diff --git a/myteamwallet_backend/src/penalty/penalty.controller.ts b/myteamwallet_backend/src/penalty/penalty.controller.ts
index c08c509..afdd657 100644
--- a/myteamwallet_backend/src/penalty/penalty.controller.ts
+++ b/myteamwallet_backend/src/penalty/penalty.controller.ts
@@ -26,6 +26,11 @@ type AuthenticatedRequest = { user: { id: number } };
 export class PenaltyController {
   constructor(private readonly service: PenaltyService) {}
 
+  @Get()
+  getUserPenalties(@Request() request: AuthenticatedRequest) {
+    return this.service.getUserPenalties(request.user.id);
+  }
+
   @Get(':teamId')
   getTeamPenalties(
     @Request() request: AuthenticatedRequest,
diff --git a/myteamwallet_backend/src/penalty/penalty.http.spec.ts b/myteamwallet_backend/src/penalty/penalty.http.spec.ts
index 92afa36..17e8f7d 100644
--- a/myteamwallet_backend/src/penalty/penalty.http.spec.ts
+++ b/myteamwallet_backend/src/penalty/penalty.http.spec.ts
@@ -20,6 +20,7 @@ describe('penalty catalog HTTP boundary', () => {
     createdAt: '2026-01-02T00:00:00.000Z',
   };
   const service = {
+    getUserPenalties: jest.fn(() => [penalty]),
     getTeamPenalties: jest.fn(() => [penalty]),
     createPenalty: jest.fn(() => penalty),
     updatePenalty: jest.fn(() => penalty),
@@ -62,6 +63,15 @@ describe('penalty catalog HTTP boundary', () => {
     expect(service.getTeamPenalties).toHaveBeenCalledWith(42, 5);
   });
 
+  it('keeps the authenticated cross-team catalog route available', async () => {
+    await request(app.getHttpServer()).get('/api/v1/penalty').expect(401);
+    await request(app.getHttpServer())
+      .get('/api/v1/penalty')
+      .set('Authorization', 'Bearer user')
+      .expect(200, [penalty]);
+    expect(service.getUserPenalties).toHaveBeenCalledWith(42);
+  });
+
   it('validates and strips create fields before invoking the service', async () => {
     await request(app.getHttpServer())
       .post('/api/v1/penalty')
diff --git a/myteamwallet_backend/src/penalty/penalty.service.spec.ts b/myteamwallet_backend/src/penalty/penalty.service.spec.ts
index 5e46b28..65995ac 100644
--- a/myteamwallet_backend/src/penalty/penalty.service.spec.ts
+++ b/myteamwallet_backend/src/penalty/penalty.service.spec.ts
@@ -55,6 +55,33 @@ describe('PenaltyService catalog management', () => {
     expect(access.assertMember).not.toHaveBeenCalled();
   });
 
+  it('keeps the authenticated cross-team catalog route compatible and safely mapped', async () => {
+    readRepository.find.mockResolvedValue([
+      {
+        id: 8,
+        description: 'Zu spät',
+        amount: '5.50',
+        createdAt: new Date('2026-01-02T00:00:00.000Z'),
+        team: { id: 5, secret: 'hidden' },
+      },
+    ]);
+
+    await expect(service.getUserPenalties(42)).resolves.toEqual([
+      {
+        id: 8,
+        description: 'Zu spät',
+        amount: 5.5,
+        createdAt: new Date('2026-01-02T00:00:00.000Z'),
+      },
+    ]);
+    expect(readRepository.find).toHaveBeenCalledWith({
+      where: {
+        team: { players: { user: { id: 42 }, active: true } },
+      },
+      order: { description: 'ASC' },
+    });
+  });
+
   it('authorizes team reads, sorts them, and maps only safe fields', async () => {
     readRepository.find.mockResolvedValue([
       {
@@ -136,11 +163,7 @@ describe('PenaltyService catalog management', () => {
     writeRepository.save.mockImplementation(async (value) => value);
 
