diff --git a/app/api/v1/wallet.py b/app/api/v1/wallet.py
index 2dc8858..55a6f5e 100644
--- a/app/api/v1/wallet.py
+++ b/app/api/v1/wallet.py
@@ -155,8 +155,8 @@ def bind_wechat(req: BindWechatRequest, user: CurrentUser, db: DbSession) -> Bin
 def unbind_wechat(
     user: CurrentUser, db: DbSession, req: UnbindWechatRequest | None = None
 ) -> UnbindWechatResultOut:
-    # 有「待审核(reviewing)」提现单时,首次解绑拦下要求确认:这类单还没打款,解绑后审核时
-    # 回读空 openid → 自动退回现金余额(钱不丢),但用户需知情。确认后客户端带 force=true 再调即放行。
+    # 有「待审核(reviewing)」提现单时,首次解绑拦下要求确认:这类单还没打款,确认解绑(force)
+    # 时会被立即退回现金余额(refund_reviewing_withdraws_on_unbind),后台不再挂单,用户需先知情。
     # (pending 单转账已在途、解绑影响不到,不拦;见 has_reviewing_withdraw。)
     force = req.force if req is not None else False
     if not force and crud_wallet.has_reviewing_withdraw(db, user.id):
@@ -166,8 +166,10 @@ def unbind_wechat(
             needs_confirm=True,
             message="你有提现正在审核中,解绑微信后这笔会自动退回到现金余额。确定解绑吗?",
         )
+    # 先把待审核提现立即退回现金(无则 no-op),再清 openid —— 让"解绑即退"名副其实
+    refunded = crud_wallet.refund_reviewing_withdraws_on_unbind(db, user.id)
     crud_wallet.unbind_wechat_openid(db, user.id)
-    logger.info("unbind wechat ok user_id=%d force=%s", user.id, force)
+    logger.info("unbind wechat ok user_id=%d force=%s refunded_withdraws=%d", user.id, force, refunded)
     return UnbindWechatResultOut(bound=False)
 
 
diff --git a/app/repositories/wallet.py b/app/repositories/wallet.py
index cb5f38b..3438928 100644
--- a/app/repositories/wallet.py
+++ b/app/repositories/wallet.py
@@ -337,8 +337,8 @@ def bind_wechat_openid(db: Session, user_id: int, code: str) -> dict:
 def has_reviewing_withdraw(db: Session, user_id: int) -> bool:
     """用户是否有「待审核(reviewing)」的提现单。
 
-    只看 reviewing:这类单还没打款,解绑微信后审核打款时回读空 openid → 自动退回现金余额
-    (见 execute_withdraw_transfer),解绑前据此提示用户知情确认。
+    只看 reviewing:这类单还没打款,用户确认解绑时会被立即退回现金
+    (refund_reviewing_withdraws_on_unbind),解绑前据此提示用户知情确认。
     pending 单转账已在途(execute 已过 openid 闸),解绑影响不到、照常打款,故不计入。
     """
     return (
@@ -366,6 +366,33 @@ def unbind_wechat_openid(db: Session, user_id: int) -> None:
         db.commit()
 
 
+def refund_reviewing_withdraws_on_unbind(db: Session, user_id: int) -> int:
+    """解绑微信时,把该用户所有「待审核(reviewing)」提现单立即退回现金并置终态。
+
+    reviewing 单还没打款(钱在 create_withdraw 时已从现金扣进待审核单),解绑后这笔无法
+    打款到微信,直接退回现金最干净:用户即时拿回钱、后台不再挂死单(不必等管理员审核)。
+    复用 _refund_withdraw(退现金 + 流水 + 幂等)。返回退掉的单数。
+    """
+    orders = (
+        db.execute(
+            select(WithdrawOrder).where(
+                WithdrawOrder.user_id == user_id,
+                WithdrawOrder.status == "reviewing",
+            )
+        )
+        .scalars()
+        .all()
+    )
+    for order in orders:
+        _refund_withdraw(
+            db,
+            order,
+            reason="用户解绑微信,待审核提现自动退回",
+            remark="解绑微信,提现已退回现金余额",
+        )
+    return len(orders)
+
+
 _OUT_BILL_NO_RE = re.compile(r"^[0-9A-Za-z_-]{8,32}$")
 
 
@@ -401,7 +428,8 @@ def _add_cash(db: Session, user_id: int, amount_cents: int) -> int:
 
 
 def _refund_withdraw(
-    db: Session, order: WithdrawOrder, reason: str, *, final_status: str = "failed"
+    db: Session, order: WithdrawOrder, reason: str, *, final_status: str = "failed",
+    remark: str | None = None,
 ) -> None:
     """退回现金 + 写 withdraw_refund 流水 + 单子置终态。幂等:已是退款终态不重复退。
 
@@ -409,6 +437,7 @@ def _refund_withdraw(
       - "failed"  (默认):微信转账失败/取消 → 自动退款
       - "rejected":管理员审核拒绝 → 退款(走 reject_withdraw)
     两种都已退款,用 in 判定防重复退(并发/对账/拒绝重复点)。
+    remark:给用户可见的现金流水文案;省略则按 final_status 取默认(解绑退回等场景可自定义)。
     """
     if order.status in ("failed", "rejected"):
         return  # 防重复退款(并发/对账与查单/重复拒绝同时触发)
@@ -433,7 +462,10 @@ def _refund_withdraw(
             biz_type="withdraw_refund",
             ref_id=order.out_bill_no,
             # 用户可见文案区分"未成功(自动退)"vs"审核未通过";技术原因记在 order.fail_reason
-            remark="提现审核未通过,金额已退回" if final_status == "rejected" else "提现未成功,金额已退回",
+            remark=(
+                remark
+                or ("提现审核未通过,金额已退回" if final_status == "rejected" else "提现未成功,金额已退回")
+            ),
             created_at=datetime.now(rewards.CN_TZ).replace(tzinfo=None),
         )
     )
diff --git a/docs/api/wallet-unbind-wechat.md b/docs/api/wallet-unbind-wechat.md
index 9db534d..01211dc 100644
--- a/docs/api/wallet-unbind-wechat.md
+++ b/docs/api/wallet-unbind-wechat.md
@@ -25,4 +25,4 @@
 
 **有待审核提现时的二次确认**:用户有 `reviewing`(待审核)状态的提现单且未带 `force=true` 时,**首次解绑被拦下**——不清 openid,返回 `bound`(真实绑定态)+ `needs_confirm=true` + `message`。客户端据此弹确认弹窗,用户确认后带 `force=true` 再调一次即放行解绑。
 
-> 只拦 `reviewing`:这类单还没打款,解绑后审核时回读到空 openid → 自动退回现金余额(钱不丢,见 [`execute_withdraw_transfer`](../../app/repositories/wallet.py)),用户需知情。`pending`(打款在途)单转账已发起、解绑影响不到、照常打款到微信,故**不拦**。
+> 只拦 `reviewing`:这类单还没打款,用户确认解绑(`force=true`)时**立即退回现金余额**(写 `withdraw_refund` 流水、单子置终态),后台不再挂单、不必等管理员审核。`pending`(打款在途)单转账已发起、解绑影响不到、照常打款到微信,故**不拦**。