diff --git a/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt b/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt
index d0db647..64cda54 100644
--- a/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayLoginFlow.kt
@@ -11,7 +11,9 @@ import okhttp3.RequestBody
 import okio.Buffer
 import org.json.JSONObject
 import sh.sar.basedbank.api.mib.MibAccount
+import sh.sar.basedbank.api.mib.MibBeneficiary
 import sh.sar.basedbank.api.mib.Transaction
+import sh.sar.basedbank.util.AccountInputParser
 import java.security.SecureRandom
 import java.util.concurrent.TimeUnit
 
@@ -245,6 +247,61 @@ class FahipayLoginFlow {
         } catch (_: Exception) { Pair(emptyList(), 0) }
     }
 
+    /**
+     * Fetches Fahipay saved favourites for the 4 service groups.
+     * Only includes entries whose number is a valid 7-digit Maldivian phone number (starts with 7 or 9).
+     * Groups with no valid entries are omitted.
+     */
+    fun fetchContacts(session: FahipaySession): List<FahipayContactGroup> {
+        val endpoints = listOf(
+            Triple("FAHIPAY_RAASTAS",       "Raastas",       "ooredooraastas"),
+            Triple("FAHIPAY_RELOAD",        "Reload",        "dhiraagureload"),
+            Triple("FAHIPAY_OOREDOO_BILL",  "Ooredoo Bill",  "ooredoobillpay"),
+            Triple("FAHIPAY_DHIRAAGU_BILL", "Dhiraagu Bill", "dhiraagubillpay")
+        )
+        val result = mutableListOf<FahipayContactGroup>()
+        for ((catId, label, page) in endpoints) {
+            try {
+                val resp = client.newCall(
+                    Request.Builder()
+                        .url("$BASE_URL/api/app/favs/?page=$page&lang=en")
+                        .header("authid", session.authId)
+                        .header("User-Agent", UA_OKHTTP)
+                        .build()
+                ).execute()
+                val json = resp.body?.string() ?: continue
+                resp.close()
+                val obj = JSONObject(json)
+                // Empty group comes back as a JSON array [], not an object — optJSONObject returns null
+                val groupObj = obj.optJSONObject(page) ?: continue
+                val contacts = mutableListOf<MibBeneficiary>()
+                for (key in groupObj.keys()) {
+                    val entry = groupObj.getJSONObject(key)
+                    val number = entry.optString("number")
+                    val name = entry.optString("name").trim().ifBlank { number }
+                    if (AccountInputParser.detect(number) != AccountInputParser.InputType.PHONE) continue
+                    contacts.add(MibBeneficiary(
+                        benefNo = "fp_${page}_$number",
+                        benefName = "",
+                        benefNickName = name,
+                        benefAccount = number,
+                        benefType = "FAHIPAY",
+                        bankColor = "#FF6B00",
+                        benefBankName = label,
+                        bankCode = "",
+                        benefStatus = "",
+                        transferCyDesc = "",
+                        customerImgHash = null,
+                        benefCategoryId = catId,
+                        profileId = ""
+                    ))
+                }
+                if (contacts.isNotEmpty()) result.add(FahipayContactGroup(catId, label, contacts))
+            } catch (_: Exception) {}
+        }
+        return result
+    }
+
     private fun deviceParts(deviceUuid: String): Array<Pair<String, String>> = arrayOf(
         "device[available]" to "true",
         "device[platform]" to "Android",
diff --git a/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt b/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt
index 1471d83..322f646 100644
--- a/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/fahipay/FahipayModels.kt
@@ -19,3 +19,9 @@ data class FahipayLoginStep(
     val twoFactorRequired: Boolean,
     val authId: String? = null  // non-null when 2FA not required
 )
+
+data class FahipayContactGroup(
+    val categoryId: String,
+    val label: String,
+    val contacts: List<sh.sar.basedbank.api.mib.MibBeneficiary>
+)
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 7d3edca..39c8e57 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
@@ -137,6 +137,8 @@ class ContactPickerSheetFragment : BottomSheetDialogFragment() {
 
         viewModel.contacts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
         viewModel.accounts.observe(viewLifecycleOwner) { pagerAdapter.rebuildAll() }
+
+        (activity as? HomeActivity)?.loadAllContacts()
     }
 
