diff --git a/src/main/java/org/umc/valuedi/domain/mbti/service/FinanceMbtiService.java b/src/main/java/org/umc/valuedi/domain/mbti/service/FinanceMbtiService.java
index b675c65e..50bc1c1c 100644
--- a/src/main/java/org/umc/valuedi/domain/mbti/service/FinanceMbtiService.java
+++ b/src/main/java/org/umc/valuedi/domain/mbti/service/FinanceMbtiService.java
@@ -1,6 +1,7 @@
 package org.umc.valuedi.domain.mbti.service;
 
 import lombok.RequiredArgsConstructor;
+import lombok.extern.slf4j.Slf4j;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 import org.umc.valuedi.domain.mbti.converter.FinanceMbtiTestConverter;
@@ -12,11 +13,13 @@
 import org.umc.valuedi.domain.mbti.validator.FinanceMbtiTestValidator;
 import org.umc.valuedi.domain.member.entity.Member;
 import org.umc.valuedi.domain.member.repository.MemberRepository;
+import org.umc.valuedi.domain.savings.service.RecommendationService;
 
 import java.util.List;
 import java.util.Map;
 import java.util.stream.Collectors;
 
+@Slf4j
 @Service
 @RequiredArgsConstructor
 @Transactional
@@ -28,6 +31,7 @@ public class FinanceMbtiService {
     private final FinanceMbtiScoringService scoringService;
     private final FinanceMbtiTestValidator financeMbtiTestValidator;
     private final FinanceMbtiTestConverter financeMbtiTestConverter;
+    private final RecommendationService recommendationService;
 
     public MemberMbtiTest submitTest(Long memberId, FinanceMbtiTestRequestDto req) {
 
@@ -46,9 +50,17 @@ public MemberMbtiTest submitTest(Long memberId, FinanceMbtiTestRequestDto req) {
                 ));
 
         FinanceMbtiScoringService.ScoreResult score = scoringService.score(activeQuestions, answersByQuestionId);
-
         MemberMbtiTest test = financeMbtiTestConverter.toEntity(member, req, score, activeQuestionMap);
 
-        return memberMbtiTestRepository.save(test);
+        MemberMbtiTest savedTest = memberMbtiTestRepository.save(test);
+
+        try {
+            recommendationService.generateAndSaveRecommendations(memberId);
+            log.info("[Recommend] MBTI 검사 후 자동 추천 생성 성공. memberId={}", memberId);
+        } catch (Exception e) {
+            // 제미나이 호출이 실패해도 MBTI 저장은 유지되도록 예외를 삼키고 로그만 남김
+            log.error("[Recommend] MBTI 저장에는 성공했으나, 자동 추천 생성 중 오류 발생. memberId={}: {}", memberId, e.getMessage());
+        }
+        return savedTest;
     }
 }
diff --git a/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationController.java b/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationController.java
index 8f30b05a..57e1e2ef 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationController.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationController.java
@@ -3,11 +3,7 @@
 import lombok.RequiredArgsConstructor;
 import org.springframework.web.bind.annotation.*;
 import org.umc.valuedi.domain.savings.dto.response.SavingsResponseDTO;
-import org.umc.valuedi.domain.savings.entity.RecommendationBatch;
-import org.umc.valuedi.domain.savings.enums.RecommendationStatus;
-import org.umc.valuedi.domain.savings.service.RecommendationAsyncWorker;
 import org.umc.valuedi.domain.savings.service.RecommendationService;
-import org.umc.valuedi.domain.savings.service.RecommendationTxService;
 import org.umc.valuedi.global.apiPayload.ApiResponse;
 import org.umc.valuedi.global.apiPayload.code.GeneralSuccessCode;
 import org.umc.valuedi.global.security.annotation.CurrentMember;
@@ -18,28 +14,14 @@
 public class RecommendationController implements RecommendationControllerDocs {
 
     private final RecommendationService recommendationService;
-    private final RecommendationTxService recommendationTxService;
-    private final RecommendationAsyncWorker recommendationAsyncWorker;
 
-    // 추천 생성 트리거(비동기)
+    // 추천 생성
     @PostMapping
-    public ApiResponse<SavingsResponseDTO.TriggerResponse> recommend(
+    public ApiResponse<SavingsResponseDTO.SavingsListResponse> recommend(
             @CurrentMember Long memberId
     ) {
-        SavingsResponseDTO.TriggerDecision triggerDecision = recommendationTxService.triggerRecommendation(memberId);
-
-        // 진행 중이면 새로 실행하지 않음
-        if (triggerDecision.shouldStartAsync()) {
-            recommendationAsyncWorker.generateAndSaveAsync(memberId, triggerDecision.batchId());
-        }
-
-        return ApiResponse.onSuccess(GeneralSuccessCode.ACCEPTED,
-                SavingsResponseDTO.TriggerResponse.builder()
-                        .batchId(triggerDecision.batchId())
-                        .status(triggerDecision.status())
-                        .message(triggerDecision.message())
-                        .build()
-        );
+        SavingsResponseDTO.SavingsListResponse result = recommendationService.generateAndSaveRecommendations(memberId);
+        return ApiResponse.onSuccess(GeneralSuccessCode.OK, result);
     }
 
     // 최신 추천 15개 조회
diff --git a/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationControllerDocs.java b/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationControllerDocs.java
index 866ad3e9..79a1caf5 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationControllerDocs.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/controller/RecommendationControllerDocs.java
@@ -16,68 +16,42 @@
 public interface RecommendationControllerDocs {
 
