diff --git a/src/bin/psql/command.c b/src/bin/psql/command.c
index 015c391..63a6f99 100644
--- a/src/bin/psql/command.c
+++ b/src/bin/psql/command.c
@@ -2829,7 +2829,7 @@ prompt_for_password(const char *username)
 {
 	char		buf[100];
 
-	if (username == NULL)
+	if (username == NULL || username[0] == '\0')
 		simple_prompt("Password: ", buf, sizeof(buf), false);
 	else
 	{
@@ -2957,6 +2957,11 @@ do_connect(enum trivalue reuse_previous_specification,
 	 * XXX: this behavior leads to spurious connection attempts recorded in
 	 * the postmaster's log.  But libpq offers no API that would let us obtain
 	 * a password and then continue with the first connection attempt.
+	 *
+	 * XXX: prompting with "user" might be the wrong thing, if the dbname is a
+	 * connstring or URI that overrides that.  But getPassword == TRI_YES is a
+	 * seldom-used option, so it doesn't seem worth sweating over.  The normal
+	 * prompting path below gets it right.
 	 */
 	if (pset.getPassword == TRI_YES)
 	{
@@ -3026,8 +3031,12 @@ do_connect(enum trivalue reuse_previous_specification,
 		 */
 		if (!password && PQconnectionNeedsPassword(n_conn) && pset.getPassword != TRI_NO)
 		{
+			/*
+			 * Prompt for password using the username we actually connected
+			 * with --- it might've come out of "dbname" rather than "user".
+			 */
+			password = prompt_for_password(PQuser(n_conn));
 			PQfinish(n_conn);
-			password = prompt_for_password(user);
 			continue;
 		}
 
diff --git a/src/bin/psql/startup.c b/src/bin/psql/startup.c
index ec6ae45..be57574 100644
--- a/src/bin/psql/startup.c
+++ b/src/bin/psql/startup.c
@@ -101,7 +101,6 @@ main(int argc, char *argv[])
 	int			successResult;
 	bool		have_password = false;
 	char		password[100];
-	char	   *password_prompt = NULL;
 	bool		new_pass;
 
 	set_pglocale_pgservice(argv[0], PG_TEXTDOMAIN("psql"));
@@ -205,15 +204,14 @@ main(int argc, char *argv[])
 		pset.popt.topt.recordSep.separator_zero = false;
 	}
 
-	if (options.username == NULL)
-		password_prompt = pg_strdup(_("Password: "));
-	else
-		password_prompt = psprintf(_("Password for user %s: "),
-								   options.username);
-
 	if (pset.getPassword == TRI_YES)
 	{
-		simple_prompt(password_prompt, password, sizeof(password), false);
+		/*
+		 * We can't be sure yet of the username that will be used, so don't
+		 * offer a potentially wrong one.  Typical uses of this option are
+		 * noninteractive anyway.
+		 */
+		simple_prompt("Password: ", password, sizeof(password), false);
 		have_password = true;
 	}
 
@@ -252,15 +250,28 @@ main(int argc, char *argv[])
 			!have_password &&
 			pset.getPassword != TRI_NO)
 		{
+			/*
+			 * Before closing the old PGconn, extract the user name that was
+			 * actually connected with --- it might've come out of a URI or
+			 * connstring "database name" rather than options.username.
+			 */
+			const char *realusername = PQuser(pset.db);
+			char	   *password_prompt;
+
+			if (realusername && realusername[0])
+				password_prompt = psprintf(_("Password for user %s: "),
+										   realusername);
+			else
+				password_prompt = pg_strdup(_("Password: "));
 			PQfinish(pset.db);
+
 			simple_prompt(password_prompt, password, sizeof(password), false);
+			free(password_prompt);
 			have_password = true;
 			new_pass = true;
 		}
 	} while (new_pass);
 
-	free(password_prompt);
-
 	if (PQstatus(pset.db) == CONNECTION_BAD)
 	{
 		fprintf(stderr, "%s: %s", pset.progname, PQerrorMessage(pset.db));