diff --git a/app/src/main/java/com/tangem/data/network/ServerApiStellar.java b/app/src/main/java/com/tangem/data/network/ServerApiStellar.java
index b63a42274e..9882a26902 100644
--- a/app/src/main/java/com/tangem/data/network/ServerApiStellar.java
+++ b/app/src/main/java/com/tangem/data/network/ServerApiStellar.java
@@ -117,9 +117,9 @@ public class ServerApiStellar {
                                 return Observable.just(stellarRequest1);
                         }
                 )
-                .retryWhen(errors -> errors
-                        .filter(throwable -> (throwable instanceof IOException) || (throwable instanceof ErrorResponse))
-                        .zipWith(Observable.range(1, 4), (n, i) -> i))
+//                .retryWhen(errors -> errors
+//                        .filter(throwable -> (throwable instanceof IOException) || (throwable instanceof ErrorResponse))
+//                        .zipWith(Observable.range(1, 4), (n, i) -> i))
 
                 .subscribeOn(Schedulers.io())
                 .observeOn(AndroidSchedulers.mainThread());
@@ -136,8 +136,8 @@ public class ServerApiStellar {
                 LOG.e(TAG, "requestData " + stellarRequest.getClass().getSimpleName() + " onError " + e.getMessage());
                 LOG.e(TAG, String.format("%d requests left in processing", requestsCount));
 
-                if (isRetry) {
-                    stellarRequest.setError(ctx.getString(R.string.loaded_wallet_error_obtaining_blockchain_data));
+                if (isRetry || stellarRequest.errorResponse.getCode() == 404) {
+                    stellarRequest.setError(e.getMessage());
                     //setErrorOccurred(e.getMessage());//;
                     listener.onFail(stellarRequest);
                 } else {
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 b956759278..9eab0764f8 100644
--- a/app/src/main/java/com/tangem/wallet/xlm/XlmData.java
+++ b/app/src/main/java/com/tangem/wallet/xlm/XlmData.java
@@ -30,13 +30,14 @@ 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;
+    private boolean error404, targetAccountCreated = false;
 
     @Override
     public void clearInfo() {
         super.clearInfo();
         balance = null;
         error404 = false;
+        targetAccountCreated = false;
     }
 
     CoinEngine.Amount getBalance() {
@@ -86,6 +87,14 @@ public class XlmData extends CoinData {
         this.error404 = error404;
     }
 
+    public boolean isTargetAccountCreated() {
+        return targetAccountCreated;
+    }
+
+    public void setTargetAccountCreated(boolean targetAccountCreated) {
+        this.targetAccountCreated = targetAccountCreated;
+    }
+
     @Override
     public void loadFromBundle(Bundle B) {
         super.loadFromBundle(B);
@@ -116,6 +125,9 @@ public class XlmData extends CoinData {
 
         if (B.containsKey("Error404")) error404 = B.getBoolean("Error404");
         else error404 = false;
+
+        if (B.containsKey("TargetAccountCreated")) targetAccountCreated = B.getBoolean("TargetAccountCreated");
+        else targetAccountCreated = false;
     }
 
     @Override
@@ -143,6 +155,8 @@ public class XlmData extends CoinData {
 
             if (error404) B.putBoolean("Error404", true);
 
+            if (targetAccountCreated) B.putBoolean("TargetAccountCreated", 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 f22bdc5c2f..717d3d85bf 100644
--- a/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java
+++ b/app/src/main/java/com/tangem/wallet/xlm/XlmEngine.java
@@ -361,7 +361,7 @@ public class XlmEngine extends CoinEngine {
         }
 
         Operation operation;
-        if (isAccountCreated(targetAddress))
+        if (coinData.isTargetAccountCreated())
             operation = new PaymentOperation.Builder(KeyPair.fromAccountId(targetAddress), new AssetTypeNative(), amountValue.toValueString()).build();
         else
             operation = new CreateAccountOperation.Builder(KeyPair.fromAccountId(targetAddress), amountValue.toValueString()).build();
@@ -414,24 +414,41 @@ public class XlmEngine extends CoinEngine {
         };
     }
 