     @Operation(
-            summary = "적금 추천 생성 트리거 API (비동기)",
+            summary = "[개발/수동 갱신용] 적금 추천 생성 API",
             description = """
-                    로그인 사용자(JWT)의 금융 MBTI 결과를 바탕으로, Gemini 추천 생성 작업을 비동기로 트리거
+                    **주의: 일반적인 서비스 흐름에서는 MBTI 검사 완료 시 서버 내부에서 자동 호출됩니다.**
                     
-                    - 최초 요청 시: recommendation_batch를 PENDING으로 생성하고 202(ACCEPTED) 반환
-                    - 이미 추천 생성 중(PENDING/PROCESSING)인 경우: 기존 batchId를 반환하며 재실행하지 않음
-                    - 이미 최신 추천이 존재(SUCCESS)하고 MBTI 테스트가 동일한 경우: 재생성하지 않고 안내 메시지 반환
-                    
-                    추천 결과는 조회 API(GET)로 확인
+                    - 로그인 사용자(JWT)의 현재 MBTI를 바탕으로 Gemini 추천을 생성하고 DB를 갱신합니다.
+                    - 응답 속도는 Gemini API 호출을 포함하므로 약 3~7초 정도 소요될 수 있습니다
                     """,
             responses = {
                     @io.swagger.v3.oas.annotations.responses.ApiResponse(
-                            responseCode = "COMMON202",
-                            description = "요청이 접수되었습니다.",
+                            responseCode = "COMMON200",
+                            description = "추천 상품 생성 및 저장 성공",
                             content = @Content(
                                     mediaType = "application/json",
                                     schema = @Schema(implementation = ApiResponse.class),
                                     examples = {
                                             @ExampleObject(
-                                                    name = "pending",
-                                                    summary = "신규 트리거(PENDING)",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": true,
-                                                      "code": "COMMON202",
-                                                      "message": "요청이 접수되었습니다.",
-                                                      "result": {
-                                                        "batchId": 12,
-                                                        "status": "PENDING",
-                                                        "message": "추천 상품을 생성 중입니다. 잠시 후 조회 API로 확인해 주세요."
-                                                      }
-                                                    }
-                                                    """
-                                            ),
-                                            @ExampleObject(
-                                                    name = "alreadyProcessing",
-                                                    summary = "이미 생성 중(PENDING/PROCESSING)",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": true,
-                                                      "code": "COMMON202",
-                                                      "message": "요청이 접수되었습니다.",
-                                                      "result": {
-                                                        "batchId": 12,
-                                                        "status": "PROCESSING",
-                                                        "message": "추천을 생성 중입니다. 잠시 후 조회 API로 확인해 주세요."
-                                                      }
-                                                    }
-                                                    """
-                                            ),
-                                            @ExampleObject(
-                                                    name = "alreadySuccess",
-                                                    summary = "이미 최신 추천 존재(SUCCESS)",
+                                                    name = "success",
+                                                    summary = "추천 생성 성공 예시",
                                                     value = """
                                                     {
                                                       "isSuccess": true,
-                                                      "code": "COMMON202",
-                                                      "message": "요청이 접수되었습니다.",
+                                                      "code": "COMMON200",
+                                                      "message": "요청이 성공적으로 처리되었습니다.",
                                                       "result": {
-                                                        "batchId": 10,
-                                                        "status": "SUCCESS",
-                                                        "message": "이미 최신 추천이 존재합니다. 조회 API로 확인해 주세요."
+                                                        "totalCount": 15,
+                                                        "maxPageNo": 1,
+                                                        "nowPageNo": 1,
+                                                        "products": [
+                                                          {
+                                                            "korCoNm": "OO은행",
+                                                            "finPrdtCd": "ABC123",
+                                                            "finPrdtNm": "OO정기적금",
+                                                            "rsrvType": "S",
+                                                            "rsrvTypeNm": "정액적립식"
+                                                          }
+                                                        ]
                                                       }
                                                     }
                                                     """
@@ -86,50 +60,26 @@ public interface RecommendationControllerDocs {
                             )
                     ),
                     @io.swagger.v3.oas.annotations.responses.ApiResponse(
-                            responseCode = "MBTI404_3",
-                            description = "해당 MBTI 유형 정보가 존재하지 않습니다.",
+                            responseCode = "SAVINGS500_1",
+                            description = "AI 추천 생성 실패 (Gemini 호출 실패 등)",
                             content = @Content(
                                     mediaType = "application/json",
-                                    examples = {
-                                            @ExampleObject(
-                                                    name = "typeInfoNotFound",
-                                                    summary = "MBTI 타입 정보 미존재",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": false,
-                                                      "code": "MBTI404_3",
-                                                      "message": "해당 MBTI 유형 정보가 존재하지 않습니다.",
-                                                      "result": null
-                                                    }
-                                                    """
-                                            )
-                                    }
-                            )
-                    ),
-                    @io.swagger.v3.oas.annotations.responses.ApiResponse(
-                            responseCode = "GEMINI502_2",
-                            description = "Gemini API 호출에 실패했습니다.",
-                            content = @Content(
-                                    mediaType = "application/json",
-                                    examples = {
-                                            @ExampleObject(
-                                                    name = "geminiFail",
-                                                    summary = "Gemini 호출 실패",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": false,
-                                                      "code": "GEMINI502_2",
-                                                      "message": "Gemini API 호출에 실패했습니다.",
-                                                      "result": null
-                                                    }
-                                                    """
-                                            )
-                                    }
+                                    examples = @ExampleObject(
+                                            name = "fail",
+                                            value = """
+                                            {
+                                              "isSuccess": false,
+                                              "code": "SAVINGS500_1",
+                                              "message": "AI 추천 생성에 실패했습니다. 다시 시도해 주세요.",
+                                              "result": null
+                                            }
+                                            """
+                                    )
                             )
                     )
             }
     )
-    ApiResponse<SavingsResponseDTO.TriggerResponse> recommend(
+    ApiResponse<SavingsResponseDTO.SavingsListResponse> recommend(
             @CurrentMember Long memberId
     );
 
