diff --git a/src/api/agent.js b/src/api/agent.js
index 474543d..c6c387b 100644
--- a/src/api/agent.js
+++ b/src/api/agent.js
@@ -218,8 +218,12 @@ export function getWithdrawalList(params) {
  * 申请提现
  * @param {object} params - 提现参数
  * @param {number} params.amount - 提现金额
- * @param {string} params.payee_account - 收款账户
- * @param {string} params.payee_name - 收款人姓名
+ * @param {number} params.withdraw_method - 提现方式：1=支付宝，2=银行卡
+ * @param {string} params.payee_account - 收款账户（支付宝）
+ * @param {string} params.payee_name - 收款人姓名/持卡人姓名
+ * @param {string} params.bank_name - 开户行（银行卡）
+ * @param {string} params.bank_card_no - 银行卡号（银行卡）
+ * @param {string} params.bank_reserved_mobile - 银行预留手机号（银行卡）
  */
 export function applyWithdrawal(params) {
     return useApiFetch("/agent/withdrawal/apply").post(params).json();
diff --git a/src/views/Withdraw.vue b/src/views/Withdraw.vue
index 83a7a8f..49963d0 100644
--- a/src/views/Withdraw.vue
+++ b/src/views/Withdraw.vue
@@ -23,26 +23,32 @@
             <!-- 提现卡片 -->
             <div class="rounded-xl shadow-lg p-6 mb-4" style="background: linear-gradient(135deg, var(--van-theme-primary-light), rgba(255,255,255,0.8));">
                 <div class="flex items-center mb-6">
-                    <van-icon name="alipay" class="text-xl mr-2" style="color: #1677FF;" />
-                    <h1 class="text-xl font-bold" style="color: var(--van-text-color);">支付宝提现</h1>
+                    <van-icon :name="withdrawMethod === 1 ? 'alipay' : 'balance-o'" class="text-xl mr-2" style="color: #1677FF;" />
+                    <h1 class="text-xl font-bold" style="color: var(--van-text-color);">{{ withdrawMethod === 1 ? "支付宝提现" : "银行卡提现" }}</h1>
                 </div>
 
-                <!-- 支付宝账号 -->
                 <div class="mb-6">
-                    <label class="text-sm mb-2 block" style="color: var(--van-text-color);">支付宝账号</label>
-                    <van-field v-model="alipayAccount" placeholder="请输入支付宝账号"
-                        class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm"
-                        :rules="[{ required: true, message: ' ' }]">
-                        <template #left-icon>
-                            <van-icon name="phone-o" style="color: var(--van-text-color-2);" />
-                        </template>
-                    </van-field>
-                    <small class="text-xs mt-1 block" style="color: var(--van-text-color-2);">可填写支付宝账户绑定的手机号</small>
+                    <label class="text-sm mb-2 block" style="color: var(--van-text-color);">提现方式</label>
+                    <div class="flex justify-center items-center gap-3">
+                        <button type="button"
+                            class="withdraw-method-btn"
+                            :class="{ active: withdrawMethod === 1 }"
+                            @click="withdrawMethod = 1">
+                            支付宝
+                        </button>
+                        <button type="button"
+                            class="withdraw-method-btn"
+                            :class="{ active: withdrawMethod === 2 }"
+                            @click="withdrawMethod = 2">
+                            银行卡
+                        </button>
+                    </div>
                 </div>
-                <!-- 支付宝实名姓名 -->
+
+                <!-- 收款人姓名 -->
                 <div class="mb-6">
-                    <label class="text-sm mb-2 block" style="color: var(--van-text-color);">实名姓名</label>
-                    <van-field v-model="realName" placeholder="请输入支付宝认证姓名"
+                    <label class="text-sm mb-2 block" style="color: var(--van-text-color);">收款人姓名</label>
+                    <van-field v-model="realName" :placeholder="withdrawMethod === 1 ? '请输入支付宝认证姓名' : '请输入持卡人姓名'"
                         class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm" :rules="[
                             {
                                 required: true,
@@ -55,7 +61,38 @@
                             <van-icon name="contact-o" style="color: var(--van-text-color-2);" />
                         </template>
                     </van-field>
-                    <small class="text-xs mt-1 block" style="color: var(--van-text-color-2);">请填写支付宝账户认证的真实姓名</small>
+                </div>
+
+                <!-- 支付宝账号 -->
+                <div v-if="withdrawMethod === 1" class="mb-6">
+                    <label class="text-sm mb-2 block" style="color: var(--van-text-color);">支付宝账号</label>
+                    <van-field v-model="alipayAccount" placeholder="请输入支付宝账号"
+                        class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm"
+                        :rules="[{ required: true, message: ' ' }]">
+                        <template #left-icon>
+                            <van-icon name="phone-o" style="color: var(--van-text-color-2);" />
+                        </template>
+                    </van-field>
+                    <small class="text-xs mt-1 block" style="color: var(--van-text-color-2);">可填写支付宝账户绑定的手机号</small>
+                </div>
+
+                <!-- 银行卡信息 -->
+                <div v-else class="space-y-4 mb-6">
+                    <div>
+                        <label class="text-sm mb-2 block" style="color: var(--van-text-color);">银行卡号</label>
+                        <van-field v-model="bankCardNo" placeholder="请输入银行卡号"
+                            class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm" />
+                    </div>
+                    <div>
+                        <label class="text-sm mb-2 block" style="color: var(--van-text-color);">开户行</label>
+                        <van-field v-model="bankName" placeholder="请输入开户行"
+                            class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm" />
+                    </div>
+                    <div>
+                        <label class="text-sm mb-2 block" style="color: var(--van-text-color);">预留手机号</label>
+                        <van-field v-model="bankReservedMobile" placeholder="请输入银行预留手机号"
+                            class="flex items-center rounded-lg bg-white/90 backdrop-blur-sm shadow-sm" />
+                    </div>
                 </div>
                 <!-- 提现金额 -->
                 <div class="mb-4">
@@ -201,11 +238,8 @@
                         </h2>
                         <template v-if="status === 2">
                             <p class="text-sm" style="color: var(--van-text-color-2);">
-                                已向
-                                <span style="color: var(--van-theme-primary);">{{
-                                    alipayAccount
-                                    }}</span>
-                                转账
+                                已提交至
+                                <span style="color: var(--van-theme-primary);">{{ transferTargetText }}</span>
                             </p>
                             <p class="text-2xl font-bold mt-2" style="color: #10b981;">
                                 ¥{{ amount }}
@@ -326,10 +360,17 @@ const statusMessages = {
 };
 