     await expect(
-      service.updatePenalty(
-        8,
-        { description: '  Neu  ', amount: 2.5 },
-        42,
-      ),
+      service.updatePenalty(8, { description: '  Neu  ', amount: 2.5 }, 42),
     ).resolves.toMatchObject({ id: 8, description: 'Neu', amount: 2.5 });
     expect(duplicateQuery.andWhere).toHaveBeenCalledWith(
       'penalty.id != :penaltyId',
@@ -194,10 +217,7 @@ describe('PenaltyService catalog management', () => {
     logger.info.mockRejectedValue(new Error('audit unavailable'));
 
     await expect(
-      service.createPenalty(
-        { teamId: 5, description: 'Neu', amount: 2 },
-        42,
-      ),
+      service.createPenalty({ teamId: 5, description: 'Neu', amount: 2 }, 42),
     ).rejects.toThrow('audit unavailable');
   });
 });
diff --git a/myteamwallet_backend/src/penalty/penalty.service.ts b/myteamwallet_backend/src/penalty/penalty.service.ts
index e476bbd..205e2dc 100644
--- a/myteamwallet_backend/src/penalty/penalty.service.ts
+++ b/myteamwallet_backend/src/penalty/penalty.service.ts
@@ -25,6 +25,16 @@ export class PenaltyService {
     private readonly logger: LoggingService,
   ) {}
 
+  async getUserPenalties(userId: number): Promise<PenaltyResponseDTO[]> {
+    const penalties = await this.repository.find({
+      where: {
+        team: { players: { user: { id: userId }, active: true } },
+      },
+      order: { description: 'ASC' },
+    });
+    return penalties.map((penalty) => this.toResponse(penalty));
+  }
+
   async getTeamPenalties(
     userId: number,
     teamId: number,
@@ -133,7 +143,10 @@ export class PenaltyService {
     return penalty;
   }
 
-  private async lockTeam(manager: EntityManager, teamId: number): Promise<Team> {
+  private async lockTeam(
+    manager: EntityManager,
+    teamId: number,
+  ): Promise<Team> {
     const team = await manager
       .getRepository(Team)
       .createQueryBuilder('team')
diff --git a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.html b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.html
index 9bf4888..f868461 100644
--- a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.html
+++ b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.html
@@ -17,7 +17,7 @@
         <input matInput type="number" min="0.01" max="10000" step="0.01" formControlName="amount" />
         <span matTextSuffix>€</span>
       </mat-form-field>
-      <button mat-flat-button type="submit" [disabled]="form.invalid || saving()">
+      <button mat-flat-button type="submit" [disabled]="form.invalid || mutationPending()">
         @if (saving()) {
           <mat-spinner diameter="18" />
         } @else {
@@ -128,7 +128,7 @@
                 mat-button
                 type="button"
                 (click)="startEdit(penalty)"
-                [disabled]="pendingPenaltyId() !== null"
+                [disabled]="mutationPending()"
                 [attr.aria-label]="penalty.description + ' bearbeiten'"
               >
                 <mat-icon>edit</mat-icon>Bearbeiten
@@ -137,7 +137,7 @@
                 mat-button
                 type="button"
                 (click)="confirmDelete(penalty)"
-                [disabled]="pendingPenaltyId() !== null"
+                [disabled]="mutationPending()"
                 [attr.aria-label]="penalty.description + ' löschen'"
               >
                 <mat-icon>delete</mat-icon>Löschen
diff --git a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.spec.ts b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.spec.ts
index f541e42..3e591c2 100644
--- a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.spec.ts
+++ b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.spec.ts
@@ -190,6 +190,70 @@ describe('Penalties', () => {
     expect(text()).toContain('existiert bereits');
   });
 