@@ -138,9 +88,6 @@ ApiResponse<SavingsResponseDTO.TriggerResponse> recommend(
             description = """
                     로그인 사용자(JWT)의 '현재 활성 MBTI 테스트' 기준으로
                     DB에 저장된 최신 추천 15개를 조회 (Gemini 호출 X)
-                    
-                    - 추천이 아직 생성되지 않았으면 status=PENDING, message에 안내 문구 포함
-                    - 추천 생성에 실패한 경우 status=FAILED, message에 실패 안내 포함
                     """,
             responses = {
                     @io.swagger.v3.oas.annotations.responses.ApiResponse(
@@ -170,68 +117,19 @@ ApiResponse<SavingsResponseDTO.TriggerResponse> recommend(
                                                             "rsrvType": "S",
                                                             "rsrvTypeNm": "정액적립식"
                                                           }
-                                                        ],
-                                                        "status": "SUCCESS",
-                                                        "message": null
-                                                      }
-                                                    }
-                                                    """
-                                            ),
-                                            @ExampleObject(
-                                                    name = "pending",
-                                                    summary = "추천 생성 중(PENDING)",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": true,
-                                                      "code": "COMMON200",
-                                                      "message": "요청이 성공적으로 처리되었습니다.",
-                                                      "result": {
-                                                        "totalCount": 0,
-                                                        "maxPageNo": 1,
-                                                        "nowPageNo": 1,
-                                                        "products": [],
-                                                        "status": "PENDING",
-                                                        "message": "추천 상품을 추천 중입니다. 잠시 후 다시 조회해 주세요."
+                                                        ]
                                                       }
                                                     }
                                                     """
                                             ),
                                             @ExampleObject(
-                                                    name = "noResultForType",
-                                                    summary = "해당 적립유형 결과 없음(필터로 인해 비어있음)",
-                                                    value = """
-                                                    {
-                                                      "isSuccess": true,
-                                                      "code": "COMMON200",
-                                                      "message": "요청이 성공적으로 처리되었습니다.",
-                                                      "result": {
-                                                        "totalCount": 0,
-                                                        "maxPageNo": 1,
-                                                        "nowPageNo": 1,
-                                                        "products": [],
-                                                        "status": "SUCCESS",
-                                                        "message": "조건에 맞는 추천 결과가 없습니다."
-                                                      }
-                                                    }
-                                                    """
-                                            )
-                                    }
-                            )
-                    ),
-                    @io.swagger.v3.oas.annotations.responses.ApiResponse(
-                            responseCode = "MBTI404_3",
-                            description = "해당 MBTI 유형 정보가 존재하지 않습니다.",
-                            content = @Content(
-                                    mediaType = "application/json",
-                                    examples = {
-                                            @ExampleObject(
-                                                    name = "typeInfoNotFound",
-                                                    summary = "MBTI 타입 정보 미존재",
+                                                    name = "noHistory",
+                                                    summary = "추천 내역 없음 (MBTI 검사 미실행 등)",
                                                     value = """
                                                     {
                                                       "isSuccess": false,
-                                                      "code": "MBTI404_3",
-                                                      "message": "해당 MBTI 유형 정보가 존재하지 않습니다.",
+                                                      "code": "SAVINGS404_2",
+                                                      "message": "아직 추천받은 내역이 없습니다. 먼저 상품 추천을 진행해 주세요.",
                                                       "result": null
                                                     }
                                                     """
@@ -255,9 +153,6 @@ ApiResponse<SavingsResponseDTO.SavingsListResponse> latest15(
             description = """
                     로그인 사용자(JWT)의 '현재 활성 MBTI 테스트' 기준으로
                     DB에 저장된 최신 추천 Top3를 조회 (Gemini 호출 X)
-                    
-                    - 추천이 아직 생성되지 않았으면 status=PENDING, message에 안내 문구 포함
-                    - 추천 생성에 실패한 경우 status=FAILED, message에 실패 안내 포함
                     """,
             responses = {
                     @io.swagger.v3.oas.annotations.responses.ApiResponse(
@@ -287,29 +182,20 @@ ApiResponse<SavingsResponseDTO.SavingsListResponse> latest15(
                                                             "rsrvType": "S",
                                                             "rsrvTypeNm": "정액적립식"
                                                           }
-                                                        ],
-                                                        "status": "SUCCESS",
-                                                        "message": null
+                                                        ]
                                                       }
                                                     }
                                                     """
                                             ),
                                             @ExampleObject(
-                                                    name = "pending",
-                                                    summary = "추천 생성 중(PENDING)",
+                                                    name = "noHistory",
+                                                    summary = "추천 내역 없음 (SAVINGS404_2)",
                                                     value = """
                                                     {
-                                                      "isSuccess": true,
-                                                      "code": "COMMON200",
-                                                      "message": "요청이 성공적으로 처리되었습니다.",
-                                                      "result": {
-                                                        "totalCount": 0,
-                                                        "maxPageNo": 1,
-                                                        "nowPageNo": 1,
-                                                        "products": [],
-                                                        "status": "PENDING",
-                                                        "message": "추천 상품을 추천 중입니다. 잠시 후 다시 조회해 주세요."
-                                                      }
+                                                      "isSuccess": false,
+                                                      "code": "SAVINGS404_2",
+                                                      "message": "아직 추천받은 내역이 없습니다. 먼저 상품 추천을 진행해 주세요.",
+                                                      "result": null
                                                     }
                                                     """
                                             )
@@ -382,7 +268,6 @@ ApiResponse<SavingsResponseDTO.SavingsListResponse> latestTop3(
                                     examples = {
                                             @ExampleObject(
                                                     name = "notFound",
-                                                    summary = "상품 미존재 예시",
                                                     value = """
                                                     {
                                                       "isSuccess": false,
diff --git a/src/main/java/org/umc/valuedi/domain/savings/converter/SavingsConverter.java b/src/main/java/org/umc/valuedi/domain/savings/converter/SavingsConverter.java
index cc26df79..575abbd4 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/converter/SavingsConverter.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/converter/SavingsConverter.java
@@ -89,8 +89,8 @@ public static SavingsResponseDTO.SavingsListResponse toSavingsListResponseDTO(Li
 
