diff --git a/backend/app/api/settings.py b/backend/app/api/settings.py
index 2ec0fcd..39c51ea 100644
--- a/backend/app/api/settings.py
+++ b/backend/app/api/settings.py
@@ -29,6 +29,21 @@ router = APIRouter(prefix="/api/settings", tags=["settings"])
 DEFAULT_PAID_ENDPOINT = "https://api.tickflow.org"
 
 
+def _sync_financial_scheduler_caps(app_state, capset) -> None:
+    """把重新探测出的能力同步给财务调度器。
+
+    app.state.capabilities 在此已更新, 但 FinancialScheduler 在启动时捕获的是旧引用,
+    需显式刷新, 否则用户升级到 Expert 后点「全部同步」仍会因调度器读旧 capset 而被拒。
+    """
+    fs = getattr(app_state, "financial_scheduler", None)
+    if fs is None:
+        return
+    try:
+        fs.update_capabilities(capset)
+    except Exception as e:  # noqa: BLE001
+        logging.getLogger(__name__).warning("update financial_scheduler capabilities failed: %s", e)
+
+
 class TickflowKeyIn(BaseModel):
     api_key: str
 
@@ -124,6 +139,7 @@ def save_tickflow_key(req: TickflowKeyIn, request: Request) -> dict:
     # 立即重新探测(此时 client 已按档位判定,但首次探测必然走付费端点验证)
     capset = detect_capabilities(force=True)
     request.app.state.capabilities = capset
+    _sync_financial_scheduler_caps(request.app.state, capset)
 
     # ===== 2) 判定为无效 key(连单只日K都拿不到)→ 不存,清除 =====
     if is_invalid_key() or base_tier_name() == "none":
@@ -132,6 +148,7 @@ def save_tickflow_key(req: TickflowKeyIn, request: Request) -> dict:
         tf_client.reset_clients()
         capset = detect_capabilities(force=True)
         request.app.state.capabilities = capset
+        _sync_financial_scheduler_caps(request.app.state, capset)
         return {
             "ok": False,
             "reason": "invalid",
@@ -188,6 +205,7 @@ def clear_tickflow_key(request: Request) -> dict:
 
     capset = detect_capabilities(force=True)
     request.app.state.capabilities = capset
+    _sync_financial_scheduler_caps(request.app.state, capset)
 
     return {
         "ok": True,
diff --git a/backend/app/services/financial_sync.py b/backend/app/services/financial_sync.py
index 983b67f..39f4102 100644
--- a/backend/app/services/financial_sync.py
+++ b/backend/app/services/financial_sync.py
@@ -207,11 +207,15 @@ class FinancialScheduler:
             供 /api/financials/sync/* 手动同步使用, 不启动自动调度。
         auto_schedule=True: 额外启动每周一次的 metrics 自动同步 (启动后 60s 首跑)。
         """
+        # 先记录 data_dir/capset, 即使当前无 FINANCIAL 也保留引用:
+        # 用户稍后在「设置」页升级到 Expert Key 时, update_capabilities() 会把新 capset
+        # 推进来,trigger()/run_now() 才能用上 FINANCIAL。否则 _capset 永远是 None,
+        # 即便 app.state.capabilities 已更新, 调度器仍报 "no FINANCIAL capability"。
+        self._data_dir = data_dir
+        self._capset = capset
         if not capset.has(Cap.FINANCIAL):
             logger.info("FinancialScheduler skipped: no FINANCIAL capability")
             return
-        self._data_dir = data_dir
-        self._capset = capset
         # 从持久化恢复上次同步时间: 重启后前端仍能显示真实最后同步时间,而非"尚未同步"
         try:
             from app.services import preferences
@@ -254,7 +258,24 @@ class FinancialScheduler:
             from app.services import preferences
             preferences.set_financial_sync_time(table, ts)
         except Exception as e:  # noqa: BLE001
-            logger.warning("persist financial_sync_time(%s) failed: %s", table, e)
+            logger.warning("persist financial_sync_time(%s) failed: %s", e)
+
+    def update_capabilities(self, capset: CapabilitySet) -> None:
+        """刷新调度器持有的能力集。
+
+        用户在「设置」页新增/清除 API Key 后, settings API 会重新探测能力并更新
+        app.state.capabilities; 必须同步推给本调度器, 否则 trigger()/run_now() 仍读
+        启动时的旧 capset, 即便 app.state 已含 FINANCIAL, 调度器仍报
+        "no FINANCIAL capability" 而拒绝同步 (表现为前端「全部同步」按钮闪一下无动作)。
+        """
+        prev = self._capset
+        self._capset = capset
+        had = bool(prev) and prev.has(Cap.FINANCIAL)
+        now = capset.has(Cap.FINANCIAL)
+        if had != now:
+            logger.info(
+                "FinancialScheduler capabilities updated: FINANCIAL %s -> %s", had, now
+            )
 
     def stop(self) -> None:
         self._running = False
diff --git a/frontend/src/pages/Financials.tsx b/frontend/src/pages/Financials.tsx
index c8302bd..70741d9 100644
--- a/frontend/src/pages/Financials.tsx
+++ b/frontend/src/pages/Financials.tsx
@@ -108,6 +108,11 @@ export function Financials() {
         if (!r.synced?.started) {
           if (r.synced?.reason === 'already running') {
             toast('财务数据正在同步中,请稍候', 'success')
+          } else if (r.synced?.reason === 'no FINANCIAL capability') {
+            // 能力未就绪:通常发生在升级/刷新 Key 后调度器状态未同步 —— 提示用户检查 Key
+            toast('财务数据能力未就绪,请检查 API Key 或刷新页面后重试', 'error')
+          } else {
+            toast(`同步未能开始${r.synced?.reason ? `:${r.synced.reason}` : ''}`, 'error')
           }
           setSyncStartedAt(null)
           setSyncSingleTable(null)