+  it('distinguishes a successful update from a failed authoritative reload', () => {
+    loadPenalties
+      .mockReturnValueOnce(of([first]))
+      .mockReturnValueOnce(throwError(() => new HttpErrorResponse({ status: 500 })));
+    create();
+    button('Bearbeiten').click();
+    fixture.componentInstance['editForm'].setValue({ description: 'Neu', amount: 6 });
+
+    fixture.componentInstance['savePenalty'](first);
+    fixture.detectChanges();
+
+    expect(fixture.componentInstance['editingPenaltyId']()).toBeNull();
+    expect(fixture.componentInstance['mutationError']()).toBeNull();
+    expect(text()).toContain('Änderung wurde gespeichert');
+    expect(text()).toContain('Erneut versuchen');
+  });
+
+  it('clears the create form after success even when the reload fails', () => {
+    loadPenalties
+      .mockReturnValueOnce(of([first]))
+      .mockReturnValueOnce(throwError(() => new HttpErrorResponse({ status: 500 })));
+    create();
+    fixture.componentInstance['form'].setValue({ description: 'Handy', amount: 3 });
+
+    fixture.componentInstance['createPenalty']();
+    fixture.detectChanges();
+
+    expect(fixture.componentInstance['form'].getRawValue()).toEqual({
+      description: '',
+      amount: 0,
+    });
+    expect(fixture.componentInstance['mutationError']()).toBeNull();
+    expect(text()).toContain('Änderung wurde gespeichert');
+  });
+
+  it('reports a reload problem instead of a delete failure after successful deletion', () => {
+    loadPenalties
+      .mockReturnValueOnce(of([first]))
+      .mockReturnValueOnce(throwError(() => new HttpErrorResponse({ status: 500 })));
+    create();
+
+    button('Löschen').click();
+    dialogClosed.next(true);
+    fixture.detectChanges();
+
+    expect(deletePenalty).toHaveBeenCalledWith(first.id);
+    expect(fixture.componentInstance['mutationError']()).toBeNull();
+    expect(text()).toContain('Änderung wurde gespeichert');
+  });
+
+  it('prevents overlapping catalog mutations', () => {
+    const creation = new Subject<Penalty>();
+    createPenalty.mockReturnValue(creation);
+    create();
+    fixture.componentInstance['form'].setValue({ description: 'Handy', amount: 3 });
+
+    fixture.componentInstance['createPenalty']();
+    fixture.componentInstance['startEdit'](first);
+    fixture.componentInstance['confirmDelete'](first);
+
+    expect(fixture.componentInstance['editingPenaltyId']()).toBeNull();
+    expect(dialog.open).not.toHaveBeenCalled();
+  });
+
   it('shows a load error, retries, and distinguishes an empty search result', () => {
     loadPenalties
       .mockReturnValueOnce(throwError(() => new HttpErrorResponse({ status: 500 })))
diff --git a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.ts b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.ts
index 1f36944..08d3c30 100644
--- a/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.ts
+++ b/myteamwallet_frontend_modern/src/app/features/team/more/penalties/penalties.ts
@@ -12,7 +12,7 @@ import { MatIconModule } from '@angular/material/icon';
 import { MatInputModule } from '@angular/material/input';
 import { MatProgressSpinnerModule } from '@angular/material/progress-spinner';
 import { RouterLink } from '@angular/router';
-import { finalize, switchMap, take } from 'rxjs';
+import { EMPTY, Observable, catchError, finalize, switchMap, take, tap } from 'rxjs';
 import { AuthStore } from '../../../../core/auth/auth-store';
 import { PenaltyApi } from '../../../../core/team/penalty-api';
 import { TeamStore } from '../../../../core/team/team-store';
@@ -55,6 +55,9 @@ export class Penalties {
   protected readonly editingPenaltyId = signal<number | null>(null);
   protected readonly loadError = signal<string | null>(null);
   protected readonly mutationError = signal<string | null>(null);
+  protected readonly mutationPending = computed(
+    () => this.saving() || this.pendingPenaltyId() !== null,
+  );
   protected readonly search = signal('');
   protected readonly form = this.formBuilder.nonNullable.group({
     description: ['', [Validators.required, Validators.maxLength(120), Validators.pattern(/\S/)]],
@@ -109,20 +112,20 @@ export class Penalties {
 
