diff --git a/backend/internal/handler/dto/settings.go b/backend/internal/handler/dto/settings.go
index 978c1341..9c2ff263 100644
--- a/backend/internal/handler/dto/settings.go
+++ b/backend/internal/handler/dto/settings.go
@@ -193,6 +193,7 @@ type PublicSettings struct {
 	Version                          string           `json:"version"`
 	BalanceLowNotifyEnabled          bool             `json:"balance_low_notify_enabled"`
 	AccountQuotaNotifyEnabled        bool             `json:"account_quota_notify_enabled"`
+	BalanceLowNotifyThreshold        float64          `json:"balance_low_notify_threshold"`
 }
 
 // OverloadCooldownSettings 529过载冷却配置 DTO
diff --git a/backend/internal/handler/setting_handler.go b/backend/internal/handler/setting_handler.go
index 0232ddfb..69ffd287 100644
--- a/backend/internal/handler/setting_handler.go
+++ b/backend/internal/handler/setting_handler.go
@@ -63,5 +63,6 @@ func (h *SettingHandler) GetPublicSettings(c *gin.Context) {
 		Version:                          h.version,
 		BalanceLowNotifyEnabled:          settings.BalanceLowNotifyEnabled,
 		AccountQuotaNotifyEnabled:        settings.AccountQuotaNotifyEnabled,
+		BalanceLowNotifyThreshold:        settings.BalanceLowNotifyThreshold,
 	})
 }
diff --git a/backend/internal/service/setting_service.go b/backend/internal/service/setting_service.go
index abcae9c1..773b84ba 100644
--- a/backend/internal/service/setting_service.go
+++ b/backend/internal/service/setting_service.go
@@ -183,6 +183,7 @@ func (s *SettingService) GetPublicSettings(ctx context.Context) (*PublicSettings
 		SettingKeyOIDCConnectEnabled,
 		SettingKeyOIDCConnectProviderName,
 		SettingKeyBalanceLowNotifyEnabled,
+		SettingKeyBalanceLowNotifyThreshold,
 		SettingKeyAccountQuotaNotifyEnabled,
 	}
 
@@ -222,6 +223,11 @@ func (s *SettingService) GetPublicSettings(ctx context.Context) (*PublicSettings
 		settings[SettingKeyTablePageSizeOptions],
 	)
 
+	var balanceLowNotifyThreshold float64
+	if v, err := strconv.ParseFloat(settings[SettingKeyBalanceLowNotifyThreshold], 64); err == nil && v >= 0 {
+		balanceLowNotifyThreshold = v
+	}
+
 	return &PublicSettings{
 		RegistrationEnabled:              settings[SettingKeyRegistrationEnabled] == "true",
 		EmailVerifyEnabled:               emailVerifyEnabled,
@@ -253,6 +259,7 @@ func (s *SettingService) GetPublicSettings(ctx context.Context) (*PublicSettings
 		OIDCOAuthProviderName:            oidcProviderName,
 		BalanceLowNotifyEnabled:          settings[SettingKeyBalanceLowNotifyEnabled] == "true",
 		AccountQuotaNotifyEnabled:        settings[SettingKeyAccountQuotaNotifyEnabled] == "true",
+		BalanceLowNotifyThreshold:        balanceLowNotifyThreshold,
 	}, nil
 }
 
@@ -308,6 +315,7 @@ func (s *SettingService) GetPublicSettingsForInjection(ctx context.Context) (any
 		Version                          string          `json:"version,omitempty"`
 		BalanceLowNotifyEnabled          bool            `json:"balance_low_notify_enabled"`
 		AccountQuotaNotifyEnabled        bool            `json:"account_quota_notify_enabled"`
+		BalanceLowNotifyThreshold        float64         `json:"balance_low_notify_threshold"`
 	}{
 		RegistrationEnabled:              settings.RegistrationEnabled,
 		EmailVerifyEnabled:               settings.EmailVerifyEnabled,
@@ -340,6 +348,7 @@ func (s *SettingService) GetPublicSettingsForInjection(ctx context.Context) (any
 		Version:                          s.version,
 		BalanceLowNotifyEnabled:          settings.BalanceLowNotifyEnabled,
 		AccountQuotaNotifyEnabled:        settings.AccountQuotaNotifyEnabled,
+		BalanceLowNotifyThreshold:        settings.BalanceLowNotifyThreshold,
 	}, nil
 }
 
