diff --git a/frontend/src/__tests__/settings-accounts.test.ts b/frontend/src/__tests__/settings-accounts.test.ts
index ab05cb50..bd83774a 100644
--- a/frontend/src/__tests__/settings-accounts.test.ts
+++ b/frontend/src/__tests__/settings-accounts.test.ts
@@ -164,6 +164,15 @@ function buildAccountsDOM(): void {
   overrideModal.appendChild(overrideForm);
   overrideModal.appendChild(btn('close-override-modal-btn'));
   document.body.appendChild(overrideModal);
+
+  // ── Per-account overrides modal (issue #122) ───────────────
+  const accountOverridesModal = div('account-overrides-modal', 'modal hidden');
+  const accountOverridesTitle = el('h2', {}, 'account-overrides-modal-title');
+  accountOverridesTitle.textContent = 'Service overrides';
+  accountOverridesModal.appendChild(accountOverridesTitle);
+  accountOverridesModal.appendChild(div('account-overrides-modal-body'));
+  accountOverridesModal.appendChild(btn('close-account-overrides-modal-btn'));
+  document.body.appendChild(accountOverridesModal);
 }
 
 // ---------------------------------------------------------------------------
@@ -516,7 +525,9 @@ describe('Overrides panel — AWS payment selector', () => {
     overridesBtn!.click();
     // loadOverridesPanel is async; let microtasks flush.
     await new Promise(r => setTimeout(r, 0));
-    const panel = document.querySelector('.account-overrides-panel') as HTMLElement | null;
+    // Issue #122: the inline expandable panel was replaced by a per-account
+    // modal. The body element is what loadOverridesPanel renders into.
+    const panel = document.getElementById('account-overrides-modal-body') as HTMLElement | null;
     expect(panel).not.toBeNull();
     return panel!;
   }
@@ -605,7 +616,8 @@ describe('Create-override modal', () => {
     expect(overridesBtn).not.toBeNull();
     overridesBtn!.click();
     await new Promise(r => setTimeout(r, 0));
-    const panel = document.querySelector('.account-overrides-panel') as HTMLElement | null;
+    // Issue #122: panel is now inside the per-account overrides modal.
+    const panel = document.getElementById('account-overrides-modal-body') as HTMLElement | null;
     expect(panel).not.toBeNull();
     const modal = document.getElementById('override-modal') as HTMLElement | null;
     expect(modal).not.toBeNull();
@@ -773,10 +785,10 @@ describe('Create-override modal', () => {
     overridesBtn.click();
     await new Promise(r => setTimeout(r, 0));
 
-    const panel = document.querySelector('.account-overrides-panel') as HTMLElement;
+    const panel = document.getElementById('account-overrides-modal-body') as HTMLElement;
     const modal = document.getElementById('override-modal') as HTMLElement;
 
-    // Modal must NOT have auto-opened for a non-AWS account.
+    // The inner create modal must NOT have auto-opened for a non-AWS account.
     expect(modal.classList.contains('hidden')).toBe(true);
 
