diff --git a/frontend/mobile-app/lib/core/providers/notification_badge_provider.dart b/frontend/mobile-app/lib/core/providers/notification_badge_provider.dart
index e8eab35e..120e23d7 100644
--- a/frontend/mobile-app/lib/core/providers/notification_badge_provider.dart
+++ b/frontend/mobile-app/lib/core/providers/notification_badge_provider.dart
@@ -70,6 +70,15 @@ class NotificationBadgeNotifier extends StateNotifier<NotificationBadgeState>
       const Duration(seconds: _refreshIntervalSeconds),
       (_) => _loadUnreadCount(),
     );
+    debugPrint('[NotificationBadge] 自动刷新已启动 (间隔: ${_refreshIntervalSeconds}s)');
+  }
+
+  /// 停止自动刷新定时器（账号切换时调用，防止定时器在切换窗口期触发混账号请求）
+  /// 调用后不会立即 dispose，invalidate Provider 时会重建并自动重启
+  void stopAutoRefresh() {
+    _refreshTimer?.cancel();
+    _refreshTimer = null;
+    debugPrint('[NotificationBadge] 自动刷新已停止（切换账号）');
   }
 
   /// 加载未读通知数量
diff --git a/frontend/mobile-app/lib/features/account/presentation/pages/account_switch_page.dart b/frontend/mobile-app/lib/features/account/presentation/pages/account_switch_page.dart
index ef761802..a54367c8 100644
--- a/frontend/mobile-app/lib/features/account/presentation/pages/account_switch_page.dart
+++ b/frontend/mobile-app/lib/features/account/presentation/pages/account_switch_page.dart
@@ -72,51 +72,56 @@ class _AccountSwitchPageState extends ConsumerState<AccountSwitchPage> {
     try {
       final multiAccountService = ref.read(multiAccountServiceProvider);
 
-      // 保存当前账号数据
-      debugPrint('$_tag [1/6] 保存当前账号数据...');
-      await multiAccountService.saveCurrentAccountData();
-
       // 切换到新账号
-      // onBeforeRestore: storage 已清空、新数据尚未恢复 → 只停定时器
+      // switchToAccount() 内部会先调用 saveCurrentAccountData()，无需在此重复调用
+      // onBeforeRestore: storage 已清空、新数据尚未恢复 → 只停定时器，禁止发起任何 API 请求
       // Provider invalidate 必须在 switchToAccount 返回后做（此时 storage 已恢复新账号数据）
-      debugPrint('$_tag [2/6] 调用 switchToAccount()...');
+      debugPrint('$_tag [1/5] 调用 switchToAccount()...');
       final success = await multiAccountService.switchToAccount(
         account.userSerialNum,
         onBeforeRestore: () async {
-          // ===== 1. 停止所有用户相关的定时任务 =====
-          debugPrint('$_tag [3/6] onBeforeRestore - 停止定时器...');
+          // ===== 停止所有用户相关的定时任务 =====
+          // 必须在此阶段停止，防止定时器在 storage 空窗期（clear 完成、restore 未完成）
+          // 触发混账号请求（旧账号 userSerialNum + 新账号 token）
+          debugPrint('$_tag [2/5] onBeforeRestore - 停止全部定时器...');
           ref.read(walletStatusProvider.notifier).stopPolling();
           debugPrint('$_tag   ✓ walletStatusProvider 轮询已停止');
           ref.read(pendingActionPollingServiceProvider).stop();
           debugPrint('$_tag   ✓ pendingActionPollingService 已停止');
+          // NotificationBadge 30s 定时器：必须停止，否则在 restore 过程中触发，
+          // 读取 authProvider 内存中的旧 userSerialNum + 已恢复的新 token，产生混账号请求
+          ref.read(notificationBadgeProvider.notifier).stopAutoRefresh();
+          debugPrint('$_tag   ✓ notificationBadgeProvider 自动刷新已停止');
           // 遥测：清空旧账号事件队列、停止上传
           if (TelemetryService().isInitialized) {
             await TelemetryService().pauseForLogout();
             debugPrint('$_tag   ✓ TelemetryService 已暂停');
           }
-          debugPrint('$_tag [3/6] onBeforeRestore - 定时器全部停止');
+          debugPrint('$_tag [2/5] onBeforeRestore - 定时器全部停止');
         },
       );
 
       if (success && mounted) {
-        // ===== 2. invalidate 所有账号相关 Provider（此时 storage 已是新账号数据）=====
-        debugPrint('$_tag [4/6] switchToAccount 成功，invalidate Provider...');
+        // ===== invalidate 所有账号相关 Provider（此时 storage 已是新账号数据）=====
+        // 必须在 switchToAccount 返回后执行，确保 storage 已完整恢复，
+        // Provider 重建时读到的是新账号数据
+        debugPrint('$_tag [3/5] switchToAccount 成功，invalidate Provider...');
         ref.invalidate(authProvider);
         debugPrint('$_tag   ✓ authProvider invalidated');
         ref.invalidate(walletStatusProvider);
         debugPrint('$_tag   ✓ walletStatusProvider invalidated');
         ref.invalidate(notificationBadgeProvider);
-        debugPrint('$_tag   ✓ notificationBadgeProvider invalidated');
+        debugPrint('$_tag   ✓ notificationBadgeProvider invalidated（将重建并自动重启定时器）');
 
-        // ===== 3. 恢复遥测上传（新账号上下文）=====
-        debugPrint('$_tag [5/6] 恢复遥测上传...');
+        // ===== 恢复遥测上传（新账号上下文）=====
+        debugPrint('$_tag [4/5] 恢复遥测上传...');
         if (TelemetryService().isInitialized) {
           TelemetryService().resumeAfterLogin();
           debugPrint('$_tag   ✓ TelemetryService 已恢复');
         }
 
         // 切换成功，跳转到主页刷新状态
-        debugPrint('$_tag [6/6] 导航到 ranking 页面');
+        debugPrint('$_tag [5/5] 导航到 ranking 页面');
         debugPrint('$_tag ========== 切换账号完成 ==========');
         context.go(RoutePaths.ranking);
       } else if (mounted) {