         return SavingsResponseDTO.SavingsListResponse.builder()
                 .totalCount(totalCount)
-                .maxPageNo(maxPageNo)
                 .nowPageNo(nowPageNo)
+                .hasNext(nowPageNo < maxPageNo)
                 .products(products)
                 .build();
     }
@@ -109,22 +109,31 @@ public static SavingsResponseDTO.SavingsDetailResponse toSavingsDetailResponseDT
                 ))
                 .toList();
 
-        SavingsResponseDTO.SavingsDetailResponse.SavingProductDetail product = new SavingsResponseDTO.SavingsDetailResponse.SavingProductDetail(
-                savings.getKorCoNm(),
-                savings.getFinPrdtCd(),
-                savings.getFinPrdtNm(),
-                savings.getJoinWay(),
-                savings.getMtrtInt(),
-                savings.getSpclCnd(),
-                savings.getJoinDeny(),
-                savings.getJoinMember(),
-                savings.getEtcNote(),
-                savings.getMaxLimit() == null ? null : String.valueOf(savings.getMaxLimit()),
-                options
-        );
+        SavingsOption representativeOption = savings.getSavingsOptionList().stream()
+                .filter(o -> Integer.valueOf(12).equals(o.getSaveTrm()))
+                .findFirst()
+                .orElseGet(() -> savings.getSavingsOptionList().stream()
+                        .filter(o -> o.getIntrRate2() != null)
+                        .max(java.util.Comparator.comparing(SavingsOption::getIntrRate2))
+                        .orElse(null));
+
+        Double basicRate = (representativeOption != null) ? representativeOption.getIntrRate() : null;
+        Double maxRate = (representativeOption != null) ? representativeOption.getIntrRate2() : null;
 
         return SavingsResponseDTO.SavingsDetailResponse.builder()
-                .product(product)
+                .korCoNm(savings.getKorCoNm())
+                .finPrdtCd(savings.getFinPrdtCd())
+                .finPrdtNm(savings.getFinPrdtNm())
+                .basicRate(basicRate)
+                .maxRate(maxRate)
+                .joinWay(savings.getJoinWay())
+                .mtrtInt(savings.getMtrtInt())
+                .spclCnd(savings.getSpclCnd())
+                .joinDeny(savings.getJoinDeny())
+                .joinMember(savings.getJoinMember())
+                .etcNote(savings.getEtcNote())
+                .maxLimit(savings.getMaxLimit() == null ? null : String.valueOf(savings.getMaxLimit()))
+                .options(options)
                 .build();
     }
 
diff --git a/src/main/java/org/umc/valuedi/domain/savings/dto/response/SavingsResponseDTO.java b/src/main/java/org/umc/valuedi/domain/savings/dto/response/SavingsResponseDTO.java
index 0f753bec..e4048b4f 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/dto/response/SavingsResponseDTO.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/dto/response/SavingsResponseDTO.java
@@ -11,11 +11,9 @@ public class SavingsResponseDTO {
     @Builder
     public record SavingsListResponse(
             int totalCount,  // 총 상품건수
-            int maxPageNo,  // 총 페이지 건수
-            int nowPageNo,  // 현재 조회 페이지 번호
-            List<RecommendedSavingProduct> products,  // 상품 목록
-            RecommendationStatus status,  // 상품 추천 상태 (PENDING | SUCCESS | FAILED)
-            String message  // 상품 추천 상태 메시지
+            int nowPageNo,  // 현재 페이지
+            boolean hasNext,  // 다음 페이지 존재 여부
+            List<RecommendedSavingProduct> products // 상품 목록
     ) {
         // 상품 목록 조회
         public record RecommendedSavingProduct(
@@ -29,23 +27,20 @@ public record RecommendedSavingProduct(
 
