diff --git a/__tests__/transfers-second-wallet.spec.js b/__tests__/transfers-second-wallet.spec.js
new file mode 100644
index 00000000..ef6dc452
--- /dev/null
+++ b/__tests__/transfers-second-wallet.spec.js
@@ -0,0 +1,84 @@
+require('dotenv').config();
+const request = require('supertest');
+const { expect } = require('chai');
+const server = require('../server/app');
+const seed = require('./seed');
+
+describe('Transfers sent to a second wallet of the account', () => {
+  let bearerTokenA;
+  let bearerTokenB;
+  let secondWalletId;
+
+  beforeEach(async () => {
+    await seed.clear();
+    await seed.seed();
+    bearerTokenA = seed.wallet.keycloak_account_id;
+    bearerTokenB = seed.walletB.keycloak_account_id;
+
+    const created = await request(server)
+      .post('/wallets')
+      .set('content-type', 'application/json')
+      .set('Authorization', `Bearer ${bearerTokenA}`)
+      .send({ wallet: 'walletA-second' })
+      .expect(201);
+    secondWalletId = created.body.id;
+
+    await request(server)
+      .post('/transfers')
+      .set('content-type', 'application/json')
+      .set('Authorization', `Bearer ${bearerTokenB}`)
+      .send({
+        tokens: [seed.tokenB.id],
+        sender_wallet: seed.walletC.name,
+        receiver_wallet: 'walletA-second',
+      })
+      .expect(202);
+  });
+
+  it('are visible to the account that owns the second wallet', async () => {
+    const res = await request(server)
+      .get('/transfers')
+      .set('Authorization', `Bearer ${bearerTokenA}`)
+      .expect(200);
+
+    const mine = res.body.transfers.filter(
+      (t) => t.destination_wallet === 'walletA-second',
+    );
+    expect(mine).lengthOf(1);
+    expect(mine[0]).to.have.property('state', 'pending');
+  });
+
+  it('can be accepted by that account', async () => {
+    const listed = await request(server)
+      .get('/transfers')
+      .set('Authorization', `Bearer ${bearerTokenA}`)
+      .expect(200);
+
+    const pending = listed.body.transfers.find(
+      (t) => t.destination_wallet === 'walletA-second',
+    );
+
+    const accepted = await request(server)
+      .post(`/transfers/${pending.id}/accept`)
+      .set('content-type', 'application/json')
+      .set('Authorization', `Bearer ${bearerTokenA}`);
+
+    expect(accepted).to.have.property('statusCode', 200);
+    expect(accepted.body).to.have.property('state', 'completed');
+  });
+
+  it('does not leak transfers between unrelated accounts', async () => {
+    const res = await request(server)
+      .get('/transfers')
+      .set('Authorization', `Bearer ${seed.walletC.keycloak_account_id}`)
+      .expect(200);
+
+    const walletIds = [seed.wallet.id, secondWalletId];
+    const leaked = res.body.transfers.filter(
+      (t) =>
+        walletIds.includes(t.source_wallet_id) ||
+        walletIds.includes(t.destination_wallet_id),
+    );
+    expect(leaked).lengthOf(0);
+  });
+});
diff --git a/server/models/Transfer.js b/server/models/Transfer.js
index b7e1c47b..9659e2ef 100644
--- a/server/models/Transfer.js
+++ b/server/models/Transfer.js
@@ -73,13 +73,28 @@ class Transfer {
     const filter = {
       and: [],
     };
-    filter.and.push({
-      or: [
-        { source_wallet_id: walletLoginId },
-        { destination_wallet_id: walletLoginId },
-        { originator_wallet_id: walletLoginId },
-      ],
-    });
+    const { wallets } = await this._wallet.getAllWallets(
+      walletLoginId,
+      undefined,
+      undefined,
+      'created_at',
+      'desc',
+    );
+    // Never let this list go empty: knex drops an empty `or` and every
+    // transfer in the table comes back.
+    const orConditions = [
+      { source_wallet_id: walletLoginId },
+      { destination_wallet_id: walletLoginId },
+      { originator_wallet_id: walletLoginId },
+    ];
+    wallets
+      .filter((wallet) => wallet.id !== walletLoginId)
+      .forEach((wallet) => {
+        orConditions.push({ source_wallet_id: wallet.id });
+        orConditions.push({ destination_wallet_id: wallet.id });
+        orConditions.push({ originator_wallet_id: wallet.id });
+      });
+    filter.and.push({ or: orConditions });
     if (state) {
       filter.and.push({ state });
     }