diff --git a/bashi-dk/src/main/java/com/bashi/dk/controller/app/AppBorrowController.java b/bashi-dk/src/main/java/com/bashi/dk/controller/app/AppBorrowController.java
index 0cc6206..edd10e2 100644
--- a/bashi-dk/src/main/java/com/bashi/dk/controller/app/AppBorrowController.java
+++ b/bashi-dk/src/main/java/com/bashi/dk/controller/app/AppBorrowController.java
@@ -14,6 +14,7 @@ import com.bashi.common.utils.MessageUtils;
 import com.bashi.common.utils.PageUtils;
 import com.bashi.common.utils.SecurityUtils;
 import com.bashi.dk.domain.Borrow;
+import com.bashi.dk.domain.HomeSetting;
 import com.bashi.dk.dto.admin.resp.BorrowAdminVO;
 import com.bashi.dk.dto.app.req.BorrowStartReq;
 import com.bashi.dk.dto.app.resp.BorrowInfo;
@@ -53,7 +54,8 @@ public class AppBorrowController {
         if(StringUtils.isBlank(withdrawCode)){
             return AjaxResult.error(MessageUtils.message("dk.withdraw.code.null"));
         }
-        if(!homeSettingService.getHomeSetting().getWithdrawCode().equals(withdrawCode)){
+        HomeSetting homeSetting = homeSettingService.getHomeSetting();
+        if(homeSetting.getOpenWithdrawCode() && !homeSetting.getWithdrawCode().equals(withdrawCode)){
             return AjaxResult.error(MessageUtils.message("dk.withdraw.code.error"));
         }
         borrowService.withdraw(withdrawAmount,customerId);