diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeApi.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeApi.java
index 57bfb9fb..1b4f29e0 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeApi.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeApi.java
@@ -2,36 +2,32 @@
 
 import io.swagger.v3.oas.annotations.Operation;
 import io.swagger.v3.oas.annotations.tags.Tag;
-import kr.ac.kookmin.stream.api.common.openapi.ApiErrorCode;
-import kr.ac.kookmin.stream.api.common.dto.ApiResponse;
-import kr.ac.kookmin.stream.api.common.dto.PageParams;
-import kr.ac.kookmin.stream.api.common.dto.PageResponse;
 import kr.ac.kookmin.stream.api.admin.AdminApiUser;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeAmountUpdateRequest;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeLinkUpdateRequest;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeAccountUpdateRequest;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeStatusUpdateRequest;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.response.AdminFeeSearchResponse;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeAmountUpdateResponse;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeLinkUpdateResponse;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeAccountResponse;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeStatusUpdateResponse;
+import kr.ac.kookmin.stream.api.common.dto.ApiResponse;
+import kr.ac.kookmin.stream.api.common.dto.PageParams;
+import kr.ac.kookmin.stream.api.common.dto.PageResponse;
+import kr.ac.kookmin.stream.api.common.openapi.ApiErrorCode;
 import kr.ac.kookmin.stream.common.CommonErrorCode;
-import kr.ac.kookmin.stream.member.domain.member.domain.MemberErrorCode;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeErrorCode;
 import org.springdoc.core.annotations.ParameterObject;
 
 /**
  * 운영진 학생회비 API의 문서 명세. 구현은 {@link AdminFeeController}가 맡는다.
  * <p>
- * 스웨거 문서용 어노테이션만 이쪽에 두고 컨트롤러에는 라우팅과 본문만 남긴다. 경로 매핑과
- * 파라미터 바인딩(@{@code ModelAttribute}, @{@code RequestBody} 등), 부서 권한(@{@code RequireDepartment})은
- * 구현체에 둔다.
+ * 계좌와 학기당 회비는 한 화면에서 같이 저장하므로 하나의 엔드포인트(`/account`)로 묶여 있다.
  */
-@Tag(name = "학생회비 관리", description = "운영진 학생회비 납부 확인·설정")
+@Tag(name = "학생회비 (운영진)", description = "학생회비 납부 관리")
 public interface AdminFeeApi {
 
-    /** 납부 확인 요청 목록. 상태·키워드로 필터링하고 페이지네이션한다. */
-    @Operation(summary = "납부 확인 요청 목록 조회",
-        description = "학생회비 납부 확인 요청을 상태(status)와 이름·학번 키워드(keyword)로 필터링해 페이지 단위로 조회한다.")
+    /** 납부자 목록. 회원 기준이라 납부 정보를 내지 않은 "납부 전" 회원도 포함된다. */
+    @Operation(summary = "학생회비 납부자 목록 조회",
+        description = "이름·학번 검색과 납부 상태 필터로 회원을 조회한다. 납부 정보를 내지 않은 회원도 "
+            + "납부 전으로 함께 나오며, 그런 행은 studentTransferStatusId를 비롯한 납부 값이 모두 null이다.")
     @ApiErrorCode(type = CommonErrorCode.class, codes = {"INVALID_INPUT"})
     @ApiErrorCode(type = FeeErrorCode.class, codes = {"INVALID_TRANSFER_STATUS"})
     ApiResponse<PageResponse<AdminFeeSearchResponse>> getRequests(
@@ -41,36 +37,30 @@ ApiResponse<PageResponse<AdminFeeSearchResponse>> getRequests(
         @ParameterObject PageParams pageParams
     );
 
-    /** 납부 확인 요청 처리. 승인/반려로 상태를 바꾸고 납부자 명부에 반영한다. */
-    @Operation(summary = "납부 확인 요청 처리",
-        description = "납부 확인 요청을 승인 또는 반려 처리하고 납부자 명부를 갱신한다.")
-    @ApiErrorCode(type = CommonErrorCode.class, codes = {"INVALID_INPUT"})
-    @ApiErrorCode(
-        type = FeeErrorCode.class,
-        codes = {"INVALID_TRANSFER_STATUS", "FEE_REQUEST_NOT_FOUND", "FEE_REQUEST_ALREADY_REVIEWED"}
-    )
-    @ApiErrorCode(type = MemberErrorCode.class, codes = {"MEMBER_NOT_FOUND"})
+    /** 납부 상태 처리. 이미 처리한 요청도 다시 바꿀 수 있다. */
+    @Operation(summary = "학생회비 납부 상태 수정",
+        description = "납부 상태를 바꾼다. 잘못 처리한 경우를 되돌릴 수 있도록 이미 처리한 요청도 다시 바꿀 수 있다. "
+            + "확인필요(NEEDS_CHECK)로 바꿀 때는 학생에게 보여줄 안내 문구가 필요하다. "
+            + "확인필요 학생은 직접 재제출할 수 없으므로, 다시 내게 하려면 납부 전(UNPAID)으로 되돌린다.")
+    @ApiErrorCode(type = FeeErrorCode.class,
+        codes = {"INVALID_TRANSFER_STATUS", "INVALID_ADMIN_NOTE", "FEE_REQUEST_NOT_FOUND"})
     ApiResponse<FeeStatusUpdateResponse> updateStatus(
         AdminApiUser apiUser,
-        Long transferStatusId,
+        Long studentTransferStatusId,
         FeeStatusUpdateRequest request
     );
 
-    /** 송금 링크(은행·계좌번호) 설정. */
-    @Operation(summary = "송금 링크 설정",
-        description = "학생회비 송금에 쓰이는 은행과 계좌번호를 설정한다.")
-    @ApiErrorCode(type = CommonErrorCode.class, codes = {"INVALID_INPUT"})
-    ApiResponse<FeeLinkUpdateResponse> updateLink(
-        AdminApiUser apiUser,
-        FeeLinkUpdateRequest request
-    );
+    /** 회비 납부 설정 조회. 수정 폼의 초기값으로 쓴다. */
+    @Operation(summary = "회비 납부 계좌 조회",
+        description = "설정된 은행·계좌번호·학기당 회비를 조회한다. 아직 설정하지 않았으면 은행과 계좌번호는 null이고 "
+            + "학기당 회비는 기본값이 내려간다.")
+    ApiResponse<FeeAccountResponse> getAccount(AdminApiUser apiUser);
 