     @Builder
     public record SavingsDetailResponse(
-            SavingProductDetail product  // 상품
+            String korCoNm,
+            String finPrdtCd,
+            String finPrdtNm,
+            Double basicRate,
+            Double maxRate,
+            String joinWay,
+            String mtrtInt,
+            String spclCnd,
+            String joinDeny,
+            String joinMember,
+            String etcNote,
+            String maxLimit,
+            List<Option> options
     ) {
-        // 적금 상품 상세 조회
-        public record SavingProductDetail (
-                String korCoNm,  // 금융회사 명
-                String finPrdtCd,  // 금융상품 코드
-                String finPrdtNm,  // 금융 상품명
-                String joinWay,  // 가입 방법
-                String mtrtInt,  // 만기 후 이자율
-                String spclCnd,  // 우대조건
-                String joinDeny,  // 가입 제한
-                String joinMember,  // 가입대상
-                String etcNote,  // 기타 유의사항
-                String maxLimit,  // 최고한도
-                List<Option> options
-        ) {}
-
         public record Option (
                 String intrRateType,  // 저축 금리 유형
                 String intrRateTypeNm,  // 저축 금리 유형명
@@ -72,19 +67,4 @@ public record RecommendedProduct(
             String rsrvTypeNm,
             BigDecimal score
     ) {}
-
-    @Builder
-    public record TriggerResponse(
-            Long batchId,
-            RecommendationStatus status,  // PENDING | SUCCESS | FAILED
-            String message
-    ) {}
-
-    @Builder
-    public record TriggerDecision(
-            Long batchId,
-            RecommendationStatus status,
-            String message,
-            boolean shouldStartAsync
-    ) {}
 }
diff --git a/src/main/java/org/umc/valuedi/domain/savings/exception/code/SavingsErrorCode.java b/src/main/java/org/umc/valuedi/domain/savings/exception/code/SavingsErrorCode.java
index 345496de..87d7eba5 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/exception/code/SavingsErrorCode.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/exception/code/SavingsErrorCode.java
@@ -9,7 +9,10 @@
 @AllArgsConstructor
 public enum SavingsErrorCode implements BaseErrorCode {
 
-    SAVINGS_NOT_FOUND(HttpStatus.NOT_FOUND, "SAVINGS404_1", "해당 적금 상품을 찾을 수 없습니다.")
+    SAVINGS_NOT_FOUND(HttpStatus.NOT_FOUND, "SAVINGS404_1", "해당 적금 상품을 찾을 수 없습니다."),
+    RECOMMENDATION_NOT_FOUND(HttpStatus.NOT_FOUND, "SAVINGS404_2", "아직 추천받은 내역이 없습니다. 먼저 상품 추천을 진행해 주세요."),
+    FILTERED_RECOMMENDATION_NOT_FOUND(HttpStatus.NOT_FOUND, "SAVINGS400_1", "해당 필터 조건에 맞는 추천 상품이 없습니다."),
+    RECOMMENDATION_FAILED(HttpStatus.INTERNAL_SERVER_ERROR, "SAVINGS500_1", "AI 추천 생성에 실패했습니다. 다시 시도해 주세요.")
     ;
 
     private final HttpStatus status;
diff --git a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationAsyncWorker.java b/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationAsyncWorker.java
deleted file mode 100644
index b5f9caac..00000000
--- a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationAsyncWorker.java
+++ /dev/null
@@ -1,51 +0,0 @@
-package org.umc.valuedi.domain.savings.service;
-
-import lombok.RequiredArgsConstructor;
-import lombok.extern.slf4j.Slf4j;
-import org.springframework.scheduling.annotation.Async;
-import org.springframework.stereotype.Service;
-import org.umc.valuedi.global.external.genai.exception.GeminiException;
-import org.umc.valuedi.global.external.genai.exception.code.GeminiErrorCode;
-
-@Slf4j
-@Service
-@RequiredArgsConstructor
-public class RecommendationAsyncWorker {
-
-    private final RecommendationService recommendationService;
-    private final RecommendationTxService recommendationTxService;
-
-    @Async("recommendationExecutor")
-    public void generateAndSaveAsync(Long memberId, Long batchId) {
-        try {
-            recommendationTxService.markProcessing(batchId);
-            recommendationService.generateAndSaveRecommendations(memberId);
-            recommendationTxService.markSuccess(batchId);
-        } catch (GeminiException ge) {
-            log.error("[RecommendAsync] failed. memberId={}, batchId={}", memberId, batchId, ge);
-
-            String msg;
-            GeminiErrorCode code = ge.getErrorCode();
-
-            if (code == GeminiErrorCode.GEMINI_QUOTA_EXCEEDED) {
-                msg = "Gemini 사용량/요청 제한이 초과되었습니다. 잠시 후(또는 내일) 다시 시도해 주세요.";
-            } else if (code == GeminiErrorCode.GEMINI_TIMEOUT) {
-                msg = "추천 생성 시간이 초과되었습니다. 잠시 후 다시 시도해 주세요.";
-            } else {
-                msg = "추천 생성에 실패했습니다. 잠시 후 다시 시도해 주세요.";
-            }
-
-            recommendationTxService.markFailed(batchId, msg);
-        } catch (Exception e) {
-            log.error("[RecommendAsync] failed. memberId={}, batchId={}", memberId, batchId, e);
-            recommendationTxService.markFailed(batchId, safeMsg(e));
-        }
-    }
-
-    private String safeMsg(Exception e) {
-        String msg = e.getMessage();
-        if (msg == null || msg.isBlank()) return e.getClass().getSimpleName();
-        return msg.length() > 450 ? msg.substring(0, 450) : msg;
-    }
-}
-
diff --git a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationService.java b/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationService.java
index 8305b221..b0eeb84d 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationService.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationService.java
@@ -16,7 +16,6 @@
 import org.umc.valuedi.domain.savings.converter.SavingsConverter;
 import org.umc.valuedi.domain.savings.dto.response.SavingsResponseDTO;
 import org.umc.valuedi.domain.savings.entity.Recommendation;
-import org.umc.valuedi.domain.savings.entity.RecommendationBatch;
 import org.umc.valuedi.domain.savings.entity.Savings;
 import org.umc.valuedi.domain.savings.entity.SavingsOption;
 import org.umc.valuedi.domain.savings.enums.RecommendationStatus;
@@ -55,38 +54,24 @@ public class RecommendationService {
     private final RecommendationTxService recommendationTxService;
 