     private fun attachMediator(pages: List<TabDef>) {
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/ContactsAdapter.kt b/app/src/main/java/sh/sar/basedbank/ui/home/ContactsAdapter.kt
index 8e06a37..e8b45ad 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/ContactsAdapter.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/ContactsAdapter.kt
@@ -100,9 +100,14 @@ class ContactsAdapter(
         RecyclerView.ViewHolder(binding.root) {
 
         fun bind(contact: MibBeneficiary, photo: Bitmap?) {
+            val isFahipay = contact.benefType == "FAHIPAY"
             binding.tvContactName.text = contact.benefNickName
             binding.tvContactAccount.text = contact.benefAccount
-            binding.tvRealName.text = "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}"
+            binding.tvRealName.text = if (isFahipay) "" else "${contact.benefName} · ${contact.transferCyDesc} · ${contact.benefBankName}"
+            binding.tvRealName.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnTransferContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnEditContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
+            binding.btnDeleteContact.visibility = if (isFahipay) android.view.View.GONE else android.view.View.VISIBLE
 
             if (photo != null) {
                 binding.ivContactPhoto.setImageBitmap(photo)
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 bb9b163..3d5b796 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
@@ -115,6 +115,8 @@ class ContactsFragment : Fragment() {
             AddContactSheetFragment().show(childFragmentManager, "add_contact")
         }
 
+        (activity as? HomeActivity)?.loadAllContacts()
+
         viewModel.contactCategories.observe(viewLifecycleOwner) { cats ->
             rebuildPager(cats)
         }
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 038020e..78f5dd8 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
@@ -117,19 +117,11 @@ class HomeActivity : AppCompatActivity() {
 
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
-            val cachedContacts = mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this))
-            if (cachedContacts.isNotEmpty()) viewModel.contacts.value = cachedContacts
-            val cachedCats = ContactsCache.loadCategories(this)
-            if (cachedCats.isNotEmpty()) viewModel.contactCategories.value = cachedCats
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
             refreshFinancing(app.mibSession, app.mibProfiles)
-            refreshContacts(app.mibSession, app.mibProfiles)
-            if (app.bmlSession != null) {
-                refreshBmlContacts(app)
-                refreshBmlLimits(app.bmlSession!!)
-            }
+            if (app.bmlSession != null) refreshBmlLimits(app.bmlSession!!)
         } else {
             // Came from lock screen — show caches immediately, refresh everything in background
             val cachedMib = AccountCache.load(this)
@@ -139,10 +131,6 @@ class HomeActivity : AppCompatActivity() {
             if (merged.isNotEmpty()) viewModel.accounts.value = merged
             val cachedFinancing = FinancingCache.load(this)
             if (cachedFinancing.isNotEmpty()) viewModel.financing.value = cachedFinancing
-            val cachedContacts = mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this))
-            if (cachedContacts.isNotEmpty()) viewModel.contacts.value = cachedContacts
-            val cachedCats = ContactsCache.loadCategories(this)
-            if (cachedCats.isNotEmpty()) viewModel.contactCategories.value = cachedCats
             val cachedLimits = ForeignLimitsCache.load(this)
             if (cachedLimits.isNotEmpty()) viewModel.bmlLimits.value = cachedLimits
 
@@ -432,12 +420,8 @@ class HomeActivity : AppCompatActivity() {
             binding.refreshIndicator.visibility = View.GONE
 
             val app = application as BasedBankApp
-            if (bmlSession != null) {
-                refreshBmlContacts(app)
-                refreshBmlLimits(bmlSession)
-            }
+            if (bmlSession != null) refreshBmlLimits(bmlSession)
             refreshFinancing(app.mibSession, app.mibProfiles)
-            refreshContacts(app.mibSession, app.mibProfiles)
         }
     }
 
@@ -473,6 +457,48 @@ class HomeActivity : AppCompatActivity() {
         }
     }
 
