diff --git a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
index 3c8c65552b..c5d7328de1 100644
--- a/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
+++ b/android/navi-pay/src/main/kotlin/com/navi/pay/management/common/sendmoney/viewmodel/SendMoneyViewModel.kt
@@ -872,7 +872,8 @@ constructor(
         val paymentAmount = paymentAmount.value.toDoubleOrNull() ?: 0.0
         val liteAccountBalanceValue = liteAccountBalance.toDoubleOrNull() ?: 0.0
 
-        val isBalanceSufficient = paymentAmount <= liteAccountBalanceValue
+        val isBalanceSufficient =
+            paymentAmount <= liteAccountBalanceValue && liteAccountBalanceValue > 0
 
         val isMaxPayableAmountExceeded = paymentAmount > maxPayableAmountThroughLiteAccount.get()