diff --git a/app/server/me_api/credit_transfer.py b/app/server/me_api/credit_transfer.py
index 6bebdbdcc..16b90f59d 100644
--- a/app/server/me_api/credit_transfer.py
+++ b/app/server/me_api/credit_transfer.py
@@ -286,7 +286,7 @@ def post(self):
             receive_user = g.user
             receive_transfer_account = my_transfer_account
 
-        if transfer_amount == 0 or transfer_amount > send_transfer_account.balance:
+        if not transfer_card and (transfer_amount == 0 or transfer_amount > send_transfer_account.balance):
 
             db.session.commit()
 
@@ -305,7 +305,8 @@ def post(self):
                                              transfer_use=transfer_use,
                                              transfer_mode=transfer_mode,
                                              uuid=uuid,
-                                             transfer_card=transfer_card)
+                                             transfer_card=transfer_card,
+                                             require_sufficient_balance=False)
 
         except AccountNotApprovedError as e:
             db.session.commit()