diff --git a/backend/internal/service/settings_view.go b/backend/internal/service/settings_view.go
index b79b930a..274ec792 100644
--- a/backend/internal/service/settings_view.go
+++ b/backend/internal/service/settings_view.go
@@ -154,8 +154,9 @@ type PublicSettings struct {
 	OIDCOAuthProviderName string
 	Version               string
 
-	BalanceLowNotifyEnabled    bool
-	AccountQuotaNotifyEnabled  bool
+	BalanceLowNotifyEnabled          bool
+	AccountQuotaNotifyEnabled        bool
+	BalanceLowNotifyThreshold        float64
 }
 
 // StreamTimeoutSettings 流超时处理配置（仅控制超时后的处理方式，超时判定由网关配置控制）
diff --git a/frontend/src/components/user/profile/ProfileBalanceNotifyCard.vue b/frontend/src/components/user/profile/ProfileBalanceNotifyCard.vue
index 758704e0..cfe1b332 100644
--- a/frontend/src/components/user/profile/ProfileBalanceNotifyCard.vue
+++ b/frontend/src/components/user/profile/ProfileBalanceNotifyCard.vue
@@ -4,90 +4,113 @@
       <h2 class="text-lg font-medium text-gray-900 dark:text-white">
         {{ t('profile.balanceNotify.title') }}
       </h2>
+      <p class="mt-1 text-sm text-gray-500 dark:text-gray-400">
+        {{ t('profile.balanceNotify.description') }}
+      </p>
     </div>
     <div class="px-6 py-6 space-y-6">
       <!-- Enable toggle -->
       <div class="flex items-center justify-between">
-        <div>
-          <label class="input-label">{{ t('profile.balanceNotify.enabled') }}</label>
-        </div>
+        <label class="input-label mb-0">{{ t('profile.balanceNotify.enabled') }}</label>
         <label class="relative inline-flex items-center cursor-pointer">
           <input type="checkbox" v-model="notifyEnabled" @change="handleToggle" class="sr-only peer" />
           <div class="w-11 h-6 bg-gray-200 peer-focus:outline-none peer-focus:ring-4 peer-focus:ring-primary-300 dark:peer-focus:ring-primary-800 rounded-full peer dark:bg-gray-700 peer-checked:after:translate-x-full peer-checked:after:border-white after:content-[''] after:absolute after:top-[2px] after:left-[2px] after:bg-white after:border-gray-300 after:border after:rounded-full after:h-5 after:w-5 after:transition-all dark:after:border-gray-600 peer-checked:bg-primary-600"></div>
         </label>
       </div>
 
-      <!-- Custom threshold -->
-      <div v-if="notifyEnabled">
-        <label class="input-label">
-          {{ t('profile.balanceNotify.threshold') }}
-          <span class="text-xs text-gray-400 ml-2">{{ t('profile.balanceNotify.thresholdHint') }}</span>
-        </label>
-        <div class="flex items-center gap-2">
-          <span class="text-gray-500">$</span>
-          <input
-            v-model.number="customThreshold"
-            type="number"
-            min="0"
-            step="0.01"
-            class="input flex-1"
-            :placeholder="t('profile.balanceNotify.thresholdPlaceholder')"
-            @blur="handleThresholdUpdate"
-          />
-        </div>
-      </div>
-
-      <!-- Extra emails -->
-      <div v-if="notifyEnabled">
-        <label class="input-label">{{ t('profile.balanceNotify.extraEmails') }}</label>
-
-        <!-- Existing emails list -->
-        <div v-if="extraEmails.length > 0" class="space-y-2 mb-4">
-          <div v-for="email in extraEmails" :key="email"
-            class="flex items-center justify-between px-3 py-2 bg-gray-50 dark:bg-dark-700 rounded-lg">
-            <span class="text-sm text-gray-700 dark:text-gray-300">{{ email }}</span>
-            <button @click="handleRemoveEmail(email)" class="text-red-500 hover:text-red-700 text-sm">
-              {{ t('profile.balanceNotify.removeEmail') }}
-            </button>
+      <template v-if="notifyEnabled">
+        <!-- Custom threshold -->
+        <div>
+          <label class="input-label">
+            {{ t('profile.balanceNotify.threshold') }}
+            <span class="text-xs text-gray-400 ml-2">{{ t('profile.balanceNotify.thresholdHint') }}</span>
+          </label>
+          <div class="flex items-center gap-2">
+            <span class="text-gray-500">$</span>
+            <input
+              v-model.number="customThreshold"
+              type="number"
+              min="0"
+              step="0.01"
+              class="input flex-1"
+              :placeholder="systemDefaultThreshold > 0 ? `${t('profile.balanceNotify.systemDefault')} $${systemDefaultThreshold}` : t('profile.balanceNotify.thresholdPlaceholder')"
+              @blur="handleThresholdUpdate"
+            />
           </div>
         </div>
 