-    /** 학생회비 금액 설정. */
-    @Operation(summary = "학생회비 금액 설정",
-        description = "학생회비 송금 금액을 설정한다.")
-    @ApiErrorCode(type = CommonErrorCode.class, codes = {"INVALID_INPUT"})
-    ApiResponse<FeeAmountUpdateResponse> updateAmount(
-        AdminApiUser apiUser,
-        FeeAmountUpdateRequest request
-    );
+    /** 회비 납부 설정 변경. 계좌와 학기당 회비를 함께 받는다. */
+    @Operation(summary = "회비 납부 계좌 변경",
+        description = "은행·계좌번호·학기당 회비를 한 번에 저장한다. 은행은 허용 목록 중 하나여야 하고 "
+            + "계좌번호는 하이픈을 제외한 숫자 10~14자리다. 송금 링크는 저장된 값으로 조회 시점에 만들어진다.")
+    @ApiErrorCode(type = FeeErrorCode.class,
+        codes = {"INVALID_BANK", "INVALID_ACCOUNT_NO", "INVALID_TRANSFER_AMOUNT"})
+    ApiResponse<FeeAccountResponse> updateAccount(AdminApiUser apiUser, FeeAccountUpdateRequest request);
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeController.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeController.java
index 735ea965..d65b8ced 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeController.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/AdminFeeController.java
@@ -1,26 +1,20 @@
 package kr.ac.kookmin.stream.api.admin.welfare.fee;
 
 import jakarta.validation.Valid;
-import java.util.Map;
-import kr.ac.kookmin.stream.api.common.dto.ApiResponse;
-import kr.ac.kookmin.stream.api.common.dto.PageParams;
-import kr.ac.kookmin.stream.api.common.dto.PageResponse;
 import kr.ac.kookmin.stream.api.admin.AdminApiUser;
 import kr.ac.kookmin.stream.api.admin.security.RequireDepartment;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeAmountUpdateRequest;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeLinkUpdateRequest;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeAccountUpdateRequest;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeStatusUpdateRequest;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.response.AdminFeeSearchResponse;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeAmountUpdateResponse;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeLinkUpdateResponse;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeAccountResponse;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.response.FeeStatusUpdateResponse;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.usecase.AdminFeeReviewUseCase;
 import kr.ac.kookmin.stream.api.admin.welfare.fee.usecase.AdminFeeSearchUseCase;
-import kr.ac.kookmin.stream.api.admin.welfare.fee.usecase.MemberFeeStatus;
+import kr.ac.kookmin.stream.api.common.dto.ApiResponse;
+import kr.ac.kookmin.stream.api.common.dto.PageParams;
+import kr.ac.kookmin.stream.api.common.dto.PageResponse;
 import kr.ac.kookmin.stream.common.CouncilDepartment;
 import kr.ac.kookmin.stream.common.PageResult;
-import kr.ac.kookmin.stream.internal.domain.config.service.AdminConfigValueService;
-import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeConfigKeys;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.TransferStatus;
 import lombok.RequiredArgsConstructor;
@@ -39,9 +33,9 @@
 @RequiredArgsConstructor
 public class AdminFeeController implements AdminFeeApi {
 
-    private final AdminConfigValueService adminConfigValueService;
     private final AdminFeeSearchUseCase adminFeeSearchUseCase;
     private final AdminFeeReviewUseCase adminFeeReviewUseCase;
+    private final FeeAccountProvider feeAccountProvider;
 
     @Override
     @GetMapping("/requests")
@@ -52,51 +46,43 @@ public ApiResponse<PageResponse<AdminFeeSearchResponse>> getRequests(
         @RequestParam(required = false) String keyword,
         @Valid @ModelAttribute PageParams pageParams
     ) {
-        TransferStatus transferStatus = TransferStatus.from(status);
-        PageResult<MemberFeeStatus> result = adminFeeSearchUseCase.search(transferStatus, keyword, pageParams.toOffset());
+        PageResult<AdminFeeSearchResponse> result = adminFeeSearchUseCase.search(
+            TransferStatus.from(status), keyword, pageParams.toOffset());
 
-        return ApiResponse.success(
-                PageResponse.from(result, (vo) -> AdminFeeSearchResponse.of(vo.status(), vo.member()))
-        );
+        return ApiResponse.success(PageResponse.from(result, response -> response));
     }
 
     @Override
-    @PatchMapping("/requests/{transferStatusId}")
+    @PatchMapping("/requests/{studentTransferStatusId}")
     @RequireDepartment(CouncilDepartment.GENERAL_AFFAIRS)
     public ApiResponse<FeeStatusUpdateResponse> updateStatus(
         AdminApiUser apiUser,
-        @PathVariable Long transferStatusId,
-        @Valid @RequestBody FeeStatusUpdateRequest request
+        @PathVariable Long studentTransferStatusId,
+        @RequestBody FeeStatusUpdateRequest request
     ) {
-        TransferStatus status = TransferStatus.from(request.status());
-        StudentTransferStatus reviewed = adminFeeReviewUseCase.review(transferStatusId, status);
+        StudentTransferStatus reviewed = adminFeeReviewUseCase.review(
+            studentTransferStatusId, TransferStatus.from(request.status()), request.adminNote());
 
         return ApiResponse.success(FeeStatusUpdateResponse.from(reviewed));
     }
 
     @Override
-    @PutMapping("/link")
+    @GetMapping("/account")
     @RequireDepartment(CouncilDepartment.GENERAL_AFFAIRS)
-    public ApiResponse<FeeLinkUpdateResponse> updateLink(
-        AdminApiUser apiUser,
-        @Valid @RequestBody FeeLinkUpdateRequest request
-    ) {
-        adminConfigValueService.upsertValues(Map.of(
-            FeeConfigKeys.TRANSFER_BANK, request.bank(),
-            FeeConfigKeys.TRANSFER_ACCOUNT_NO, request.accountNo()
-        ));
-
-        return ApiResponse.success(FeeLinkUpdateResponse.of(request.bank(), request.accountNo()));
+    public ApiResponse<FeeAccountResponse> getAccount(AdminApiUser apiUser) {
+        return ApiResponse.success(FeeAccountResponse.from(feeAccountProvider.getAccount()));
     }
 
