diff --git a/src/subdomains/supporting/bank/virtual-iban/__tests__/virtual-iban.service.spec.ts b/src/subdomains/supporting/bank/virtual-iban/__tests__/virtual-iban.service.spec.ts
index 33aed14c9c..a5727856d1 100644
--- a/src/subdomains/supporting/bank/virtual-iban/__tests__/virtual-iban.service.spec.ts
+++ b/src/subdomains/supporting/bank/virtual-iban/__tests__/virtual-iban.service.spec.ts
@@ -1377,7 +1377,11 @@ describe('VirtualIbanService', () => {
       expect(yapealVibanProvider.reserveViban).not.toHaveBeenCalled();
     });
 
-    it('getActiveForUserAndCurrency keeps the merge-base selection semantics without excluding Frick', async () => {
+    it('getActiveForUserAndCurrency only considers rows whose bank still receives', async () => {
+      // A customer can hold several active rows per currency - a retired Yapeal EUR IBAN next to a
+      // working Frick one. findOne has no ORDER BY, so without this filter the retired row can win,
+      // the caller sees "found, but the bank does not receive", and with no collection-account
+      // fallback left the request fails outright. That hit every holder of a retired Yapeal EUR IBAN.
       jest.spyOn(virtualIbanRepo, 'findOne').mockResolvedValue(null);
 
       await service.getActiveForUserAndCurrency(userData, 'CHF');
@@ -1386,6 +1390,7 @@ describe('VirtualIbanService', () => {
         where: {
           userData: { id: 7 },
           currency: { name: 'CHF' },
+          bank: { receive: true },
           active: true,
           status: VirtualIbanStatus.ACTIVE,
         },
diff --git a/src/subdomains/supporting/bank/virtual-iban/virtual-iban.service.ts b/src/subdomains/supporting/bank/virtual-iban/virtual-iban.service.ts
index 8a9f6902ba..a74b64f7e1 100644
--- a/src/subdomains/supporting/bank/virtual-iban/virtual-iban.service.ts
+++ b/src/subdomains/supporting/bank/virtual-iban/virtual-iban.service.ts
@@ -126,6 +126,13 @@ export class VirtualIbanService {
       where: {
         userData: { id: userData.id },
         currency: { name: currencyName },
+        // A customer can hold several active rows for one currency - e.g. an old Yapeal EUR IBAN
+        // alongside a newer Frick one. Rows whose bank no longer receives must not be returned: this
+        // is a findOne without an ORDER BY, so a retired row can win over a working one, and the
+        // caller then sees "IBAN found, bank does not receive" and gives up. Since the collection
+        // account is no longer a fallback, that surfaced as PersonalIbanIssuanceFailed for every
+        // customer holding a retired Yapeal EUR IBAN.
+        bank: { receive: true },
         active: true,
         status: VirtualIbanStatus.ACTIVE,
       },