diff --git a/backend/internal/handler/ops_error_logger.go b/backend/internal/handler/ops_error_logger.go
index cb2fad5d..5fedc139 100644
--- a/backend/internal/handler/ops_error_logger.go
+++ b/backend/internal/handler/ops_error_logger.go
@@ -26,6 +26,21 @@ const (
 	opsStreamKey      = "ops_stream"
 	opsRequestBodyKey = "ops_request_body"
 	opsAccountIDKey   = "ops_account_id"
+
+	// 错误过滤匹配常量 — shouldSkipOpsErrorLog 和错误分类共用
+	opsErrContextCanceled     = "context canceled"
+	opsErrNoAvailableAccounts = "no available accounts"
+	opsErrInvalidAPIKey       = "invalid_api_key"
+	opsErrAPIKeyRequired      = "api_key_required"
+	opsErrInsufficientBalance = "insufficient balance"
+	opsErrInsufficientQuota   = "insufficient_quota"
+
+	// 上游错误码常量 — 错误分类 (normalizeOpsErrorType / classifyOpsPhase / classifyOpsIsBusinessLimited)
+	opsCodeInsufficientBalance  = "INSUFFICIENT_BALANCE"
+	opsCodeUsageLimitExceeded   = "USAGE_LIMIT_EXCEEDED"
+	opsCodeSubscriptionNotFound = "SUBSCRIPTION_NOT_FOUND"
+	opsCodeSubscriptionInvalid  = "SUBSCRIPTION_INVALID"
+	opsCodeUserInactive         = "USER_INACTIVE"
 )
 
 const (
@@ -1024,9 +1039,9 @@ func normalizeOpsErrorType(errType string, code string) string {
 		return errType
 	}
 	switch strings.TrimSpace(code) {
-	case "INSUFFICIENT_BALANCE":
+	case opsCodeInsufficientBalance:
 		return "billing_error"
-	case "USAGE_LIMIT_EXCEEDED", "SUBSCRIPTION_NOT_FOUND", "SUBSCRIPTION_INVALID":
+	case opsCodeUsageLimitExceeded, opsCodeSubscriptionNotFound, opsCodeSubscriptionInvalid:
 		return "subscription_error"
 	default:
 		return "api_error"
@@ -1038,7 +1053,7 @@ func classifyOpsPhase(errType, message, code string) string {
 	// Standardized phases: request|auth|routing|upstream|network|internal
 	// Map billing/concurrency/response => request; scheduling => routing.
 	switch strings.TrimSpace(code) {
-	case "INSUFFICIENT_BALANCE", "USAGE_LIMIT_EXCEEDED", "SUBSCRIPTION_NOT_FOUND", "SUBSCRIPTION_INVALID":
+	case opsCodeInsufficientBalance, opsCodeUsageLimitExceeded, opsCodeSubscriptionNotFound, opsCodeSubscriptionInvalid:
 		return "request"
 	}
 
@@ -1057,7 +1072,7 @@ func classifyOpsPhase(errType, message, code string) string {
 	case "upstream_error", "overloaded_error":
 		return "upstream"
 	case "api_error":
-		if strings.Contains(msg, "no available accounts") {
+		if strings.Contains(msg, opsErrNoAvailableAccounts) {
 			return "routing"
 		}
 		return "internal"
@@ -1103,7 +1118,7 @@ func classifyOpsIsRetryable(errType string, statusCode int) bool {
 
 func classifyOpsIsBusinessLimited(errType, phase, code string, status int, message string) bool {
 	switch strings.TrimSpace(code) {
-	case "INSUFFICIENT_BALANCE", "USAGE_LIMIT_EXCEEDED", "SUBSCRIPTION_NOT_FOUND", "SUBSCRIPTION_INVALID", "USER_INACTIVE":
+	case opsCodeInsufficientBalance, opsCodeUsageLimitExceeded, opsCodeSubscriptionNotFound, opsCodeSubscriptionInvalid, opsCodeUserInactive:
 		return true
 	}
 	if phase == "billing" || phase == "concurrency" {
@@ -1197,21 +1212,29 @@ func shouldSkipOpsErrorLog(ctx context.Context, ops *service.OpsService, message
 
 	// Check if context canceled errors should be ignored (client disconnects)
 	if settings.IgnoreContextCanceled {
-		if strings.Contains(msgLower, "context canceled") || strings.Contains(bodyLower, "context canceled") {
+		if strings.Contains(msgLower, opsErrContextCanceled) || strings.Contains(bodyLower, opsErrContextCanceled) {
 			return true
 		}
 	}
 