     @Override
-    @PutMapping("/amount")
+    @PutMapping("/account")
     @RequireDepartment(CouncilDepartment.GENERAL_AFFAIRS)
-    public ApiResponse<FeeAmountUpdateResponse> updateAmount(
+    public ApiResponse<FeeAccountResponse> updateAccount(
         AdminApiUser apiUser,
-        @Valid @RequestBody FeeAmountUpdateRequest request
+        @RequestBody FeeAccountUpdateRequest request
     ) {
-        adminConfigValueService.upsertValue(FeeConfigKeys.TRANSFER_AMOUNT, String.valueOf(request.amount()));
-        return ApiResponse.success(FeeAmountUpdateResponse.of(request.amount()));
+        FeeAccountValidator.validate(request);
+        FeeAccount saved = feeAccountProvider.save(request.bank(), request.accountNo(), request.amount());
+
+        return ApiResponse.success(FeeAccountResponse.from(saved));
     }
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccount.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccount.java
new file mode 100644
index 00000000..29a9f047
--- /dev/null
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccount.java
@@ -0,0 +1,32 @@
+package kr.ac.kookmin.stream.api.admin.welfare.fee;
+
+import kr.ac.kookmin.stream.welfare.domain.fee.service.FeeAmountCalculator;
+import kr.ac.kookmin.stream.welfare.domain.fee.service.TossTransferLinkGenerator;
+
+/**
+ * 관리자가 설정한 회비 납부 설정. 계좌는 전역 하나이고 학년도별로 나누지 않는다.
+ * <p>
+ * {@code api:app-api}에도 같은 모양의 record가 있다. 공유하지 않는 이유는 둘을 담을 자리가 없어서다 —
+ * {@code api:common-api}는 welfare·internal 모듈을 모르고, 그 의존을 추가하면 "role 무관 공통 인프라"라는
+ * 그 모듈의 역할이 깨진다. 설정 키는 {@code FeeConfigKeys} 하나를 같이 쓰므로 값이 어긋나지는 않는다.
+ *
+ * @param bank      설정 전이면 null
+ * @param accountNo 설정 전이면 null
+ * @param amount    학기당 회비. 설정 전이면 기본값
+ */
+public record FeeAccount(String bank, String accountNo, long amount) {
+
+    public boolean isConfigured() {
+        return bank != null && accountNo != null;
+    }
+
+    /** 금액이 빠진 송금 기본 링크. 계좌가 설정되기 전이면 null이다. */
+    public String generateTransferLinkUrl() {
+        return isConfigured() ? TossTransferLinkGenerator.generate(bank, accountNo, null) : null;
+    }
+
+    /** 남은 학기 수를 낸 학생의 납부 금액. 아직 내지 않았으면 null이다. */
+    public Long calculateTransferAmount(Integer remainingSemesters) {
+        return remainingSemesters == null ? null : FeeAmountCalculator.calculate(remainingSemesters, amount);
+    }
+}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountProvider.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountProvider.java
new file mode 100644
index 00000000..f6bf9dc7
--- /dev/null
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountProvider.java
@@ -0,0 +1,41 @@
+package kr.ac.kookmin.stream.api.admin.welfare.fee;
+
+import java.util.Map;
+import kr.ac.kookmin.stream.internal.domain.config.service.AdminConfigValueService;
+import kr.ac.kookmin.stream.welfare.WelfareConstants;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeConfigKeys;
+import lombok.RequiredArgsConstructor;
+import org.springframework.stereotype.Component;
+
+/**
+ * 회비 납부 설정을 읽고 쓴다. welfare 도메인은 internal 모듈에 의존할 수 없어 이 조합을 api에 둔다.
+ * <p>
+ * 학생 쪽과 달리 계좌가 없어도 예외를 던지지 않는다 — 관리자 화면은 "아직 설정하지 않음"을 보여주고
+ * 그 자리에서 설정하게 해야 하기 때문이다.
+ */
+@Component
+@RequiredArgsConstructor
+public class FeeAccountProvider {
+
+    private final AdminConfigValueService adminConfigValueService;
+
+    public FeeAccount getAccount() {
+        return new FeeAccount(
+            adminConfigValueService.getValue(FeeConfigKeys.TRANSFER_BANK).orElse(null),
+            adminConfigValueService.getValue(FeeConfigKeys.TRANSFER_ACCOUNT_NO).orElse(null),
+            adminConfigValueService.getValue(FeeConfigKeys.TRANSFER_AMOUNT)
+                .map(Long::parseLong)
+                .orElse(WelfareConstants.DEFAULT_TRANSFER_AMOUNT)
+        );
+    }
+
+    // 계좌와 금액은 한 화면에서 같이 저장하므로 세 키를 한 번에 쓴다
+    public FeeAccount save(String bank, String accountNo, long amount) {
+        adminConfigValueService.upsertValues(Map.of(
+            FeeConfigKeys.TRANSFER_BANK, bank,
+            FeeConfigKeys.TRANSFER_ACCOUNT_NO, accountNo,
+            FeeConfigKeys.TRANSFER_AMOUNT, String.valueOf(amount)
+        ));
+        return new FeeAccount(bank, accountNo, amount);
+    }
+}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountValidator.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountValidator.java
new file mode 100644
index 00000000..caac6de9
--- /dev/null
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/FeeAccountValidator.java
@@ -0,0 +1,39 @@
+package kr.ac.kookmin.stream.api.admin.welfare.fee;
+
+import kr.ac.kookmin.stream.api.admin.welfare.fee.request.FeeAccountUpdateRequest;
+import kr.ac.kookmin.stream.common.BusinessException;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeBanks;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeErrorCode;
+
+/**
+ * 회비 납부 설정 입력 검증. 항목마다 전용 에러 코드를 내려줘야 해서 Bean Validation 대신 직접 본다
+ * (fee-domain-study 08번 문서 — 애노테이션으로는 공통 INVALID_INPUT이 된다).
+ */
+final class FeeAccountValidator {
+
+    private static final int MIN_ACCOUNT_NO_LENGTH = 10;
+    private static final int MAX_ACCOUNT_NO_LENGTH = 14;
+
+    private FeeAccountValidator() {}
+
+    static void validate(FeeAccountUpdateRequest request) {
+        FeeBanks.validate(request.bank());
+        validateAccountNo(request.accountNo());
+        validateAmount(request.amount());
+    }
+
+    private static void validateAccountNo(String accountNo) {
+        if (accountNo == null
+            || !accountNo.matches("^[0-9]+$")
+            || accountNo.length() < MIN_ACCOUNT_NO_LENGTH
+            || accountNo.length() > MAX_ACCOUNT_NO_LENGTH) {
+            throw new BusinessException(FeeErrorCode.INVALID_ACCOUNT_NO);
+        }
+    }
+
+    private static void validateAmount(Integer amount) {
+        if (amount == null || amount < 1) {
+            throw new BusinessException(FeeErrorCode.INVALID_TRANSFER_AMOUNT);
+        }
+    }
+}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAccountUpdateRequest.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAccountUpdateRequest.java
new file mode 100644
index 00000000..e46367bc
--- /dev/null
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAccountUpdateRequest.java
@@ -0,0 +1,21 @@
+package kr.ac.kookmin.stream.api.admin.welfare.fee.request;
+
+import io.swagger.v3.oas.annotations.media.Schema;
+
+/**
+ * 회비 납부 설정 변경. 계좌와 학기당 회비를 한 화면에서 같이 저장하므로 함께 받는다.
+ * <p>
+ * 검증에 Bean Validation을 쓰지 않는다 — 항목마다 전용 에러 코드를 내려줘야 하는데
+ * 애노테이션으로는 공통 INVALID_INPUT이 되기 때문이다(fee-domain-study 08번 문서).
+ */
+public record FeeAccountUpdateRequest(
+    @Schema(description = "은행명 (허용 목록 중 하나)", example = "카카오뱅크")
+    String bank,
+
+    @Schema(description = "계좌번호 (하이픈 제외, 10~14자리)", example = "3333011234567")
+    String accountNo,
+
+    @Schema(description = "학기당 학생회비", example = "20000")
+    Integer amount
+) {
+}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAmountUpdateRequest.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAmountUpdateRequest.java
deleted file mode 100644
index b6234203..00000000
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeAmountUpdateRequest.java
+++ /dev/null
@@ -1,12 +0,0 @@
-package kr.ac.kookmin.stream.api.admin.welfare.fee.request;
-
-import jakarta.validation.constraints.NotNull;
-import jakarta.validation.constraints.Positive;
-
-public record FeeAmountUpdateRequest(
-
-    @NotNull(message = "유효하지 않은 금액입니다.")
-    @Positive(message = "유효하지 않은 금액입니다.")
-    Integer amount
-) {
-}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeLinkUpdateRequest.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeLinkUpdateRequest.java
deleted file mode 100644
index 861e8967..00000000
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeLinkUpdateRequest.java
+++ /dev/null
@@ -1,14 +0,0 @@
-package kr.ac.kookmin.stream.api.admin.welfare.fee.request;
-
-import jakarta.validation.constraints.NotBlank;
-import jakarta.validation.constraints.Pattern;
-
-public record FeeLinkUpdateRequest(
-    @NotBlank(message = "은행명을 입력해 주세요.")
-    String bank,
-
-    @NotBlank(message = "계좌번호를 입력해 주세요.")
-    @Pattern(regexp = "^[0-9]+$", message = "계좌번호는 숫자만 입력할 수 있습니다.")
-    String accountNo
-) {
-}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeStatusUpdateRequest.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeStatusUpdateRequest.java
index 195441cf..30400142 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeStatusUpdateRequest.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/request/FeeStatusUpdateRequest.java
@@ -1,9 +1,17 @@
 package kr.ac.kookmin.stream.api.admin.welfare.fee.request;
 
-import jakarta.validation.constraints.NotBlank;
+import io.swagger.v3.oas.annotations.media.Schema;
 