     // No Add override button on non-AWS for now (issue #104 follow-up).
@@ -804,3 +816,102 @@ describe('Create-override modal', () => {
     expect(submitBtn.disabled).toBe(true);
   });
 });
+
+// ---------------------------------------------------------------------------
+// Per-account overrides modal — issue #122
+// ---------------------------------------------------------------------------
+
+describe('Account overrides modal', () => {
+  beforeEach(() => {
+    buildAccountsDOM();
+    setupSettingsHandlers();
+    jest.clearAllMocks();
+  });
+
+  test('Overrides button opens an account-scoped modal whose title binds to the account', async () => {
+    (api.listAccounts as jest.Mock).mockResolvedValue([
+      { id: 'acc-1', name: 'AWS Prod', provider: 'aws', external_id: '540659244915', enabled: true },
+    ]);
+    (api.listAccountServiceOverrides as jest.Mock).mockResolvedValue([
+      { id: 'o1', account_id: 'acc-1', provider: 'aws', service: 'ec2', payment: 'all-upfront' },
+    ]);
+
+    await loadAccountsForProvider('aws');
+    const btn = document.querySelector(
+      `button[aria-label="Service overrides for AWS Prod (540659244915)"]`,
+    ) as HTMLButtonElement;
+    btn.click();
+    await new Promise(r => setTimeout(r, 0));
+
+    const modal = document.getElementById('account-overrides-modal') as HTMLElement;
+    expect(modal.classList.contains('hidden')).toBe(false);
+    const title = document.getElementById('account-overrides-modal-title') as HTMLElement;
+    expect(title.textContent).toBe('Service overrides for AWS Prod (540659244915)');
+  });
+
+  test('switching accounts swaps the modal title; only one account context is active at a time', async () => {
+    (api.listAccounts as jest.Mock).mockResolvedValue([
+      { id: 'acc-a', name: 'AWS Prod',  provider: 'aws', external_id: '540659244915', enabled: true },
+      { id: 'acc-b', name: 'CUDly host', provider: 'aws', external_id: '909626172446', enabled: true },
+    ]);
+    (api.listAccountServiceOverrides as jest.Mock).mockResolvedValue([]);
+
+    await loadAccountsForProvider('aws');
+    const titleEl = document.getElementById('account-overrides-modal-title') as HTMLElement;
+
+    // Click Overrides on Account A.
+    (document.querySelector(
+      `button[aria-label="Service overrides for AWS Prod (540659244915)"]`,
+    ) as HTMLButtonElement).click();
+    await new Promise(r => setTimeout(r, 0));
+    expect(titleEl.textContent).toContain('AWS Prod');
+
+    // Click Overrides on Account B without closing the modal first.
+    (document.querySelector(
+      `button[aria-label="Service overrides for CUDly host (909626172446)"]`,
+    ) as HTMLButtonElement).click();
+    await new Promise(r => setTimeout(r, 0));
+
+    // Title now reflects Account B; only ONE modal exists in the DOM.
+    expect(titleEl.textContent).toContain('CUDly host');
+    expect(titleEl.textContent).not.toContain('AWS Prod');
+    expect(document.querySelectorAll('#account-overrides-modal').length).toBe(1);
+  });
+
+  test('Close button hides the modal and clears the body to avoid stale flash on next open', async () => {
+    (api.listAccounts as jest.Mock).mockResolvedValue([
+      { id: 'acc-1', name: 'Prod', provider: 'aws', external_id: '111', enabled: true },
+    ]);
+    (api.listAccountServiceOverrides as jest.Mock).mockResolvedValue([
+      { id: 'o1', account_id: 'acc-1', provider: 'aws', service: 'ec2', payment: 'all-upfront' },
+    ]);
+
+    await loadAccountsForProvider('aws');
+    (document.querySelector(
+      `button[aria-label="Service overrides for Prod (111)"]`,
+    ) as HTMLButtonElement).click();
+    await new Promise(r => setTimeout(r, 0));
+
+    const modal = document.getElementById('account-overrides-modal') as HTMLElement;
+    const body = document.getElementById('account-overrides-modal-body') as HTMLElement;
+    expect(modal.classList.contains('hidden')).toBe(false);
+    expect(body.querySelector('table.overrides-table')).not.toBeNull();
+
+    (document.getElementById('close-account-overrides-modal-btn') as HTMLButtonElement).click();
+    expect(modal.classList.contains('hidden')).toBe(true);
+    // Body cleared so the next open doesn't flash stale rows for ~1ms.
+    expect(body.children.length).toBe(0);
+  });
+
+  test('no inline panel renders below the accounts table (issue #122 regression guard)', async () => {
+    (api.listAccounts as jest.Mock).mockResolvedValue([
+      { id: 'acc-1', name: 'Prod', provider: 'aws', external_id: '111', enabled: true },
+    ]);
+
+    await loadAccountsForProvider('aws');
+
+    // The inline expandable panel was the cause of the panel-stacking bug.
+    // Verify it is gone — the only override container is the modal body.
+    expect(document.querySelector('.account-overrides-panel')).toBeNull();
+  });
+});
diff --git a/frontend/src/index.html b/frontend/src/index.html
index 05c783c4..c71387c8 100644
--- a/frontend/src/index.html
+++ b/frontend/src/index.html
@@ -990,6 +990,22 @@ <h2 id="group-duplicate-modal-title">Duplicate Group</h2>
             </div>
         </div>
 
+        <!-- Per-account overrides modal (issue #122) — replaces the inline
+             expandable panel that stacked all accounts' panels below the
+             accounts table without per-row attachment. Title binds the
+             modal to one specific account; body holds the overrides table
+             rendered dynamically. -->
+        <div id="account-overrides-modal" class="modal hidden" role="dialog" aria-modal="true" aria-labelledby="account-overrides-modal-title">
+            <div class="modal-content modal-wide">
+                <h2 id="account-overrides-modal-title">Service overrides</h2>
+                <p class="help-text">Per-account overrides take precedence over the global service defaults configured in Settings → Purchasing.</p>
+                <div id="account-overrides-modal-body"></div>
+                <div class="modal-buttons">
+                    <button type="button" id="close-account-overrides-modal-btn">Close</button>
+                </div>
+            </div>
+        </div>
+
         <!-- Cloud Account Modal -->
         <div id="override-modal" class="modal hidden" role="dialog" aria-modal="true" aria-labelledby="override-modal-title">
             <div class="modal-content">
diff --git a/frontend/src/settings.ts b/frontend/src/settings.ts
index aa766f8b..140abf72 100644
--- a/frontend/src/settings.ts
+++ b/frontend/src/settings.ts
@@ -338,7 +338,6 @@ function renderAccountsList(
   table.appendChild(thead);
 