 	// Check if "no available accounts" errors should be ignored
 	if settings.IgnoreNoAvailableAccounts {
-		if strings.Contains(msgLower, "no available accounts") || strings.Contains(bodyLower, "no available accounts") {
+		if strings.Contains(msgLower, opsErrNoAvailableAccounts) || strings.Contains(bodyLower, opsErrNoAvailableAccounts) {
 			return true
 		}
 	}
 
 	// Check if invalid/missing API key errors should be ignored (user misconfiguration)
 	if settings.IgnoreInvalidApiKeyErrors {
-		if strings.Contains(bodyLower, "invalid_api_key") || strings.Contains(bodyLower, "api_key_required") {
+		if strings.Contains(bodyLower, opsErrInvalidAPIKey) || strings.Contains(bodyLower, opsErrAPIKeyRequired) {
+			return true
+		}
+	}
+
+	// Check if insufficient balance errors should be ignored
+	if settings.IgnoreInsufficientBalanceErrors {
+		if strings.Contains(bodyLower, opsErrInsufficientBalance) || strings.Contains(bodyLower, opsErrInsufficientQuota) ||
+			strings.Contains(msgLower, opsErrInsufficientBalance) {
 			return true
 		}
 	}
diff --git a/backend/internal/service/gateway_multiplatform_test.go b/backend/internal/service/gateway_multiplatform_test.go
index f947a8ee..ea8fa784 100644
--- a/backend/internal/service/gateway_multiplatform_test.go
+++ b/backend/internal/service/gateway_multiplatform_test.go
@@ -440,7 +440,7 @@ func TestGatewayService_SelectAccountForModelWithPlatform_NoAvailableAccounts(t
 	acc, err := svc.selectAccountForModelWithPlatform(ctx, nil, "", "claude-3-5-sonnet-20241022", nil, PlatformAnthropic)
 	require.Error(t, err)
 	require.Nil(t, acc)
-	require.Contains(t, err.Error(), "no available accounts")
+	require.ErrorIs(t, err, ErrNoAvailableAccounts)
 }
 
 // TestGatewayService_SelectAccountForModelWithPlatform_AllExcluded 测试所有账户被排除
@@ -1073,7 +1073,7 @@ func TestGatewayService_SelectAccountForModelWithPlatform_NoAccounts(t *testing.
 	acc, err := svc.selectAccountForModelWithPlatform(ctx, nil, "", "", nil, PlatformAnthropic)
 	require.Error(t, err)
 	require.Nil(t, acc)
-	require.Contains(t, err.Error(), "no available accounts")
+	require.ErrorIs(t, err, ErrNoAvailableAccounts)
 }
 
 func TestGatewayService_isModelSupportedByAccount(t *testing.T) {
@@ -1734,7 +1734,7 @@ func TestGatewayService_selectAccountWithMixedScheduling(t *testing.T) {
 		acc, err := svc.selectAccountWithMixedScheduling(ctx, nil, "", "claude-3-5-sonnet-20241022", nil, PlatformAnthropic)
 		require.Error(t, err)
 		require.Nil(t, acc)
-		require.Contains(t, err.Error(), "no available accounts")
+		require.ErrorIs(t, err, ErrNoAvailableAccounts)
 	})
 
 	t.Run("混合调度-不支持模型返回错误", func(t *testing.T) {
@@ -2290,7 +2290,7 @@ func TestGatewayService_SelectAccountWithLoadAwareness(t *testing.T) {
 		result, err := svc.SelectAccountWithLoadAwareness(ctx, nil, "", "claude-3-5-sonnet-20241022", nil, "")
 		require.Error(t, err)
 		require.Nil(t, result)
-		require.Contains(t, err.Error(), "no available accounts")
+		require.ErrorIs(t, err, ErrNoAvailableAccounts)
 	})
 
 	t.Run("过滤不可调度账号-限流账号被跳过", func(t *testing.T) {
diff --git a/backend/internal/service/gateway_service.go b/backend/internal/service/gateway_service.go
index 70f64121..cff9e9bb 100644
--- a/backend/internal/service/gateway_service.go
+++ b/backend/internal/service/gateway_service.go
@@ -346,6 +346,9 @@ var systemBlockFilterPrefixes = []string{
 	"x-anthropic-billing-header",
 }
 
+// ErrNoAvailableAccounts 表示没有可用的账号
+var ErrNoAvailableAccounts = errors.New("no available accounts")
+
 // ErrClaudeCodeOnly 表示分组仅允许 Claude Code 客户端访问
 var ErrClaudeCodeOnly = errors.New("this group only allows Claude Code clients")
 
