diff --git a/src/main/java/com/sopterm/makeawish/domain/user/AccountInfo.java b/src/main/java/com/sopterm/makeawish/domain/user/AccountInfo.java
index fda75ec..4832411 100644
--- a/src/main/java/com/sopterm/makeawish/domain/user/AccountInfo.java
+++ b/src/main/java/com/sopterm/makeawish/domain/user/AccountInfo.java
@@ -16,16 +16,8 @@ public class AccountInfo {
 	private String name;
 	private String bank;
 	private String account;
-	private String kakaoPayCode;
-	private boolean forPayCode;
 
-	public AccountInfo updateInfo(String name, String bank, String account, String kakaoPayCode) {
-		if(nonNull(account) && !this.account.equals(account)) {
-			this.forPayCode = false;
-		}
-		if(nonNull(kakaoPayCode) && !this.kakaoPayCode.equals(kakaoPayCode)) {
-			this.forPayCode = true;
-		}
+	public AccountInfo updateInfo(String name, String bank, String account) {
 		if (nonNull(name)) {
 			this.name = name;
 		}
@@ -33,14 +25,9 @@ public AccountInfo updateInfo(String name, String bank, String account, String k
 			this.bank = bank;
 		}
 		if (nonNull(account)) {
-			this.forPayCode = false;
 			this.account = account;
 		}
 
-		if(nonNull(kakaoPayCode)) {
-			this.forPayCode = true;
-			this.kakaoPayCode = kakaoPayCode;
-		}
 		return this;
 	}
 }
diff --git a/src/main/java/com/sopterm/makeawish/domain/user/TransferInfo.java b/src/main/java/com/sopterm/makeawish/domain/user/TransferInfo.java
new file mode 100644
index 0000000..25b432c
--- /dev/null
+++ b/src/main/java/com/sopterm/makeawish/domain/user/TransferInfo.java
@@ -0,0 +1,31 @@
+package com.sopterm.makeawish.domain.user;
+
+import com.sopterm.makeawish.dto.user.UserAccountRequestDTO;
+import jakarta.persistence.Embeddable;
+import lombok.AllArgsConstructor;
+import lombok.Builder;
+import lombok.Getter;
+import lombok.NoArgsConstructor;
+
+@Getter
+@Embeddable
+@NoArgsConstructor
+@AllArgsConstructor
+public class TransferInfo {
+    private AccountInfo accountInfo;
+    private String kakaoPayCode;
+    private boolean forPayCode;
+
+    public void updateTransferInfo(AccountInfo accountInfo, String kakaoPayCode, boolean forPayCode){
+        this.accountInfo = accountInfo;
+        this.kakaoPayCode = kakaoPayCode;
+        this.forPayCode = forPayCode;
+    }
+
+    @Builder
+    public TransferInfo(UserAccountRequestDTO userAccountRequestDTO){
+        this.accountInfo = userAccountRequestDTO.accountInfo();
+        this.forPayCode = userAccountRequestDTO.forPayCode();
+        this.kakaoPayCode = userAccountRequestDTO.kakaoPayCode();
+    }
+}
diff --git a/src/main/java/com/sopterm/makeawish/domain/user/User.java b/src/main/java/com/sopterm/makeawish/domain/user/User.java
index af2095d..5eb8a9b 100644
--- a/src/main/java/com/sopterm/makeawish/domain/user/User.java
+++ b/src/main/java/com/sopterm/makeawish/domain/user/User.java
@@ -2,18 +2,15 @@
 
 import com.sopterm.makeawish.domain.wish.Wish;
 import com.sopterm.makeawish.dto.auth.AuthSignInRequestDTO;
+import com.sopterm.makeawish.dto.user.UserAccountRequestDTO;
 import jakarta.persistence.*;
-import lombok.AllArgsConstructor;
-import lombok.Builder;
-import lombok.Getter;
-import lombok.NoArgsConstructor;
+import lombok.*;
 
 import java.time.LocalDateTime;
 import java.util.ArrayList;
 import java.util.List;
 
 import static jakarta.persistence.GenerationType.IDENTITY;
-import static java.util.Objects.*;
 
 @Entity
 @Getter
@@ -48,7 +45,7 @@ public class User {
     private LocalDateTime createdAt;
 
     @Embedded
-    private AccountInfo account;
+    private TransferInfo transferInfo;
 
