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 df0d414..1568267 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
@@ -41,6 +41,7 @@ import sh.sar.basedbank.databinding.FragmentTransferBinding
 import sh.sar.basedbank.databinding.ItemAccountDropdownBinding
 import sh.sar.basedbank.databinding.ItemPickerSectionHeaderBinding
 import sh.sar.basedbank.util.CredentialStore
+import sh.sar.basedbank.util.AccountInputParser
 import sh.sar.basedbank.util.PaymvQrParser
 import sh.sar.basedbank.util.RecentPick
 import sh.sar.basedbank.util.RecentsCache
@@ -190,6 +191,10 @@ class TransferFragment : Fragment() {
     }
 
     private fun lookupAccount() {
+        if (selectedAccount == null) {
+            Toast.makeText(requireContext(), R.string.transfer_select_source_first, Toast.LENGTH_SHORT).show()
+            return
+        }
         val accountNumber = binding.etTo.text?.toString()?.trim() ?: ""
         if (accountNumber.isBlank()) {
             Toast.makeText(requireContext(), R.string.transfer_enter_account_first, Toast.LENGTH_SHORT).show()
@@ -225,7 +230,12 @@ class TransferFragment : Fragment() {
             var errorMsg: String? = null
             val info = withContext(Dispatchers.IO) {
                 if (isBmlSource && bmlSess != null) {
-                    val bmlResult = try { BmlLoginFlow().validateAccount(bmlSess, accountNumber) } catch (_: Exception) { null }
+                    val inputType = AccountInputParser.detect(accountNumber)
+                    val bmlFlow = BmlLoginFlow()
+                    val bmlResult = try {
+                        if (inputType == AccountInputParser.InputType.MIB_ACCOUNT) bmlFlow.verifyMibAccount(bmlSess, accountNumber)
+                        else bmlFlow.validateAccount(bmlSess, accountNumber)
+                    } catch (_: Exception) { null }
                     if (bmlResult != null) {
                         val bankId = when (bmlResult.trnType) {
                             "IAT" -> "MALBMVMV"
@@ -360,7 +370,7 @@ class TransferFragment : Fragment() {
 
         val isSrcBml = src.profileType.startsWith("BML")
         val isSrcCard = src.profileType == "BML_PREPAID"
-        val isDestMib = resolvedAccountNumber.matches(Regex("^9\\d{16}$"))
+        val isDestMib = AccountInputParser.detect(resolvedAccountNumber) == AccountInputParser.InputType.MIB_ACCOUNT
         val currency = src.currencyName.ifBlank { "MVR" }
         val allAccounts = viewModel.accounts.value ?: emptyList()
         val allContacts = viewModel.contacts.value ?: emptyList()
@@ -430,7 +440,7 @@ class TransferFragment : Fragment() {
             ?: return Triple(false, "OTP unavailable", null)
         val currencyCode = if (src.currencyName == "USD") "840" else "462"
         val currency = if (src.currencyName == "USD") "USD" else "MVR"
-        val isDestMib = destAccount.matches(Regex("^9\\d{16}$"))
+        val isDestMib = AccountInputParser.detect(destAccount) == AccountInputParser.InputType.MIB_ACCOUNT
         val bankNo = if (isDestMib) 2 else 3
         val toBank = when {
             isDestMib -> "MIB"
diff --git a/app/src/main/java/sh/sar/basedbank/util/AccountInputParser.kt b/app/src/main/java/sh/sar/basedbank/util/AccountInputParser.kt
new file mode 100644
index 0000000..ba3201f
--- /dev/null
+++ b/app/src/main/java/sh/sar/basedbank/util/AccountInputParser.kt
@@ -0,0 +1,25 @@
+package sh.sar.basedbank.util
+
+object AccountInputParser {
+
+    enum class InputType {
+        MIB_ACCOUNT,  // 17 digits starting with 9
+        BML_ACCOUNT,  // 13 digits starting with 7
+        PHONE,        // 7 digits starting with 7 or 9
+        NATIONAL_ID,  // A followed by 6 digits
+        EMAIL,
+        UNKNOWN
+    }
+
+    fun detect(input: String): InputType {
+        val s = input.trim()
+        return when {
+            s.matches(Regex("^9\\d{16}$"))   -> InputType.MIB_ACCOUNT
+            s.matches(Regex("^7\\d{12}$"))   -> InputType.BML_ACCOUNT
+            s.matches(Regex("^[79]\\d{6}$")) -> InputType.PHONE
+            s.matches(Regex("^[Aa]\\d{6}$")) -> InputType.NATIONAL_ID
+            s.contains("@")                  -> InputType.EMAIL
+            else                             -> InputType.UNKNOWN
+        }
+    }
+}
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 01cdce6..460fecf 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -148,6 +148,7 @@
     <string name="transfer_scan_qr">Scan QR</string>
     <string name="qr_pick_image">Pick image</string>
     <string name="transfer_qr_invalid">Invalid or unsupported QR code</string>
+    <string name="transfer_select_source_first">Select a source account first</string>
     <string name="transfer_enter_account_first">Enter an account number first</string>
     <string name="transfer_account_not_found">Account not found</string>
     <string name="transfer_session_unavailable">Session unavailable — please re-login</string>