diff --git a/src/libs/ReportActionsUtils.ts b/src/libs/ReportActionsUtils.ts
index 6b9de3211728..6bab85b5f864 100644
--- a/src/libs/ReportActionsUtils.ts
+++ b/src/libs/ReportActionsUtils.ts
@@ -1629,6 +1629,14 @@ function isNewerReportAction(a: ReportAction, b: ReportAction): boolean {
     return a.reportActionID > b.reportActionID;
 }
 
+/**
+ * Returns true if action `a` is older than action `b`.
+ * This is the inverse of isNewerReportAction.
+ */
+function isOlderReportAction(a: ReportAction, b: ReportAction): boolean {
+    return isNewerReportAction(b, a);
+}
+
 /**
  * The first visible action is the second last action in sortedReportActions which satisfy following conditions:
  * 1. That is not pending deletion as pending deletion actions are kept in sortedReportActions in memory.
@@ -4606,6 +4614,7 @@ export {
     isApprovedOrSubmittedReportAction,
     isIOURequestReportAction,
     isNewerReportAction,
+    isOlderReportAction,
     isClosedAction,
     isConsecutiveActionMadeByPreviousActor,
     isExportedToIntegrationAction,
diff --git a/src/libs/ReportUtils.ts b/src/libs/ReportUtils.ts
index 8f689fa18919..a79725f1be3b 100644
--- a/src/libs/ReportUtils.ts
+++ b/src/libs/ReportUtils.ts
@@ -206,6 +206,7 @@ import {
     isModifiedExpenseAction,
     isMoneyRequestAction,
     isMovedAction,
+    isOlderReportAction,
     isPendingRemove,
     isPolicyChangeLogAction,
     isReimbursementQueuedAction,
@@ -4280,18 +4281,25 @@ function getReasonAndReportActionThatRequiresAttention(
     }
 
     if (isInvoiceRoom(optionOrReport)) {
-        const reportAction = Object.values(reportActions).find(
-            (action) =>
-                action.actionName === CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW &&
-                action.childReportID &&
-                hasMissingInvoiceBankAccount(action.childReportID) &&
-                !isSettled(action.childReportID),
-        );
+        let earliestAction: ReportAction | undefined;
+        for (const action of Object.values(reportActions)) {
+            if (
+                action.actionName !== CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW ||
+                !action.childReportID ||
+                !hasMissingInvoiceBankAccount(action.childReportID) ||
+                isSettled(action.childReportID)
+            ) {
+                continue;
+            }
+            if (!earliestAction || isOlderReportAction(action, earliestAction)) {
+                earliestAction = action;
+            }
+        }
 
-        return reportAction
+        return earliestAction
             ? {
                   reason: CONST.REQUIRES_ATTENTION_REASONS.HAS_MISSING_INVOICE_BANK_ACCOUNT,
-                  reportAction,
+                  reportAction: earliestAction,
               }
             : null;
     }
diff --git a/src/libs/actions/IOU/ReportWorkflow.ts b/src/libs/actions/IOU/ReportWorkflow.ts
index 5282d1c6498f..dba3f319434f 100644
--- a/src/libs/actions/IOU/ReportWorkflow.ts
+++ b/src/libs/actions/IOU/ReportWorkflow.ts
@@ -17,7 +17,7 @@ import Navigation from '@libs/Navigation/Navigation';
 import {getIsOffline} from '@libs/NetworkState';
 import {buildNextStepNew, buildOptimisticNextStep} from '@libs/NextStepUtils';
 import {arePaymentsEnabled, getSubmitReportManagerAccountID, hasDynamicExternalWorkflow, isPaidGroupPolicy, isPolicyAdmin, isSubmitAndClose} from '@libs/PolicyUtils';
-import {getAllReportActions, getReportActionHtml, getReportActionText, hasPendingDEWApprove, isCreatedAction, isDeletedAction} from '@libs/ReportActionsUtils';
+import {getAllReportActions, getReportActionHtml, getReportActionText, hasPendingDEWApprove, isCreatedAction, isDeletedAction, isOlderReportAction} from '@libs/ReportActionsUtils';
 import {
     buildOptimisticApprovedReportAction,
     buildOptimisticChangeApproverReportAction,
@@ -308,20 +308,24 @@ function getIOUReportActionWithBadge(
     const chatReportActions = getAllReportActionsFromIOU()?.[`${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chatReport?.reportID}`] ?? {};
 
     let actionBadge: ValueOf<typeof CONST.REPORT.ACTION_BADGE> | undefined;
-    const reportAction = Object.values(chatReportActions).find((action) => {
+    let earliestAction: ReportAction | undefined;
+
+    for (const action of Object.values(chatReportActions)) {
         if (action?.actionName !== CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW || isDeletedAction(action)) {
-            return false;
+            continue;
         }
         const iouReport = getReportOrDraftReport(action.childReportID);
         const badge = getBadgeFromIOUReport(iouReport, chatReport, policy, reportMetadata, invoiceReceiverPolicy, currentUserLogin, currentUserAccountID);
-        if (badge) {
+        if (!badge) {
+            continue;
+        }
+        if (!earliestAction || isOlderReportAction(action, earliestAction)) {
+            earliestAction = action;
             actionBadge = badge;
-            return true;
         }
-        return false;
-    });
+    }
 