+    fun loadAllContacts() {
+        val app = application as BasedBankApp
+        // Populate ViewModel from cache immediately if empty
+        if (viewModel.contacts.value.isNullOrEmpty()) {
+            val cached = mergeContacts(
+                mergeContacts(ContactsCache.loadContacts(this), ContactsCache.loadBml(this)),
+                ContactsCache.loadFahipay(this)
+            )
+            if (cached.isNotEmpty()) viewModel.contacts.value = cached
+        }
+        if (viewModel.contactCategories.value.isNullOrEmpty()) {
+            val cats = ContactsCache.loadCategories(this) + ContactsCache.loadFahipayCategories(this)
+            if (cats.isNotEmpty()) viewModel.contactCategories.value = cats
+        }
+        // Refresh all banks in background
+        refreshContacts(app.mibSession, app.mibProfiles)
+        refreshBmlContacts(app)
+        if (app.fahipaySession != null) refreshFahipayContacts(app.fahipaySession!!)
+    }
+
+    private fun refreshFahipayContacts(session: FahipaySession) {
+        lifecycleScope.launch {
+            try {
+                val groups = withContext(Dispatchers.IO) {
+                    val flow = FahipayLoginFlow()
+                    flow.setSessionCookie(session.sessionCookie)
+                    flow.fetchContacts(session)
+                }
+                if (groups.isEmpty()) return@launch
+                val contacts = groups.flatMap { it.contacts }
+                val categories = groups.map { MibBeneficiaryCategory(it.categoryId, it.label, it.contacts.size) }
+                ContactsCache.saveFahipay(this@HomeActivity, contacts, categories)
+                val existing = viewModel.contacts.value ?: emptyList()
+                val nonFahipay = existing.filter { it.benefType != "FAHIPAY" }
+                viewModel.contacts.postValue(mergeContacts(nonFahipay, contacts))
+                val existingCats = viewModel.contactCategories.value ?: emptyList()
+                val nonFahipayCats = existingCats.filter { !it.id.startsWith("FAHIPAY_") }
+                viewModel.contactCategories.postValue(nonFahipayCats + categories)
+            } catch (_: Exception) {}
+        }
+    }
+
     private fun mergeContacts(
         mib: List<MibBeneficiary>,
         bml: List<MibBeneficiary>
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 8a186ac..aeec856 100644
--- a/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt
+++ b/app/src/main/java/sh/sar/basedbank/util/ContactsCache.kt
@@ -131,6 +131,66 @@ object ContactsCache {
         } catch (e: Exception) { emptyList() }
     }
 
+    fun saveFahipay(context: Context, contacts: List<MibBeneficiary>, categories: List<MibBeneficiaryCategory>) {
+        val prefs = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE).edit()
+        val arr = JSONArray()
+        for (c in contacts) arr.put(JSONObject().apply {
+            put("benefNo", c.benefNo)
+            put("benefNickName", c.benefNickName)
+            put("benefAccount", c.benefAccount)
+            put("bankColor", c.bankColor)
+            put("benefBankName", c.benefBankName)
+            put("benefCategoryId", c.benefCategoryId)
+        })
+        prefs.putString("fahipay_contacts", CacheEncryption.encrypt(arr.toString()))
+        val catArr = JSONArray()
+        for (cat in categories) catArr.put(JSONObject().apply {
+            put("id", cat.id)
+            put("categoryName", cat.categoryName)
+            put("numBenef", cat.numBenef)
+        })
+        prefs.putString("fahipay_categories", CacheEncryption.encrypt(catArr.toString()))
+        prefs.apply()
+    }
+
+    fun loadFahipay(context: Context): List<MibBeneficiary> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString("fahipay_contacts", null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                MibBeneficiary(
+                    benefNo = o.optString("benefNo"),
+                    benefName = "",
+                    benefNickName = o.optString("benefNickName"),
+                    benefAccount = o.optString("benefAccount"),
+                    benefType = "FAHIPAY",
+                    bankColor = o.optString("bankColor", "#FF6B00"),
+                    benefBankName = o.optString("benefBankName"),
+                    bankCode = "",
+                    benefStatus = "",
+                    transferCyDesc = "",
+                    customerImgHash = null,
+                    benefCategoryId = o.optString("benefCategoryId"),
+                    profileId = ""
+                )
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
+    fun loadFahipayCategories(context: Context): List<MibBeneficiaryCategory> {
+        val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
+            .getString("fahipay_categories", null) ?: return emptyList()
+        return try {
+            val arr = JSONArray(CacheEncryption.decrypt(raw))
+            (0 until arr.length()).map { i ->
+                val o = arr.getJSONObject(i)
+                MibBeneficiaryCategory(o.optString("id"), o.optString("categoryName"), o.optInt("numBenef"))
+            }
+        } catch (_: Exception) { emptyList() }
+    }
+
     fun loadCategories(context: Context): List<MibBeneficiaryCategory> {
         val raw = context.getSharedPreferences(PREFS, Context.MODE_PRIVATE)
             .getString(KEY_CATEGORIES, null) ?: return emptyList()