diff --git a/server/jetstream_test.go b/server/jetstream_test.go
index d45aa3287ec..bbc3acedeed 100644
--- a/server/jetstream_test.go
+++ b/server/jetstream_test.go
@@ -26124,3 +26124,142 @@ func TestJetStreamUpgradeConsumerVersioning(t *testing.T) {
 		})
 	}
 }
+
+func TestJetStreamMirrorCrossAccountWithFilteredSubjectAndSubjectTransform(t *testing.T) {
+	conf := createConfFile(t, fmt.Appendf(nil, `
+		listen: "127.0.0.1:-1"
+		jetstream: {store_dir: %q}
+		accounts: {
+			PUBLIC_ACCOUNT: {
+				jetstream: enabled
+				exports: [
+					{ service: "$JS.API.CONSUMER.CREATE.S.*.public.a", response_type: stream, accounts: ["INTERNAL_ACCOUNT"] },
+					{ service: "$JS.API.CONSUMER.CREATE.S.*.public.b", response_type: stream, accounts: ["INTERNAL_ACCOUNT"] },
+					{ service: "$JS.API.CONSUMER.CREATE.S.*.public.c", response_type: stream, accounts: ["INTERNAL_ACCOUNT"] },
+					{ service: "$JS.FC.>" },
+					{ stream: "shared.public.>", accounts: ["INTERNAL_ACCOUNT"] }
+				]
+				users: [ {user: "public", password: "pwd"} ]
+			},
+
+			INTERNAL_ACCOUNT: {
+				jetstream: enabled
+				imports: [
+					{ service: { account: "PUBLIC_ACCOUNT", subject: "$JS.API.CONSUMER.CREATE.S.*.public.a" }, to: "JS.PUBLIC_ACCOUNT.CONSUMER.CREATE.S.*.public.a" },
+					{ service: { account: "PUBLIC_ACCOUNT", subject: "$JS.API.CONSUMER.CREATE.S.*.public.b" }, to: "JS.PUBLIC_ACCOUNT.CONSUMER.CREATE.S.*.public.b" },
+					{ service: { account: "PUBLIC_ACCOUNT", subject: "$JS.API.CONSUMER.CREATE.S.*.public.c" }, to: "JS.PUBLIC_ACCOUNT.CONSUMER.CREATE.S.*.public.c" },
+					{ service: { account: "PUBLIC_ACCOUNT", subject: "$JS.FC.>" }, to: "$JS.FC.>" },
+					{ stream: { account: "PUBLIC_ACCOUNT", subject: "shared.public.>" }, to: "shared.public.>" }
+				]
+				users: [ {user: "internal", password: "pwd"} ]
+			}
+		}
+	`, t.TempDir()))
+	s, _ := RunServerWithConfig(conf)
+	defer s.Shutdown()
+
+	pc, pjs := jsClientConnect(t, s, nats.UserInfo("public", "pwd"))
+	defer pc.Close()
+
+	_, err := pjs.AddStream(&nats.StreamConfig{
+		Name:     "S",
+		Subjects: []string{"public.>"},
+	})
+	require_NoError(t, err)
+
+	ic, ijs := jsClientConnect(t, s, nats.UserInfo("internal", "pwd"))
+	defer ic.Close()
+
+	addStream := func(name, fs string, transform *nats.SubjectTransformConfig) {
+		t.Helper()
+		sc := &nats.StreamConfig{
+			Name: name,
+			Mirror: &nats.StreamSource{
+				Name: "S",
+				External: &nats.ExternalStream{
+					APIPrefix:     "JS.PUBLIC_ACCOUNT",
+					DeliverPrefix: "shared.public",
+				},
+			},
+		}
+		if fs != _EMPTY_ {
+			sc.Mirror.FilterSubject = fs
+		} else {
+			sc.Mirror.SubjectTransforms = append(sc.Mirror.SubjectTransforms, *transform)
+		}
+		_, err = ijs.AddStream(sc)
+		require_NoError(t, err)
+	}
+
+	checkMirror := func(name string, expected int) {
+		t.Helper()
+		checkFor(t, time.Second, 15*time.Millisecond, func() error {
+			si, err := ijs.StreamInfo(name)
+			if err != nil {
+				return err
+			}
+			if n := int(si.State.Msgs); n != expected {