 // 表单数据
+const withdrawMethod = ref(1);
 const alipayAccount = ref("");
+const bankCardNo = ref("");
+const bankName = ref("");
+const bankReservedMobile = ref("");
 const amount = ref(0);
 const availableAmount = ref(null);
 const realName = ref("");
+const transferTargetText = computed(() =>
+    withdrawMethod.value === 1 ? alipayAccount.value : `银行卡(${bankCardNo.value})`
+);
 
 const getData = async () => {
     const { data, error } = await getRevenueInfo();
@@ -359,8 +400,24 @@ const validateForm = () => {
         return false;
     }
     if (!alipayAccount.value.trim()) {
-        showToast("请输入支付宝账号");
-        return false;
+        if (withdrawMethod.value === 1) {
+            showToast("请输入支付宝账号");
+            return false;
+        }
+    }
+    if (withdrawMethod.value === 2) {
+        if (!/^\d{13,19}$/.test((bankCardNo.value || "").trim())) {
+            showToast("请输入正确的银行卡号");
+            return false;
+        }
+        if (!bankName.value.trim()) {
+            showToast("请输入开户行");
+            return false;
+        }
+        if (!/^1[3-9]\d{9}$/.test((bankReservedMobile.value || "").trim())) {
+            showToast("请输入正确的预留手机号");
+            return false;
+        }
     }
 
     const amountNum = Number(amount.value);
@@ -409,10 +466,17 @@ const confirmWithdraw = async () => {
     isSubmitting.value = true;
     try {
         const { applyWithdrawal } = await import('@/api/agent');
-        const { data, error } = await applyWithdrawal({
-            payee_account: alipayAccount.value,
+        const payload = {
+            withdraw_method: Number(withdrawMethod.value),
             amount: Number(amount.value),
             payee_name: realName.value,
+            payee_account: withdrawMethod.value === 1 ? alipayAccount.value : "",
+            bank_name: withdrawMethod.value === 2 ? bankName.value : "",
+            bank_card_no: withdrawMethod.value === 2 ? bankCardNo.value : "",
+            bank_reserved_mobile: withdrawMethod.value === 2 ? bankReservedMobile.value : "",
+        };
+        const { data, error } = await applyWithdrawal({
+            ...payload,
         });
         if (data.value?.code === 200 && !error.value) {
             status.value = 1; // 新系统：申请后状态为1（待审核）
@@ -448,6 +512,9 @@ const fillMaxAmount = () => {
 const resetForm = () => {
     status.value = null;
     alipayAccount.value = "";
+    bankCardNo.value = "";
+    bankName.value = "";
+    bankReservedMobile.value = "";
     amount.value = "";
     realName.value = "";
 };
@@ -506,4 +573,24 @@ const resetForm = () => {
 .pointer-events-none {
     pointer-events: none;
 }
+
+.withdraw-method-btn {
+    min-width: 108px;
+    height: 38px;
+    padding: 0 16px;
+    border-radius: 9999px;
+    border: 1px solid var(--van-border-color);
+    background: #ffffff;
+    color: var(--van-text-color-2);
+    font-size: 14px;
+    font-weight: 600;
+    transition: all 0.2s ease;
+}
+
+.withdraw-method-btn.active {
+    border-color: var(--van-theme-primary);
+    background: var(--van-theme-primary);
+    color: #fff;
+    box-shadow: 0 4px 12px rgba(16, 185, 129, 0.25);
+}
 </style>