diff --git a/src/trader/ths/win.py b/src/trader/ths/win.py
index bf08e9c..a3c0e6b 100644
--- a/src/trader/ths/win.py
+++ b/src/trader/ths/win.py
@@ -663,17 +663,29 @@ def cancel_last(self):
         return self._bulk_cancel("last")
 
     def get_balance(self):
-        self.switch_to_normal()
-        hot_key(["F4"])
-        self.refresh()
-        hwnd = self.get_right_hwnd()
-        data = {}
-        for key, cid in BALANCE_CONTROL_ID_GROUP.items():
-            ctrl = self._find_ctrl_by_id(hwnd, cid)
-            if ctrl > 0:
-                data[key] = get_text(ctrl)
-        self.state.update("balance", data)
-        return {"code": 0, "status": "succeed", "data": data}
+        # 多账户登录时每个账户各挂一套同 ID 资金控件，只有当前账户的可见；
+        # 不按可见性过滤会读到其他账户隐藏面板的数字（2026-07-14 双账户
+        # 切换演练：Alt+2 已切到账户二，balance 仍返回账户一全套数字）。
+        # 只认可见控件、读不到重试后明确报错——不做未过滤兜底：兜底在面板
+        # 加载间隙同样可能抓到其他账户的隐藏副本，真钱 sizing 宁可失败不可读错。
+        for retry in range(retry_time):
+            self.switch_to_normal()
+            hot_key(["F4"])
+            self.refresh()
+            hwnd = self.get_right_hwnd()
+            data = {}
+            for key, cid in BALANCE_CONTROL_ID_GROUP.items():
+                ctrl = self._find_ctrl_by_id(hwnd, cid, visible=True)
+                if ctrl > 0:
+                    data[key] = get_text(ctrl)
+            if data:
+                self.state.update("balance", data)
+                return {"code": 0, "status": "succeed", "data": data}
+            time.sleep(sleep_time)
+        return {"code": 1, "status": "failed",
+                "msg": "未找到可见的资金面板控件（面板未加载完或客户端异常），"
+                       "已放弃读取——不回退读隐藏面板（多账户下可能是其他账户的数字），"
+                       "请稍后重试"}
 
     def get_position(self):
         for retry in range(retry_time):
diff --git a/tests/test_balance_visible.py b/tests/test_balance_visible.py
new file mode 100644
index 0000000..8b30010
--- /dev/null
+++ b/tests/test_balance_visible.py
@@ -0,0 +1,52 @@
+"""get_balance 可见性过滤回归：多账户下必须读当前账户的可见控件。
+
+2026-07-14 双账户切换演练事故：xiadan 多账户登录时每个账户各挂一套同 ID
+资金控件（0x3F4..），只有当前账户的可见。get_balance 原先不过滤可见性，
+Alt+2 已切到账户二后仍返回账户一的全套数字——真钱 sizing 的输入被污染。
+
+这里锁定两条纪律：① 只认可见控件；② 读不到就明确失败，绝不回退到未过滤
+匹配（兜底在面板加载间隙同样可能抓到其他账户的隐藏副本——宁可失败不可读错）。
+Win32 层全部打桩，可跨平台跑。
+"""
+from trader.ths import win as w
+from trader.ths.win import WinThsBackend
+
+HIDDEN, VISIBLE = 111, 222
+
+
+def _stubbed_backend(monkeypatch, find_ctrl):
+    b = WinThsBackend()
+    monkeypatch.setattr(b, "switch_to_normal", lambda: None)
+    monkeypatch.setattr(b, "refresh", lambda: None)
+    monkeypatch.setattr(b, "get_right_hwnd", lambda: 999)
+    monkeypatch.setattr(b, "_find_ctrl_by_id", find_ctrl)
+    monkeypatch.setattr(w, "hot_key", lambda keys: None)
+    monkeypatch.setattr(w, "sleep_time", 0)
+    monkeypatch.setattr(
+        w, "get_text", lambda h: "1.23" if h == VISIBLE else "34915.47"
+    )
+    return b
+
+
+def test_reads_only_visible_ctrl(monkeypatch):
+    """可见副本存在时必须用它——绝不能读到其他账户隐藏面板的数字。"""
+
+    def find_ctrl(root, cid, cls=None, visible=False):
+        return VISIBLE if visible else HIDDEN
+
+    result = _stubbed_backend(monkeypatch, find_ctrl).get_balance()
+    assert result["code"] == 0
+    assert set(result["data"].values()) == {"1.23"}
+
+
+def test_fails_loudly_when_no_visible_ctrl(monkeypatch):
+    """无可见控件 → 明确报失败，绝不回退未过滤匹配去读隐藏面板。"""
+
+    def find_ctrl(root, cid, cls=None, visible=False):
+        return 0 if visible else HIDDEN
+
+    result = _stubbed_backend(monkeypatch, find_ctrl).get_balance()
+    assert result["code"] == 1
+    assert "不回退" in result["msg"]
+    # 隐藏副本的数字绝不能出现在任何返回里
+    assert "34915.47" not in str(result)