(it) }
+            } catch (_: Exception) { emptyList() }
+        }
+        // One-time migration from single-slot BML storage
+        val oldEncUsername = prefs.getString("bml_enc_username", null) ?: return emptyList()
+        return try {
+            val key = getOrCreateKey()
+            val loginId = decrypt(oldEncUsername, key)
+            val edit = prefs.edit()
+            prefs.getString("bml_enc_password", null)?.let  { edit.putString("bml_${loginId}_enc_password", it) }
+            prefs.getString("bml_enc_otp_seed", null)?.let  { edit.putString("bml_${loginId}_enc_otp_seed", it) }
+            prefs.getString("bml_enc_token", null)?.let     { edit.putString("bml_${loginId}_enc_token", it) }
+            prefs.getString("bml_enc_device_id", null)?.let { edit.putString("bml_${loginId}_enc_device_id", it) }
+            prefs.getString("bml_enc_profile", null)?.let   { edit.putString("bml_${loginId}_enc_profile", it) }
+            edit.putString("bml_${loginId}_enc_username", oldEncUsername)
+            edit.remove("bml_enc_username").remove("bml_enc_password").remove("bml_enc_otp_seed")
+                .remove("bml_enc_token").remove("bml_enc_device_id")
+                .remove("bml_enc_profile").remove("bml_enc_full_name")
+            val ids = org.json.JSONArray(listOf(loginId)).toString()
+            edit.putString("bml_login_ids", ids)
+            edit.apply()
+            listOf(loginId)
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun hasBmlCredentials(): Boolean = getBmlLoginIds().isNotEmpty()
+
+    private fun addBmlLoginId(loginId: String) {
+        val ids = getBmlLoginIds().toMutableList()
+        if (loginId !in ids) {
+            ids.add(loginId)
+            prefs.edit().putString("bml_login_ids", org.json.JSONArray(ids).toString()).apply()
+        }
+    }
+
+    private fun removeBmlLoginId(loginId: String) {
+        val ids = getBmlLoginIds().toMutableList()
+        if (ids.remove(loginId))
+            prefs.edit().putString("bml_login_ids", org.json.JSONArray(ids).toString()).apply()
+    }
+
+    fun saveBmlCredentials(loginId: String, username: String, password: String, otpSeed: String) {
+        addBmlLoginId(loginId)
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("bml_enc_username", encrypt(username, key))
-            .putString("bml_enc_password", encrypt(password, key))
-            .putString("bml_enc_otp_seed", encrypt(otpSeed, key))
+            .putString("bml_${loginId}_enc_username", encrypt(username, key))
+            .putString("bml_${loginId}_enc_password", encrypt(password, key))
+            .putString("bml_${loginId}_enc_otp_seed", encrypt(otpSeed, key))
             .apply()
     }
 
-    fun loadBmlCredentials(): BmlCredentials? {
+    fun loadBmlCredentials(loginId: String): BmlCredentials? {
         val key = getOrCreateKey()
-        val encUsername = prefs.getString("bml_enc_username", null) ?: return null
-        val encPassword = prefs.getString("bml_enc_password", null) ?: return null
-        val encSeed = prefs.getString("bml_enc_otp_seed", null) ?: return null
+        val encUsername = prefs.getString("bml_${loginId}_enc_username", null) ?: return null
+        val encPassword = prefs.getString("bml_${loginId}_enc_password", null) ?: return null
+        val encSeed    = prefs.getString("bml_${loginId}_enc_otp_seed", null) ?: return null
         return try {
             BmlCredentials(decrypt(encUsername, key), decrypt(encPassword, key), decrypt(encSeed, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearBmlCredentials() {
+    fun clearBmlCredentials(loginId: String) {
+        removeBmlLoginId(loginId)
         prefs.edit()
-            .remove("bml_enc_username")
-            .remove("bml_enc_password")
-            .remove("bml_enc_otp_seed")
+            .remove("bml_${loginId}_enc_username")
+            .remove("bml_${loginId}_enc_password")
+            .remove("bml_${loginId}_enc_otp_seed")
             .apply()
     }
 
