diff --git a/app/src/main/java/com/tangem/wallet/xlm/XlmData.java b/app/src/main/java/com/tangem/wallet/xlm/XlmData.java
index f8b0cd7e37..b956759278 100644
--- a/app/src/main/java/com/tangem/wallet/xlm/XlmData.java
+++ b/app/src/main/java/com/tangem/wallet/xlm/XlmData.java
@@ -6,7 +6,6 @@ import android.util.Log;
 import com.tangem.wallet.CoinData;
 import com.tangem.wallet.CoinEngine;
 
-import org.bitcoinj.core.Coin;
 import org.stellar.sdk.KeyPair;
 import org.stellar.sdk.responses.AccountResponse;
 import org.stellar.sdk.responses.LedgerResponse;
@@ -31,11 +30,13 @@ public class XlmData extends CoinData {
     private Long sequenceNumber = 0L;
     private CoinEngine.Amount baseReserve = new CoinEngine.Amount("0.5", "XLM");
     private CoinEngine.Amount baseFee = new CoinEngine.Amount("0.00001", "XLM");
+    private boolean error404 = false;
 
     @Override
     public void clearInfo() {
         super.clearInfo();
         balance = null;
+        error404 = false;
     }
 
     CoinEngine.Amount getBalance() {
@@ -77,6 +78,14 @@ public class XlmData extends CoinData {
         sequenceNumber++;
     }
 
+    public boolean isError404() {
+        return error404;
+    }
+
+    public void setError404(boolean error404) {
+        this.error404 = error404;
+    }
+
     @Override
     public void loadFromBundle(Bundle B) {
         super.loadFromBundle(B);
@@ -104,6 +113,9 @@ public class XlmData extends CoinData {
         } else {
             baseFee = new CoinEngine.Amount("0.00001", "XLM");
         }
+
+        if (B.containsKey("Error404")) error404 = B.getBoolean("Error404");
+        else error404 = false;
     }
 
     @Override
@@ -129,6 +141,8 @@ public class XlmData extends CoinData {
                 B.putString("BaseFeeDecimal", baseFee.toValueString());
             }
 
+            if (error404) B.putBoolean("Error404", true);
+
         } catch (Exception e) {
             Log.e("Can't save to bundle ", e.getMessage());
         }
diff --git a/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java b/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java
index 0e3d64c978..a2e848e234 100644
--- a/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java
+++ b/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java
@@ -202,10 +202,16 @@ public class XlmEngine extends CoinEngine {
     public boolean validateBalance(BalanceValidator balanceValidator) {
         try {
             if (((ctx.getCard().getOfflineBalance() == null) && !ctx.getCoinData().isBalanceReceived()) || (!ctx.getCoinData().isBalanceReceived() && (ctx.getCard().getRemainingSignatures() != ctx.getCard().getMaxSignatures()))) {
-                balanceValidator.setScore(0);
-                balanceValidator.setFirstLine("Unknown balance");
-                balanceValidator.setSecondLine("Balance cannot be verified. Swipe down to refresh.");
-                return false;
+                if (coinData.isError404()) {
+                    balanceValidator.setScore(0);
+                    balanceValidator.setFirstLine("No account or network error");
+                    balanceValidator.setSecondLine("To create account send 1+ XLM to this address");
+                } else {
+                    balanceValidator.setScore(0);
+                    balanceValidator.setFirstLine("Unknown balance");
+                    balanceValidator.setSecondLine("Balance cannot be verified. Swipe down to refresh.");
+                    return false;
+                }
             }
 
             // Workaround before new back-end
@@ -441,9 +447,19 @@ public class XlmEngine extends CoinEngine {
             @Override
             public void onFail(StellarRequest.Base request) {
                 Log.i(TAG, "onFail: " + request.getClass().getSimpleName() + " " + request.getError());
-                ctx.setError(request.getError());
+
+                if (request.errorResponse.getCode() == 404) {
+                    coinData.setError404(true);
+                } else {
+                    ctx.setError(request.getError());
+                }
+
                 if (serverApi.isRequestsSequenceCompleted()) {
-                    blockchainRequestsCallbacks.onComplete(false);
+                    if (ctx.hasError()) {
+                        blockchainRequestsCallbacks.onComplete(false);
+                    } else {
+                        blockchainRequestsCallbacks.onComplete(true);
+                    }
                 } else {
                     blockchainRequestsCallbacks.onProgress();
                 }