@@ -1205,7 +1208,7 @@ func (s *GatewayService) SelectAccountWithLoadAwareness(ctx context.Context, gro
 		return nil, err
 	}
 	if len(accounts) == 0 {
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 	ctx = s.withWindowCostPrefetch(ctx, accounts)
 	ctx = s.withRPMPrefetch(ctx, accounts)
@@ -1553,7 +1556,7 @@ func (s *GatewayService) SelectAccountWithLoadAwareness(ctx context.Context, gro
 	}
 
 	if len(candidates) == 0 {
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 
 	accountLoads := make([]AccountWithConcurrency, 0, len(candidates))
@@ -1642,7 +1645,7 @@ func (s *GatewayService) SelectAccountWithLoadAwareness(ctx context.Context, gro
 			},
 		}, nil
 	}
-	return nil, errors.New("no available accounts")
+	return nil, ErrNoAvailableAccounts
 }
 
 func (s *GatewayService) tryAcquireByLegacyOrder(ctx context.Context, candidates []*Account, groupID *int64, sessionHash string, preferOAuth bool) (*AccountSelectionResult, bool) {
@@ -2852,9 +2855,9 @@ func (s *GatewayService) selectAccountForModelWithPlatform(ctx context.Context,
 	if selected == nil {
 		stats := s.logDetailedSelectionFailure(ctx, groupID, sessionHash, requestedModel, platform, accounts, excludedIDs, false)
 		if requestedModel != "" {
-			return nil, fmt.Errorf("no available accounts supporting model: %s (%s)", requestedModel, summarizeSelectionFailureStats(stats))
+			return nil, fmt.Errorf("%w supporting model: %s (%s)", ErrNoAvailableAccounts, requestedModel, summarizeSelectionFailureStats(stats))
 		}
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 
 	// 4. 建立粘性绑定
@@ -3090,9 +3093,9 @@ func (s *GatewayService) selectAccountWithMixedScheduling(ctx context.Context, g
 	if selected == nil {
 		stats := s.logDetailedSelectionFailure(ctx, groupID, sessionHash, requestedModel, nativePlatform, accounts, excludedIDs, true)
 		if requestedModel != "" {
-			return nil, fmt.Errorf("no available accounts supporting model: %s (%s)", requestedModel, summarizeSelectionFailureStats(stats))
+			return nil, fmt.Errorf("%w supporting model: %s (%s)", ErrNoAvailableAccounts, requestedModel, summarizeSelectionFailureStats(stats))
 		}
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 
 	// 4. 建立粘性绑定
diff --git a/backend/internal/service/openai_account_scheduler.go b/backend/internal/service/openai_account_scheduler.go
index 0fcf450b..789888cb 100644
--- a/backend/internal/service/openai_account_scheduler.go
+++ b/backend/internal/service/openai_account_scheduler.go
@@ -725,7 +725,7 @@ func (s *defaultOpenAIAccountScheduler) selectByLoadBalance(
 		}, len(candidates), topK, loadSkew, nil
 	}
 
-	return nil, len(candidates), topK, loadSkew, errors.New("no available accounts")
+	return nil, len(candidates), topK, loadSkew, ErrNoAvailableAccounts
 }
 
 func (s *defaultOpenAIAccountScheduler) isAccountTransportCompatible(account *Account, requiredTransport OpenAIUpstreamTransport) bool {
diff --git a/backend/internal/service/openai_gateway_service.go b/backend/internal/service/openai_gateway_service.go
index 406344e3..327ce916 100644
--- a/backend/internal/service/openai_gateway_service.go
+++ b/backend/internal/service/openai_gateway_service.go
@@ -1312,7 +1312,7 @@ func (s *OpenAIGatewayService) SelectAccountWithLoadAwareness(ctx context.Contex
 		return nil, err
 	}
 	if len(accounts) == 0 {
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 
 	isExcluded := func(accountID int64) bool {
@@ -1382,7 +1382,7 @@ func (s *OpenAIGatewayService) SelectAccountWithLoadAwareness(ctx context.Contex
 	}
 
 	if len(candidates) == 0 {
-		return nil, errors.New("no available accounts")
+		return nil, ErrNoAvailableAccounts
 	}
 
 	accountLoads := make([]AccountWithConcurrency, 0, len(candidates))
@@ -1489,7 +1489,7 @@ func (s *OpenAIGatewayService) SelectAccountWithLoadAwareness(ctx context.Contex
 		}, nil
 	}
 