     @OneToMany(mappedBy = "wisher")
     private final List<Wish> wishes = new ArrayList<>();
@@ -60,21 +57,19 @@ public User(AuthSignInRequestDTO authSignInRequestDto) {
         this.socialId = authSignInRequestDto.socialId();
         this.nickname = authSignInRequestDto.nickname();
         this.createdAt = authSignInRequestDto.createdAt();
-        this.account = new AccountInfo(null, null, null, null, false);
+        val account = new AccountInfo(null, null, null);
+        this.transferInfo = new TransferInfo(account, null, false);
     }
 
     public void updateRefreshToken(String refreshToken) {
         this.refreshToken = refreshToken;
     }
 
-    public void updateProfile(String name, String bank, String account, String kakaoPayCode) {
-        updateAccount(name, bank, account, kakaoPayCode);
+    public void updateProfile(TransferInfo userTransferInfo) {
+        updateTransferInfo(userTransferInfo);
     }
 
-    public void updateAccount(String name, String bank, String account, String kakaoPayCode) {
-        if (isNull(this.account)) {
-            this.account = new AccountInfo(null, null, null, null, false);
-        }
-        this.account.updateInfo(name, bank, account, kakaoPayCode);
+    public void updateTransferInfo(TransferInfo transferInfo){
+        this.transferInfo.updateTransferInfo(transferInfo.getAccountInfo(), transferInfo.getKakaoPayCode(), transferInfo.isForPayCode());
     }
 }
\ No newline at end of file
diff --git a/src/main/java/com/sopterm/makeawish/dto/user/UserAccountRequestDTO.java b/src/main/java/com/sopterm/makeawish/dto/user/UserAccountRequestDTO.java
index e225529..b05eaa6 100644
--- a/src/main/java/com/sopterm/makeawish/dto/user/UserAccountRequestDTO.java
+++ b/src/main/java/com/sopterm/makeawish/dto/user/UserAccountRequestDTO.java
@@ -3,7 +3,8 @@
 import com.sopterm.makeawish.domain.user.AccountInfo;
 
 public record UserAccountRequestDTO(
-	AccountInfo accountInfo,
-	String phone
+        AccountInfo accountInfo,
+        String kakaoPayCode,
+        boolean forPayCode
 ) {
 }
diff --git a/src/main/java/com/sopterm/makeawish/dto/user/UserAccountResponseDTO.java b/src/main/java/com/sopterm/makeawish/dto/user/UserAccountResponseDTO.java
index 5de2a75..2230d40 100644
--- a/src/main/java/com/sopterm/makeawish/dto/user/UserAccountResponseDTO.java
+++ b/src/main/java/com/sopterm/makeawish/dto/user/UserAccountResponseDTO.java
@@ -1,24 +1,24 @@
 package com.sopterm.makeawish.dto.user;
 
-import static java.util.Objects.*;
-
-import com.sopterm.makeawish.domain.user.AccountInfo;
+import com.sopterm.makeawish.domain.user.TransferInfo;
 import com.sopterm.makeawish.domain.user.User;
 import lombok.Builder;
 
+import static java.util.Objects.nonNull;
+
 @Builder
 public record UserAccountResponseDTO(
-	Long id,
-	AccountInfo accountInfo
+        Long id,
+        TransferInfo transferInfo
 ) {
-	public static UserAccountResponseDTO of(User user) {
-		return UserAccountResponseDTO.builder()
-			.id(user.getId())
-			.accountInfo(getUserAccount(user))
-			.build();
-	}
+    public static UserAccountResponseDTO of(User user) {
+        return UserAccountResponseDTO.builder()
+                .id(user.getId())
+                .transferInfo(getUserTransferInfo(user))
+                .build();
+    }
 
-	private static AccountInfo getUserAccount(User user) {
-		return nonNull(user.getAccount()) ? user.getAccount() : null;
-	}
+    private static TransferInfo getUserTransferInfo(User user) {
+        return nonNull(user.getTransferInfo()) ? user.getTransferInfo() : null;
+    }
 }
diff --git a/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateRequestDTO.java b/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateRequestDTO.java
index e35b39a..a765780 100644
--- a/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateRequestDTO.java
+++ b/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateRequestDTO.java
@@ -1,17 +1,16 @@
 package com.sopterm.makeawish.dto.wish;
 
+import com.sopterm.makeawish.domain.user.TransferInfo;
 import lombok.Builder;
 
