diff --git a/api/app/payee/models.py b/api/app/payee/models.py
index c97328c..ef24960 100644
--- a/api/app/payee/models.py
+++ b/api/app/payee/models.py
@@ -29,7 +29,7 @@ class Payee(PayeeBaseId, table=True):
 
     @classmethod
     def list(cls, filters):
-        return filters.filter(select(cls)).join(Account)
+        return filters.filter(select(cls)).join(Account, isouter=True)
 
     @classmethod
     def get(cls, session, payee_id):
@@ -49,7 +49,7 @@ class Payee(PayeeBaseId, table=True):
         session.commit()
 
 class PayeeRead(PayeeBaseId):
-    default_account: AccountRead
+    default_account: AccountRead | None = PydField(default=None)
 
 class PayeeWrite(PayeeBase):
     default_account_id: UUID = PydField(default=None, json_schema_extra={