   const tbody = document.createElement('tbody');
-  const panels: HTMLDivElement[] = [];
 
   visible.forEach((account) => {
     const accountLabel = `${account.name} (${account.external_id})`;
@@ -393,12 +392,7 @@ function renderAccountsList(
     overridesBtn.className = 'btn btn-small';
     overridesBtn.textContent = 'Overrides';
     overridesBtn.setAttribute('aria-label', `Service overrides for ${accountLabel}`);
-    const overridesPanel = document.createElement('div');
-    overridesPanel.className = 'account-overrides-panel hidden';
-    overridesBtn.addEventListener('click', () => {
-      const hidden = overridesPanel.classList.toggle('hidden');
-      if (!hidden) void loadOverridesPanel(account.id, overridesPanel, account.provider);
-    });
+    overridesBtn.addEventListener('click', () => openAccountOverridesModal(account));
     actionsTd.appendChild(overridesBtn);
 
     // Destructive Delete lives in its own subgroup to isolate it from the
@@ -419,13 +413,13 @@ function renderAccountsList(
 
     tr.appendChild(actionsTd);
     tbody.appendChild(tr);
-    panels.push(overridesPanel);
   });
   table.appendChild(tbody);
   container.appendChild(table);
-  // Append overrides panels after the table so "show overrides" expands
-  // below the row rather than inside it.
-  panels.forEach((p) => container.appendChild(p));
+  // Per-account overrides used to render in inline panels appended below
+  // the table; they now live in the account-overrides-modal (issue #122)
+  // so the accounts table stays compact and per-account scoping is
+  // unambiguous.
 }
 
 // AWS payment-option choices, kept in sync with the per-service Purchasing
@@ -561,6 +555,45 @@ async function handlePaymentOverrideChange(
  * empty-state text since their per-product term/payment semantics differ
  * (issue #104 follow-up tracks Azure/GCP modal support).
  */
+/**
+ * Open the per-account overrides modal (issue #122). Replaces the inline
+ * expandable panel that used to render below the accounts table — the
+ * panels stacked without per-row attachment, so two open panels gave the
+ * user no way to tell which override row belonged to which account.
+ *
+ * The modal title binds explicitly to the account; the body uses the same
+ * `loadOverridesPanel` rendering function as before, so all CRUD wiring
+ * (Reset button, inline payment select, Add override button, empty-state
+ * auto-open of the create modal) carries forward unchanged.
+ */
+function openAccountOverridesModal(account: api.CloudAccount): void {
+  const modal = document.getElementById('account-overrides-modal');
+  if (!modal) return;
+  const titleEl = document.getElementById('account-overrides-modal-title');
+  if (titleEl) {
+    titleEl.textContent = `Service overrides for ${account.name} (${account.external_id})`;
+  }
+  const body = document.getElementById('account-overrides-modal-body');
+  if (!body) return;
+  modal.classList.remove('hidden');
+  void loadOverridesPanel(account.id, body, account.provider);
+}
+
+function closeAccountOverridesModal(): void {
+  const modal = document.getElementById('account-overrides-modal');
+  modal?.classList.add('hidden');
+  // Drop the body content so the next open doesn't briefly flash stale
+  // data from a previous account before loadOverridesPanel populates it.
+  const body = document.getElementById('account-overrides-modal-body');
+  if (body) body.replaceChildren();
+  // Close the inner create modal too if it's still open. The user can't
+  // visually reach the outer's close affordances while the inner is up
+  // (inner backdrop covers them), but a programmatic close — or a future
+  // ESC-to-close from issue #115 — should leave a clean slate, not an
+  // orphaned inner modal whose Save would target a hidden parent.
+  closeOverrideModal();
+}
+
 async function loadOverridesPanel(accountId: string, panel: HTMLElement, provider: AccountProvider): Promise<void> {
   panel.textContent = 'Loading\u2026';
   try {
@@ -1380,6 +1413,17 @@ export function setupSettingsHandlers(signal?: AbortSignal): void {
   overrideModal?.addEventListener('click', (e) => {
     if (e.target === overrideModal) closeOverrideModal();
   }, { signal });
+
+  // Per-account overrides modal — close + click-outside-to-dismiss (issue #122).
+  document.getElementById('close-account-overrides-modal-btn')?.addEventListener(
+    'click',
+    closeAccountOverridesModal,
+    { signal },
+  );
+  const accountOverridesModal = document.getElementById('account-overrides-modal');
+  accountOverridesModal?.addEventListener('click', (e) => {
+    if (e.target === accountOverridesModal) closeAccountOverridesModal();
+  }, { signal });
 }
 
 /**