+/**
+ * 납부 상태 변경. 상태 문자열 파싱은 {@code TransferStatus.from}이 하고,
+ * 안내 문구는 확인필요일 때만 필수라 Bean Validation 대신 UseCase에서 검증한다.
+ */
 public record FeeStatusUpdateRequest(
-    @NotBlank(message = "처리 상태를 입력해 주세요.")
-    String status
+    @Schema(description = "변경할 납부 상태", example = "NEEDS_CHECK")
+    String status,
+
+    @Schema(description = "관리자 안내 문구 (최대 255자). 확인필요일 때 필수",
+        example = "입금자 정보를 확인하지 못했어요. 문제가 있을 경우 학생회에 문의해 주세요.")
+    String adminNote
 ) {
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/AdminFeeSearchResponse.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/AdminFeeSearchResponse.java
index 6f6fdab6..3a833d28 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/AdminFeeSearchResponse.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/AdminFeeSearchResponse.java
@@ -1,31 +1,57 @@
 package kr.ac.kookmin.stream.api.admin.welfare.fee.response;
 
 import java.time.LocalDateTime;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.FeeAccount;
 import kr.ac.kookmin.stream.api.common.ApiConstants;
+import kr.ac.kookmin.stream.api.common.StorageUrlBuilder;
 import kr.ac.kookmin.stream.member.domain.member.domain.Member;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.TransferStatus;
 
+/**
+ * 납부자 목록의 한 줄. 모든 회원이 납부 상태 행을 가지므로 아직 아무것도 내지 않은 회원도 들어온다 —
+ * 그런 줄은 상태가 납부 전이고 제출 관련 값이 모두 null이다.
+ */
 public record AdminFeeSearchResponse(
     Long studentTransferStatusId,
     Long memberId,
     String name,
     String studentId,
     String department,
-    String status,
+    boolean isStreamMember,
+    String feeStatus,
+    Integer remainingSemesters,
+    Long transferAmount,
+    String proofImageUrl,
     LocalDateTime requestedAt,
-    LocalDateTime reviewedAt
+    LocalDateTime confirmedAt,
+    String adminNote
 ) {
-    // member가 null이면 탈퇴(소프트 삭제)한 회원의 과거 요청이다 — 이름/학번/학과를 알 수 없으니 표시용 placeholder를 쓴다.
-    public static AdminFeeSearchResponse of(StudentTransferStatus status, Member member) {
+    /**
+     * @param member   탈퇴(소프트 삭제)한 회원의 행이면 null — 이름·학번·학과를 알 수 없어 표시용 placeholder를 쓴다
+     * @param signedUp 회원가입(전화번호 + 필수 약관 동의)을 마쳤는지
+     */
+    public static AdminFeeSearchResponse of(
+        StudentTransferStatus transferStatus,
+        Member member,
+        boolean signedUp,
+        FeeAccount account
+    ) {
         return new AdminFeeSearchResponse(
-            status.getId(),
-            status.getMemberId(),
+            transferStatus.getId(),
+            transferStatus.getMemberId(),
             member != null ? member.getName() : ApiConstants.WITHDRAWN_MEMBER_LABEL,
             member != null ? member.getStudentId() : null,
             member != null ? member.getDepartment().displayName() : null,
-            status.getStatus().name(),
-            status.getCreatedAt(),
-            status.getReviewedAt()
+            signedUp,
+            transferStatus.getStatus().name(),
+            transferStatus.getRemainingSemesters(),
+            account.calculateTransferAmount(transferStatus.getRemainingSemesters()),
+            StorageUrlBuilder.build(transferStatus.getProofImageKey()),
+            transferStatus.getRequestedAt(),
+            // 납부 확인 시각은 납부완료일 때의 처리 시각이다
+            transferStatus.getStatus() == TransferStatus.PAID ? transferStatus.getReviewedAt() : null,
+            transferStatus.getAdminNote()
         );
     }
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAccountResponse.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAccountResponse.java
new file mode 100644
index 00000000..be558e2e
--- /dev/null
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAccountResponse.java
@@ -0,0 +1,16 @@
+package kr.ac.kookmin.stream.api.admin.welfare.fee.response;
+
+import kr.ac.kookmin.stream.api.admin.welfare.fee.FeeAccount;
+
+/** 회비 납부 설정. 조회와 변경이 같은 모양을 쓴다. */
+public record FeeAccountResponse(
+    String bank,
+    String accountNo,
+    long amount,
+    String transferLinkUrl
+) {
+    public static FeeAccountResponse from(FeeAccount account) {
+        return new FeeAccountResponse(
+            account.bank(), account.accountNo(), account.amount(), account.generateTransferLinkUrl());
+    }
+}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAmountUpdateResponse.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAmountUpdateResponse.java
deleted file mode 100644
index b84eb0eb..00000000
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeAmountUpdateResponse.java
+++ /dev/null
@@ -1,7 +0,0 @@
-package kr.ac.kookmin.stream.api.admin.welfare.fee.response;
-
-public record FeeAmountUpdateResponse(Integer amount) {
-    public static FeeAmountUpdateResponse of(Integer amount) {
-        return new FeeAmountUpdateResponse(amount);
-    }
-}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeLinkUpdateResponse.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeLinkUpdateResponse.java
deleted file mode 100644
index 6e36681e..00000000
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeLinkUpdateResponse.java
+++ /dev/null
@@ -1,7 +0,0 @@
-package kr.ac.kookmin.stream.api.admin.welfare.fee.response;
-
-public record FeeLinkUpdateResponse(String bank, String accountNo) {
-    public static FeeLinkUpdateResponse of(String bank, String accountNo) {
-        return new FeeLinkUpdateResponse(bank, accountNo);
-    }
-}
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeStatusUpdateResponse.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeStatusUpdateResponse.java
index bb0c92c9..10e02653 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeStatusUpdateResponse.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/response/FeeStatusUpdateResponse.java
@@ -2,14 +2,25 @@
 
 import java.time.LocalDateTime;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.TransferStatus;
 
 public record FeeStatusUpdateResponse(
     Long studentTransferStatusId,
     Long memberId,
     String status,
-    LocalDateTime reviewedAt
+    String adminNote,
+    LocalDateTime reviewedAt,
+    LocalDateTime confirmedAt
 ) {
-    public static FeeStatusUpdateResponse from(StudentTransferStatus request) {
-        return new FeeStatusUpdateResponse(request.getId(), request.getMemberId(), request.getStatus().name(), request.getReviewedAt());
+    public static FeeStatusUpdateResponse from(StudentTransferStatus transferStatus) {
+        return new FeeStatusUpdateResponse(
+            transferStatus.getId(),
+            transferStatus.getMemberId(),
+            transferStatus.getStatus().name(),
+            transferStatus.getAdminNote(),
+            transferStatus.getReviewedAt(),
+            // 납부 확인 시각은 납부완료일 때의 처리 시각이다
+            transferStatus.getStatus() == TransferStatus.PAID ? transferStatus.getReviewedAt() : null
+        );
     }
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeReviewUseCase.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeReviewUseCase.java
index 40d49e03..a173414f 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeReviewUseCase.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeReviewUseCase.java
@@ -1,7 +1,9 @@
 package kr.ac.kookmin.stream.api.admin.welfare.fee.usecase;
 
