diff --git a/apps/web/src/lib/organizations/organizations.test.ts b/apps/web/src/lib/organizations/organizations.test.ts
index a67d50a5c0..78e6ef36f9 100644
--- a/apps/web/src/lib/organizations/organizations.test.ts
+++ b/apps/web/src/lib/organizations/organizations.test.ts
@@ -7,6 +7,7 @@ import {
   organization_membership_removals,
   organization_seats_purchases,
   organization_user_limits,
+  kilocode_users,
 } from '@kilocode/db/schema';
 import { insertTestUser } from '@/tests/helpers/user.helper';
 import { eq, and } from 'drizzle-orm';
@@ -1597,6 +1598,55 @@ describe('Organizations', () => {
         expect(storedInvitation?.accepted_at).not.toBeNull();
       });
 
+      test('disables the personal account when the account was created after the invite', async () => {
+        const owner = await insertTestUser();
+        const invitee = await insertTestUser();
+        const organization = await createOrganization('Test Org', owner.id);
+
+        const invitation = await inviteUserToOrganization(
+          organization.id,
+          owner.id,
+          invitee.google_user_email,
+          'member'
+        );
+        // Simulate a brand-new account created to accept an already-pending invite.
+        await db
+          .update(organization_invitations)
+          .set({ created_at: sql`NOW() - INTERVAL '1 hour'` })
+          .where(eq(organization_invitations.id, invitation.id));
+
+        const result = await acceptOrganizationInvite(invitee.id, invitation.token);
+        expect(result.success).toBe(true);
+
+        const updatedInvitee = await db.query.kilocode_users.findFirst({
+          where: eq(kilocode_users.id, invitee.id),
+        });
+        expect(updatedInvitee?.personal_account_disabled).toBe(true);
+      });
+
+      test('leaves the personal account untouched when the account predates the invite', async () => {
+        const owner = await insertTestUser();
+        const invitee = await insertTestUser();
+        const organization = await createOrganization('Test Org', owner.id);
+
+        // The invitation is created after the invitee's account, matching an
+        // existing user who is later invited to an organization.
+        const invitation = await inviteUserToOrganization(
+          organization.id,
+          owner.id,
+          invitee.google_user_email,
+          'member'
+        );
+
+        const result = await acceptOrganizationInvite(invitee.id, invitation.token);
+        expect(result.success).toBe(true);
+
+        const updatedInvitee = await db.query.kilocode_users.findFirst({
+          where: eq(kilocode_users.id, invitee.id),
+        });
+        expect(updatedInvitee?.personal_account_disabled).toBe(false);
+      });
+
       test('rejects accepting a pre-existing invitation into a child organization', async () => {
         const owner = await insertTestUser();
         const invitee = await insertTestUser({ google_user_email: 'legacy@example.com' });
diff --git a/apps/web/src/lib/organizations/organizations.ts b/apps/web/src/lib/organizations/organizations.ts
index 25ba7c4e59..c78788c645 100644
--- a/apps/web/src/lib/organizations/organizations.ts
+++ b/apps/web/src/lib/organizations/organizations.ts
@@ -692,6 +692,7 @@ export async function acceptOrganizationInvite(
         .select({
           email: kilocode_users.google_user_email,
           normalizedEmail: kilocode_users.normalized_email,
+          createdAt: kilocode_users.created_at,
         })
         .from(kilocode_users)
         .where(eq(kilocode_users.id, userId))
@@ -781,6 +782,19 @@ export async function acceptOrganizationInvite(
         invited_by: invitation.invited_by,
       });
 
+      // If the invitation predates the account, the account was created after
+      // (i.e. because of) a pending invite: this is a brand-new user joining an
+      // organization via invite, so disable their personal account. Existing
+      // users — whose account predates the invitation — keep their value.
+      const accountCreatedForInvite =
+        new Date(invitation.created_at).getTime() < new Date(acceptingUser.createdAt).getTime();
+      if (accountCreatedForInvite) {
+        await tx
+          .update(kilocode_users)
+          .set({ personal_account_disabled: true })
+          .where(eq(kilocode_users.id, userId));
+      }
+
       // Clear any previous removal record so the user isn't treated as "removed"
       // by subsequent webhook events (Subscription Lifecycle 2)
       await tx