diff --git a/frontend/admin-web/src/services/systemWithdrawalService.ts b/frontend/admin-web/src/services/systemWithdrawalService.ts
index 53a53108..5aeb18f9 100644
--- a/frontend/admin-web/src/services/systemWithdrawalService.ts
+++ b/frontend/admin-web/src/services/systemWithdrawalService.ts
@@ -19,23 +19,24 @@ import type {
 export const systemWithdrawalService = {
   /**
    * 获取可划转的系统账户列表
-   * [2026-01-07] 修复：apiClient 响应拦截器已解包 response.data，这里 response 就是 { success, data }
+   * [2026-01-07] 修复：apiClient 响应拦截器返回 response.data，即 { success, data }
+   * 所以实际数据在 response.data.data
    */
   async getAccounts(): Promise<SystemAccount[]> {
     const response = await apiClient.get(API_ENDPOINTS.SYSTEM_WITHDRAWAL.ACCOUNTS);
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const result = (response as any)?.data;
+    const result = (response as any)?.data?.data;
     return result ?? [];
   },
 
   /**
    * 获取划转订单列表
+   * [2026-01-07] 修复：响应结构为 { success, data: { code, message, data } }，需要 .data.data
    */
   async getOrders(params: SystemWithdrawalQueryParams = {}): Promise<SystemWithdrawalOrderListResponse> {
     const response = await apiClient.get(API_ENDPOINTS.SYSTEM_WITHDRAWAL.ORDERS, { params });
-    // [2026-01-07] 修复：apiClient 响应拦截器已解包 response.data，这里 response 就是 { success, data }
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const result = (response as any)?.data;
+    const result = (response as any)?.data?.data;
     // 适配后端返回格式：orders -> items, pageSize -> limit
     if (result) {
       return {
@@ -50,25 +51,25 @@ export const systemWithdrawalService = {
 
   /**
    * 获取账户名称
-   * [2026-01-07] 修复：使用 query 参数传递 accountSequence，修复响应解析路径
+   * [2026-01-07] 修复：使用 query 参数传递 accountSequence，响应结构需要 .data.data
    */
   async getAccountName(accountSequence: string): Promise<{ accountSequence: string; name: string }> {
     const response = await apiClient.get(API_ENDPOINTS.SYSTEM_WITHDRAWAL.ACCOUNT_NAME, {
       params: { accountSequence },
     });
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    const result = (response as any)?.data;
+    const result = (response as any)?.data?.data;
     return result ?? { accountSequence, name: '未知账户' };
   },
 
   /**
    * 发起划转请求
-   * [2026-01-07] 修复：响应解析路径修正
+   * [2026-01-07] 修复：响应结构需要 .data.data
    */
   async request(data: SystemWithdrawalRequest): Promise<SystemWithdrawalResponse> {
     const response = await apiClient.post(API_ENDPOINTS.SYSTEM_WITHDRAWAL.REQUEST, data);
     // eslint-disable-next-line @typescript-eslint/no-explicit-any
-    return (response as any)?.data;
+    return (response as any)?.data?.data;
   },
 };