diff --git a/.github/workflows/cmake-build.yml b/.github/workflows/cmake-build.yml
index 33a1f8d1..a773f759 100644
--- a/.github/workflows/cmake-build.yml
+++ b/.github/workflows/cmake-build.yml
@@ -104,6 +104,9 @@ jobs:
           - name: "No HAL"
             os: ubuntu-latest
             options: "-DWOLFTPM_HAL=no"
+          - name: "No HAL SPI"
+            os: ubuntu-latest
+            options: "-DWOLFTPM_INTERFACE=SPI -DWOLFTPM_HAL=no"
           # Test Firmware disabled
           - name: "No Firmware"
             os: ubuntu-latest
diff --git a/.github/workflows/make-test-swtpm.yml b/.github/workflows/make-test-swtpm.yml
index f7883a2f..a2e4bfa0 100644
--- a/.github/workflows/make-test-swtpm.yml
+++ b/.github/workflows/make-test-swtpm.yml
@@ -112,6 +112,10 @@ jobs:
           - name: hal-reset
             wolftpm_config: --enable-st33 --enable-hal-reset --disable-fwtpm
             test_command: "true"
+          # No example HAL, caller supplies the IO callback (compile-only)
+          - name: no-hal
+            wolftpm_config: --enable-spi --disable-hal --disable-fwtpm
+            test_command: "true"
           # SPDM + Nuvoton (compile-only, no hardware in CI)
           - name: spdm-nuvoton
             wolfssl_config: --enable-wolftpm --enable-ecc --enable-sha384 --enable-aesgcm --enable-hkdf --enable-sp
diff --git a/hal/tpm_io.c b/hal/tpm_io.c
index 4ab945d6..ade038c9 100644
--- a/hal/tpm_io.c
+++ b/hal/tpm_io.c
@@ -46,7 +46,9 @@
 /* Native Windows, native Linux and TPM Simulator do not need an IO callback */
 #if ! (defined(WOLFTPM_LINUX_DEV) || \
        defined(WOLFTPM_SWTPM) ||     \
-       defined(WOLFTPM_WINAPI) )
+       defined(WOLFTPM_WINAPI) ) && \
+    (defined(WOLFTPM_EXAMPLE_HAL) || defined(WOLFTPM_MMIO) || \
+     defined(WOLFTPM_FWTPM_HAL))
 
 /* Set WOLFTPM_INCLUDE_IO_FILE so each .c is built here and not compiled directly */
 #define WOLFTPM_INCLUDE_IO_FILE
@@ -280,7 +282,8 @@ int TPM2_IoCb_Reset(TPM2_CTX* ctx, void* userCtx)
 }
 #endif /* WOLFTPM_HAL_RESET */
 
-#endif /* !(WOLFTPM_LINUX_DEV || WOLFTPM_SWTPM || WOLFTPM_WINAPI) */
+#endif /* !(WOLFTPM_LINUX_DEV || WOLFTPM_SWTPM || WOLFTPM_WINAPI) &&
+        * (WOLFTPM_EXAMPLE_HAL || WOLFTPM_MMIO || WOLFTPM_FWTPM_HAL) */
 
 /******************************************************************************/
 /* --- END IO Callback Logic -- */
diff --git a/hal/tpm_io.h b/hal/tpm_io.h
index 256a7355..1d4da11b 100644
--- a/hal/tpm_io.h
+++ b/hal/tpm_io.h
@@ -64,7 +64,8 @@
 
 #else
 
-#ifdef WOLFTPM_EXAMPLE_HAL
+#if defined(WOLFTPM_EXAMPLE_HAL) || defined(WOLFTPM_MMIO) || \
+    defined(WOLFTPM_FWTPM_HAL)
 
 #ifdef WOLFTPM_ADV_IO
 WOLFTPM_API int TPM2_IoCb(TPM2_CTX* ctx, INT32 isRead, UINT32 addr,
@@ -160,7 +161,12 @@ WOLFTPM_LOCAL int TPM2_IoCb_Linux_Reset(TPM2_CTX* ctx, void* userCtx);
 #endif
 #endif
 
-#endif /* WOLFTPM_EXAMPLE_HAL */
+#else
+
+/* No example HAL: caller supplies its own IO callback to wolfTPM2_Init */
+#define TPM2_IoCb NULL
+
+#endif /* WOLFTPM_EXAMPLE_HAL || WOLFTPM_MMIO || WOLFTPM_FWTPM_HAL */
 #endif /* !(WOLFTPM_LINUX_DEV || WOLFTPM_SWTPM || WOLFTPM_WINAPI) */
 
 #ifdef __cplusplus