+				return fmt.Errorf("Expected %v mirrored message, got %v", expected, n)
+			}
+			return nil
+		})
+	}
+
+	// Just a subject filter
+	addStream("M1", "public.a", nil)
+	natsPub(t, pc, "public.a", []byte("hello"))
+	checkMirror("M1", 1)
+
+	// Now try with equivalent subject transform (no destination).
+	addStream("M2", _EMPTY_, &nats.SubjectTransformConfig{Source: "public.b"})
+	natsPub(t, pc, "public.b", []byte("hello"))
+	checkMirror("M2", 1)
+
+	// And now with a transform destination.
+	addStream("M3", _EMPTY_, &nats.SubjectTransformConfig{Source: "public.c", Destination: "public.d"})
+	natsPub(t, pc, "public.c", []byte("hello"))
+	checkMirror("M3", 1)
+
+	checkMsg := func(stream, subj string, seq uint64) {
+		t.Helper()
+		msg, err := ijs.GetMsg(stream, seq)
+		require_NoError(t, err)
+		require_Equal(t, msg.Subject, subj)
+	}
+	checkMsg("M1", "public.a", 1)
+	checkMsg("M2", "public.b", 2)
+	checkMsg("M3", "public.d", 3)
+
+	ic.Close()
+	pc.Close()
+	s.Shutdown()
+	s, _ = RunServerWithConfig(conf)
+	defer s.Shutdown()
+
+	ic, ijs = jsClientConnect(t, s, nats.UserInfo("internal", "pwd"))
+	defer ic.Close()
+
+	checkMirror("M1", 1)
+	checkMirror("M2", 1)
+	checkMirror("M3", 1)
+	checkMsg("M1", "public.a", 1)
+	checkMsg("M2", "public.b", 2)
+	checkMsg("M3", "public.d", 3)
+
+	pc, _ = jsClientConnect(t, s, nats.UserInfo("public", "pwd"))
+	defer pc.Close()
+	natsPub(t, pc, "public.a", []byte("hello"))
+	natsPub(t, pc, "public.b", []byte("hello"))
+	natsPub(t, pc, "public.c", []byte("hello"))
+	natsFlush(t, pc)
+
+	checkMirror("M1", 2)
+	checkMirror("M2", 2)
+	checkMirror("M3", 2)
+	checkMsg("M1", "public.a", 1)
+	checkMsg("M2", "public.b", 2)
+	checkMsg("M3", "public.d", 3)
+	checkMsg("M1", "public.a", 4)
+	checkMsg("M2", "public.b", 5)
+	checkMsg("M3", "public.d", 6)
+}
diff --git a/server/stream.go b/server/stream.go
index 7341bf24bde..9ce3098da97 100644
--- a/server/stream.go
+++ b/server/stream.go
@@ -2836,7 +2836,14 @@ func (mset *stream) setupMirrorConsumer() error {
 		}
 		mirror.sfs = sfs
 		mirror.trs = trs
-		req.Config.FilterSubjects = sfs
+		// If there was no explicit FilterSubject defined and we have a single
+		// subject transform, use Config.FilterSubject instead of FilterSubjects
+		// so that we can use the extended consumer create API down below.
+		if req.Config.FilterSubject == _EMPTY_ && len(sfs) == 1 {
+			req.Config.FilterSubject = sfs[0]
+		} else {
+			req.Config.FilterSubjects = sfs
+		}
 	}
 
 	respCh := make(chan *JSApiConsumerCreateResponse, 1)
@@ -2862,8 +2869,6 @@ func (mset *stream) setupMirrorConsumer() error {
 		return nil
 	}
 
-	b, _ := json.Marshal(req)
-
 	var subject string
 	if req.Config.FilterSubject != _EMPTY_ {
 		req.Config.Name = fmt.Sprintf("mirror-%s", createConsumerName())
@@ -2876,6 +2881,9 @@ func (mset *stream) setupMirrorConsumer() error {
 		subject = strings.ReplaceAll(subject, "..", ".")
 	}
 
+	// Marshal now that we are done with `req`.
+	b, _ := json.Marshal(req)
+
 	// Reset
 	mirror.msgs = nil
 	mirror.err = nil