The accretion process in a typical S-type symbiotic star, targeting AG Draconis, is investigated through 3D hydrodynamical simulations using the FLASH code. Regardless of the wind velocity of the giant star, an accretion disk surrounding the white dwarf is always formed. In models where the wind is faster than the orbital velocity of the white dwarf, the disk size and accretion rate are consistent with the predictions under Bondi–Hoyle–Lyttleton (BHL) conditions. In slower-wind models, unlike the BHL predictions, the disk size does not grow, and the accretion rate increases to a considerably higher level, up to >20% of the mass-loss rate of the giant star. The accretion disk in our fiducial model is characterized by a flared disk with a radius of 0.16 au and a scale height of 0.03 au. The disk mass of ∼5 × 10−8
M
⊙ is asymmetrically distributed, with the density peak toward the giant star being about 50% higher than the density minimum in the disk. Two inflowing spiral features are clearly identified, and their relevance to the azimuthal asymmetry of the disk is pointed out. The flow in the accretion disk is found to be sub-Keplerian, at about 90% of the Keplerian speed, which indicates a caveat of overestimating the O vi emission region from the spectroscopy of Raman-scattered O vi features at 6825 and 7082 Å.