-        <!-- Add new email -->
-        <div class="space-y-2">
+        <!-- Primary email (always shown, with toggle) -->
+        <div>
+          <label class="input-label">{{ t('profile.balanceNotify.extraEmails') }}</label>
+          <div class="space-y-2 mb-3">
+            <div class="flex items-center justify-between px-3 py-2 bg-gray-50 dark:bg-dark-700 rounded-lg">
+              <span class="text-sm text-gray-700 dark:text-gray-300">{{ userEmail }}</span>
+              <span class="text-xs text-gray-400">{{ t('profile.balanceNotify.primaryEmail') }}</span>
+            </div>
+          </div>
+
+          <!-- Verified extra emails -->
+          <div v-if="extraEmails.length > 0" class="space-y-2 mb-3">
+            <div v-for="email in extraEmails" :key="email"
+              class="flex items-center justify-between px-3 py-2 bg-gray-50 dark:bg-dark-700 rounded-lg">
+              <span class="text-sm text-gray-700 dark:text-gray-300">{{ email }}</span>
+              <button @click="handleRemoveEmail(email)" class="text-red-500 hover:text-red-700 text-sm">
+                {{ t('profile.balanceNotify.removeEmail') }}
+              </button>
+            </div>
+          </div>
+
+          <!-- Pending (unverified) emails -->
+          <div v-if="pendingEmails.length > 0" class="space-y-2 mb-3">
+            <div v-for="(pe, idx) in pendingEmails" :key="pe.email"
+              class="flex items-center gap-2 px-3 py-2 bg-yellow-50 dark:bg-yellow-900/10 rounded-lg border border-yellow-200 dark:border-yellow-800">
+              <span class="flex-1 text-sm text-gray-700 dark:text-gray-300">{{ pe.email }}</span>
+              <div v-if="!pe.codeSent" class="flex items-center gap-1">
+                <button @click="sendCodeFor(idx)" :disabled="pe.sending" class="text-xs text-primary-600 hover:text-primary-700">
+                  {{ t('profile.balanceNotify.sendCode') }}
+                </button>
+                <button @click="pendingEmails.splice(idx, 1)" class="text-xs text-red-500 hover:text-red-700 ml-1">
+                  {{ t('profile.balanceNotify.removeEmail') }}
+                </button>
+              </div>
+              <div v-else class="flex items-center gap-1">
+                <input
+                  v-model="pe.code"
+                  type="text"
+                  maxlength="6"
+                  class="w-20 rounded border border-gray-300 px-2 py-1 text-xs dark:border-dark-500 dark:bg-dark-700"
+                  :placeholder="t('profile.balanceNotify.codePlaceholder')"
+                />
+                <button @click="verifyPending(idx)" :disabled="!pe.code || pe.code.length !== 6 || pe.verifying" class="text-xs text-primary-600 hover:text-primary-700">
+                  {{ t('profile.balanceNotify.verify') }}
+                </button>
+                <span v-if="pe.countdown > 0" class="text-xs text-gray-400">{{ pe.countdown }}s</span>
+                <button v-else @click="sendCodeFor(idx)" :disabled="pe.sending" class="text-xs text-gray-500 hover:text-gray-700">
+                  {{ t('profile.balanceNotify.resend') }}
+                </button>
+              </div>
+            </div>
+          </div>
+
+          <!-- Add new email input -->
           <div class="flex gap-2">
             <input
               v-model="newEmail"
               type="email"
               class="input flex-1"
               :placeholder="t('profile.balanceNotify.emailPlaceholder')"
-              :disabled="codeSent"
+              @keyup.enter="addPendingEmail"
             />
             <button
-              @click="handleSendCode"
-              :disabled="!newEmail || sendingCode || codeCountdown > 0"
-              class="btn btn-outline whitespace-nowrap"
+              @click="addPendingEmail"
+              :disabled="!newEmail"
+              class="btn btn-secondary whitespace-nowrap"
             >
-              {{ codeCountdown > 0 ? `${codeCountdown}s` : (codeSent ? t('profile.balanceNotify.codeSent') : t('profile.balanceNotify.sendCode')) }}
-            </button>
-          </div>
-          <div v-if="codeSent" class="flex gap-2">
-            <input
-              v-model="verifyCode"
-              type="text"
-              maxlength="6"
-              class="input flex-1"
-              :placeholder="t('profile.balanceNotify.codePlaceholder')"
-            />
-            <button
-              @click="handleVerify"
-              :disabled="!verifyCode || verifyCode.length !== 6 || verifying"
-              class="btn btn-primary whitespace-nowrap"
-            >
-              {{ t('profile.balanceNotify.verify') }}
+              {{ t('common.add') }}
             </button>
           </div>
         </div>
-      </div>
+      </template>
     </div>
   </div>
 </template>
@@ -100,10 +123,22 @@ import { useAppStore } from '@/stores/app'
 import { userAPI } from '@/api'
 import { extractApiErrorMessage } from '@/utils/apiError'
 
