diff --git a/TalerWallet1/Views/Sheets/WithdrawBankIntegrated/WithdrawUriScan.swift b/TalerWallet1/Views/Sheets/WithdrawBankIntegrated/WithdrawUriScan.swift
index 559dad2a..fa3ebc7a 100755
--- a/TalerWallet1/Views/Sheets/WithdrawBankIntegrated/WithdrawUriScan.swift
+++ b/TalerWallet1/Views/Sheets/WithdrawBankIntegrated/WithdrawUriScan.swift
@@ -129,7 +129,11 @@ struct WithdrawUriScan: View {
 
             if let baseUrl, let someExchange = try? await controller.checkCurrencyInfo(for: baseUrl) {
                 symLog.log("Info(for: \(baseUrl.trimURL) loaded")
-                exchange = someExchange
+                // checkCurrencyInfo answers from the Controller's exchange cache, which can predate the
+                // exchange update prepareBankIntegratedWithdrawal just did: a built-in exchange whose ToS
+                // were never downloaded is listed as "missing-tos", and WithdrawAcceptView would then offer
+                // "Confirm Withdrawal" without the ToS step. Use wallet-core's current entry instead.
+                exchange = (try? await model.getExchangeByUrl(url: baseUrl, viewHandles: true)) ?? someExchange
             } else {
                 exchangeError = true
             }