diff --git a/fints4k/src/commonMain/kotlin/net/dankito/banking/client/model/parameter/TransferMoneyParameter.kt b/fints4k/src/commonMain/kotlin/net/dankito/banking/client/model/parameter/TransferMoneyParameter.kt
index 71d6e2ed..ccb9f1ac 100644
--- a/fints4k/src/commonMain/kotlin/net/dankito/banking/client/model/parameter/TransferMoneyParameter.kt
+++ b/fints4k/src/commonMain/kotlin/net/dankito/banking/client/model/parameter/TransferMoneyParameter.kt
@@ -1,6 +1,7 @@
 package net.dankito.banking.client.model.parameter
 
 import net.dankito.banking.client.model.BankAccountIdentifier
+import net.dankito.banking.fints.model.AccountData
 import net.dankito.banking.fints.model.BankData
 import net.dankito.banking.fints.model.Money
 import net.dankito.banking.fints.model.TanMethodType
@@ -35,6 +36,8 @@ open class TransferMoneyParameter(
   preferredTanMethods: List<TanMethodType>? = null,
   preferredTanMedium: String? = null,
   abortIfTanIsRequired: Boolean = false,
-  finTsModel: BankData? = null
+  finTsModel: BankData? = null,
+
+  open val selectAccountToUseForTransfer: ((List<AccountData>) -> AccountData?)? = null // TODO: use BankAccount instead of AccountData
 
 ) : FinTsClientParameter(bankCode, loginName, password, preferredTanMethods, preferredTanMedium, abortIfTanIsRequired, finTsModel)
\ No newline at end of file
diff --git a/fints4k/src/commonMain/kotlin/net/dankito/banking/fints/FinTsClient.kt b/fints4k/src/commonMain/kotlin/net/dankito/banking/fints/FinTsClient.kt
index b8c31123..6211f4ba 100644
--- a/fints4k/src/commonMain/kotlin/net/dankito/banking/fints/FinTsClient.kt
+++ b/fints4k/src/commonMain/kotlin/net/dankito/banking/fints/FinTsClient.kt
@@ -147,13 +147,23 @@ open class FinTsClient @JvmOverloads constructor(
 
   protected open suspend fun transferMoneyAsync(param: TransferMoneyParameter, recipientBankIdentifier: String, bank: BankData, accounts: List<AccountData>, previousJobResponse: FinTsClientResponse?): TransferMoneyResponse {
     val accountsSupportingTransfer = accounts.filter { it.supportsTransferringMoney }
+    val accountToUse: AccountData
+
     if (accountsSupportingTransfer.isEmpty()) {
       return TransferMoneyResponse(ErrorCode.NoAccountSupportsMoneyTransfer, "None of the accounts $accounts supports money transfer", previousJobResponse?.messageLogWithoutSensitiveData ?: listOf(), bank)
-    } else if (accountsSupportingTransfer.size > 1) {
-      return TransferMoneyResponse(ErrorCode.MoreThanOneAccountSupportsMoneyTransfer, "More than one of the accounts $accountsSupportingTransfer supports money transfer, so we cannot clearly determine which one to use for this transfer", previousJobResponse?.messageLogWithoutSensitiveData ?: listOf(), bank)
+    } else if (accountsSupportingTransfer.size == 1) {
+      accountToUse = accountsSupportingTransfer.first()
+    } else {
+      val selectedAccount = param.selectAccountToUseForTransfer?.invoke(accountsSupportingTransfer)
+
+      if (selectedAccount == null) {
+        return TransferMoneyResponse(ErrorCode.MoreThanOneAccountSupportsMoneyTransfer, "More than one of the accounts $accountsSupportingTransfer supports money transfer, so we cannot clearly determine which one to use for this transfer", previousJobResponse?.messageLogWithoutSensitiveData ?: listOf(), bank)
+      }
+
+      accountToUse = selectedAccount
     }
 
-    val context = JobContext(JobContextType.TransferMoney, this.callback, product, bank, accountsSupportingTransfer.first())
+    val context = JobContext(JobContextType.TransferMoney, this.callback, product, bank, accountToUse)
 
     val response = jobExecutor.transferMoneyAsync(context, BankTransferData(param.recipientName, param.recipientAccountIdentifier, recipientBankIdentifier,
       param.amount, param.reference, param.instantPayment))
diff --git a/fints4k/src/nativeMain/kotlin/commands/TransferMoneyCommand.kt b/fints4k/src/nativeMain/kotlin/commands/TransferMoneyCommand.kt
index f9d42e27..33bb7e59 100644
--- a/fints4k/src/nativeMain/kotlin/commands/TransferMoneyCommand.kt
+++ b/fints4k/src/nativeMain/kotlin/commands/TransferMoneyCommand.kt
@@ -5,6 +5,7 @@ import com.github.ajalt.clikt.core.requireObject
 import com.github.ajalt.clikt.parameters.arguments.argument
 import com.github.ajalt.clikt.parameters.options.option
 import net.dankito.banking.client.model.parameter.TransferMoneyParameter
+import net.dankito.banking.fints.model.AccountData
 import net.dankito.banking.fints.model.Amount
 import net.dankito.banking.fints.model.Currency
 import net.dankito.banking.fints.model.Money
@@ -16,7 +17,7 @@ class TransferMoneyCommand : CliktCommand("Transfers money from your account to
   val recipientAccountIdentifier by argument("Recipient account identifier", "In den meisten Fällen die IBAN des Empfängers")
   val amount by argument("Amount", "The amount to transfer to recipient")
 
-  val reference by argument("Reference", "Verwendungszweck. Max. 160 Zeichen, keine Sonderzeichen wie Umlaute etc.")
+  val reference by argument("Reference", "Verwendungszweck (optional). Max. 160 Zeichen, keine Sonderzeichen wie Umlaute etc.")
   val recipientBankIdentifier by option("-b", "--bic", help = "Recipient's Bank Identifier, in most cases the BIC. Muss nur für Auslands-Überweisungen angegeben werden. Für deutsche Banken kann die BIC aus der IBAN abgeleitet werden.")
 
 
@@ -30,7 +31,31 @@ class TransferMoneyCommand : CliktCommand("Transfers money from your account to
 
 
     app.transferMoney(TransferMoneyParameter(bankCode, loginName, password, null, recipientName, recipientAccountIdentifier, recipientBankIdentifier,
-      Money(Amount(amount), Currency.DefaultCurrencyCode), reference, false, preferredTanMethods, abortIfTanIsRequired = abortIfRequiresTan))
+      Money(Amount(amount), Currency.DefaultCurrencyCode), reference, false, preferredTanMethods, abortIfTanIsRequired = abortIfRequiresTan,
+      selectAccountToUseForTransfer = { accounts ->
+      selectAccountToUseForTransfer(accounts)
+    }))
+  }
+
+  private fun selectAccountToUseForTransfer(accounts: List<AccountData>): AccountData? {
+    println("There are multiple accounts that support money transfer. Which one would you like to use?")
+    println()
+
+    accounts.forEachIndexed { index, account ->
+      println("[${index + 1}] $account")
+    }
+
+    println()
+    print("Enter the index of the account: ")
+    readLine()?.toIntOrNull()?.let { selectedIndex ->
+      if (selectedIndex > 0 && (selectedIndex - 1) < accounts.size) {
+        return accounts[selectedIndex - 1]
+      }
+    }
+
+    println("Not a valid index entered. Valid indices are 1 - ${accounts.size}") // TODO: print this + "or enter an empty string to cancel" and loop for valid input?
+
+    return null
   }
 
 }
\ No newline at end of file