     @Transactional
-    public void generateAndSaveRecommendations(Long memberId) {
+    public SavingsResponseDTO.SavingsListResponse generateAndSaveRecommendations(Long memberId) {
         // 금융 mbti 최신 결과 조회
         MemberMbtiTest memberMbtiTest = memberMbtiTestRepository.findCurrentActiveTest(memberId)
                 .orElseThrow(() -> new MbtiException(MbtiErrorCode.TYPE_INFO_NOT_FOUND));
 
-        Long memberMbtiTestId = memberMbtiTest.getId();
-
-        // 멱등성(중복 저장 방지)
-        boolean exists = recommendationRepository.existsByMemberIdAndMemberMbtiTestId(memberId, memberMbtiTestId);
-        if (exists) {
-            log.info("[RecommendAsync] already exists. memberId={}, mbtiTestId={}", memberId, memberMbtiTestId);
-            return;
-        }
-
         // 추천 상품 후보 조회
         Pageable candidatePage = PageRequest.of(0, CANDIDATE_LIMIT);
         List<SavingsOption> candidates = savingsOptionRepository.findCandidates(candidatePage);
 
-        if (candidates.isEmpty()) {
-            log.warn("[RecommendAsync] no candidates. memberId={}", memberId);
-            return;
-        }
-
         // 제미나이 프롬프트 생성
         MbtiType mbtiType = memberMbtiTest.getResultType();
         FinanceMbtiTypeInfoDto financeMbtiTypeInfo = financeMbtiProvider.get(mbtiType);
         String prompt = buildPrompt(mbtiType, financeMbtiTypeInfo, candidates, RECOMMEND_COUNT);
 
         // 제미나이 호출
-        log.info("[RecommendAsync] Gemini request. memberId={}, promptChars={}", memberId, prompt.length());
+        log.info("[Recommend] Gemini request. memberId={}, promptChars={}", memberId, prompt.length());
         String raw = geminiClient.generateText(prompt);
-        log.info("[RecommendAsync] Gemini response. memberId={}, rawChars={}", memberId, raw == null ? 0 : raw.length());
+        log.info("[Recommend] Gemini response. memberId={}, rawChars={}", memberId, raw == null ? 0 : raw.length());
 
         // JSON 파싱
         GeminiSavingsResponseDTO.Result parsed = parseGeminiJson(raw);
@@ -99,13 +84,16 @@ public void generateAndSaveRecommendations(Long memberId) {
                 .toList();
 
         if (items.isEmpty()) {
-            log.warn("[RecommendAsync] parsed items empty. memberId={}", memberId);
-            return;
+            throw new SavingsException(SavingsErrorCode.RECOMMENDATION_FAILED);
         }
+        SavingsResponseDTO.RecommendResponse savedResult = recommendationTxService.saveRecommendations(memberId, memberMbtiTest, parsed, items);
 
-        // 추천 결과 저장
-        recommendationTxService.saveRecommendations(memberId, memberMbtiTest, parsed, items);
-        log.info("[RecommendAsync] saved. memberId={}, mbtiTestId={}", memberId, memberMbtiTestId);
+        List<Savings> savingsList = items.stream()
+                .map(i -> savingsRepository.findByFinPrdtCd(i.finPrdtCd()).orElse(null))
+                .filter(Objects::nonNull)
+                .toList();
+
+        return SavingsConverter.toSavingsListResponseDTO(savingsList, savingsList.size(), 1, 1);
     }
 
     // 추천 상품 15개 조회
@@ -118,54 +106,25 @@ public SavingsResponseDTO.SavingsListResponse getRecommendation(Long memberId, S
         Pageable pageable = PageRequest.of(0, RECOMMEND_COUNT);
         List<Recommendation> recs = recommendationRepository.findLatestByMemberAndMemberMbtiTestId(memberId, mbtiTestId, pageable);
 
+        if (recs.isEmpty()) {
+            throw new SavingsException(SavingsErrorCode.RECOMMENDATION_NOT_FOUND);
+        }
+
         String normalized = (rsrvType == null ? null : rsrvType.trim().toUpperCase()); // "S" or "F" or null
 
-        List<SavingsResponseDTO.SavingsListResponse.RecommendedSavingProduct> products = recs.stream()
+        List<Savings> filteredSavings = recs.stream()
                 .filter(r -> {
                     if (normalized == null || normalized.isBlank()) return true;
                     SavingsOption so = r.getSavingsOption();
                     return so != null && normalized.equals(so.getRsrvType());
                 })
-                .map(r -> {
-                    Savings s = r.getSavings();
-                    SavingsOption so = r.getSavingsOption();
-                    return new SavingsResponseDTO.SavingsListResponse.RecommendedSavingProduct(
-                            s.getKorCoNm(),
-                            s.getFinPrdtCd(),
-                            s.getFinPrdtNm(),
-                            so == null ? null : so.getRsrvType(),
-                            so == null ? null : so.getRsrvTypeNm()
-                    );
-                })
+                .map(Recommendation::getSavings)
                 .toList();
 