+interface PendingEmail {
+  email: string
+  codeSent: boolean
+  code: string
+  sending: boolean
+  verifying: boolean
+  countdown: number
+  timer: ReturnType<typeof setInterval> | null
+}
+
 const props = defineProps<{
   enabled: boolean
   threshold: number | null
   extraEmails: string[]
+  systemDefaultThreshold: number
+  userEmail: string
 }>()
 
 const { t } = useI18n()
@@ -113,23 +148,19 @@ const appStore = useAppStore()
 const notifyEnabled = ref(props.enabled)
 const customThreshold = ref<number | null>(props.threshold)
 const extraEmails = ref<string[]>([...props.extraEmails])
+const pendingEmails = ref<PendingEmail[]>([])
 const newEmail = ref('')
-const verifyCode = ref('')
-const codeSent = ref(false)
-const sendingCode = ref(false)
-const verifying = ref(false)
-const codeCountdown = ref(0)
-
-let countdownTimer: ReturnType<typeof setInterval> | null = null
-
-onUnmounted(() => {
-  if (countdownTimer) clearInterval(countdownTimer)
-})
 
 watch(() => props.enabled, (val) => { notifyEnabled.value = val })
 watch(() => props.threshold, (val) => { customThreshold.value = val })
 watch(() => props.extraEmails, (val) => { extraEmails.value = [...val] })
 
+onUnmounted(() => {
+  for (const pe of pendingEmails.value) {
+    if (pe.timer) clearInterval(pe.timer)
+  }
+})
+
 const handleToggle = async () => {
   try {
     const updated = await userAPI.updateProfile({ balance_notify_enabled: notifyEnabled.value })
@@ -150,47 +181,56 @@ const handleThresholdUpdate = async () => {
   }
 }
 
