diff --git a/src/NATS.Server/Auth/Account.cs b/src/NATS.Server/Auth/Account.cs
index 6e8ac3f..211f431 100644
--- a/src/NATS.Server/Auth/Account.cs
+++ b/src/NATS.Server/Auth/Account.cs
@@ -10,8 +10,11 @@ public sealed class Account : IDisposable
     public string Name { get; }
     public SubList SubList { get; } = new();
     public Permissions? DefaultPermissions { get; set; }
+    public int MaxConnections { get; set; } // 0 = unlimited
+    public int MaxSubscriptions { get; set; } // 0 = unlimited
 
     private readonly ConcurrentDictionary<ulong, byte> _clients = new();
+    private int _subscriptionCount;
 
     public Account(string name)
     {
@@ -19,10 +22,31 @@ public sealed class Account : IDisposable
     }
 
     public int ClientCount => _clients.Count;
+    public int SubscriptionCount => Volatile.Read(ref _subscriptionCount);
 
-    public void AddClient(ulong clientId) => _clients[clientId] = 0;
+    /// <summary>Returns false if max connections exceeded.</summary>
+    public bool AddClient(ulong clientId)
+    {
+        if (MaxConnections > 0 && _clients.Count >= MaxConnections)
+            return false;
+        _clients[clientId] = 0;
+        return true;
+    }
 
     public void RemoveClient(ulong clientId) => _clients.TryRemove(clientId, out _);
 
+    public bool IncrementSubscriptions()
+    {
+        if (MaxSubscriptions > 0 && Volatile.Read(ref _subscriptionCount) >= MaxSubscriptions)
+            return false;
+        Interlocked.Increment(ref _subscriptionCount);
+        return true;
+    }
+
+    public void DecrementSubscriptions()
+    {
+        Interlocked.Decrement(ref _subscriptionCount);
+    }
+
     public void Dispose() => SubList.Dispose();
 }
diff --git a/src/NATS.Server/Auth/AccountConfig.cs b/src/NATS.Server/Auth/AccountConfig.cs
new file mode 100644
index 0000000..7337f33
--- /dev/null
+++ b/src/NATS.Server/Auth/AccountConfig.cs
@@ -0,0 +1,8 @@
+namespace NATS.Server.Auth;
+
+public sealed class AccountConfig
+{
+    public int MaxConnections { get; init; }      // 0 = unlimited
+    public int MaxSubscriptions { get; init; }    // 0 = unlimited
+    public Permissions? DefaultPermissions { get; init; }
+}
diff --git a/src/NATS.Server/NatsClient.cs b/src/NATS.Server/NatsClient.cs
index b380560..1ecbc56 100644
--- a/src/NATS.Server/NatsClient.cs
+++ b/src/NATS.Server/NatsClient.cs
@@ -372,7 +372,13 @@ public sealed class NatsClient : IDisposable
             {
                 var accountName = result.AccountName ?? Account.GlobalAccountName;
                 Account = server.GetOrCreateAccount(accountName);
-                Account.AddClient(Id);
+                if (!Account.AddClient(Id))
+                {
+                    Account = null;
+                    await SendErrAndCloseAsync("maximum connections for account exceeded",
+                        ClientClosedReason.AuthenticationViolation);
+                    return;
+                }
             }
 
             _logger.LogDebug("Client {ClientId} authenticated as {Identity}", Id, result.Identity);
@@ -386,7 +392,13 @@ public sealed class NatsClient : IDisposable
         if (Account == null && Router is NatsServer server2)
         {
             Account = server2.GetOrCreateAccount(Account.GlobalAccountName);
-            Account.AddClient(Id);
+            if (!Account.AddClient(Id))
+            {
+                Account = null;
+                await SendErrAndCloseAsync("maximum connections for account exceeded",
+                    ClientClosedReason.AuthenticationViolation);
+                return;
+            }
         }
 
         // Validate no_responders requires headers
diff --git a/src/NATS.Server/NatsOptions.cs b/src/NATS.Server/NatsOptions.cs
index ecec1e3..346e7f4 100644
--- a/src/NATS.Server/NatsOptions.cs
+++ b/src/NATS.Server/NatsOptions.cs
@@ -29,6 +29,9 @@ public sealed class NatsOptions
     // Server tags (exposed via /varz)
     public Dictionary<string, string>? Tags { get; set; }
 
+    // Account configuration
+    public Dictionary<string, AccountConfig>? Accounts { get; set; }
+
     // Simple auth (single user)
     public string? Username { get; set; }
     public string? Password { get; set; }
diff --git a/src/NATS.Server/NatsServer.cs b/src/NATS.Server/NatsServer.cs
index 7bd3e76..5c34f68 100644
--- a/src/NATS.Server/NatsServer.cs
+++ b/src/NATS.Server/NatsServer.cs
@@ -569,7 +569,17 @@ public sealed class NatsServer : IMessageRouter, ISubListAccess, IDisposable
 
     public Account GetOrCreateAccount(string name)
     {
-        return _accounts.GetOrAdd(name, n => new Account(n));
+        return _accounts.GetOrAdd(name, n =>
+        {
+            var acc = new Account(n);
+            if (_options.Accounts != null && _options.Accounts.TryGetValue(n, out var config))
+            {
+                acc.MaxConnections = config.MaxConnections;
+                acc.MaxSubscriptions = config.MaxSubscriptions;
+                acc.DefaultPermissions = config.DefaultPermissions;
+            }
+            return acc;
+        });
     }
 
     public void RemoveClient(NatsClient client)
diff --git a/tests/NATS.Server.Tests/AccountTests.cs b/tests/NATS.Server.Tests/AccountTests.cs
index 304a498..459479b 100644
--- a/tests/NATS.Server.Tests/AccountTests.cs
+++ b/tests/NATS.Server.Tests/AccountTests.cs
@@ -32,4 +32,40 @@ public class AccountTests
     {
         Account.GlobalAccountName.ShouldBe("$G");
     }
+
+    [Fact]
+    public void Account_enforces_max_connections()
+    {
+        var acc = new Account("test") { MaxConnections = 2 };
+        acc.AddClient(1).ShouldBeTrue();
+        acc.AddClient(2).ShouldBeTrue();
+        acc.AddClient(3).ShouldBeFalse(); // exceeds limit
+        acc.ClientCount.ShouldBe(2);
+    }
+
+    [Fact]
+    public void Account_unlimited_connections_when_zero()
+    {
+        var acc = new Account("test") { MaxConnections = 0 };
+        acc.AddClient(1).ShouldBeTrue();
+        acc.AddClient(2).ShouldBeTrue();
+    }
+
+    [Fact]
+    public void Account_enforces_max_subscriptions()
+    {
+        var acc = new Account("test") { MaxSubscriptions = 2 };
+        acc.IncrementSubscriptions().ShouldBeTrue();
+        acc.IncrementSubscriptions().ShouldBeTrue();
+        acc.IncrementSubscriptions().ShouldBeFalse();
+    }
+
+    [Fact]
+    public void Account_decrement_subscriptions()
+    {
+        var acc = new Account("test") { MaxSubscriptions = 1 };
+        acc.IncrementSubscriptions().ShouldBeTrue();
+        acc.DecrementSubscriptions();
+        acc.IncrementSubscriptions().ShouldBeTrue(); // slot freed
+    }
 }