-    // ── BML session token ─────────────────────────────────────────────────────
+    // ── BML session token (per loginId) ───────────────────────────────────────
 
-    fun saveBmlSession(accessToken: String, deviceId: String) {
+    fun saveBmlSession(loginId: String, accessToken: String, deviceId: String) {
         val key = getOrCreateKey()
         prefs.edit()
-            .putString("bml_enc_token", encrypt(accessToken, key))
-            .putString("bml_enc_device_id", encrypt(deviceId, key))
+            .putString("bml_${loginId}_enc_token", encrypt(accessToken, key))
+            .putString("bml_${loginId}_enc_device_id", encrypt(deviceId, key))
             .apply()
     }
 
-    fun loadBmlSession(): Pair<String, String>? {
+    fun loadBmlSession(loginId: String): Pair<String, String>? {
         val key = getOrCreateKey()
-        val encToken = prefs.getString("bml_enc_token", null) ?: return null
-        val encDeviceId = prefs.getString("bml_enc_device_id", null) ?: return null
+        val encToken    = prefs.getString("bml_${loginId}_enc_token", null) ?: return null
+        val encDeviceId = prefs.getString("bml_${loginId}_enc_device_id", null) ?: return null
         return try {
             Pair(decrypt(encToken, key), decrypt(encDeviceId, key))
         } catch (_: Exception) { null }
     }
 
-    fun clearBmlSession() {
+    fun clearBmlSession(loginId: String) {
         prefs.edit()
-            .remove("bml_enc_token")
-            .remove("bml_enc_device_id")
+            .remove("bml_${loginId}_enc_token")
+            .remove("bml_${loginId}_enc_device_id")
             .apply()
     }
 
@@ -315,16 +362,6 @@ class CredentialStore(context: Context) {
         return try { decrypt(enc, key) } catch (_: Exception) { null }
     }
 
-    fun saveBmlFullName(name: String) {
-        val key = getOrCreateKey()
-        prefs.edit().putString("bml_enc_full_name", encrypt(name, key)).apply()
-    }
-
-    fun loadBmlFullName(): String? {
-        val key = getOrCreateKey()
-        val enc = prefs.getString("bml_enc_full_name", null) ?: return null
-        return try { decrypt(enc, key) } catch (_: Exception) { null }
-    }
 
     fun saveMibUserProfile(p: MibUserProfile) {
         val json = JSONObject().apply {
@@ -355,7 +392,7 @@ class CredentialStore(context: Context) {
         } catch (_: Exception) { null }
     }
 
-    fun saveBmlUserProfile(p: BmlUserProfile) {
+    fun saveBmlUserProfile(loginId: String, p: BmlUserProfile) {
         val json = JSONObject().apply {
             put("fullName", p.fullName)
             put("email", p.email)
@@ -365,13 +402,12 @@ class CredentialStore(context: Context) {
             put("birthdate", p.birthdate)
         }.toString()
         val key = getOrCreateKey()
-        prefs.edit().putString("bml_enc_profile", encrypt(json, key)).apply()
-        prefs.edit().putString("bml_enc_full_name", encrypt(p.fullName, key)).apply()
+        prefs.edit().putString("bml_${loginId}_enc_profile", encrypt(json, key)).apply()
     }
 
-    fun loadBmlUserProfile(): BmlUserProfile? {
+    fun loadBmlUserProfile(loginId: String): BmlUserProfile? {
         val key = getOrCreateKey()
-        val enc = prefs.getString("bml_enc_profile", null) ?: return null
+        val enc = prefs.getString("bml_${loginId}_enc_profile", null) ?: return null
         return try {
             val o = JSONObject(decrypt(enc, key))
             BmlUserProfile(