-        boolean hasAnyRecommendationRow = !recs.isEmpty();
-
-        if (products.isEmpty()) {
-            // 추천은 있는데 rsrvType 필터로 인해 0개인 경우
-            if (hasAnyRecommendationRow) {
-                return SavingsResponseDTO.SavingsListResponse.builder()
-                        .totalCount(0)
-                        .nowPageNo(1)
-                        .maxPageNo(1)
-                        .products(List.of())
-                        .status(RecommendationStatus.SUCCESS)
-                        .message("해당 적립 유형의 추천 결과가 없습니다.")
-                        .build();
-            }
-
-            // 추천 자체가 없는 경우
-            return getRecommendationState(memberId);
+        if (filteredSavings.isEmpty()) {
+            throw new SavingsException(SavingsErrorCode.FILTERED_RECOMMENDATION_NOT_FOUND);
         }
-
-        return SavingsResponseDTO.SavingsListResponse.builder()
-                .totalCount(products.size())
-                .nowPageNo(1)
-                .maxPageNo(1)
-                .products(products)
-                .status(RecommendationStatus.SUCCESS)
-                .message(null)
-                .build();
+        return SavingsConverter.toSavingsListResponseDTO(filteredSavings, filteredSavings.size(), 1, 1);
     }
 
     // 추천 상품 Top3 조회
@@ -180,63 +139,17 @@ public SavingsResponseDTO.SavingsListResponse getRecommendationTop3(Long memberI
 
         if (recs.isEmpty()) {
             // 추천 자체가 없는 경우
-            return getRecommendationState(memberId);
+            throw new SavingsException(SavingsErrorCode.RECOMMENDATION_NOT_FOUND);
         }
 
-        List<SavingsResponseDTO.SavingsListResponse.RecommendedSavingProduct> products = recs.stream()
-                .map(r -> {
-                    Savings s = r.getSavings();
-                    SavingsOption so = r.getSavingsOption();
-                    return new SavingsResponseDTO.SavingsListResponse.RecommendedSavingProduct(
-                            s.getKorCoNm(),
-                            s.getFinPrdtCd(),
-                            s.getFinPrdtNm(),
-                            so == null ? null : so.getRsrvType(),
-                            so == null ? null : so.getRsrvTypeNm()
-                    );
-                })
-                .toList();
+        List<Savings> top3Savings = recs.stream().map(Recommendation::getSavings).toList();
 
-        return SavingsResponseDTO.SavingsListResponse.builder()
-                .totalCount(products.size())
-                .nowPageNo(1)
-                .maxPageNo(1)
-                .products(products)
-                .status(RecommendationStatus.SUCCESS)
-                .message(null)
-                .build();
+        return SavingsConverter.toSavingsListResponseDTO(top3Savings, top3Savings.size(), 1, 1);
     }
 
-    private SavingsResponseDTO.SavingsListResponse getRecommendationState(Long memberId) {
-        RecommendationStatus status = RecommendationStatus.PENDING;
-        String message = "추천 상품을 추천 중입니다. 잠시 후 다시 조회해 주세요.";
-
-        Optional<RecommendationBatch> latestBatch = recommendationTxService.findLatestBatch(memberId);
-
-        if (latestBatch.isPresent()) {
-            RecommendationStatus batchStatus = latestBatch.get().getStatus();
-
-            if (batchStatus == RecommendationStatus.FAILED) {
-                status = RecommendationStatus.FAILED;
-                message = "추천 생성에 실패했습니다. 다시 시도해 주세요.";
-            } else if (batchStatus == RecommendationStatus.SUCCESS) {
-                status = RecommendationStatus.SUCCESS;
-                message = "조건에 맞는 추천 결과가 없습니다.";
-            } else {
-                // PENDING/PROCESSING이면 기본값 유지
-            }
-        } else {
-            // 배치 없음이면 기본값 유지
-        }
-
-        return SavingsResponseDTO.SavingsListResponse.builder()
-                .totalCount(0)
-                .nowPageNo(1)
-                .maxPageNo(1)
-                .products(List.of())
-                .status(status)
-                .message(message)
-                .build();
+    // 추천 결과가 없을 때 사용할 공통 응답
+    private SavingsResponseDTO.SavingsListResponse emptyResponse() {
+        return SavingsConverter.toSavingsListResponseDTO(Collections.emptyList(), 0, 1, 1);
     }
 
     private String buildPrompt(
diff --git a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationTxService.java b/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationTxService.java
index 2b8f4e74..b7b60c5c 100644
--- a/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationTxService.java
+++ b/src/main/java/org/umc/valuedi/domain/savings/service/RecommendationTxService.java
@@ -2,13 +2,9 @@
 
