diff --git a/src/channels/plugins/account-helpers.test.ts b/src/channels/plugins/account-helpers.test.ts
new file mode 100644
index 00000000000..121aed38f9b
--- /dev/null
+++ b/src/channels/plugins/account-helpers.test.ts
@@ -0,0 +1,71 @@
+import { describe, expect, it } from "vitest";
+import type { OpenClawConfig } from "../../config/config.js";
+import { createAccountListHelpers } from "./account-helpers.js";
+
+const { listConfiguredAccountIds, listAccountIds, resolveDefaultAccountId } =
+  createAccountListHelpers("testchannel");
+
+function cfg(accounts?: Record<string, unknown> | null): OpenClawConfig {
+  if (accounts === null) {
+    return { channels: { testchannel: {} } } as unknown as OpenClawConfig;
+  }
+  if (accounts === undefined) {
+    return {} as unknown as OpenClawConfig;
+  }
+  return { channels: { testchannel: { accounts } } } as unknown as OpenClawConfig;
+}
+
+describe("createAccountListHelpers", () => {
+  describe("listConfiguredAccountIds", () => {
+    it("returns empty for missing config", () => {
+      expect(listConfiguredAccountIds({} as OpenClawConfig)).toEqual([]);
+    });
+
+    it("returns empty when no accounts key", () => {
+      expect(listConfiguredAccountIds(cfg(null))).toEqual([]);
+    });
+
+    it("returns empty for empty accounts object", () => {
+      expect(listConfiguredAccountIds(cfg({}))).toEqual([]);
+    });
+
+    it("filters out empty keys", () => {
+      expect(listConfiguredAccountIds(cfg({ "": {}, a: {} }))).toEqual(["a"]);
+    });
+
+    it("returns account keys", () => {
+      expect(listConfiguredAccountIds(cfg({ work: {}, personal: {} }))).toEqual([
+        "work",
+        "personal",
+      ]);
+    });
+  });
+
+  describe("listAccountIds", () => {
+    it('returns ["default"] for empty config', () => {
+      expect(listAccountIds({} as OpenClawConfig)).toEqual(["default"]);
+    });
+
+    it('returns ["default"] for empty accounts', () => {
+      expect(listAccountIds(cfg({}))).toEqual(["default"]);
+    });
+
+    it("returns sorted ids", () => {
+      expect(listAccountIds(cfg({ z: {}, a: {}, m: {} }))).toEqual(["a", "m", "z"]);
+    });
+  });
+
+  describe("resolveDefaultAccountId", () => {
+    it('returns "default" when present', () => {
+      expect(resolveDefaultAccountId(cfg({ default: {}, other: {} }))).toBe("default");
+    });
+
+    it("returns first sorted id when no default", () => {
+      expect(resolveDefaultAccountId(cfg({ beta: {}, alpha: {} }))).toBe("alpha");
+    });
+
+    it('returns "default" for empty config', () => {
+      expect(resolveDefaultAccountId({} as OpenClawConfig)).toBe("default");
+    });
+  });
+});
diff --git a/src/channels/plugins/account-helpers.ts b/src/channels/plugins/account-helpers.ts
new file mode 100644
index 00000000000..406faa44f0c
--- /dev/null
+++ b/src/channels/plugins/account-helpers.ts
@@ -0,0 +1,31 @@
+import type { OpenClawConfig } from "../../config/config.js";
+import { DEFAULT_ACCOUNT_ID } from "../../routing/session-key.js";
+
+export function createAccountListHelpers(channelKey: string) {
+  function listConfiguredAccountIds(cfg: OpenClawConfig): string[] {
+    const channel = cfg.channels?.[channelKey];
+    const accounts = (channel as Record<string, unknown> | undefined)?.accounts;
+    if (!accounts || typeof accounts !== "object") {
+      return [];
+    }
+    return Object.keys(accounts as Record<string, unknown>).filter(Boolean);
+  }
+
+  function listAccountIds(cfg: OpenClawConfig): string[] {
+    const ids = listConfiguredAccountIds(cfg);
+    if (ids.length === 0) {
+      return [DEFAULT_ACCOUNT_ID];
+    }
+    return ids.toSorted((a, b) => a.localeCompare(b));
+  }
+
+  function resolveDefaultAccountId(cfg: OpenClawConfig): string {
+    const ids = listAccountIds(cfg);
+    if (ids.includes(DEFAULT_ACCOUNT_ID)) {
+      return DEFAULT_ACCOUNT_ID;
+    }
+    return ids[0] ?? DEFAULT_ACCOUNT_ID;
+  }
+
+  return { listConfiguredAccountIds, listAccountIds, resolveDefaultAccountId };
+}
diff --git a/src/plugin-sdk/index.ts b/src/plugin-sdk/index.ts
index 9e1dfd73d8a..b801863f0f4 100644
--- a/src/plugin-sdk/index.ts
+++ b/src/plugin-sdk/index.ts
@@ -1,3 +1,4 @@
+export { createAccountListHelpers } from "../channels/plugins/account-helpers.js";
 export { CHANNEL_MESSAGE_ACTION_NAMES } from "../channels/plugins/message-action-names.js";
 export {
   BLUEBUBBLES_ACTIONS,