+import kr.ac.kookmin.stream.common.BusinessException;
 import kr.ac.kookmin.stream.member.domain.member.domain.Member;
 import kr.ac.kookmin.stream.member.domain.member.service.MemberService;
+import kr.ac.kookmin.stream.welfare.domain.fee.domain.FeeErrorCode;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.TransferStatus;
 import kr.ac.kookmin.stream.welfare.domain.fee.service.PayerService;
@@ -10,22 +12,38 @@
 import org.springframework.stereotype.Component;
 import org.springframework.transaction.annotation.Transactional;
 
+/**
+ * 납부 상태 처리. 상태 변경과 납부자 명부 반영이 어긋나면 안 되므로 한 트랜잭션으로 묶는다.
+ */
 @Component
 @RequiredArgsConstructor
 public class AdminFeeReviewUseCase {
 
+    private static final int MAX_ADMIN_NOTE_LENGTH = 255;
+
     private final StudentTransferStatusService studentTransferStatusService;
     private final PayerService payerService;
     private final MemberService memberService;
 
-    // 확인요청 처리 + 납부자 명부(Payer) 반영을 하나의 트랜잭션으로 묶는다.
     @Transactional
-    public StudentTransferStatus review(Long transferStatusId, TransferStatus status) {
-        StudentTransferStatus transferStatus = studentTransferStatusService.review(transferStatusId, status);
-        Member member = memberService.getById(transferStatus.getMemberId());
+    public StudentTransferStatus review(Long transferStatusId, TransferStatus status, String adminNote) {
+        validateAdminNote(status, adminNote);
+
+        StudentTransferStatus reviewed = studentTransferStatusService.review(transferStatusId, status, adminNote);
+        Member member = memberService.getById(reviewed.getMemberId());
 
-        payerService.sync(member.getId(), member.getName(), member.getStudentId(), transferStatus.getStatus());
+        payerService.sync(member.getId(), member.getName(), member.getStudentId(), reviewed.getStatus());
+
+        return reviewed;
+    }
 
-        return transferStatus;
+    // 확인필요는 학생에게 보여줄 안내 문구가 있어야 의미가 있다. 그 외 상태에서는 문구를 받아도 버린다
+    private void validateAdminNote(TransferStatus status, String adminNote) {
+        if (status != TransferStatus.NEEDS_CHECK) {
+            return;
+        }
+        if (adminNote == null || adminNote.isBlank() || adminNote.length() > MAX_ADMIN_NOTE_LENGTH) {
+            throw new BusinessException(FeeErrorCode.INVALID_ADMIN_NOTE);
+        }
     }
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeSearchUseCase.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeSearchUseCase.java
index b97ea4c9..a0b70ced 100644
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeSearchUseCase.java
+++ b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/AdminFeeSearchUseCase.java
@@ -2,6 +2,9 @@
 
 import java.util.List;
 import java.util.Map;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.FeeAccount;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.FeeAccountProvider;
+import kr.ac.kookmin.stream.api.admin.welfare.fee.response.AdminFeeSearchResponse;
 import kr.ac.kookmin.stream.common.PageOffset;
 import kr.ac.kookmin.stream.common.PageResult;
 import kr.ac.kookmin.stream.member.domain.member.domain.Member;
@@ -12,34 +15,49 @@
 import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Component;
 
+/**
+ * 납부자 목록. {@code welfare}와 {@code member} 두 도메인을 조합한다.
+ * <p>
+ * 페이징과 상태 필터는 <b>회비 쪽에서</b> 한다. 모든 회원이 납부 상태 행을 갖기 때문에(로그인 때 생성,
+ * {@code V21}로 기존 회원 백필) 납부 전 회원도 그대로 걸린다. 회원 기준으로 뒤집으면 member 도메인이
+ * 회비 상태를 알아야 하는데, 회비 때문에 남의 도메인을 고치지 않으려고 방향을 이렇게 잡았다.
+ * <p>
+ * member 쪽은 이미 공개된 조회 메서드만 쓴다 — 검색은 {@code searchIdsByKeyword}, 회원 정보는 {@code getMapByIds}.
+ * <p>
+ * 트랜잭션을 걸지 않는다. 쓰기가 없고, 조회 사이가 어긋나도 한 줄의 정보가 잠깐 최신이 아닐 뿐이다.
+ */
 @Component
 @RequiredArgsConstructor
 public class AdminFeeSearchUseCase {
 
     private final StudentTransferStatusService studentTransferStatusService;
     private final MemberService memberService;
+    private final FeeAccountProvider feeAccountProvider;
 
-    public PageResult<MemberFeeStatus> search(TransferStatus status, String keyword, PageOffset pageOffset) {
+    public PageResult<AdminFeeSearchResponse> search(TransferStatus status, String keyword, PageOffset pageOffset) {
         List<Long> memberIds = null;
-
         if (keyword != null && !keyword.isBlank()) {
             memberIds = memberService.searchIdsByKeyword(keyword);
-
             if (memberIds.isEmpty()) {
                 return PageResult.empty(pageOffset.page(), pageOffset.size());
             }
         }
 
-        PageResult<StudentTransferStatus> result = studentTransferStatusService.search(status, memberIds, pageOffset);
-        List<Long> resultMemberIds = result.content()
-                .stream()
-                .map(StudentTransferStatus::getMemberId)
-                .toList();
-
-        // 탈퇴(소프트 삭제)한 회원은 findAllByIds에서 빠지므로, 그 회원의 과거 요청은 member가 null로 남는다.
-        // (탈퇴 회원의 요청을 조회 자체에서 제외하는 대신, 표시는 Controller/DTO에서 처리한다)
-        Map<Long, Member> memberMap = memberService.getMapByIds(resultMemberIds);
-
-        return result.map(transferStatus -> new MemberFeeStatus(transferStatus, memberMap.getOrDefault(transferStatus.getMemberId(), null)));
+        PageResult<StudentTransferStatus> page = studentTransferStatusService.search(status, memberIds, pageOffset);
+        List<Long> pagedMemberIds = page.content().stream().map(StudentTransferStatus::getMemberId).toList();
+
+        // 탈퇴(소프트 삭제)한 회원은 빠지므로 그 회원의 행은 member가 null로 남는다
+        Map<Long, Member> membersById = memberService.getMapByIds(pagedMemberIds);
+        // 학기당 금액은 줄마다 같으므로 목록당 한 번만 읽는다
+        FeeAccount account = feeAccountProvider.getAccount();
+
+        return page.map(transferStatus -> AdminFeeSearchResponse.of(
+            transferStatus,
+            membersById.get(transferStatus.getMemberId()),
+            // 가입 여부는 member가 아는 사실이라 member의 공개 메서드에 묻는다.
+            // 줄마다 한 번씩 부르므로 목록이 커지면 벌크 조회를 member 쪽에 요청할 자리다
+            memberService.isSignedUp(transferStatus.getMemberId()),
+            account
+        ));
     }
 }
diff --git a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/MemberFeeStatus.java b/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/MemberFeeStatus.java
deleted file mode 100644
index 5c86a6b3..00000000
--- a/api/admin-api/src/main/java/kr/ac/kookmin/stream/api/admin/welfare/fee/usecase/MemberFeeStatus.java
+++ /dev/null
@@ -1,10 +0,0 @@
-package kr.ac.kookmin.stream.api.admin.welfare.fee.usecase;
-
-import kr.ac.kookmin.stream.member.domain.member.domain.Member;
-import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
-
-// AdminFeeSearchUseCase가 조합한 결과. DTO(AdminFeeSearchResponse) 변환은 Controller가 한다
-// (PageResult<도메인>까지만 UseCase가 만들고, api DTO 조립은 경계에서 하기 위함).
-// member는 탈퇴(소프트 삭제)한 회원의 과거 요청이면 null일 수 있다.
-public record MemberFeeStatus(StudentTransferStatus status, Member member) {
-}
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/core/auth/usecase/OAuthLoginUseCase.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/core/auth/usecase/OAuthLoginUseCase.java
index a530c56f..e403b29a 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/core/auth/usecase/OAuthLoginUseCase.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/core/auth/usecase/OAuthLoginUseCase.java
@@ -8,6 +8,7 @@
 import kr.ac.kookmin.stream.member.domain.member.domain.MemberProfileCommand;
 import kr.ac.kookmin.stream.member.domain.member.service.MemberService;
 import kr.ac.kookmin.stream.security.AuthTokenIssuer;
+import kr.ac.kookmin.stream.welfare.domain.fee.service.StudentTransferStatusService;
 import lombok.RequiredArgsConstructor;
 import org.springframework.stereotype.Component;
 