-	return nil, errors.New("no available accounts")
+	return nil, ErrNoAvailableAccounts
 }
 
 func (s *OpenAIGatewayService) listSchedulableAccounts(ctx context.Context, groupID *int64) ([]Account, error) {
diff --git a/backend/internal/service/ops_retry.go b/backend/internal/service/ops_retry.go
index f0daa3e2..fdabbafd 100644
--- a/backend/internal/service/ops_retry.go
+++ b/backend/internal/service/ops_retry.go
@@ -467,7 +467,7 @@ func (s *OpsService) executeClientRetry(ctx context.Context, reqType opsRetryReq
 			return &opsRetryExecution{status: opsRetryStatusFailed, errorMessage: selErr.Error()}
 		}
 		if selection == nil || selection.Account == nil {
-			return &opsRetryExecution{status: opsRetryStatusFailed, errorMessage: "no available accounts"}
+			return &opsRetryExecution{status: opsRetryStatusFailed, errorMessage: ErrNoAvailableAccounts.Error()}
 		}
 
 		account := selection.Account
diff --git a/backend/internal/service/ops_settings.go b/backend/internal/service/ops_settings.go
index 93815887..5871166c 100644
--- a/backend/internal/service/ops_settings.go
+++ b/backend/internal/service/ops_settings.go
@@ -368,13 +368,14 @@ func defaultOpsAdvancedSettings() *OpsAdvancedSettings {
 		Aggregation: OpsAggregationSettings{
 			AggregationEnabled: false,
 		},
-		IgnoreCountTokensErrors:   true,  // count_tokens 404 是预期行为，默认忽略
-		IgnoreContextCanceled:     true,  // Default to true - client disconnects are not errors
-		IgnoreNoAvailableAccounts: false, // Default to false - this is a real routing issue
-		DisplayOpenAITokenStats:   false,
-		DisplayAlertEvents:        true,
-		AutoRefreshEnabled:        false,
-		AutoRefreshIntervalSec:    30,
+		IgnoreCountTokensErrors:         true,  // count_tokens 404 是预期行为，默认忽略
+		IgnoreContextCanceled:           true,  // Default to true - client disconnects are not errors
+		IgnoreNoAvailableAccounts:       false, // Default to false - this is a real routing issue
+		IgnoreInsufficientBalanceErrors: false, // 默认不忽略，余额不足可能需要关注
+		DisplayOpenAITokenStats:         false,
+		DisplayAlertEvents:              true,
+		AutoRefreshEnabled:              false,
+		AutoRefreshIntervalSec:          30,
 	}
 }
 
diff --git a/backend/internal/service/ops_settings_models.go b/backend/internal/service/ops_settings_models.go
index c8b9fcd1..fa18b05f 100644
--- a/backend/internal/service/ops_settings_models.go
+++ b/backend/internal/service/ops_settings_models.go
@@ -92,16 +92,17 @@ type OpsAlertRuntimeSettings struct {
 
 // OpsAdvancedSettings stores advanced ops configuration (data retention, aggregation).
 type OpsAdvancedSettings struct {
-	DataRetention             OpsDataRetentionSettings `json:"data_retention"`
-	Aggregation               OpsAggregationSettings   `json:"aggregation"`
-	IgnoreCountTokensErrors   bool                     `json:"ignore_count_tokens_errors"`
-	IgnoreContextCanceled     bool                     `json:"ignore_context_canceled"`
-	IgnoreNoAvailableAccounts bool                     `json:"ignore_no_available_accounts"`
-	IgnoreInvalidApiKeyErrors bool                     `json:"ignore_invalid_api_key_errors"`
-	DisplayOpenAITokenStats   bool                     `json:"display_openai_token_stats"`
-	DisplayAlertEvents        bool                     `json:"display_alert_events"`
-	AutoRefreshEnabled        bool                     `json:"auto_refresh_enabled"`
-	AutoRefreshIntervalSec    int                      `json:"auto_refresh_interval_seconds"`
+	DataRetention                   OpsDataRetentionSettings `json:"data_retention"`
+	Aggregation                     OpsAggregationSettings   `json:"aggregation"`
+	IgnoreCountTokensErrors         bool                     `json:"ignore_count_tokens_errors"`
+	IgnoreContextCanceled           bool                     `json:"ignore_context_canceled"`
+	IgnoreNoAvailableAccounts       bool                     `json:"ignore_no_available_accounts"`
+	IgnoreInvalidApiKeyErrors       bool                     `json:"ignore_invalid_api_key_errors"`
+	IgnoreInsufficientBalanceErrors bool                     `json:"ignore_insufficient_balance_errors"`
+	DisplayOpenAITokenStats         bool                     `json:"display_openai_token_stats"`
+	DisplayAlertEvents              bool                     `json:"display_alert_events"`
+	AutoRefreshEnabled              bool                     `json:"auto_refresh_enabled"`
+	AutoRefreshIntervalSec          int                      `json:"auto_refresh_interval_seconds"`
 }
 
