diff --git a/jey_wizard/__init__.py b/jey_wizard/__init__.py
index f1380ee..9cb17e7 100644
--- a/jey_wizard/__init__.py
+++ b/jey_wizard/__init__.py
@@ -1 +1 @@
-__version__ = "0.1.7"
+__version__ = "0.1.8"
diff --git a/jey_wizard/etaxes.py b/jey_wizard/etaxes.py
index b781592..b64d448 100644
--- a/jey_wizard/etaxes.py
+++ b/jey_wizard/etaxes.py
@@ -303,12 +303,15 @@ def _materialize_native_banks(company):
 
 	created = 0
 	skipped_closed = 0
+	created_gl_names = []
 	for acc in accounts:
 		if (acc.get("status") or "").upper() == "C":
 			skipped_closed += 1
 			continue
 		try:
-			_materialize_one_bank(company, parent, acc)
+			gl = _materialize_one_bank(company, parent, acc)
+			if gl:
+				created_gl_names.append(gl)
 			created += 1
 		except Exception as exc:
 			frappe.log_error(
@@ -316,6 +319,7 @@ def _materialize_native_banks(company):
 				"Jey Wizard materialize (bank native)",
 			)
 
+	_repoint_company_default_bank(company, created_gl_names)
 	_delete_bank_placeholders(company, parent)
 	frappe.db.commit()
 	# Success breadcrumb in Error Log so we can verify end-to-end run from the same
@@ -352,13 +356,14 @@ def _find_bank_parent_account(company):
 def _materialize_one_bank(company, parent_account, row):
 	# Accepts either the raw e-taxes payload shape (bankName/number/type…) or
 	# the E-Taxes Bank Account doctype shape (bank_name/number/account_type).
+	# Returns the GL account name on success (used by the caller to repoint
+	# Company.default_bank_account before deleting placeholders), None otherwise.
 	bank_name = (row.get("bankName") or row.get("bank_name") or "").strip()
 	iban = (row.get("number") or "").strip()
 	currency = (row.get("currency") or "").strip() or "AZN"
-	etx_account_type = (row.get("type") or row.get("account_type") or "").strip()
 
 	if not bank_name or not iban:
-		return
+		return None
 
 	# 1. Bank (global, unique on bank_name)
 	if not frappe.db.exists("Bank", bank_name):
@@ -393,6 +398,11 @@ def _materialize_one_bank(company, parent_account, row):
 		{"bank": bank_name, "account_name": account_name, "company": company},
 	)
 	if not ba_exists:
+		# Bank Account.account_type is a Link to the Bank Account Type doctype
+		# (effectively empty on a fresh install). The e-taxes 'type' field is a
+		# numeric code (e.g. "2" for card) that has no Bank Account Type row to
+		# match — populating it raises "Hesab Növü: 2 tapılmadı" on validate.
+		# Field is optional, so just leave it unset.
 		ba_doc = frappe.get_doc({
 			"doctype": "Bank Account",
 			"account_name": account_name,
@@ -402,10 +412,33 @@ def _materialize_one_bank(company, parent_account, row):
 			"is_company_account": 1,
 			"bank_account_no": iban,
 			"iban": iban,
-			"account_type": etx_account_type or None,
 		})
 		ba_doc.insert(ignore_permissions=True)
 
+	return gl_name
+
+
+def _repoint_company_default_bank(company, created_gl_names):
+	"""ERPNext's setup_company → set_default_accounts picks the first
+	account_type='Bank' Account it finds and writes it to
+	Company.default_bank_account. On a fresh AZ-CoA install that's a placeholder
+	(223.1 - AZN AZXX… - JS), and _delete_bank_placeholders then can't delete it
+	(LinkExistsError pointing back at Company). Repoint the default to the first
+	real bank GL we just created so the placeholder is free to remove.
+
+	Only repoints when the current value is unset or matches the placeholder
+	pattern — never overwrites a value the user explicitly set.
+	"""
+	if not created_gl_names:
+		return
+	current = frappe.db.get_value("Company", company, "default_bank_account")
+	if current and "XXXX" not in current:
+		return
+	frappe.db.set_value(
+		"Company", company, "default_bank_account",
+		created_gl_names[0], update_modified=False,
+	)
+
 
 def _delete_bank_placeholders(company, parent_account):
 	"""Remove the stock template accounts from AZ CoA once real banks have been
@@ -431,6 +464,22 @@ def _delete_bank_placeholders(company, parent_account):
 			frappe.delete_doc(
 				"Account", row.name, ignore_permissions=True, delete_permanently=True
 			)
+		except frappe.LinkExistsError:
+			# Some other doc still references this placeholder (e.g. a Company
+			# default field we didn't preempt). Frappe.throw queued a popup
+			# message before raising — clear it so the user doesn't see a
+			# scary error after a successful setup, then disable the account
+			# instead of leaving it active in the chart.
+			frappe.clear_last_message()
+			try:
+				frappe.db.set_value(
+					"Account", row.name, "disabled", 1, update_modified=False
+				)
+			except Exception as exc:
+				frappe.log_error(
+					f"Placeholder disable fallback failed: {row.name}: {exc}",
+					"Jey Wizard materialize (bank placeholder)",
+				)
 		except Exception as exc:
 			frappe.log_error(
 				f"Placeholder delete failed: {row.name}: {exc}",
diff --git a/jey_wizard/public/js/jey_setup.js b/jey_wizard/public/js/jey_setup.js
index 8d5f1aa..c838cf0 100644
--- a/jey_wizard/public/js/jey_setup.js
+++ b/jey_wizard/public/js/jey_setup.js
@@ -10,7 +10,7 @@ frappe.provide("jey_wizard");
 // Bump this string in every commit that changes wizard code. Displayed in the badge so
 // we can tell at a glance which version is actually running on a given machine. Kept in
 // sync with __version__ in jey_wizard/__init__.py.
-const JEY_WIZARD_VERSION = "0.1.7";
+const JEY_WIZARD_VERSION = "0.1.8";
 
 // Wipe Frappe + ERPNext default slides so their `before_load`/`after_load` listeners
 // don't try to mutate a wizard that isn't slide-based anymore.