diff --git a/apps/web/app/(dashboard)/layout.tsx b/apps/web/app/(dashboard)/layout.tsx
index 3a8becd..da4002d 100644
--- a/apps/web/app/(dashboard)/layout.tsx
+++ b/apps/web/app/(dashboard)/layout.tsx
@@ -12,7 +12,9 @@ export default function DashboardLayout({ children }: { children: React.ReactNod
         <div className="mx-auto flex h-12 max-w-7xl items-center justify-between gap-2 px-4 sm:px-6">
           <div className="flex min-w-0 items-center gap-2 sm:gap-6">
             <Logo />
-            <nav className="flex items-center gap-0.5 sm:gap-1">
+            {/* Desktop nav — on mobile this is hidden and destinations live
+                in the bottom MobileActionBar tab-bar instead. */}
+            <nav className="hidden items-center gap-0.5 sm:flex sm:gap-1">
               <NavLink href="/dashboard" icon={<LayoutGrid size={13} />}>
                 Overview
               </NavLink>
diff --git a/apps/web/components/mobile-action-bar.tsx b/apps/web/components/mobile-action-bar.tsx
index ccce73c..c4b7000 100644
--- a/apps/web/components/mobile-action-bar.tsx
+++ b/apps/web/components/mobile-action-bar.tsx
@@ -1,35 +1,108 @@
 'use client';
 
+import { cn } from '@/lib/cn';
+import { LayoutGrid, Package, PlusCircle, Server, Settings } from 'lucide-react';
 import Link from 'next/link';
 import { usePathname } from 'next/navigation';
 
-// Routes where the global "+ New server" CTA makes no sense — the wizard is
-// itself the create flow and owns its own primary action.
-const HIDDEN_PATHS: readonly string[] = ['/servers/new'];
+interface Tab {
+  href: string;
+  label: string;
+  icon: React.ComponentType<{ size?: number }>;
+  prominent?: boolean;
+  matchExact?: boolean;
+}
 
 /**
- * Mobile-only sticky bottom action bar. On phones the dashboard top header is
- * already tight with the nav icons; the primary action belongs in the thumb
- * zone, not crammed top-right. Hidden from `sm:` upward where the header has
- * room for the same button inline.
+ * Mobile bottom navigation — replaces the top nav on small screens with a
+ * native-app-style tab bar. Five destinations, "Create" as a prominent
+ * FAB-style centre button. The top header drops to just Logo + UserMenu on
+ * mobile (see (dashboard)/layout.tsx) so there's no duplicated nav.
+ *
+ * Desktop is unchanged: top nav for destinations, "+ New server" pill in
+ * the header. The whole component is `sm:hidden`.
+ *
+ * Audit is intentionally demoted on mobile (low-frequency); still reachable
+ * via the direct /audit URL or via the Account section.
  */
+const TABS: Tab[] = [
+  { href: '/dashboard', label: 'Overview', icon: LayoutGrid, matchExact: true },
+  { href: '/servers', label: 'Servers', icon: Server },
+  { href: '/servers/new', label: 'Create', icon: PlusCircle, prominent: true, matchExact: true },
+  { href: '/templates', label: 'Market', icon: Package },
+  { href: '/settings', label: 'Settings', icon: Settings },
+];
+
+function useIsActive(pathname: string) {
+  return (tab: Tab): boolean => {
+    if (tab.matchExact) return pathname === tab.href;
+    // /servers matches /servers and /servers/<id> but NOT /servers/new
+    // (that's the dedicated Create tab).
+    if (tab.href === '/servers') {
+      return (
+        pathname === '/servers' ||
+        (pathname.startsWith('/servers/') && pathname !== '/servers/new')
+      );
+    }
+    return pathname.startsWith(tab.href);
+  };
+}
+
 export function MobileActionBar() {
   const pathname = usePathname();
-  if (HIDDEN_PATHS.includes(pathname)) return null;
+  const isActive = useIsActive(pathname);
 
   return (
-    <div
-      className="fixed inset-x-0 bottom-0 z-40 border-t border-[--color-border] bg-[--color-bg-elevated]/95 backdrop-blur sm:hidden"
-      style={{ paddingBottom: 'max(env(safe-area-inset-bottom), 0.5rem)' }}
+    <nav
+      aria-label="Primary"
+      className="fixed inset-x-0 bottom-0 z-40 flex border-t backdrop-blur-md sm:hidden"
+      style={{
+        backgroundColor: 'color-mix(in oklab, var(--color-bg-elevated) 90%, transparent)',
+        borderColor: 'var(--color-border)',
+        paddingBottom: 'env(safe-area-inset-bottom)',
+      }}
     >
-      <div className="mx-auto flex max-w-7xl px-4 pt-2.5">
-        <Link
-          href="/servers/new"
-          className="inline-flex h-11 w-full items-center justify-center gap-1.5 rounded-md bg-[--color-accent] text-[14px] font-medium text-white transition-colors duration-200 active:bg-[#5557e8]"
-        >
-          + New server
-        </Link>
-      </div>
-    </div>
+      {TABS.map((tab) => {
+        const Icon = tab.icon;
+        const active = isActive(tab);
+
+        if (tab.prominent) {
+          // FAB-style centre button — raised above the bar, accent fill.
+          // The negative top margin (-mt-3) lifts it so it overlaps the
+          // border-top of the bar, mimicking iOS/Material tab-bar FABs.
+          return (
+            <Link
+              key={tab.href}
+              href={tab.href}
+              aria-label={tab.label}
+              className="relative flex flex-1 items-center justify-center"
+            >
+              <span
+                className="-mt-3 flex size-12 items-center justify-center rounded-full text-white shadow-lg shadow-black/40 transition-transform active:scale-95"
+                style={{ backgroundColor: 'var(--color-accent)' }}
+              >
+                <Icon size={22} />
+              </span>
+            </Link>
+          );
+        }
+
+        return (
+          <Link
+            key={tab.href}
+            href={tab.href}
+            aria-current={active ? 'page' : undefined}
+            className={cn(
+              'flex flex-1 flex-col items-center justify-center gap-0.5 py-2 text-[10.5px] transition-colors',
+              active ? 'text-[--color-accent]' : 'text-[--color-fg-muted]',
+            )}
+            style={active ? { color: 'var(--color-accent)' } : undefined}
+          >
+            <Icon size={18} />
+            <span className="font-medium">{tab.label}</span>
+          </Link>
+        );
+      })}
+    </nav>
   );
 }