 import lombok.RequiredArgsConstructor;
 import lombok.extern.slf4j.Slf4j;
-import org.springframework.data.domain.PageRequest;
 import org.springframework.stereotype.Service;
 import org.springframework.transaction.annotation.Transactional;
 import org.umc.valuedi.domain.mbti.entity.MemberMbtiTest;
-import org.umc.valuedi.domain.mbti.exception.MbtiException;
-import org.umc.valuedi.domain.mbti.exception.code.MbtiErrorCode;
-import org.umc.valuedi.domain.mbti.repository.MemberMbtiTestRepository;
 import org.umc.valuedi.domain.member.entity.Member;
 import org.umc.valuedi.domain.member.exception.MemberException;
 import org.umc.valuedi.domain.member.exception.code.MemberErrorCode;
@@ -16,8 +12,6 @@
 import org.umc.valuedi.domain.savings.dto.response.SavingsResponseDTO;
 import org.umc.valuedi.domain.savings.entity.*;
 import org.umc.valuedi.domain.savings.enums.ReasonCode;
-import org.umc.valuedi.domain.savings.enums.RecommendationStatus;
-import org.umc.valuedi.domain.savings.repository.RecommendationBatchRepository;
 import org.umc.valuedi.domain.savings.repository.RecommendationRepository;
 import org.umc.valuedi.domain.savings.repository.SavingsOptionRepository;
 import org.umc.valuedi.global.external.genai.dto.response.GeminiSavingsResponseDTO;
@@ -33,81 +27,10 @@
 @RequiredArgsConstructor
 public class RecommendationTxService {
 
-    private final RecommendationBatchRepository batchRepository;
-    private final MemberMbtiTestRepository memberMbtiTestRepository;
     private final MemberRepository memberRepository;
     private final SavingsOptionRepository savingsOptionRepository;
     private final RecommendationRepository recommendationRepository;
 
-    private static final int RECOMMEND_COUNT = 15;
-
-    // 없으면 PENDING 배치 만들거나, 진행 중이면 기존 배치 반환
-    @Transactional
-    public SavingsResponseDTO.TriggerDecision triggerRecommendation(Long memberId) {
-        // 금융 mbti 최신 결과 조회
-        Long mbtiTestId = memberMbtiTestRepository.findCurrentActiveTest(memberId)
-                .orElseThrow(() -> new MbtiException(MbtiErrorCode.TYPE_INFO_NOT_FOUND))
-                .getId();
-
-        Optional<RecommendationBatch> latest = batchRepository.findTopByMemberIdAndMemberMbtiTestIdOrderByIdDesc(memberId, mbtiTestId);
-
-        // PENDING/PROCESSING이면 재실행 금지
-        if (latest.isPresent() && latest.get().isPendingOrProcessing()) {
-            RecommendationBatch b = latest.get();
-            return SavingsResponseDTO.TriggerDecision.builder()
-                    .batchId(b.getId())
-                    .status(b.getStatus()) // PENDING/PROCESSING
-                    .message("추천을 생성 중입니다. 잠시 후 조회 API로 확인해 주세요.")
-                    .shouldStartAsync(false)
-                    .build();
-        }
-
-        // SUCCESS면 재생성 금지
-        if (latest.isPresent() && latest.get().getStatus() == RecommendationStatus.SUCCESS) {
-            RecommendationBatch b = latest.get();
-            return SavingsResponseDTO.TriggerDecision.builder()
-                    .batchId(b.getId())
-                    .status(b.getStatus())
-                    .message("이미 최신 추천이 존재합니다. 조회 API로 확인해 주세요.")
-                    .shouldStartAsync(false)
-                    .build();
-        }
-
-        // 추천 상품 생성
-        RecommendationBatch created = batchRepository.save(RecommendationBatch.pending(memberId, mbtiTestId));
-        return SavingsResponseDTO.TriggerDecision.builder()
-                .batchId(created.getId())
-                .status(created.getStatus()) // PENDING
-                .message("추천 상품을 생성 중입니다. 잠시 후 조회 API로 확인해 주세요.")
-                .shouldStartAsync(true)
-                .build();
-    }
-
-    // 상태 변경
-    @Transactional
-    public void markProcessing(Long batchId) {
-        RecommendationBatch b = batchRepository.findById(batchId).orElseThrow();
-        b.markProcessing();
-    }
-
-    @Transactional
-    public void markSuccess(Long batchId) {
-        RecommendationBatch b = batchRepository.findById(batchId).orElseThrow();
-        b.markSuccess();
-    }
-
-    @Transactional
-    public void markFailed(Long batchId, String errorMessage) {
-        RecommendationBatch b = batchRepository.findById(batchId).orElseThrow();
-        b.markFailed(errorMessage);
-    }
-
-    // 상태 조회용
-    @Transactional(readOnly = true)
-    public Optional<RecommendationBatch> findLatestBatch(Long memberId) {
-        return batchRepository.findTopByMemberIdOrderByIdDesc(memberId);
-    }
-
     // 추천 상품 저장
     @Transactional
     public SavingsResponseDTO.RecommendResponse saveRecommendations(
diff --git a/src/main/java/org/umc/valuedi/global/config/AsyncConfig.java b/src/main/java/org/umc/valuedi/global/config/AsyncConfig.java
index 56632d65..0fb4480d 100644
--- a/src/main/java/org/umc/valuedi/global/config/AsyncConfig.java
+++ b/src/main/java/org/umc/valuedi/global/config/AsyncConfig.java
@@ -33,15 +33,4 @@ public Executor assetFetchExecutor() {
         executor.initialize();
         return executor;
     }
-
-    @Bean(name = "recommendationExecutor")
-    public Executor recommendationExecutor() {
-        ThreadPoolTaskExecutor executor = new ThreadPoolTaskExecutor();
-        executor.setCorePoolSize(4);
-        executor.setMaxPoolSize(8);
-        executor.setQueueCapacity(100);
-        executor.setThreadNamePrefix("RecommendAsync-");
-        executor.initialize();
-        return executor;
-    }
 }