diff --git a/src/subdomains/core/sell-crypto/process/__tests__/buy-fiat.entity.spec.ts b/src/subdomains/core/sell-crypto/process/__tests__/buy-fiat.entity.spec.ts
new file mode 100644
index 0000000000..954239b405
--- /dev/null
+++ b/src/subdomains/core/sell-crypto/process/__tests__/buy-fiat.entity.spec.ts
@@ -0,0 +1,58 @@
+import { createCustomAsset } from 'src/shared/models/asset/__mocks__/asset.entity.mock';
+import { createCustomFiat } from 'src/shared/models/fiat/__mocks__/fiat.entity.mock';
+import { createCustomSell } from 'src/subdomains/core/sell-crypto/route/__mocks__/sell.entity.mock';
+import { createCustomBank, olkyEUR, yapealCHF } from 'src/subdomains/supporting/bank/bank/__mocks__/bank.entity.mock';
+import { IbanBankName } from 'src/subdomains/supporting/bank/bank/dto/bank.dto';
+import { createCustomFiatOutput } from 'src/subdomains/supporting/fiat-output/__mocks__/fiat-output.entity.mock';
+import { createCustomBuyFiat } from '../__mocks__/buy-fiat.entity.mock';
+
+describe('BuyFiat', () => {
+  describe('pendingOutputAmount', () => {
+    const chfYapealAsset = createCustomAsset({ name: 'CHF', dexName: 'CHF', bank: yapealCHF });
+    const eurOlkyAsset = createCustomAsset({ name: 'EUR', dexName: 'EUR', bank: olkyEUR });
+
+    it('counts the output as liability while transmitted but not yet completed (Yapeal)', () => {
+      const buyFiat = createCustomBuyFiat({
+        outputAmount: 14980.12,
+        sell: createCustomSell({ fiat: createCustomFiat({ name: 'CHF' }) }),
+        fiatOutput: createCustomFiatOutput({
+          bank: createCustomBank({ name: IbanBankName.YAPEAL, currency: 'CHF' }),
+          isTransmittedDate: new Date(),
+        }),
+      });
+
+      expect(buyFiat.pendingOutputAmount(chfYapealAsset)).toEqual(14980.12);
+    });
+
+    it('counts the output under the payout bank asset only', () => {
+      const buyFiat = createCustomBuyFiat({
+        outputAmount: 100,
+        sell: createCustomSell({ fiat: createCustomFiat({ name: 'EUR' }) }),
+        fiatOutput: createCustomFiatOutput({ bank: olkyEUR, isTransmittedDate: new Date() }),
+      });
+
+      expect(buyFiat.pendingOutputAmount(eurOlkyAsset)).toEqual(100);
+      expect(buyFiat.pendingOutputAmount(chfYapealAsset)).toEqual(0);
+    });
+
+    it('defaults to Yapeal when no fiat output exists yet', () => {
+      const buyFiat = createCustomBuyFiat({
+        outputAmount: 50,
+        sell: createCustomSell({ fiat: createCustomFiat({ name: 'CHF' }) }),
+        fiatOutput: undefined,
+      });
+
+      expect(buyFiat.pendingOutputAmount(chfYapealAsset)).toEqual(50);
+      expect(buyFiat.pendingOutputAmount(eurOlkyAsset)).toEqual(0);
+    });
+
+    it('returns 0 before the output amount is set', () => {
+      const buyFiat = createCustomBuyFiat({
+        outputAmount: undefined,
+        sell: createCustomSell({ fiat: createCustomFiat({ name: 'CHF' }) }),
+      });
+
+      expect(buyFiat.pendingOutputAmount(chfYapealAsset)).toEqual(0);
+    });
+  });
+});
diff --git a/src/subdomains/core/sell-crypto/process/buy-fiat.entity.ts b/src/subdomains/core/sell-crypto/process/buy-fiat.entity.ts
index ecbbcc3005..73ce177b7f 100644
--- a/src/subdomains/core/sell-crypto/process/buy-fiat.entity.ts
+++ b/src/subdomains/core/sell-crypto/process/buy-fiat.entity.ts
@@ -557,8 +557,9 @@ export class BuyFiat extends IEntity {
   pendingOutputAmount(asset: Asset): number {
     const payoutBankName = this.fiatOutput?.bank?.name ?? IbanBankName.YAPEAL;
 
-    if (payoutBankName === IbanBankName.YAPEAL && this.fiatOutput?.isTransmittedDate) return 0;
-
+    // the output stays a liability until the entity completes (outgoing bankTx booked): the bank
+    // balance only drops when the bank books the debit, which can be days after transmission
+    // (weekend/cut-off batches) - and a transmitted payment may still fail
     return this.outputAmount && asset.dexName === this.sell.fiat.name && asset.bank?.name === payoutBankName
       ? this.outputAmount
       : 0;