 type OpsDataRetentionSettings struct {
diff --git a/frontend/src/api/admin/ops.ts b/frontend/src/api/admin/ops.ts
index 11699c79..64f6a6d0 100644
--- a/frontend/src/api/admin/ops.ts
+++ b/frontend/src/api/admin/ops.ts
@@ -841,6 +841,7 @@ export interface OpsAdvancedSettings {
   ignore_context_canceled: boolean
   ignore_no_available_accounts: boolean
   ignore_invalid_api_key_errors: boolean
+  ignore_insufficient_balance_errors: boolean
   display_openai_token_stats: boolean
   display_alert_events: boolean
   auto_refresh_enabled: boolean
diff --git a/frontend/src/i18n/locales/en.ts b/frontend/src/i18n/locales/en.ts
index 7f96f63c..a41bc89a 100644
--- a/frontend/src/i18n/locales/en.ts
+++ b/frontend/src/i18n/locales/en.ts
@@ -3842,6 +3842,8 @@ export default {
         ignoreNoAvailableAccountsHint: 'When enabled, "No available accounts" errors will not be written to the error log (not recommended; usually a config issue).',
         ignoreInvalidApiKeyErrors: 'Ignore invalid API key errors',
         ignoreInvalidApiKeyErrorsHint: 'When enabled, invalid or missing API key errors (INVALID_API_KEY, API_KEY_REQUIRED) will not be written to the error log.',
+        ignoreInsufficientBalanceErrors: 'Ignore Insufficient Balance Errors',
+        ignoreInsufficientBalanceErrorsHint: 'When enabled, upstream insufficient account balance errors will not be written to the error log.',
         autoRefresh: 'Auto Refresh',
         enableAutoRefresh: 'Enable auto refresh',
         enableAutoRefreshHint: 'Automatically refresh dashboard data at a fixed interval.',
diff --git a/frontend/src/i18n/locales/zh.ts b/frontend/src/i18n/locales/zh.ts
index c25ff211..4bf7a0b3 100644
--- a/frontend/src/i18n/locales/zh.ts
+++ b/frontend/src/i18n/locales/zh.ts
@@ -4016,6 +4016,8 @@ export default {
         ignoreNoAvailableAccountsHint: '启用后，"No available accounts" 错误将不会写入错误日志（不推荐，这通常是配置问题）。',
         ignoreInvalidApiKeyErrors: '忽略无效 API Key 错误',
         ignoreInvalidApiKeyErrorsHint: '启用后，无效或缺失 API Key 的错误（INVALID_API_KEY、API_KEY_REQUIRED）将不会写入错误日志。',
+        ignoreInsufficientBalanceErrors: '忽略余额不足错误',
+        ignoreInsufficientBalanceErrorsHint: '启用后，上游账号余额不足（Insufficient balance）的错误将不会写入错误日志。',
         autoRefresh: '自动刷新',
         enableAutoRefresh: '启用自动刷新',
         enableAutoRefreshHint: '自动刷新仪表板数据，启用后会定期拉取最新数据。',
diff --git a/frontend/src/views/admin/ops/components/OpsSettingsDialog.vue b/frontend/src/views/admin/ops/components/OpsSettingsDialog.vue
index 5dcd5c62..542f111d 100644
--- a/frontend/src/views/admin/ops/components/OpsSettingsDialog.vue
+++ b/frontend/src/views/admin/ops/components/OpsSettingsDialog.vue
@@ -516,6 +516,16 @@ async function saveAllSettings() {
               </div>
               <Toggle v-model="advancedSettings.ignore_invalid_api_key_errors" />
             </div>
+
+            <div class="flex items-center justify-between">
+              <div>
+                <label class="text-sm font-medium text-gray-700 dark:text-gray-300">{{ t('admin.ops.settings.ignoreInsufficientBalanceErrors') }}</label>
+                <p class="mt-1 text-xs text-gray-500">
+                  {{ t('admin.ops.settings.ignoreInsufficientBalanceErrorsHint') }}
+                </p>
+              </div>
+              <Toggle v-model="advancedSettings.ignore_insufficient_balance_errors" />
+            </div>
           </div>
 
           <!-- Auto Refresh -->