 @Builder
 public record UserWishUpdateRequestDTO(
 	String startDate,
 	String endDate,
-	String name,
-	String bankName,
-	String account,
 	String imageUrl,
 	String title,
 	boolean wantsGift,
-	String kakaoPayCode
+	String hint,
+	TransferInfo transferInfo
 ) {
 }
diff --git a/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateResponseDTO.java b/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateResponseDTO.java
index 489da3f..0eb6b5c 100644
--- a/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateResponseDTO.java
+++ b/src/main/java/com/sopterm/makeawish/dto/wish/UserWishUpdateResponseDTO.java
@@ -1,31 +1,34 @@
 package com.sopterm.makeawish.dto.wish;
 
-import static java.util.Objects.*;
-
-import com.sopterm.makeawish.domain.user.AccountInfo;
 import com.sopterm.makeawish.domain.user.User;
+import com.sopterm.makeawish.domain.user.TransferInfo;
 import com.sopterm.makeawish.domain.wish.Wish;
 import com.sopterm.makeawish.domain.wish.WishStatus;
-
 import lombok.Builder;
 
+import static java.util.Objects.nonNull;
+
 @Builder
 public record UserWishUpdateResponseDTO(
-	String startDate,
-	String endDate,
-	AccountInfo accountInfo,
-	String imageUrl,
-	String title,
-	WishStatus status
+        String startDate,
+        String endDate,
+        TransferInfo transferInfo,
+        String imageUrl,
+        String title,
+        WishStatus status,
+        String hint,
+        boolean wantsGift
 ) {
-	public static UserWishUpdateResponseDTO of(User user, Wish wish) {
-		return UserWishUpdateResponseDTO.builder()
-			.startDate(wish.getStartAt().toString())
-			.endDate(wish.getEndAt().toString())
-			.accountInfo(nonNull(user.getAccount()) ? user.getAccount() : null)
-			.imageUrl(wish.getPresentImageUrl())
-			.title(wish.getTitle())
-			.status(wish.getStatus(0))
-			.build();
-	}
+    public static UserWishUpdateResponseDTO of(User user, Wish wish) {
+        return UserWishUpdateResponseDTO.builder()
+                .startDate(wish.getStartAt().toString())
+                .endDate(wish.getEndAt().toString())
+                .transferInfo(nonNull(user.getTransferInfo()) ? user.getTransferInfo() : null)
+                .imageUrl(wish.getPresentImageUrl())
+                .title(wish.getTitle())
+                .status(wish.getStatus(0))
+                .hint(wish.getHint())
+                .wantsGift(wish.isWantsGift())
+                .build();
+    }
 }
diff --git a/src/main/java/com/sopterm/makeawish/dto/wish/WishResponseDTO.java b/src/main/java/com/sopterm/makeawish/dto/wish/WishResponseDTO.java
index 595a5fe..61ef721 100644
--- a/src/main/java/com/sopterm/makeawish/dto/wish/WishResponseDTO.java
+++ b/src/main/java/com/sopterm/makeawish/dto/wish/WishResponseDTO.java
@@ -1,41 +1,37 @@
 package com.sopterm.makeawish.dto.wish;
 
-import static com.sopterm.makeawish.common.message.ErrorMessage.*;
-import static java.util.Objects.*;
+import com.sopterm.makeawish.domain.user.TransferInfo;
+import com.sopterm.makeawish.domain.wish.Wish;
+import lombok.Builder;
+import lombok.val;
 
 import java.time.LocalDateTime;
 import java.time.temporal.ChronoUnit;
 
-import com.sopterm.makeawish.domain.wish.Wish;
-
-import lombok.*;
-import org.apache.commons.lang3.StringUtils;
+import static com.sopterm.makeawish.common.message.ErrorMessage.EXPIRE_WISH;
 
 @Builder
-public record WishResponseDTO(String name, long dayCount, String title, String hint, String bank, String accountNumber, boolean wantsGift, String presentImageUrl, String kakaoPayCode, boolean forPayCode) {
+public record WishResponseDTO(long dayCount, String title, String hint, boolean wantsGift, String presentImageUrl, TransferInfo transferInfo) {
 
