diff --git a/.env.example b/.env.example
index f1d6c807..e0ab9878 100644
--- a/.env.example
+++ b/.env.example
@@ -371,7 +371,8 @@ REFERRAL_MINIMUM_TOPUP_KOPEKS=10000
 REFERRAL_FIRST_TOPUP_BONUS_KOPEKS=10000
 REFERRAL_INVITER_BONUS_KOPEKS=10000
 REFERRAL_COMMISSION_PERCENT=25
-
+# Показывать раздел партнёрки в кабинете
+REFERRAL_PARTNER_SECTION_VISIBLE=true
 
 # Уведомления
 REFERRAL_NOTIFICATIONS_ENABLED=true
@@ -384,6 +385,8 @@ REFERRAL_WITHDRAWAL_ENABLED=false
 REFERRAL_WITHDRAWAL_MIN_AMOUNT_KOPEKS=50000
 # Интервал между запросами на вывод (дни)
 REFERRAL_WITHDRAWAL_COOLDOWN_DAYS=30
+# Текст-подсказка для поля реквизитов при выводе (пустая строка = стандартный текст)
+REFERRAL_WITHDRAWAL_REQUISITES_TEXT=
 # Выводить только реферальный баланс (true) или весь баланс (false)
 REFERRAL_WITHDRAWAL_ONLY_REFERRAL_BALANCE=true
 # ID топика для уведомлений о заявках на вывод (0 = основной чат)
diff --git a/app/cabinet/routes/admin_partners.py b/app/cabinet/routes/admin_partners.py
index 546ee806..dc35fa8b 100644
--- a/app/cabinet/routes/admin_partners.py
+++ b/app/cabinet/routes/admin_partners.py
@@ -4,9 +4,11 @@ from typing import Literal
 
 import structlog
 from fastapi import APIRouter, Depends, HTTPException, Query, status
+from pydantic import BaseModel, Field
 from sqlalchemy import desc, func, select
 from sqlalchemy.ext.asyncio import AsyncSession
 
+from app.config import settings
 from app.database.models import (
     AdvertisingCampaign,
     PartnerApplication,
@@ -36,6 +38,116 @@ logger = structlog.get_logger(__name__)
 router = APIRouter(prefix='/admin/partners', tags=['Cabinet Admin Partners'])
 
 
+# ==================== Settings ====================
+
+
+class PartnerSettingsResponse(BaseModel):
+    withdrawal_enabled: bool
+    withdrawal_min_amount_kopeks: int
+    withdrawal_cooldown_days: int
+    withdrawal_requisites_text: str
+    partner_section_visible: bool
+    referral_program_enabled: bool
+
+
+class PartnerSettingsUpdateRequest(BaseModel):
+    withdrawal_enabled: bool | None = None
+    withdrawal_min_amount_kopeks: int | None = Field(None, ge=0, le=100_000_000)
+    withdrawal_cooldown_days: int | None = Field(None, ge=0, le=365)
+    withdrawal_requisites_text: str | None = Field(None, max_length=2000)
+    partner_section_visible: bool | None = None
+    referral_program_enabled: bool | None = None
+
+
+def _build_partner_settings_response() -> PartnerSettingsResponse:
+    return PartnerSettingsResponse(
+        withdrawal_enabled=settings.REFERRAL_WITHDRAWAL_ENABLED,
+        withdrawal_min_amount_kopeks=settings.REFERRAL_WITHDRAWAL_MIN_AMOUNT_KOPEKS,
+        withdrawal_cooldown_days=settings.REFERRAL_WITHDRAWAL_COOLDOWN_DAYS,
+        withdrawal_requisites_text=settings.REFERRAL_WITHDRAWAL_REQUISITES_TEXT,
+        partner_section_visible=settings.REFERRAL_PARTNER_SECTION_VISIBLE,
+        referral_program_enabled=settings.REFERRAL_PROGRAM_ENABLED,
+    )
+
+
+@router.get('/settings', response_model=PartnerSettingsResponse)
+async def get_partner_settings(
+    admin: User = Depends(get_current_admin_user),
+):
+    """Get partner system settings."""
+    return _build_partner_settings_response()
+
+
+@router.patch('/settings', response_model=PartnerSettingsResponse)
+async def update_partner_settings(
+    request: PartnerSettingsUpdateRequest,
+    admin: User = Depends(get_current_admin_user),
+):
+    """Update partner system settings."""
+    from pathlib import Path
+
+    # Update in-memory settings
+    if request.withdrawal_enabled is not None:
+        settings.REFERRAL_WITHDRAWAL_ENABLED = request.withdrawal_enabled
+    if request.withdrawal_min_amount_kopeks is not None:
+        settings.REFERRAL_WITHDRAWAL_MIN_AMOUNT_KOPEKS = request.withdrawal_min_amount_kopeks
+    if request.withdrawal_cooldown_days is not None:
+        settings.REFERRAL_WITHDRAWAL_COOLDOWN_DAYS = request.withdrawal_cooldown_days
+    if request.withdrawal_requisites_text is not None:
+        settings.REFERRAL_WITHDRAWAL_REQUISITES_TEXT = request.withdrawal_requisites_text
+    if request.partner_section_visible is not None:
+        settings.REFERRAL_PARTNER_SECTION_VISIBLE = request.partner_section_visible
+    if request.referral_program_enabled is not None:
+        settings.REFERRAL_PROGRAM_ENABLED = request.referral_program_enabled
+
+    # Persist to .env file
+    try:
+        env_file = Path('.env')
+        if env_file.exists():
+            lines = env_file.read_text().splitlines()
+            updates: dict[str, str] = {}
+
+            if request.withdrawal_enabled is not None:
+                updates['REFERRAL_WITHDRAWAL_ENABLED'] = str(request.withdrawal_enabled).lower()
+            if request.withdrawal_min_amount_kopeks is not None:
+                updates['REFERRAL_WITHDRAWAL_MIN_AMOUNT_KOPEKS'] = str(request.withdrawal_min_amount_kopeks)
+            if request.withdrawal_cooldown_days is not None:
+                updates['REFERRAL_WITHDRAWAL_COOLDOWN_DAYS'] = str(request.withdrawal_cooldown_days)
+            if request.withdrawal_requisites_text is not None:
+                # Sanitize: replace newlines to prevent .env injection
+                sanitized = request.withdrawal_requisites_text.replace('\r\n', ' ').replace('\n', ' ').replace('\r', ' ')
+                updates['REFERRAL_WITHDRAWAL_REQUISITES_TEXT'] = sanitized
+            if request.partner_section_visible is not None:
+                updates['REFERRAL_PARTNER_SECTION_VISIBLE'] = str(request.partner_section_visible).lower()
+            if request.referral_program_enabled is not None:
+                updates['REFERRAL_PROGRAM_ENABLED'] = str(request.referral_program_enabled).lower()
+
+            new_lines = []
+            updated_keys: set[str] = set()
+
+            for line in lines:
+                updated = False
+                for key, value in updates.items():
+                    if line.startswith(f'{key}='):
+                        new_lines.append(f'{key}={value}')
+                        updated_keys.add(key)
+                        updated = True
+                        break
+                if not updated:
+                    new_lines.append(line)
+
+            for key, value in updates.items():
+                if key not in updated_keys:
+                    new_lines.append(f'{key}={value}')
+
+            env_file.write_text('\n'.join(new_lines) + '\n')
+            logger.info('Updated partner settings in .env file', admin_id=admin.id)
+    except Exception as e:
+        logger.warning('Failed to update .env file', error=e)
+
+    return _build_partner_settings_response()
+
+
 # ==================== Applications (static paths first) ====================
 
