diff --git a/extensions/imessage/src/setup-core.ts b/extensions/imessage/src/setup-core.ts
index 875d29e6f66..96aa0f08172 100644
--- a/extensions/imessage/src/setup-core.ts
+++ b/extensions/imessage/src/setup-core.ts
@@ -111,38 +111,44 @@ export const imessageDmPolicy = {
   channel,
   policyKey: "channels.imessage.dmPolicy",
   allowFromKey: "channels.imessage.allowFrom",
-  resolveConfigKeys: (_cfg: OpenClawConfig, accountId?: string) =>
-    accountId && accountId !== resolveDefaultIMessageAccountId(_cfg)
+  resolveConfigKeys: (_cfg: OpenClawConfig, accountId?: string) => {
+    const targetAccountId = accountId ?? resolveDefaultIMessageAccountId(_cfg);
+    return targetAccountId !== "default"
       ? {
-          policyKey: `channels.imessage.accounts.${accountId}.dmPolicy`,
-          allowFromKey: `channels.imessage.accounts.${accountId}.allowFrom`,
+          policyKey: `channels.imessage.accounts.${targetAccountId}.dmPolicy`,
+          allowFromKey: `channels.imessage.accounts.${targetAccountId}.allowFrom`,
         }
       : {
           policyKey: "channels.imessage.dmPolicy",
           allowFromKey: "channels.imessage.allowFrom",
-        },
-  getCurrent: (cfg: OpenClawConfig, accountId?: string) =>
-    resolveIMessageAccount({ cfg, accountId }).config.dmPolicy ?? "pairing",
+        };
+  },
+  getCurrent: (cfg: OpenClawConfig, accountId?: string) => {
+    const targetAccountId = accountId ?? resolveDefaultIMessageAccountId(cfg);
+    return resolveIMessageAccount({ cfg, accountId: targetAccountId }).config.dmPolicy ?? "pairing";
+  },
   setPolicy: (
     cfg: OpenClawConfig,
     policy: "pairing" | "allowlist" | "open" | "disabled",
     accountId?: string,
-  ) =>
-    patchChannelConfigForAccount({
+  ) => {
+    const targetAccountId = accountId ?? resolveDefaultIMessageAccountId(cfg);
+    return patchChannelConfigForAccount({
       cfg,
       channel,
-      accountId: accountId ?? resolveDefaultIMessageAccountId(cfg),
+      accountId: targetAccountId,
       patch:
         policy === "open"
           ? {
               dmPolicy: "open",
               allowFrom: mergeAllowFromEntries(
-                resolveIMessageAccount({ cfg, accountId }).config.allowFrom,
+                resolveIMessageAccount({ cfg, accountId: targetAccountId }).config.allowFrom,
                 ["*"],
               ),
             }
           : { dmPolicy: policy },
-    }),
+    });
+  },
   promptAllowFrom: promptIMessageAllowFrom,
 };
 
@@ -186,17 +192,12 @@ export const imessageSetupStatusBase = {
   unconfiguredHint: "imsg missing",
   configuredScore: 1,
   unconfiguredScore: 0,
-  resolveConfigured: ({
-    cfg,
-    accountId,
-  }: {
-    cfg: OpenClawConfig;
-    accountId?: string;
-  }) =>
+  resolveConfigured: ({ cfg, accountId }: { cfg: OpenClawConfig; accountId?: string }) =>
     accountId
       ? resolveIMessageAccount({ cfg, accountId }).configured
-      : listIMessageAccountIds(cfg).some((listedAccountId) =>
-          resolveIMessageAccount({ cfg, accountId: listedAccountId }).configured,
+      : listIMessageAccountIds(cfg).some(
+          (listedAccountId) =>
+            resolveIMessageAccount({ cfg, accountId: listedAccountId }).configured,
         ),
 };
 
diff --git a/extensions/imessage/src/targets.test.ts b/extensions/imessage/src/targets.test.ts
index a909109e8b5..5eda105a54e 100644
--- a/extensions/imessage/src/targets.test.ts
+++ b/extensions/imessage/src/targets.test.ts
@@ -2,16 +2,16 @@ import * as processRuntime from "openclaw/plugin-sdk/process-runtime";
 import * as setupRuntime from "openclaw/plugin-sdk/setup";
 import { beforeEach, describe, expect, it, vi } from "vitest";
 import { createPluginSetupWizardStatus } from "../../../test/helpers/plugins/setup-wizard.js";
-import * as clientModule from "./client.js";
 import { imessagePlugin } from "./channel.js";
 import * as channelRuntimeModule from "./channel.runtime.js";
+import * as clientModule from "./client.js";
 import {
   resolveIMessageGroupRequireMention,
   resolveIMessageGroupToolPolicy,
 } from "./group-policy.js";
 import { probeIMessage } from "./probe.js";
-import { parseIMessageAllowFromEntries } from "./setup-surface.js";
 import { imessageDmPolicy } from "./setup-core.js";
+import { parseIMessageAllowFromEntries } from "./setup-surface.js";
 import {
   formatIMessageChatTarget,
   inferIMessageTargetChatType,
@@ -236,6 +236,37 @@ describe("parseIMessageAllowFromEntries", () => {
     expect(next.channels?.imessage?.accounts?.work?.dmPolicy).toBe("open");
     expect(next.channels?.imessage?.accounts?.work?.allowFrom).toEqual(["+15555550123", "*"]);
   });
+
+  it("uses the configured default account for omitted-account DM policy reads, keys, and writes", () => {
+    const cfg = {
+      channels: {
+        imessage: {
+          allowFrom: ["+15555550123"],
+          defaultAccount: "work",
+          accounts: {
+            work: {
+              cliPath: "imsg",
+              dmPolicy: "allowlist" as const,
+              allowFrom: ["chat_id:123"],
+            },
+          },
+        },
+      },
+    };
+
+    expect(imessageDmPolicy.getCurrent(cfg)).toBe("allowlist");
+    expect(imessageDmPolicy.resolveConfigKeys?.(cfg)).toEqual({
+      policyKey: "channels.imessage.accounts.work.dmPolicy",
+      allowFromKey: "channels.imessage.accounts.work.allowFrom",
+    });
+
+    const next = imessageDmPolicy.setPolicy(cfg, "open");
+
+    expect(next.channels?.imessage?.dmPolicy).toBeUndefined();
+    expect(next.channels?.imessage?.allowFrom).toEqual(["+15555550123"]);
+    expect(next.channels?.imessage?.accounts?.work?.dmPolicy).toBe("open");
+    expect(next.channels?.imessage?.accounts?.work?.allowFrom).toEqual(["chat_id:123", "*"]);
+  });
 });
 
 describe("imessage setup status", () => {