 	public static WishResponseDTO from(Wish wish) {
-		val name = nonNull(wish.getWisher().getAccount())
-			? wish.getWisher().getAccount().getName()
-			: wish.getWisher().getNickname();
-
-		val account = nonNull(wish.getWisher().getAccount())
-				? wish.getWisher().getAccount().getAccount()
-				: StringUtils.EMPTY;
-		val bank = nonNull(wish.getWisher().getAccount())
-				? wish.getWisher().getAccount().getBank()
-				: StringUtils.EMPTY;
-
-		val kakaoPayCode = nonNull(wish.getWisher().getAccount().getKakaoPayCode())
-				? wish.getWisher().getAccount().getKakaoPayCode()
-				: StringUtils.EMPTY;
+//		UserTransferInfo userTransferInfo = wish.getWisher().getUserTransferInfo();
+//		val name = nonNull(userTransferInfo.getAccountInfo().getName())
+//			? userTransferInfo.getAccountInfo().getName()
+//			: wish.getWisher().getNickname();
+//
+//		val account = nonNull(wish.getWisher().getUserTransferInfo().getAccountInfo().getAccount())
+//				? userTransferInfo.getAccountInfo().getAccount()
+//				: StringUtils.EMPTY;
+//		val bank = nonNull(wish.getWisher().getUserTransferInfo().)
+//				? userTransferInfo.getAccount().getBank()
+//				: StringUtils.EMPTY;
+//
+//		val kakaoPayCode = nonNull(wish.getWisher().getAccount().getKakaoPayCode())
+//				? userTransferInfo.getKakaoPayCode()
+//				: StringUtils.EMPTY;
 
 		return WishResponseDTO.builder()
-			.name(name)
-			.accountNumber(account)
-			.bank(bank)
-			.kakaoPayCode(kakaoPayCode)
-			.forPayCode(wish.getWisher().getAccount().isForPayCode())
+			.transferInfo(wish.getWisher().getTransferInfo())
 			.dayCount(getRemainDayCount(wish.getEndAt()))
 			.title(wish.getTitle())
 			.hint(wish.getHint())
diff --git a/src/main/java/com/sopterm/makeawish/service/UserService.java b/src/main/java/com/sopterm/makeawish/service/UserService.java
index 44d39ee..f8c12f2 100644
--- a/src/main/java/com/sopterm/makeawish/service/UserService.java
+++ b/src/main/java/com/sopterm/makeawish/service/UserService.java
@@ -3,6 +3,7 @@
 import com.popbill.api.AccountCheckService;
 import com.popbill.api.PopbillException;
 import com.sopterm.makeawish.domain.abuse.AbuseLog;
+import com.sopterm.makeawish.domain.user.TransferInfo;
 import com.sopterm.makeawish.domain.user.User;
 import com.sopterm.makeawish.dto.user.UserAccountRequestDTO;
 import com.sopterm.makeawish.dto.user.UserAccountResponseDTO;
@@ -39,20 +40,16 @@ public class UserService {
 
     public UserAccountResponseDTO getUserAccount(Long userId) {
         val wisher = getUser(userId);
-        return nonNull(wisher.getAccount()) ? UserAccountResponseDTO.of(wisher) : null;
+        return nonNull(wisher.getTransferInfo().getAccountInfo()) || nonNull(wisher.getTransferInfo().getKakaoPayCode()) ? UserAccountResponseDTO.of(wisher) : null;
     }
 
     @Transactional
     public UserAccountResponseDTO updateUserAccount(Long userId, UserAccountRequestDTO requestDTO) {
         val wisher = getUser(userId);
-        if (isNull(requestDTO.accountInfo())) {
+        if (isNull(requestDTO.kakaoPayCode()) && isNull(requestDTO.accountInfo())) {
             throw new IllegalArgumentException(NO_EXIST_USER_ACCOUNT.getMessage());
         }
-        wisher.updateAccount(
-                requestDTO.accountInfo().getName(),
-                requestDTO.accountInfo().getBank(),
-                requestDTO.accountInfo().getAccount(),
-                requestDTO.accountInfo().getKakaoPayCode());
+        wisher.updateTransferInfo(new TransferInfo(requestDTO));
         return UserAccountResponseDTO.of(wisher);
     }
 
diff --git a/src/main/java/com/sopterm/makeawish/service/WishService.java b/src/main/java/com/sopterm/makeawish/service/WishService.java
index 948ea79..e3934cf 100644
--- a/src/main/java/com/sopterm/makeawish/service/WishService.java
+++ b/src/main/java/com/sopterm/makeawish/service/WishService.java
@@ -129,7 +129,8 @@ public UserWishUpdateResponseDTO updateUserMainWish(Long userId, UserWishUpdateR
 		}
 		if (status.equals(BEFORE) || status.equals(WHILE)) {
 			wish.updateContent(request.imageUrl(), request.title(), request.wantsGift());
-			wisher.updateProfile(request.name(), request.bankName(), request.account(), request.kakaoPayCode());
+			wisher.updateProfile(request.transferInfo());
+
 		}
 
 		return UserWishUpdateResponseDTO.of(wisher, wish);