 
diff --git a/app/cabinet/routes/referral.py b/app/cabinet/routes/referral.py
index 9c595dc8..e06d7e60 100644
--- a/app/cabinet/routes/referral.py
+++ b/app/cabinet/routes/referral.py
@@ -199,4 +199,5 @@ async def get_referral_terms():
         first_topup_bonus_rubles=settings.REFERRAL_FIRST_TOPUP_BONUS_KOPEKS / 100,
         inviter_bonus_kopeks=settings.REFERRAL_INVITER_BONUS_KOPEKS,
         inviter_bonus_rubles=settings.REFERRAL_INVITER_BONUS_KOPEKS / 100,
+        partner_section_visible=settings.REFERRAL_PARTNER_SECTION_VISIBLE,
     )
diff --git a/app/cabinet/routes/withdrawal.py b/app/cabinet/routes/withdrawal.py
index 4d8c5a21..132298f3 100644
--- a/app/cabinet/routes/withdrawal.py
+++ b/app/cabinet/routes/withdrawal.py
@@ -44,6 +44,7 @@ async def get_withdrawal_balance(
         is_withdrawal_enabled=settings.is_referral_withdrawal_enabled(),
         can_request=can_request,
         cannot_request_reason=reason if not can_request else None,
+        requisites_text=settings.REFERRAL_WITHDRAWAL_REQUISITES_TEXT,
     )
 
 
diff --git a/app/cabinet/schemas/referral.py b/app/cabinet/schemas/referral.py
index db0c61f8..bacf2e61 100644
--- a/app/cabinet/schemas/referral.py
+++ b/app/cabinet/schemas/referral.py
@@ -76,3 +76,4 @@ class ReferralTermsResponse(BaseModel):
     first_topup_bonus_rubles: float
     inviter_bonus_kopeks: int
     inviter_bonus_rubles: float
+    partner_section_visible: bool = True
diff --git a/app/cabinet/schemas/withdrawals.py b/app/cabinet/schemas/withdrawals.py
index 8500d721..6ceb05c3 100644
--- a/app/cabinet/schemas/withdrawals.py
+++ b/app/cabinet/schemas/withdrawals.py
@@ -22,6 +22,7 @@ class WithdrawalBalanceResponse(BaseModel):
     is_withdrawal_enabled: bool
     can_request: bool
     cannot_request_reason: str | None = None
+    requisites_text: str = ''
 
 
 class WithdrawalCreateRequest(BaseModel):
diff --git a/app/config.py b/app/config.py
index 826e005d..021399f9 100644
--- a/app/config.py
+++ b/app/config.py
@@ -230,7 +230,9 @@ class Settings(BaseSettings):
     REFERRAL_WITHDRAWAL_MIN_AMOUNT_KOPEKS: int = 100000  # Мин. сумма вывода (1000₽)
     REFERRAL_WITHDRAWAL_COOLDOWN_DAYS: int = 30  # Частота запросов на вывод
     REFERRAL_WITHDRAWAL_ONLY_REFERRAL_BALANCE: bool = True  # Только реф. баланс (False = реф + свой)
+    REFERRAL_WITHDRAWAL_REQUISITES_TEXT: str = ''  # Текст-подсказка для реквизитов при выводе
     REFERRAL_WITHDRAWAL_NOTIFICATIONS_TOPIC_ID: int | None = None  # Топик для уведомлений
+    REFERRAL_PARTNER_SECTION_VISIBLE: bool = True  # Показывать раздел партнёрки в кабинете
 
     # Настройки анализа на подозрительность
     REFERRAL_WITHDRAWAL_SUSPICIOUS_MIN_DEPOSIT_KOPEKS: int = 50000  # Мин. сумма от 1 реферала (500₽)