diff --git a/src/auth/login.ts b/src/auth/login.ts
index 5a53f42..4123b1b 100644
--- a/src/auth/login.ts
+++ b/src/auth/login.ts
@@ -73,8 +73,14 @@ const srpHandshake = async (
 
     srpClient.checkM2(Buffer.from(verifyResponse.srpM2, "base64"));
 
-    if (verifyResponse.twoFactorSessionID) {
-        return { kind: "totp", sessionID: verifyResponse.twoFactorSessionID };
+    // twoFactorSessionIDV2 is set (instead of twoFactorSessionID) when the
+    // account has BOTH passkeys and TOTP. Prefer TOTP: a CLI cannot perform
+    // a WebAuthn ceremony, and the user has a TOTP secret enrolled.
+    const totpSessionID =
+        verifyResponse.twoFactorSessionID ??
+        verifyResponse.twoFactorSessionIDV2;
+    if (totpSessionID) {
+        return { kind: "totp", sessionID: totpSessionID };
     }
     if (verifyResponse.passkeySessionID) {
         return {
diff --git a/src/auth/types.ts b/src/auth/types.ts
index e6a23f4..5fd71e7 100644
--- a/src/auth/types.ts
+++ b/src/auth/types.ts
@@ -34,13 +34,18 @@ export interface SRPAttributes {
 // The body of a successful login response. Exactly one of the following
 // situations applies, and the caller dispatches on the populated fields:
 //   - both keyAttributes and encryptedToken present: login is complete
-//   - twoFactorSessionID present: caller must submit a TOTP code
-//   - passkeySessionID present: caller must complete a passkey ceremony
+//   - twoFactorSessionID present: caller must submit a TOTP code (TOTP-only
+//     account)
+//   - passkeySessionID + twoFactorSessionIDV2 present: account has both
+//     passkeys and TOTP; the V2 field is set instead of twoFactorSessionID
+//     so that older clients keep using the passkey flow
+//   - only passkeySessionID present: caller must complete a passkey ceremony
 export interface AuthorizationResponse {
     id: number;
     keyAttributes?: KeyAttributes;
     encryptedToken?: Base64;
     twoFactorSessionID?: string;
+    twoFactorSessionIDV2?: string;
     passkeySessionID?: string;
 }
 
diff --git a/test/auth/login.test.ts b/test/auth/login.test.ts
index 0519a22..e1bf4a6 100644
--- a/test/auth/login.test.ts
+++ b/test/auth/login.test.ts
@@ -145,7 +145,7 @@ const buildServerFixture = async (password: string) => {
  */
 const buildMockFetch = (
     fixture: Awaited<ReturnType<typeof buildServerFixture>>,
-    opts?: { requireTOTP?: boolean },
+    opts?: { requireTOTP?: boolean; requirePasskeyAndTOTP?: boolean },
 ) => {
     let srpServer: SrpServer;
     const sessionID = "test-session-id";
@@ -213,6 +213,25 @@ const buildMockFetch = (
                 );
             }
 
+            if (opts?.requirePasskeyAndTOTP) {
+                // When the account has BOTH passkeys and TOTP enabled, the
+                // server sets passkeySessionID + twoFactorSessionIDV2 (not
+                // twoFactorSessionID -- that's deliberate, so old clients
+                // that only know the V1 field keep using the passkey flow).
+                return new Response(
+                    JSON.stringify({
+                        srpM2: M2.toString("base64"),
+                        passkeySessionID: "passkey-session-123",
+                        accountsUrl: "https://accounts.ente.io",
+                        twoFactorSessionIDV2: "totp-session-v2-456",
+                    }),
+                    {
+                        status: 200,
+                        headers: { "content-type": "application/json" },
+                    },
+                );
+            }
+
             return new Response(
                 JSON.stringify({
                     srpM2: M2.toString("base64"),
@@ -305,6 +324,26 @@ describe("beginLogin via SRP", () => {
         }
     });
 
+    it("prefers TOTP over passkey when the account has both", async () => {
+        // Accounts with both passkeys and TOTP get passkeySessionID +
+        // twoFactorSessionIDV2 in the verify-session response. A CLI
+        // cannot perform a WebAuthn ceremony, so quak must take the TOTP
+        // path using the V2 session ID. Returning { kind: "passkey" } here
+        // would make such accounts unusable from the CLI even though they
+        // have a perfectly good TOTP secret enrolled.
+        const fixture = await buildServerFixture(TEST_PASSWORD);
+        const api = new ApiClient({
+            fetch: buildMockFetch(fixture, { requirePasskeyAndTOTP: true }),
+        });
+
+        const challenge = await beginLogin(api, TEST_EMAIL, TEST_PASSWORD);
+
+        expect(challenge.kind).toBe("totp");
+        if (challenge.kind === "totp") {
+            expect(challenge.sessionID).toBe("totp-session-v2-456");
+        }
+    });
+
     it("rejects a wrong password (SRP M1 verification fails)", async () => {
         const fixture = await buildServerFixture(TEST_PASSWORD);
         const api = new ApiClient({ fetch: buildMockFetch(fixture) });