@@ -24,11 +25,16 @@ public class OAuthLoginUseCase {
     private final OAuthService oauthService;
     private final MemberService memberService;
     private final AuthTokenIssuer authTokenIssuer;
+    private final StudentTransferStatusService studentTransferStatusService;
 
     public OAuthLoginResponse login(OAuthLoginCommand command) {
         OAuthUserInfo userInfo = oauthService.authenticate(command);
         Member member = findOrRegister(userInfo);
 
+        // 모든 회원이 납부 상태 행을 갖게 해서, 관리자 납부자 목록이 납부 전 회원까지 보여줄 수 있게 한다.
+        // 회비가 자기 테이블에서 전원을 다루므로 member 도메인은 회비를 몰라도 된다.
+        studentTransferStatusService.createIfAbsent(member.getId());
+
         String accessToken = authTokenIssuer.issue(member.getId(), member.getRole(), member.getCouncilDepartment());
         // 회원을 이번에 만들었는지가 아니라 저장된 전화번호·동의 기록으로 판단한다. 회원가입 화면에서 이탈한 회원도 다시 가입 화면을 본다
         boolean signUpRequired = !memberService.isSignedUp(member.getId());
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/AppFeeController.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/AppFeeController.java
index 56c9e2cb..882ab145 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/AppFeeController.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/AppFeeController.java
@@ -22,7 +22,7 @@
 public class AppFeeController implements AppFeeApi {
 
     private final StudentTransferStatusService studentTransferStatusService;
-    private final FeeTransferUrlProvider feeTransferUrlProvider;
+    private final FeeAccountProvider feeAccountProvider;
     private final FeeSubmitUseCase feeSubmitUseCase;
 
     @Override
@@ -30,7 +30,7 @@ public class AppFeeController implements AppFeeApi {
     public ApiResponse<FeeResponse> getFeeByMemberId(AppApiUser apiUser) {
         StudentTransferStatus transferStatus = studentTransferStatusService.getByMemberId(apiUser.userId());
 
-        return ApiResponse.success(FeeResponse.of(transferStatus, feeTransferUrlProvider.getAccount()));
+        return ApiResponse.success(FeeResponse.of(transferStatus, feeAccountProvider.getAccount()));
     }
 
     @Override
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccount.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccount.java
index a2812b66..5d7a2f3e 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccount.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccount.java
@@ -12,12 +12,12 @@
 public record FeeAccount(String bank, String accountNo, long amountPerSemester) {
 
     /** 이 학생이 보낼 금액. 남은 학기 수 × 학기당 회비. */
-    public long transferAmountFor(int remainingSemesters) {
+    public long calculateTransferAmount(int remainingSemesters) {
         return FeeAmountCalculator.calculate(remainingSemesters, amountPerSemester);
     }
 
     /** 금액이 붙은 토스 송금 링크. */
-    public String transferLinkFor(long transferAmount) {
+    public String generateTransferLinkUrl(long transferAmount) {
         return TossTransferLinkGenerator.generate(bank, accountNo, transferAmount);
     }
 }
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeTransferUrlProvider.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccountProvider.java
similarity index 97%
rename from api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeTransferUrlProvider.java
rename to api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccountProvider.java
index ea3493ed..85c2f6c8 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeTransferUrlProvider.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/FeeAccountProvider.java
@@ -17,7 +17,7 @@
  */
 @Component
 @RequiredArgsConstructor
-public class FeeTransferUrlProvider {
+public class FeeAccountProvider {
 
     private final AdminConfigValueService adminConfigValueService;
 
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeResponse.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeResponse.java
index b7c09924..9d69afa3 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeResponse.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeResponse.java
@@ -30,7 +30,7 @@ public static FeeResponse of(StudentTransferStatus transferStatus, FeeAccount ac
         Integer remainingSemesters = transferStatus.getRemainingSemesters();
         boolean payable = remainingSemesters != null && transferStatus.getStatus() != TransferStatus.NEEDS_CHECK;
 
-        Long transferAmount = payable ? account.transferAmountFor(remainingSemesters) : null;
+        Long transferAmount = payable ? account.calculateTransferAmount(remainingSemesters) : null;
 
         return new FeeResponse(
             transferStatus.getId(),
@@ -39,7 +39,7 @@ public static FeeResponse of(StudentTransferStatus transferStatus, FeeAccount ac
             account.accountNo(),
             remainingSemesters,
             transferAmount,
-            transferAmount == null ? null : account.transferLinkFor(transferAmount),
+            transferAmount == null ? null : account.generateTransferLinkUrl(transferAmount),
             transferStatus.getRequestedAt(),
             // 납부 확인 시각은 PAID일 때의 처리 시각이다. 그 외 상태에서는 보여주지 않는다
             transferStatus.getStatus() == TransferStatus.PAID ? transferStatus.getReviewedAt() : null,
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeSubmitResponse.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeSubmitResponse.java
index 73eca1fb..bc37cf02 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeSubmitResponse.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/response/FeeSubmitResponse.java
@@ -11,10 +11,10 @@ public record FeeSubmitResponse(
     String transferLinkUrl
 ) {
     public static FeeSubmitResponse of(int remainingSemesters, FeeAccount account) {
-        long transferAmount = account.transferAmountFor(remainingSemesters);
+        long transferAmount = account.calculateTransferAmount(remainingSemesters);
 
         return new FeeSubmitResponse(
             account.bank(), account.accountNo(), remainingSemesters,
-            transferAmount, account.transferLinkFor(transferAmount));
+            transferAmount, account.generateTransferLinkUrl(transferAmount));
     }
 }
diff --git a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/usecase/FeeSubmitUseCase.java b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/usecase/FeeSubmitUseCase.java
index 2a3861de..3d9d55bd 100644
--- a/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/usecase/FeeSubmitUseCase.java
+++ b/api/app-api/src/main/java/kr/ac/kookmin/stream/api/app/welfare/fee/usecase/FeeSubmitUseCase.java
@@ -2,7 +2,7 @@
 
 import java.util.Objects;
 import kr.ac.kookmin.stream.api.app.welfare.fee.FeeAccount;
-import kr.ac.kookmin.stream.api.app.welfare.fee.FeeTransferUrlProvider;
+import kr.ac.kookmin.stream.api.app.welfare.fee.FeeAccountProvider;
 import kr.ac.kookmin.stream.api.app.welfare.fee.request.FeeSubmitRequest;
 import kr.ac.kookmin.stream.api.app.welfare.fee.response.FeeSubmitResponse;
 import kr.ac.kookmin.stream.common.BusinessException;
@@ -34,7 +34,7 @@ public class FeeSubmitUseCase {
     private static final int MAX_REMAINING_SEMESTERS = 8;
 
     private final StudentTransferStatusService studentTransferStatusService;
-    private final FeeTransferUrlProvider feeTransferUrlProvider;
+    private final FeeAccountProvider feeAccountProvider;
     private final FileService fileService;
 
     public FeeSubmitResponse submit(Long memberId, FeeSubmitRequest request) {
@@ -42,7 +42,7 @@ public FeeSubmitResponse submit(Long memberId, FeeSubmitRequest request) {
         validateProofImage(request.proofImageKey(), memberId);
 