   protected createPenalty(): void {
     const team = this.team();
-    if (!this.canManage() || !team || this.form.invalid || this.saving()) return;
+    if (!this.canManage() || !team || this.form.invalid || this.mutationPending()) return;
     this.saving.set(true);
     this.mutationError.set(null);
     this.penaltyApi
       .createPenalty({ teamId: team.id, ...this.form.getRawValue() })
       .pipe(
-        switchMap(() => this.penaltyApi.loadPenalties(team.id)),
+        tap(() => this.form.reset({ description: '', amount: 0 })),
+        switchMap(() => this.reloadAfterMutation(team.id)),
         finalize(() => this.saving.set(false)),
         takeUntilDestroyed(this.destroyRef),
       )
       .subscribe({
         next: (penalties) => {
           this.penalties.set(penalties);
-          this.form.reset({ description: '', amount: 0 });
         },
         error: (error: HttpErrorResponse) =>
           this.mutationError.set(this.errorMessage(error, 'Eintrag konnte nicht angelegt werden.')),
@@ -130,7 +133,7 @@ export class Penalties {
   }
 
   protected startEdit(penalty: Penalty): void {
-    if (!this.canManage() || this.pendingPenaltyId() !== null) return;
+    if (!this.canManage() || this.mutationPending()) return;
     this.editingPenaltyId.set(penalty.id);
     this.editForm.setValue({ description: penalty.description, amount: penalty.amount });
     this.mutationError.set(null);
@@ -149,7 +152,7 @@ export class Penalties {
       !teamId ||
       this.editingPenaltyId() !== penalty.id ||
       this.editForm.invalid ||
-      this.pendingPenaltyId() !== null
+      this.mutationPending()
     ) {
       return;
     }
@@ -158,14 +161,14 @@ export class Penalties {
     this.penaltyApi
       .updatePenalty(penalty.id, this.editForm.getRawValue())
       .pipe(
-        switchMap(() => this.penaltyApi.loadPenalties(teamId)),
+        tap(() => this.editingPenaltyId.set(null)),
+        switchMap(() => this.reloadAfterMutation(teamId)),
         finalize(() => this.pendingPenaltyId.set(null)),
         takeUntilDestroyed(this.destroyRef),
       )
       .subscribe({
         next: (penalties) => {
           this.penalties.set(penalties);
-          this.editingPenaltyId.set(null);
         },
         error: (error: HttpErrorResponse) =>
           this.mutationError.set(
@@ -175,7 +178,7 @@ export class Penalties {
   }
 
   protected confirmDelete(penalty: Penalty): void {
-    if (!this.canManage() || this.pendingPenaltyId() !== null) return;
+    if (!this.canManage() || this.mutationPending()) return;
     this.dialog
       .open(ConfirmDialog, {
         data: {
@@ -205,7 +208,7 @@ export class Penalties {
     this.penaltyApi
       .deletePenalty(penalty.id)
       .pipe(
-        switchMap(() => this.penaltyApi.loadPenalties(teamId)),
+        switchMap(() => this.reloadAfterMutation(teamId)),
         finalize(() => this.pendingPenaltyId.set(null)),
         takeUntilDestroyed(this.destroyRef),
       )
@@ -219,6 +222,17 @@ export class Penalties {
       });
   }
 
+  private reloadAfterMutation(teamId: number): Observable<Penalty[]> {
+    return this.penaltyApi.loadPenalties(teamId).pipe(
+      catchError(() => {
+        this.loadError.set(
+          'Änderung wurde gespeichert, aber der Katalog konnte nicht aktualisiert werden.',
+        );
+        return EMPTY;
+      }),
+    );
+  }
+
   private load(teamId: number): void {
     this.loading.set(true);
     this.loadError.set(null);