-const handleSendCode = async () => {
-  if (!newEmail.value) return
-  sendingCode.value = true
+function addPendingEmail() {
+  const email = newEmail.value.trim()
+  if (!email) return
+  if (email === props.userEmail || extraEmails.value.includes(email) || pendingEmails.value.some(p => p.email === email)) {
+    appStore.showError(t('common.error'))
+    return
+  }
+  pendingEmails.value.push({ email, codeSent: false, code: '', sending: false, verifying: false, countdown: 0, timer: null })
+  newEmail.value = ''
+}
+
+async function sendCodeFor(idx: number) {
+  const pe = pendingEmails.value[idx]
+  if (!pe) return
+  pe.sending = true
   try {
-    await userAPI.sendNotifyEmailCode(newEmail.value)
-    codeSent.value = true
-    codeCountdown.value = 60
-    countdownTimer = setInterval(() => {
-      codeCountdown.value--
-      if (codeCountdown.value <= 0) {
-        if (countdownTimer) clearInterval(countdownTimer)
-        countdownTimer = null
+    await userAPI.sendNotifyEmailCode(pe.email)
+    pe.codeSent = true
+    pe.countdown = 60
+    pe.timer = setInterval(() => {
+      pe.countdown--
+      if (pe.countdown <= 0 && pe.timer) {
+        clearInterval(pe.timer)
+        pe.timer = null
       }
     }, 1000)
     appStore.showSuccess(t('profile.balanceNotify.codeSent'))
   } catch (err: unknown) {
     appStore.showError(extractApiErrorMessage(err, t('common.error')))
   } finally {
-    sendingCode.value = false
+    pe.sending = false
   }
 }
 
-const handleVerify = async () => {
-  if (!verifyCode.value || verifyCode.value.length !== 6) return
-  verifying.value = true
+async function verifyPending(idx: number) {
+  const pe = pendingEmails.value[idx]
+  if (!pe || !pe.code || pe.code.length !== 6) return
+  pe.verifying = true
   try {
-    await userAPI.verifyNotifyEmail(newEmail.value, verifyCode.value)
-    extraEmails.value.push(newEmail.value)
-    newEmail.value = ''
-    verifyCode.value = ''
-    codeSent.value = false
-    if (countdownTimer) clearInterval(countdownTimer)
-    codeCountdown.value = 0
+    await userAPI.verifyNotifyEmail(pe.email, pe.code)
+    extraEmails.value.push(pe.email)
+    if (pe.timer) clearInterval(pe.timer)
+    pendingEmails.value.splice(idx, 1)
     appStore.showSuccess(t('profile.balanceNotify.verifySuccess'))
-    // Refresh user data
     const updated = await userAPI.getProfile()
     authStore.user = updated
   } catch (err: unknown) {
     appStore.showError(extractApiErrorMessage(err, t('common.error')))
   } finally {
-    verifying.value = false
+    pe.verifying = false
   }
 }
 
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index 6688c1b6..1b4cb9ea 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -911,17 +911,19 @@ export default {
       thresholdHint: 'Leave empty to use system default',
       thresholdPlaceholder: 'Enter amount',
       systemDefault: 'System Default',
-      extraEmails: 'Extra Notification Emails',
+      extraEmails: 'Notification Emails',
+      primaryEmail: 'Primary',
       noExtraEmails: 'No extra notification emails',
       enterEmail: 'Enter email address',
       addEmail: 'Add Email',
       emailPlaceholder: 'Enter email address',
       sendCode: 'Send Code',
+      resend: 'Resend',
       codeSent: 'Verification code sent',
       codeSentTo: 'Code sent to {email}',
       enterCode: 'Enter verification code',
       codePlaceholder: '6-digit code',
-      verify: 'Verify & Add',
+      verify: 'Verify',
       emailAdded: 'Email added',
       emailRemoved: 'Email removed',
       verifySuccess: 'Email added successfully',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index 70d20cc0..ca091dd5 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -915,17 +915,19 @@ export default {
       thresholdHint: '留空使用系统默认值',
       thresholdPlaceholder: '输入金额',
       systemDefault: '系统默认值',
-      extraEmails: '额外通知邮箱',
+      extraEmails: '通知邮箱',
+      primaryEmail: '主邮箱',
       noExtraEmails: '暂无额外通知邮箱',
       enterEmail: '输入邮箱地址',
       addEmail: '添加邮箱',
       emailPlaceholder: '输入邮箱地址',
       sendCode: '发送验证码',
+      resend: '重发',
       codeSent: '验证码已发送',
       codeSentTo: '验证码已发送到 {email}',
       enterCode: '输入验证码',
       codePlaceholder: '6位验证码',
-      verify: '确认添加',
+      verify: '验证',
       emailAdded: '邮箱已添加',
       emailRemoved: '邮箱已移除',
       verifySuccess: '邮箱添加成功',
diff --git a/frontend/src/stores/app.ts b/frontend/src/stores/app.ts
index b69c3648..1995383d 100644
--- a/frontend/src/stores/app.ts
+++ b/frontend/src/stores/app.ts
@@ -342,6 +342,7 @@ export const useAppStore = defineStore('app', () => {
         version: siteVersion.value,
         balance_low_notify_enabled: false,
         account_quota_notify_enabled: false,
+        balance_low_notify_threshold: 0,
       }
     }
 