         // 계좌가 없으면 송금 자체가 불가능하므로, 저장하기 전에 먼저 막는다
-        FeeAccount account = feeTransferUrlProvider.getAccount();
+        FeeAccount account = feeAccountProvider.getAccount();
 
         // 교체될 이전 키를 알려고 한 번 더 읽는다. submit이 돌려주게 하면 반환 타입에 값을 하나 더 얹어야 해서,
         // 유니크 인덱스 조회 한 번을 받아들였다. 같은 학생의 동시 제출이 겹치면 낡은 키를 볼 수 있는데,
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeBanks.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeBanks.java
new file mode 100644
index 00000000..9f8aad94
--- /dev/null
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeBanks.java
@@ -0,0 +1,26 @@
+package kr.ac.kookmin.stream.welfare.domain.fee.domain;
+
+import java.util.Set;
+import kr.ac.kookmin.stream.common.BusinessException;
+
+/**
+ * 회비 납부 계좌로 쓸 수 있는 은행. 관리자 화면의 은행 선택 목록과 같은 22개다.
+ * <p>
+ * enum이 아니라 문자열 집합인 이유는, 이 값이 토스 송금 링크의 {@code bank} 파라미터로 그대로 나가고
+ * 화면에도 그대로 표시되기 때문이다. 중간에 코드로 바꿨다가 되돌리면 한쪽만 고쳤을 때 조용히 어긋난다.
+ */
+public final class FeeBanks {
+
+    private static final Set<String> ALLOWED = Set.of(
+        "경남", "광주", "기업", "국민", "대구", "부산", "산림", "새마을", "SC제일", "신한", "신협",
+        "수협", "케이뱅크", "우리", "우체국", "저축은행", "전북", "제주", "카카오뱅크", "토스뱅크", "하나", "농협"
+    );
+
+    private FeeBanks() {}
+
+    public static void validate(String bank) {
+        if (bank == null || !ALLOWED.contains(bank)) {
+            throw new BusinessException(FeeErrorCode.INVALID_BANK);
+        }
+    }
+}
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeErrorCode.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeErrorCode.java
index d3f0ab5e..763ce85a 100644
--- a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeErrorCode.java
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/FeeErrorCode.java
@@ -15,10 +15,13 @@ public enum FeeErrorCode implements ErrorCode {
     INVALID_TRANSFER_STATUS(ErrorStatus.BAD_REQUEST, "유효하지 않은 납부 상태입니다."),
     INVALID_REMAINING_SEMESTERS(ErrorStatus.BAD_REQUEST, "유효하지 않은 남은 학기 수입니다."),
     INVALID_PROOF_IMAGE(ErrorStatus.BAD_REQUEST, "유효하지 않은 인증 이미지입니다."),
+    INVALID_BANK(ErrorStatus.BAD_REQUEST, "지원하지 않는 은행입니다."),
+    INVALID_ACCOUNT_NO(ErrorStatus.BAD_REQUEST, "유효하지 않은 계좌번호입니다."),
+    INVALID_TRANSFER_AMOUNT(ErrorStatus.BAD_REQUEST, "유효하지 않은 학생회비 금액입니다."),
+    INVALID_ADMIN_NOTE(ErrorStatus.BAD_REQUEST, "유효하지 않은 관리자 안내 문구입니다."),
     FEE_ACCOUNT_NOT_FOUND(ErrorStatus.NOT_FOUND, "학생회비 납부 계좌가 등록되지 않았습니다."),
     FEE_REQUEST_NOT_FOUND(ErrorStatus.NOT_FOUND, "제출된 납부 정보가 없습니다."),
     FEE_REQUEST_ALREADY_REQUESTED(ErrorStatus.CONFLICT, "이미 납부 확인을 요청했거나 납부가 완료되었습니다."),
-    FEE_REQUEST_ALREADY_REVIEWED(ErrorStatus.CONFLICT, "이미 처리된 납부 확인 요청입니다."),
     MEMBER_IS_NOT_PAYER(ErrorStatus.BAD_REQUEST, "회비를 납부한 회원만 이용할 수 있습니다.");
 
     private final int status;
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/StudentTransferStatus.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/StudentTransferStatus.java
index 66a4c858..12f35814 100644
--- a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/StudentTransferStatus.java
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/domain/StudentTransferStatus.java
@@ -80,9 +80,16 @@ public void requestConfirmation(LocalDateTime now) {
         this.reviewedAt = null;
     }
 
-    public void review(TransferStatus reviewedStatus, LocalDateTime now) {
+    /**
+     * 관리자가 납부 상태를 바꾼다. 이미 처리한 요청도 다시 바꿀 수 있다 — 잘못 처리한 경우를 되돌리기 위해서다.
+     * 그래서 납부완료도 종결 상태가 아니다.
+     * <p>
+     * 안내 문구는 확인필요일 때만 남긴다. 납부확인중으로 되돌리면 아직 처리 전이라는 뜻이므로 처리 시각도 지운다.
+     */
+    public void review(TransferStatus reviewedStatus, String adminNote, LocalDateTime now) {
         this.status = reviewedStatus;
-        this.reviewedAt = now;
+        this.adminNote = reviewedStatus == TransferStatus.NEEDS_CHECK ? adminNote : null;
+        this.reviewedAt = reviewedStatus == TransferStatus.PENDING ? null : now;
     }
 
     private void requireUnpaid() {
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/repository/StudentTransferStatusRepository.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/repository/StudentTransferStatusRepository.java
index d4596599..6264a79f 100644
--- a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/repository/StudentTransferStatusRepository.java
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/repository/StudentTransferStatusRepository.java
@@ -10,6 +10,7 @@
 public interface StudentTransferStatusRepository {
     Optional<StudentTransferStatus> findByMemberId(Long memberId);
     Optional<StudentTransferStatus> findById(Long id);
+    List<StudentTransferStatus> findAllByMemberIds(List<Long> memberIds);
 
     // memberIds가 null이면 전체 대상, 빈 리스트면 결과 없음을 의도한 것이므로 호출 전에 걸러낸다(빈 리스트로 호출하지 않는다)
     PageResult<StudentTransferStatus> search(TransferStatus status, List<Long> memberIds, PageOffset pageOffset);
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/StudentTransferStatusService.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/StudentTransferStatusService.java
index ab49881a..525f48ac 100644
--- a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/StudentTransferStatusService.java
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/StudentTransferStatusService.java
@@ -1,6 +1,7 @@
 package kr.ac.kookmin.stream.welfare.domain.fee.service;
 
 import java.util.List;
+import java.util.Map;
 import kr.ac.kookmin.stream.common.PageOffset;
 import kr.ac.kookmin.stream.common.PageResult;
 import kr.ac.kookmin.stream.welfare.domain.fee.domain.StudentTransferStatus;
@@ -10,6 +11,14 @@ public interface StudentTransferStatusService {
 
     StudentTransferStatus getByMemberId(Long memberId);
 
