diff --git a/apps/meteor/tests/e2e/account-totp.spec.ts b/apps/meteor/tests/e2e/account-totp.spec.ts
new file mode 100644
index 0000000000000..45271fc75c08f
--- /dev/null
+++ b/apps/meteor/tests/e2e/account-totp.spec.ts
@@ -0,0 +1,93 @@
+import { Users } from './fixtures/userStates';
+import { test, expect } from './utils/test';
+
+// We mock the REST `method.call` response instead of registering a real
+// Meteor method that requires 2FA: there isn't one in the codebase right now
+// (every twoFactorRequired/`requireSecondFactor: true` user-facing surface is
+// a typed REST endpoint), and the bug we're guarding against lives inside
+// `ddpOverREST`'s `.catch` — a unit-style server fixture exercises it more
+// reliably than wiring up TOTP for a real account.
+test.use({ storageState: Users.admin.state });
+
+const METHOD_NAME = 'rc-test-totp-flow';
+
+test.describe('account-totp ddpOverREST preserves the totp-required error', () => {
+	test('opens the TOTP modal when the REST envelope carries a `totp-required` DDP frame, and resolves on retry', async ({ page }) => {
+		await page.goto('/home');
+		await expect(page.getByRole('main')).toBeVisible();
+
+		let calls = 0;
+		await page.route(`**/api/v1/method.call/${METHOD_NAME}`, async (route) => {
+			calls += 1;
+			const body = JSON.parse(route.request().postData() ?? '{}');
+			const message = JSON.parse(body.message);
+			const lastParam = message.params[message.params.length - 1];
+			const hasTotp = lastParam && typeof lastParam === 'object' && lastParam.twoFactorCode && lastParam.twoFactorMethod === 'totp';
+
+			if (!hasTotp) {
+				// First leg: server demands a TOTP code. The body is shaped exactly
+				// like `mountResult({ id, error })` in app/api/server/v1/misc.ts —
+				// `message` is a DDP-encoded `result` frame whose `error.error`
+				// carries the original `totp-required` code. The bug under test
+				// rebuilt this envelope as `error: 'unknown'` and the 2FA modal
+				// never opened.
+				await route.fulfill({
+					status: 400,
+					contentType: 'application/json',
+					body: JSON.stringify({
+						success: false,
+						message: JSON.stringify({
+							msg: 'result',
+							id: message.id,
+							error: {
+								isClientSafe: true,
+								error: 'totp-required',
+								reason: 'TOTP Required',
+								message: 'TOTP Required [totp-required]',
+								errorType: 'Meteor.Error',
+								details: { method: 'totp', availableMethods: ['totp'] },
+							},
+						}),
+					}),
+				});
+				return;
+			}
+
+			// Second leg: client retried with the code; respond success.
+			await route.fulfill({
+				status: 200,
+				contentType: 'application/json',
+				body: JSON.stringify({
+					success: true,
+					message: JSON.stringify({
+						msg: 'result',
+						id: message.id,
+						result: { ok: true, code: lastParam.twoFactorCode },
+					}),
+				}),
+			});
+		});
+
+		// Drive the call from the page so it goes through Meteor.callAsync →
+		// withAsyncTOTP → ddpOverREST → process2faAsyncReturn — the exact path
+		// where the catch handler used to drop `error: 'totp-required'` and the
+		// TOTP modal therefore never opened.
+		await page.evaluate((method) => {
+			(window as any).__totpCallResult = (window as any).Meteor.callAsync(method)
+				.then((value: unknown) => ({ ok: true, value }))
+				.catch((err: unknown) => ({ ok: false, error: String((err as Error)?.message ?? err) }));
+		}, METHOD_NAME);
+
+		const totpModal = page.getByRole('dialog', { name: 'Enter TOTP password' });
+		await expect(totpModal).toBeVisible({ timeout: 10_000 });
+
+		await totpModal.getByPlaceholder('Enter code here').fill('123456');
+		await totpModal.getByRole('button', { name: 'Verify' }).click();
+
+		await expect(totpModal).toBeHidden();
+
+		const result = await page.evaluate(() => (window as any).__totpCallResult);
+		expect(result).toEqual({ ok: true, value: { ok: true, code: '123456' } });
+		expect(calls).toBe(2);
+	});
+});