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 3147105..0c2fc00 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
@@ -631,7 +631,7 @@ class TransferFragment : Fragment() {
         val remarks = binding.etRemarks.text?.toString()?.trim() ?: ""
 
         val isSrcBml = src.bank == "BML"
-        val isBmlBusiness = isSrcBml && isBusinessProfile(src)
+        val isBmlBusiness = isSrcBml && isBusinessProfile(src) // to test on personal accounts: use `isSrcBml`
         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" }
@@ -1064,6 +1064,7 @@ class TransferFragment : Fragment() {
             binding.containerBmlChannels.addView(row)
         }
 
+        disableTransferFields()
         binding.layoutBmlChannelSelection.visibility = View.VISIBLE
     }
 
@@ -1102,7 +1103,8 @@ class TransferFragment : Fragment() {
             }
 
             bmlOtpState = BmlOtpState.AWAITING_OTP
-            disableTransferFields()
+            binding.tvBmlOtpSentVia.text = "OTP code sent via: ${channel.description} (${channel.masked})"
+            binding.tvBmlOtpSentVia.visibility = View.VISIBLE
             binding.tilBmlOtp.visibility = View.VISIBLE
             binding.etBmlOtp.requestFocus()
             binding.btnTransfer.text = getString(R.string.transfer_verify_payment)
@@ -1201,6 +1203,7 @@ class TransferFragment : Fragment() {
         pendingBmlTransfer = null
         val b = _binding ?: return
         b.layoutBmlChannelSelection.visibility = View.GONE
+        b.tvBmlOtpSentVia.visibility = View.GONE
         b.tilBmlOtp.visibility = View.GONE
         b.etBmlOtp.setText("")
         b.tilBmlOtp.error = null
diff --git a/app/src/main/res/layout/fragment_transfer.xml b/app/src/main/res/layout/fragment_transfer.xml
index 3b176fd..ea5ccf7 100644
--- a/app/src/main/res/layout/fragment_transfer.xml
+++ b/app/src/main/res/layout/fragment_transfer.xml
@@ -361,6 +361,16 @@
 
                 </LinearLayout>
 
+                <!-- BML business OTP: sent-via label (shown after channel selection) -->
+                <TextView
+                    android:id="@+id/tvBmlOtpSentVia"
+                    android:layout_width="match_parent"
+                    android:layout_height="wrap_content"
+                    android:layout_marginBottom="8dp"
+                    android:textAppearance="?attr/textAppearanceBodySmall"
+                    android:textColor="?attr/colorOnSurfaceVariant"
+                    android:visibility="gone" />
+
                 <!-- BML business OTP: verification code input (shown after channel selection) -->
                 <com.google.android.material.textfield.TextInputLayout
                     android:id="@+id/tilBmlOtp"