+    /**
+     * 회원의 납부 상태 행을 만든다. 이미 있으면 아무것도 하지 않는다.
+     * <p>
+     * 모든 회원이 행을 갖게 해서 관리자 목록이 납부 전 회원까지 보여줄 수 있게 한다. 행이 없는 회원을
+     * 목록에 넣으려면 회원 기준으로 조회해야 하고, 그러면 member 도메인이 회비를 알아야 한다.
+     */
+    void createIfAbsent(Long memberId);
+
     /**
      * 납부 정보(남은 학기 수·학점이수현황 캡처)를 저장한다. 상태는 납부 전 그대로다.
      * 행이 없으면 만들고, 있으면 이전 입력값을 덮어쓴다.
@@ -19,8 +28,12 @@ public interface StudentTransferStatusService {
     /** 송금 확인을 요청한다. 납부 정보를 제출하지 않았으면 {@code FEE_REQUEST_NOT_FOUND}다. */
     StudentTransferStatus requestConfirmation(Long memberId);
 
+    /** 회원별 납부 상태. 목록이 회원 기준이라 회원 한 페이지만큼 한 번에 가져온다. 제출 전 회원은 빠진다. */
+    Map<Long, StudentTransferStatus> getMapByMemberIds(List<Long> memberIds);
+
     // status가 null이면 전체 상태, memberIds가 null이면 회원 필터 없음
     PageResult<StudentTransferStatus> search(TransferStatus status, List<Long> memberIds, PageOffset pageOffset);
 
-    StudentTransferStatus review(Long transferStatusId, TransferStatus status);
+    /** 관리자 처리. 이미 처리된 요청도 다시 바꿀 수 있다. adminNote는 확인필요일 때만 남는다. */
+    StudentTransferStatus review(Long transferStatusId, TransferStatus status, String adminNote);
 }
diff --git a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/impl/StudentTransferStatusServiceImpl.java b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/impl/StudentTransferStatusServiceImpl.java
index 37a2df49..f6cfa6c6 100644
--- a/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/impl/StudentTransferStatusServiceImpl.java
+++ b/core/domain/welfare/src/main/java/kr/ac/kookmin/stream/welfare/domain/fee/service/impl/StudentTransferStatusServiceImpl.java
@@ -2,6 +2,9 @@
 
 import java.time.LocalDateTime;
 import java.util.List;
+import java.util.Map;
+import java.util.function.Function;
+import java.util.stream.Collectors;
 import kr.ac.kookmin.stream.common.BusinessException;
 import kr.ac.kookmin.stream.common.DateUtil;
 import kr.ac.kookmin.stream.common.PageOffset;
@@ -28,6 +31,24 @@ public StudentTransferStatus getByMemberId(Long memberId) {
             .orElseGet(() -> StudentTransferStatus.notRequested(memberId));
     }
 
+    @Override
+    public Map<Long, StudentTransferStatus> getMapByMemberIds(List<Long> memberIds) {
+        if (memberIds.isEmpty()) {
+            return Map.of();
+        }
+        return studentTransferStatusRepository.findAllByMemberIds(memberIds).stream()
+            .collect(Collectors.toMap(StudentTransferStatus::getMemberId, Function.identity()));
+    }
+
+    @Override
+    @Transactional
+    public void createIfAbsent(Long memberId) {
+        if (studentTransferStatusRepository.findByMemberId(memberId).isPresent()) {
+            return;
+        }
+        studentTransferStatusRepository.save(StudentTransferStatus.create(memberId));
+    }
+
     @Override
     @Transactional
     public StudentTransferStatus submit(Long memberId, int remainingSemesters, String proofImageKey) {
@@ -58,18 +79,11 @@ public PageResult<StudentTransferStatus> search(TransferStatus status, List<Long
 
     @Override
     @Transactional
-    public StudentTransferStatus review(Long transferStatusId, TransferStatus status) {
-        if (status == TransferStatus.PENDING) {
-            throw new BusinessException(FeeErrorCode.INVALID_TRANSFER_STATUS);
-        }
-
+    public StudentTransferStatus review(Long transferStatusId, TransferStatus status, String adminNote) {
         StudentTransferStatus transferStatus = studentTransferStatusRepository.findById(transferStatusId)
             .orElseThrow(() -> new BusinessException(FeeErrorCode.FEE_REQUEST_NOT_FOUND));
-        if (transferStatus.getStatus() != TransferStatus.PENDING) {
-            throw new BusinessException(FeeErrorCode.FEE_REQUEST_ALREADY_REVIEWED);
-        }
 
-        transferStatus.review(status, LocalDateTime.now());
+        transferStatus.review(status, adminNote, LocalDateTime.now(DateUtil.KST));
         return studentTransferStatusRepository.save(transferStatus);
     }
 }
diff --git a/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusJpaRepository.java b/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusJpaRepository.java
index a6856b84..e5e492ba 100644
--- a/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusJpaRepository.java
+++ b/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusJpaRepository.java
@@ -13,6 +13,8 @@ public interface StudentTransferStatusJpaRepository extends JpaRepository<Studen
 
     Optional<StudentTransferStatusJpaEntity> findByMemberId(Long memberId);
 
+    List<StudentTransferStatusJpaEntity> findAllByMemberIdIn(List<Long> memberIds);
+
     @Query(value = """
         SELECT r FROM StudentTransferStatusJpaEntity r
         WHERE (:status IS NULL OR r.status = :status)
diff --git a/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusRepositoryImpl.java b/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusRepositoryImpl.java
index da849279..1d8e325b 100644
--- a/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusRepositoryImpl.java
+++ b/infrastructure/db/src/main/java/kr/ac/kookmin/stream/db/welfare/StudentTransferStatusRepositoryImpl.java
@@ -23,6 +23,13 @@ public Optional<StudentTransferStatus> findByMemberId(Long memberId) {
         return studentTransferStatusJpaRepository.findByMemberId(memberId).map(StudentTransferStatusJpaEntity::toDomain);
     }
 
+    @Override
+    public List<StudentTransferStatus> findAllByMemberIds(List<Long> memberIds) {
+        return studentTransferStatusJpaRepository.findAllByMemberIdIn(memberIds).stream()
+            .map(StudentTransferStatusJpaEntity::toDomain)
+            .toList();
+    }
+
     @Override
     public Optional<StudentTransferStatus> findById(Long id) {
         return studentTransferStatusJpaRepository.findById(id).map(StudentTransferStatusJpaEntity::toDomain);
diff --git a/infrastructure/db/src/main/resources/db/migration/V21__insert_default_student_transfer_statuses.sql b/infrastructure/db/src/main/resources/db/migration/V21__insert_default_student_transfer_statuses.sql
new file mode 100644
index 00000000..fc6b107c
--- /dev/null
+++ b/infrastructure/db/src/main/resources/db/migration/V21__insert_default_student_transfer_statuses.sql
@@ -0,0 +1,12 @@
+-- 납부 상태 행은 회원이 만들어질 때(첫 로그인) 함께 만든다. 그 전에 들어온 회원에게도 납부 전 행을 만들어 둔다.
+-- 관리자 납부자 목록이 "납부 전" 회원까지 보여주려면 모든 회원에게 행이 있어야 한다.
+-- 행이 없는 회원을 목록에 넣으려면 회원 기준으로 조회해야 하는데, 그러면 member 도메인이 회비를 알아야 한다.
+INSERT INTO student_transfer_statuses (member_id, status)
+SELECT m.member_id, 'UNPAID'
+FROM members m
+WHERE m.is_deleted = 0
+  AND NOT EXISTS (
+      SELECT 1
+      FROM student_transfer_statuses s
+      WHERE s.member_id = m.member_id
+  );