diff --git a/.changeset/safe-access-key-fallback.md b/.changeset/safe-access-key-fallback.md
new file mode 100644
index 00000000..7ab94287
--- /dev/null
+++ b/.changeset/safe-access-key-fallback.md
@@ -0,0 +1,5 @@
+---
+'accounts': patch
+---
+
+Prevent access-key transaction failures after dispatch from falling back to a duplicate wallet send.
diff --git a/src/core/Provider.localnet.test.ts b/src/core/Provider.localnet.test.ts
index 68a99131..104d7c3a 100644
--- a/src/core/Provider.localnet.test.ts
+++ b/src/core/Provider.localnet.test.ts
@@ -1097,6 +1097,49 @@ describe.each(adapters)('$name', ({ adapter, name }: (typeof adapters)[number])
         }
       `)
     })
+
+    test('behavior: does not fall back after an access-key transaction is dispatched', async () => {
+      let failAfterDispatch = false
+      let sends = 0
+      const transport: Transport = (options) => {
+        const base = http()(options)
+        return {
+          ...base,
+          async request(request: Parameters<typeof base.request>[0]) {
+            if (request.method !== 'eth_sendRawTransactionSync') return await base.request(request)
+            sends++
+            const result = await base.request(request)
+            if (!failAfterDispatch) return result
+            failAfterDispatch = false
+            throw new Error('receipt response lost')
+          },
+        } as never
+      }
+      const provider = Provider.create({
+        adapter: adapter(),
+        chains: [chain],
+        transports: { [chain.id]: transport },
+      })
+      const connected = await connect(provider)
+      await fund(connected)
+      await provider.request({
+        method: 'wallet_authorizeAccessKey',
+        params: [{ expiry: Expiry.days(1) }],
+      })
+      sends = 0
+      failAfterDispatch = true
+
+      await expect(
+        provider.request({
+          method: 'eth_sendTransactionSync',
+          params: [{ calls: [transferCall] }],
+        }),
+      ).rejects.toMatchObject({
+        name: 'AccessKeyTransaction.DispatchedError',
+        transactionHash: expect.stringMatching(/^0x[0-9a-f]{64}$/),
+      })
+      expect(sends).toMatchInlineSnapshot(`1`)
+    })
   })
 
   describe('eth_signTransaction', () => {
diff --git a/src/core/Provider.ts b/src/core/Provider.ts
index 48cdc790..bdc11972 100644
--- a/src/core/Provider.ts
+++ b/src/core/Provider.ts
@@ -286,7 +286,9 @@ export function create(options: create.Options = {}): create.ReturnType {
             ...(feePayer ? { feePayer: true as never } : {}),
           })
           return await prepared.sign()
-        } catch {}
+        } catch (error) {
+          fallbackFromAccessKey(error)
+        }
     }
 
     const { client, request, selected } = await prepareRootTransaction(parameters)
@@ -325,7 +327,9 @@ export function create(options: create.Options = {}): create.ReturnType {
             ...(feePayer ? { feePayer: true as never } : {}),
           })
           return await prepared.send()
-        } catch {}
+        } catch (error) {
+          fallbackFromAccessKey(error)
+        }
     }
 
     const { feePayer, ...rest } = parameters
@@ -372,7 +376,9 @@ export function create(options: create.Options = {}): create.ReturnType {
             ...(feePayer ? { feePayer: true as never } : {}),
           })
           return await prepared.sendSync()
-        } catch {}
+        } catch (error) {
+          fallbackFromAccessKey(error)
+        }
     }
 
     const { feePayer, ...rest } = parameters
@@ -399,6 +405,11 @@ export function create(options: create.Options = {}): create.ReturnType {
     return z.encode(Rpc.receipt, receipt as never) as Rpc.eth_sendTransactionSync.Encoded['returns']
   }
 
+  function fallbackFromAccessKey(error: unknown): void {
+    if (AccessKeyTransaction.isDispatchedError(error)) throw error
+    console.warn('[accounts] Access-key transaction failed; falling back to wallet.', error)
+  }
+
   async function signPersonalMessage(parameters: { address: Address.Address; data: Hex.Hex }) {
     const selected = await getAdapterAccount({ address: parameters.address })
     const client = getWalletClient({ account: selected.account, transport: selected.transport })
diff --git a/src/core/internal/AccessKeyTransaction.ts b/src/core/internal/AccessKeyTransaction.ts
index 8bfebeb4..5253ca87 100644
--- a/src/core/internal/AccessKeyTransaction.ts
+++ b/src/core/internal/AccessKeyTransaction.ts
@@ -1,4 +1,4 @@
-import { Address, Hex } from 'ox'
+import { Address, Hash, Hex } from 'ox'
 import type { Client, Transport } from 'viem'
 import { prepareTransactionRequest } from 'viem/actions'
 import type { PrepareTransactionRequestReturnType } from 'viem/actions'
@@ -23,6 +23,26 @@ const removalErrorNames = new Set([
   'SignatureTypeMismatch',
 ])
 
+/** Signals that a signed transaction was handed to the transport before an error was returned. */
+export class DispatchedError extends Error {
+  /** Hash of the signed transaction that may still be pending. */
+  transactionHash: Hex.Hex
+
+  constructor(error: unknown, options: { transactionHash: Hex.Hex }) {
+    super(error instanceof Error ? error.message : 'Access-key transaction dispatch failed.', {
+      cause: error,
+    })
+    this.name = 'AccessKeyTransaction.DispatchedError'
+    this.transactionHash = options.transactionHash
+  }
+}
+
+/** Returns whether an error occurred after a signed transaction was handed to the transport. */
+export function isDispatchedError(error: unknown): error is DispatchedError {
+  if (error instanceof DispatchedError) return true
+  return error instanceof Error && error.name === 'AccessKeyTransaction.DispatchedError'
+}
+
 /** Creates a transaction helper for a matching locally-signable access key. */
 export async function create(options: create.Options): Promise<create.ReturnType> {
   const { address, calls, chainId, client, store } = options
@@ -163,27 +183,27 @@ function createPreparedTransaction(options: {
     request,
     sign,
     async send() {
+      const signed = await sign()
       try {
-        const signed = await sign()
         return (await client.request({
           method: 'eth_sendRawTransaction' as never,
           params: [signed],
         })) as Hex.Hex
       } catch (error) {
         removeForError(error, { account, address, chainId, store })
-        throw error
+        throw new DispatchedError(error, { transactionHash: Hash.keccak256(signed) })
       }
     },
     async sendSync() {
+      const signed = await sign()
       try {
-        const signed = await sign()
         return (await client.request({
           method: 'eth_sendRawTransactionSync' as never,
           params: [signed],
         })) as create.SendSyncReturnType
       } catch (error) {
         removeForError(error, { account, address, chainId, store })
-        throw error
+        throw new DispatchedError(error, { transactionHash: Hash.keccak256(signed) })
       }
     },
   }