diff --git a/frontend/src/types/index.ts b/frontend/src/types/index.ts
index c6c74354..661c4c79 100644
--- a/frontend/src/types/index.ts
+++ b/frontend/src/types/index.ts
@@ -119,6 +119,7 @@ export interface PublicSettings {
   version: string
   balance_low_notify_enabled: boolean
   account_quota_notify_enabled: boolean
+  balance_low_notify_threshold: number
 }
 
 export interface AuthResponse {
diff --git a/frontend/src/views/user/ProfileView.vue b/frontend/src/views/user/ProfileView.vue
index f801e20d..e7418ebb 100644
--- a/frontend/src/views/user/ProfileView.vue
+++ b/frontend/src/views/user/ProfileView.vue
@@ -19,6 +19,8 @@
         :enabled="user.balance_notify_enabled ?? true"
         :threshold="user.balance_notify_threshold"
         :extra-emails="user.balance_notify_extra_emails ?? []"
+        :system-default-threshold="systemDefaultThreshold"
+        :user-email="user.email"
       />
       <ProfilePasswordForm />
       <ProfileTotpCard />
@@ -41,11 +43,12 @@ import { Icon } from '@/components/icons'
 const { t } = useI18n(); const authStore = useAuthStore(); const user = computed(() => authStore.user)
 const contactInfo = ref('')
 const balanceLowNotifyEnabled = ref(false)
+const systemDefaultThreshold = ref(0)
 
 const WalletIcon = { render: () => h('svg', { fill: 'none', viewBox: '0 0 24 24', stroke: 'currentColor', 'stroke-width': '1.5' }, [h('path', { d: 'M21 12a2.25 2.25 0 00-2.25-2.25H15a3 3 0 11-6 0H5.25A2.25 2.25 0 003 12' })]) }
 const BoltIcon = { render: () => h('svg', { fill: 'none', viewBox: '0 0 24 24', stroke: 'currentColor', 'stroke-width': '1.5' }, [h('path', { d: 'm3.75 13.5 10.5-11.25L12 10.5h8.25L9.75 21.75 12 13.5H3.75z' })]) }
 const CalendarIcon = { render: () => h('svg', { fill: 'none', viewBox: '0 0 24 24', stroke: 'currentColor', 'stroke-width': '1.5' }, [h('path', { d: 'M6.75 3v2.25M17.25 3v2.25' })]) }
 
-onMounted(async () => { try { const s = await authAPI.getPublicSettings(); contactInfo.value = s.contact_info || ''; balanceLowNotifyEnabled.value = s.balance_low_notify_enabled ?? false } catch (error) { console.error('Failed to load contact info:', error) } })
+onMounted(async () => { try { const s = await authAPI.getPublicSettings(); contactInfo.value = s.contact_info || ''; balanceLowNotifyEnabled.value = s.balance_low_notify_enabled ?? false; systemDefaultThreshold.value = s.balance_low_notify_threshold ?? 0 } catch (error) { console.error('Failed to load settings:', error) } })
 const formatCurrency = (v: number) => `$${v.toFixed(2)}`
 </script>
\ No newline at end of file