-    return {reportAction, actionBadge};
+    return {reportAction: earliestAction, actionBadge};
 }
 
 /**
diff --git a/tests/actions/IOUTest/ReportWorkflowTest.ts b/tests/actions/IOUTest/ReportWorkflowTest.ts
index 9f4834e97c72..e39a157d8e97 100644
--- a/tests/actions/IOUTest/ReportWorkflowTest.ts
+++ b/tests/actions/IOUTest/ReportWorkflowTest.ts
@@ -3500,6 +3500,96 @@ describe('actions/IOU/ReportWorkflow', () => {
             expect(result.actionBadge).toBeUndefined();
         });
 
+        it('should return the oldest matching report action when multiple actions have badges', async () => {
+            const chatReportID = '500';
+            const olderIouReportID = '501';
+            const newerIouReportID = '502';
+            const policyID = '503';
+
+            const fakePolicy: Policy = {
+                ...createRandomPolicy(Number(policyID)),
+                id: policyID,
+                type: CONST.POLICY.TYPE.TEAM,
+                approvalMode: CONST.POLICY.APPROVAL_MODE.BASIC,
+            };
+
+            const fakeChatReport: Report = {
+                ...createRandomReport(Number(chatReportID), CONST.REPORT.CHAT_TYPE.POLICY_EXPENSE_CHAT),
+                reportID: chatReportID,
+                policyID,
+            };
+
+            // Two submitted expense reports — both will produce APPROVE badges
+            const olderIouReport: Report = {
+                ...createRandomReport(Number(olderIouReportID), CONST.REPORT.CHAT_TYPE.POLICY_EXPENSE_CHAT),
+                reportID: olderIouReportID,
+                type: CONST.REPORT.TYPE.EXPENSE,
+                policyID,
+                stateNum: CONST.REPORT.STATE_NUM.SUBMITTED,
+                statusNum: CONST.REPORT.STATUS_NUM.SUBMITTED,
+                managerID: RORY_ACCOUNT_ID,
+            };
+
+            const newerIouReport: Report = {
+                ...createRandomReport(Number(newerIouReportID), CONST.REPORT.CHAT_TYPE.POLICY_EXPENSE_CHAT),
+                reportID: newerIouReportID,
+                type: CONST.REPORT.TYPE.EXPENSE,
+                policyID,
+                stateNum: CONST.REPORT.STATE_NUM.SUBMITTED,
+                statusNum: CONST.REPORT.STATUS_NUM.SUBMITTED,
+                managerID: RORY_ACCOUNT_ID,
+            };
+
+            const olderTransaction: Transaction = {
+                ...createRandomTransaction(0),
+                reportID: olderIouReportID,
+                amount: 100,
+                status: CONST.TRANSACTION.STATUS.POSTED,
+                bank: '',
+            };
+
+            const newerTransaction: Transaction = {
+                ...createRandomTransaction(1),
+                reportID: newerIouReportID,
+                amount: 200,
+                status: CONST.TRANSACTION.STATUS.POSTED,
+                bank: '',
+            };
+
+            await Onyx.set(`${ONYXKEYS.COLLECTION.POLICY}${policyID}`, fakePolicy);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${chatReportID}`, fakeChatReport);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${olderIouReportID}`, olderIouReport);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${newerIouReportID}`, newerIouReport);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.TRANSACTION}${olderTransaction.transactionID}`, olderTransaction);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.TRANSACTION}${newerTransaction.transactionID}`, newerTransaction);
+
+            const olderReportPreview = {
+                reportActionID: 'older-preview',
+                actionName: CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW,
+                created: '2024-08-08 18:00:00.000',
+                childReportID: olderIouReportID,
+                message: [{type: 'TEXT', text: 'Older report preview'}],
+            };
+
+            const newerReportPreview = {
+                reportActionID: 'newer-preview',
+                actionName: CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW,
+                created: '2024-08-08 20:00:00.000',
+                childReportID: newerIouReportID,
+                message: [{type: 'TEXT', text: 'Newer report preview'}],
+            };
+
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${chatReportID}`, {
+                [newerReportPreview.reportActionID]: newerReportPreview,
+                [olderReportPreview.reportActionID]: olderReportPreview,
+            });
+            await waitForBatchedUpdates();
+
+            const result = getIOUReportActionWithBadge(fakeChatReport, fakePolicy, {}, undefined, RORY_EMAIL, RORY_ACCOUNT_ID);
+            expect(result.reportAction).toMatchObject(olderReportPreview);
