diff --git a/static/js/index.js b/static/js/index.js
index dbc5bcd..8ca62b4 100644
--- a/static/js/index.js
+++ b/static/js/index.js
@@ -405,7 +405,7 @@ window.app = Vue.createApp({
       try {
         const response = await LNbits.api.request(
           'GET',
-          '/castle/api/v1/accounts',
+          '/castle/api/v1/accounts?filter_by_user=true&exclude_virtual=true',
           this.g.user.wallets[0].inkey
         )
         this.accounts = response.data
diff --git a/views_api.py b/views_api.py
index 0dddb26..0964996 100644
--- a/views_api.py
+++ b/views_api.py
@@ -130,21 +130,27 @@ async def api_get_currencies() -> list[str]:
 @castle_api_router.get("/api/v1/accounts")
 async def api_get_accounts(
     filter_by_user: bool = False,
+    exclude_virtual: bool = True,
     wallet: WalletTypeInfo = Depends(require_invoice_key),
 ) -> list[Account] | list[AccountWithPermissions]:
     """
     Get all accounts in the chart of accounts.
 
     - filter_by_user: If true, only return accounts the user has permissions for
+    - exclude_virtual: If true, exclude virtual parent accounts (default True)
     - Returns AccountWithPermissions objects when filter_by_user=true, otherwise Account objects
     """
     all_accounts = await get_all_accounts()
 
     if not filter_by_user:
-        # Return all accounts without filtering
+        # Filter out virtual accounts if requested (default behavior for user views)
+        if exclude_virtual:
+            all_accounts = [acc for acc in all_accounts if not acc.is_virtual]
+        # Return all accounts without filtering by permissions
         return all_accounts
 
     # Filter by user permissions
+    # NOTE: Do NOT filter out virtual accounts yet - they're needed for inheritance logic
     user_id = wallet.wallet.user
     user_permissions = await get_user_permissions(user_id)
 
@@ -160,10 +166,14 @@ async def api_get_accounts(
             perm for perm in user_permissions if perm.account_id == account.id
         ]
 
-        # Check if user has inherited permission from parent account
-        inherited_perms = await get_user_permissions_with_inheritance(
-            user_id, account.name, PermissionType.READ
-        )
+        # Check if user has inherited permission from parent account (any permission type)
+        # Try each permission type to see if user has inherited access
+        inherited_perms = []
+        for perm_type in [PermissionType.READ, PermissionType.SUBMIT_EXPENSE, PermissionType.MANAGE]:
+            perms = await get_user_permissions_with_inheritance(
+                user_id, account.name, perm_type
+            )
+            inherited_perms.extend(perms)
 
         # Determine if account should be included
         has_access = bool(account_perms) or bool(inherited_perms)
@@ -197,6 +207,8 @@ async def api_get_accounts(
                     description=account.description,
                     user_id=account.user_id,
                     created_at=account.created_at,
+                    is_active=account.is_active,
+                    is_virtual=account.is_virtual,
                     user_permissions=permission_types if permission_types else None,
                     inherited_from=inherited_from,
                     parent_account=parent_account,
@@ -205,6 +217,12 @@ async def api_get_accounts(
                 )
             )
 
+    # Filter out virtual accounts if requested (after permission inheritance logic)
+    if exclude_virtual:
+        accounts_with_permissions = [
+            acc for acc in accounts_with_permissions if not acc.is_virtual
+        ]
+
     return accounts_with_permissions