-
-    // network call inside, don't use on main thread
-    private boolean isAccountCreated(String address) {
+    private void checkTargetAccountCreated(BlockchainRequestsCallbacks blockchainRequestsCallbacks, String targetAddress, Amount amount) {
         final ServerApiStellar serverApi = new ServerApiStellar(ctx.getBlockchain());
 
-        StellarRequest.Balance request = new StellarRequest.Balance(address);
+        ServerApiStellar.Listener listener = new ServerApiStellar.Listener() {
+            @Override
+            public void onSuccess(StellarRequest.Base request) {
+                coinData.setTargetAccountCreated(true);
+                blockchainRequestsCallbacks.onComplete(true);
+            }
 
-        try {
-            serverApi.doStellarRequest(ctx, request);
-        } catch (IOException e) {
-            Log.e(TAG, e.getMessage());
-            return true; // suppose account is created if anything goes wrong TODO:check
-        }
 
-        if (request.errorResponse != null && request.errorResponse.getCode() == 404)
-            return false;
-        else
-            return true;
+            @Override
+            public void onFail(StellarRequest.Base request) {
+                Log.i(TAG, "onFail: " + request.getClass().getSimpleName() + " " + request.getError());
+
+                if (request.errorResponse.getCode() == 404) {
+                    coinData.setTargetAccountCreated(false);
+
+                    if (amount.compareTo(coinData.getReserve()) >= 0) { //TODO: take fee inclusion in account, now 1 XLM with fee included will fail after transaction is sent
+                        blockchainRequestsCallbacks.onComplete(true);
+                    } else {
+                        ctx.setError(R.string.confirm_transaction_error_not_enough_xlm_for_create);
+                        blockchainRequestsCallbacks.onComplete(false);
+                    }
+                } else { // suppose account is created if anything goes wrong
+                    coinData.setTargetAccountCreated(true);
+                    blockchainRequestsCallbacks.onComplete(true);
+                }
+            }
+        };
+
+        serverApi.setListener(listener);
+
+        serverApi.requestData(ctx, new StellarRequest.Balance(targetAddress));
+
     }
 
     @Override
@@ -501,9 +518,8 @@ public class XlmEngine extends CoinEngine {
 
     @Override
     public void requestFee(BlockchainRequestsCallbacks blockchainRequestsCallbacks, String targetAddress, Amount amount) throws Exception {
-        // TODO: get fee stats?
         coinData.minFee = coinData.normalFee = coinData.maxFee = coinData.getBaseFee();
-        blockchainRequestsCallbacks.onComplete(true);
+        checkTargetAccountCreated(blockchainRequestsCallbacks, targetAddress, amount); //TODO: move?
     }
 
     @Override
diff --git a/app/src/main/res/values/strings.xml b/app/src/main/res/values/strings.xml
index 24812c1f37..53a6ee35ff 100644
--- a/app/src/main/res/values/strings.xml
+++ b/app/src/main/res/values/strings.xml
@@ -205,10 +205,12 @@
     <string name="confirm_transaction_error_incoming_transaction_unconfirmed">Please wait for confirmation of incoming transaction</string>
     <string name="confirm_transaction_error_not_enough_eth_for_fee">Not enough ETH funds for fee</string>
     <string name="confirm_transaction_error_not_enough_rbtc_for_fee">Not enough RBTC funds for fee</string>
+    <string name="confirm_transaction_error_not_enough_xlm_for_create">Target account is not created! Send 1+ XLM to create it</string>
     <string name="confirm_transaction_error_pin_2_is_required">PIN2 is required to sign the payment</string>
     <string name="confirm_transaction_error_service_unavailable">Service unavailable</string>
     <string name="confirm_transaction_warning_risk_delaying">You have a risk of delaying transaction</string>
 
+
     <!-- EmptyWallet -->
     <string name="empty_wallet_not_created">Wallet hasn\'t been yet created</string>
     <string name="empty_wallet_btn_create">Create Wallet</string>