+            expect(result.actionBadge).toBe(CONST.REPORT.ACTION_BADGE.APPROVE);
+        });
+
         it('should return undefined actionBadge when report is settled', async () => {
             const chatReportID = '400';
             const iouReportID = '401';
diff --git a/tests/unit/ReportUtilsTest.ts b/tests/unit/ReportUtilsTest.ts
index 6478f908203a..c122d467eb38 100644
--- a/tests/unit/ReportUtilsTest.ts
+++ b/tests/unit/ReportUtilsTest.ts
@@ -9299,6 +9299,81 @@ describe('ReportUtils', () => {
             // Should only return the task where childManagerAccountID matches the current user
             expect(result?.reportAction?.reportActionID).toBe('current-user-task');
         });
+
+        it('should return the earliest matching report action for invoice rooms with missing bank account', async () => {
+            const invoiceRoomID = '50000';
+            const olderChildReportID = '50001';
+            const newerChildReportID = '50002';
+            const policyID = '50003';
+
+            const invoiceRoom: Report = {
+                ...createInvoiceRoom(Number(invoiceRoomID)),
+                reportID: invoiceRoomID,
+                policyID,
+            };
+
+            // Child invoice reports: owned by current user, no bank account on policy, and settled
+            // Note: hasMissingInvoiceBankAccount requires isSettled=true, but the outer condition
+            // requires !isSettled, making this path currently unreachable. This test documents the
+            // current behavior and will catch regressions if the conditions are corrected.
+            const olderChildReport: Report = {
+                ...createRandomReport(Number(olderChildReportID), undefined),
+                reportID: olderChildReportID,
+                type: CONST.REPORT.TYPE.INVOICE,
+                policyID,
+                ownerAccountID: currentUserAccountID,
+                statusNum: CONST.REPORT.STATUS_NUM.REIMBURSED,
+            };
+
+            const newerChildReport: Report = {
+                ...createRandomReport(Number(newerChildReportID), undefined),
+                reportID: newerChildReportID,
+                type: CONST.REPORT.TYPE.INVOICE,
+                policyID,
+                ownerAccountID: currentUserAccountID,
+                statusNum: CONST.REPORT.STATUS_NUM.REIMBURSED,
+            };
+
+            const fakePolicy: Policy = {
+                ...createRandomPolicy(Number(policyID)),
+                id: policyID,
+            };
+
+            await Onyx.set(`${ONYXKEYS.COLLECTION.POLICY}${policyID}`, fakePolicy);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${invoiceRoomID}`, invoiceRoom);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${olderChildReportID}`, olderChildReport);
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT}${newerChildReportID}`, newerChildReport);
+
+            const olderReportPreview: ReportAction = {
+                ...createRandomReportAction(Number(olderChildReportID)),
+                reportActionID: 'older-invoice-preview',
+                actionName: CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW,
+                created: '2024-01-01 10:00:00.000',
+                childReportID: olderChildReportID,
+            };
+
+            const newerReportPreview: ReportAction = {
+                ...createRandomReportAction(Number(newerChildReportID)),
+                reportActionID: 'newer-invoice-preview',
+                actionName: CONST.REPORT.ACTIONS.TYPE.REPORT_PREVIEW,
+                created: '2024-01-02 10:00:00.000',
+                childReportID: newerChildReportID,
+            };
+
+            await Onyx.set(`${ONYXKEYS.COLLECTION.REPORT_ACTIONS}${invoiceRoomID}`, {
+                [newerReportPreview.reportActionID]: newerReportPreview,
+                [olderReportPreview.reportActionID]: olderReportPreview,
+            });
+            await waitForBatchedUpdates();
+
+            const {result: isReportArchived} = renderHook(() => useReportIsArchived(invoiceRoomID));
+            const result = getReasonAndReportActionThatRequiresAttention(invoiceRoom, currentUserEmail, currentUserAccountID, undefined, isReportArchived.current);
+
+            // Currently returns null because hasMissingInvoiceBankAccount requires isSettled=true
+            // but the outer condition filters out settled reports with isSettled check.
+            // When this contradiction is resolved, the result should return the older report action.
+            expect(result).toBe(null);
+        });
     });
 
     describe('canEditReportDescription', () => {