diff --git a/builtin/receive-pack.c b/builtin/receive-pack.c
index 1a31a58367..03ac7b01d2 100644
--- a/builtin/receive-pack.c
+++ b/builtin/receive-pack.c
@@ -2524,10 +2524,10 @@ int cmd_receive_pack(int argc, const char **argv, const char *prefix)
 	if (cert_nonce_seed)
 		push_cert_nonce = prepare_push_cert_nonce(service_dir, time(NULL));
 
-	if (0 <= transfer_unpack_limit)
-		unpack_limit = transfer_unpack_limit;
-	else if (0 <= receive_unpack_limit)
+	if (0 <= receive_unpack_limit)
 		unpack_limit = receive_unpack_limit;
+	else if (0 <= transfer_unpack_limit)
+		unpack_limit = transfer_unpack_limit;
 
 	switch (determine_protocol_version_server()) {
 	case protocol_v2:
diff --git a/fetch-pack.c b/fetch-pack.c
index 0f71054fba..8b300545d5 100644
--- a/fetch-pack.c
+++ b/fetch-pack.c
@@ -1911,10 +1911,10 @@ static void fetch_pack_setup(void)
 	if (did_setup)
 		return;
 	fetch_pack_config();
-	if (0 <= transfer_unpack_limit)
-		unpack_limit = transfer_unpack_limit;
-	else if (0 <= fetch_unpack_limit)
+	if (0 <= fetch_unpack_limit)
 		unpack_limit = fetch_unpack_limit;
+	else if (0 <= transfer_unpack_limit)
+		unpack_limit = transfer_unpack_limit;
 	did_setup = 1;
 }
 
diff --git a/t/t5510-fetch.sh b/t/t5510-fetch.sh
index 4f289063ce..19c36b57f4 100755
--- a/t/t5510-fetch.sh
+++ b/t/t5510-fetch.sh
@@ -1127,6 +1127,52 @@ do
 	'
 done
 
+test_expect_success 'prepare source branch' '
+	echo one >onebranch &&
+	git checkout --orphan onebranch &&
+	git rm --cached -r . &&
+	git add onebranch &&
+	git commit -m onebranch &&
+	git rev-list --objects onebranch -- >actual &&
+	# 3 objects should be created, at least ...
+	test 3 -le $(wc -l <actual)
+'
+
+validate_store_type () {
+	git -C dest count-objects -v >actual &&
+	case "$store_type" in
+	packed)
+		grep "^count: 0$" actual ;;
+	loose)
+		grep "^packs: 0$" actual ;;
+	esac || {
+		echo "store_type is $store_type"
+		cat actual
+		false
+	}
+}
+
+test_unpack_limit () {
+	store_type=$1
+
+	case "$store_type" in
+	packed) fetch_limit=1 transfer_limit=10000 ;;
+	loose) fetch_limit=10000 transfer_limit=1 ;;
+	esac
+
+	test_expect_success "fetch trumps transfer limit" '
+		rm -fr dest &&
+		git --bare init dest &&
+		git -C dest config fetch.unpacklimit $fetch_limit &&
+		git -C dest config transfer.unpacklimit $transfer_limit &&
+		git -C dest fetch .. onebranch &&
+		validate_store_type
+	'
+}
+
+test_unpack_limit packed
+test_unpack_limit loose
+
 setup_negotiation_tip () {
 	SERVER="$1"
 	URL="$2"
diff --git a/t/t5546-receive-limits.sh b/t/t5546-receive-limits.sh
index eed3c9d81a..9fc9ba552f 100755
--- a/t/t5546-receive-limits.sh
+++ b/t/t5546-receive-limits.sh
@@ -9,10 +9,26 @@ TEST_PASSES_SANITIZE_LEAK=true
 # When the limit is 1, `git receive-pack` will call `git index-pack`.
 # When the limit is 10000, `git receive-pack` will call `git unpack-objects`.
 
+validate_store_type () {
+	git -C dest count-objects -v >actual &&
+	case "$store_type" in
+	index)
+		grep "^count: 0$" actual ;;
+	unpack)
+		grep "^packs: 0$" actual ;;
+	esac || {
+		echo "store_type is $store_type"
+		cat actual
+		false;
+	}
+}
+
 test_pack_input_limit () {
-	case "$1" in
-	index) unpack_limit=1 ;;
-	unpack) unpack_limit=10000 ;;
+	store_type=$1
+
+	case "$store_type" in
+	index) unpack_limit=1 other_limit=10000 ;;
+	unpack) unpack_limit=10000 other_limit=1 ;;
 	esac
 
 	test_expect_success 'prepare destination repository' '
@@ -43,6 +59,19 @@ test_pack_input_limit () {
 		git --git-dir=dest config receive.maxInputSize 0 &&
 		git push dest HEAD
 	'
+
+	test_expect_success 'prepare destination repository (once more)' '
+		rm -fr dest &&
+		git --bare init dest
+	'
+
+	test_expect_success 'receive trumps transfer' '
+		git --git-dir=dest config receive.unpacklimit "$unpack_limit" &&
+		git --git-dir=dest config transfer.unpacklimit "$other_limit" &&
+		git push dest HEAD &&
+		validate_store_type
+	'
+
 }
 
 test_expect_success "create known-size (1024 bytes) commit" '