diff --git a/packages/snap/snap.manifest.json b/packages/snap/snap.manifest.json
index 97b74c41..dd6e9cc2 100644
--- a/packages/snap/snap.manifest.json
+++ b/packages/snap/snap.manifest.json
@@ -7,7 +7,7 @@
     "url": "https://github.com/MetaMask/snap-stellar-wallet.git"
   },
   "source": {
-    "shasum": "1ftcq5ewpbXIRZpVifhbpo4kHtdvXB4MEoo+bgjMWGQ=",
+    "shasum": "RqbkugCNiav9qiJcb1QMyvL0xadFNLVLszDGTBpCrfM=",
     "location": {
       "npm": {
         "filePath": "dist/bundle.js",
diff --git a/packages/snap/src/handlers/clientRequest/computeFee.test.ts b/packages/snap/src/handlers/clientRequest/computeFee.test.ts
index a5e9b6fb..d2444ecb 100644
--- a/packages/snap/src/handlers/clientRequest/computeFee.test.ts
+++ b/packages/snap/src/handlers/clientRequest/computeFee.test.ts
@@ -1,7 +1,7 @@
 import { FeeType } from '@metamask/keyring-api';
 import { Networks } from '@stellar/stellar-sdk';
 
-import { ClientRequestMethod } from './api';
+import { ClientRequestMethod, MultiChainSendErrorCodes } from './api';
 import type { ComputeFeeJsonRpcRequest } from './api';
 import { ComputeFeeHandler } from './computeFee';
 import { KnownCaip19Slip44IdMap, KnownCaip2ChainId } from '../../api';
@@ -22,6 +22,7 @@ import {
   InsufficientBalanceException,
   InsufficientBalanceToCoverFeeException,
   TransactionService,
+  TransactionValidationException,
 } from '../../services/transaction';
 import {
   buildMockInvokeHostFunctionTransaction,
@@ -185,50 +186,52 @@ describe('ComputeFeeHandler', () => {
     );
   });
 
-  it('returns the required native fee when balance is insufficient to cover fees', async () => {
+  it('throws a structured validation error when balance is insufficient to cover fees', async () => {
     const { handler, request, createValidatedSwapTransaction } = setup();
-    createValidatedSwapTransaction.mockRejectedValueOnce(
-      new InsufficientBalanceToCoverFeeException('100', '12500000'),
-    );
+    const cause = new InsufficientBalanceToCoverFeeException('100', '12500000');
+    createValidatedSwapTransaction.mockRejectedValueOnce(cause);
 
-    const result = await handler.handle(request);
+    const error: unknown = await handler
+      .handle(request)
+      .catch((thrown: unknown) => thrown);
 
-    expect(result).toStrictEqual([
-      {
-        type: FeeType.Base,
-        asset: {
-          unit: NATIVE_ASSET_SYMBOL,
-          type: KnownCaip19Slip44IdMap[scope],
-          amount: '1.25',
-          fungible: true,
-        },
-      },
-    ]);
+    expect(error).toBeInstanceOf(TransactionValidationException);
+    const validationError = error as TransactionValidationException;
+    expect(validationError.message).toBe(cause.message);
+    expect(validationError.cause).toBe(cause);
+    expect(validationError.data).toStrictEqual({
+      code: MultiChainSendErrorCodes.InsufficientBalanceToCoverFee,
+      assetId: KnownCaip19Slip44IdMap[scope],
+      availableAmount: '0.00001',
+      requiredAmount: '1.25',
+      reserveAmount: '1',
+    });
   });
 
-  it('returns the required native fee when native balance is insufficient for the swap', async () => {
+  it('throws a structured validation error when native balance is insufficient for the swap', async () => {
     const { handler, request, createValidatedSwapTransaction } = setup();
-    createValidatedSwapTransaction.mockRejectedValueOnce(
-      new InsufficientBalanceException(
-        '100',
-        '50000000',
-        KnownCaip19Slip44IdMap[scope],
-      ),
+    const cause = new InsufficientBalanceException(
+      '100',
+      '50000000',
+      KnownCaip19Slip44IdMap[scope],
     );
+    createValidatedSwapTransaction.mockRejectedValueOnce(cause);
 
-    const result = await handler.handle(request);
+    const error: unknown = await handler
+      .handle(request)
+      .catch((thrown: unknown) => thrown);
 
-    expect(result).toStrictEqual([
-      {
-        type: FeeType.Base,
-        asset: {
-          unit: NATIVE_ASSET_SYMBOL,
-          type: KnownCaip19Slip44IdMap[scope],
-          amount: '5',
-          fungible: true,
-        },
-      },
-    ]);
+    expect(error).toBeInstanceOf(TransactionValidationException);
+    const validationError = error as TransactionValidationException;
+    expect(validationError.message).toBe(cause.message);
+    expect(validationError.cause).toBe(cause);
+    expect(validationError.data).toStrictEqual({
+      code: MultiChainSendErrorCodes.InsufficientBalance,
+      assetId: KnownCaip19Slip44IdMap[scope],
+      availableAmount: '0.00001',
+      requiredAmount: '5',
+      reserveAmount: '1',
+    });
   });
 
   it('rethrows when balance is insufficient for a non-native asset', async () => {
diff --git a/packages/snap/src/handlers/clientRequest/computeFee.ts b/packages/snap/src/handlers/clientRequest/computeFee.ts
index 81b5d23b..ac710ac7 100644
--- a/packages/snap/src/handlers/clientRequest/computeFee.ts
+++ b/packages/snap/src/handlers/clientRequest/computeFee.ts
@@ -8,6 +8,7 @@ import type {
 import {
   ComputeFeeJsonRpcRequestStruct,
   ComputeFeeJsonRpcResponseStruct,
+  MultiChainSendErrorCodes,
 } from './api';
 import type {
   AccountResolver,
@@ -16,9 +17,12 @@ import type {
 import { BaseClientRequestHandler } from './base';
 import { KnownCaip19Slip44IdMap } from '../../api';
 import { NATIVE_ASSET_SYMBOL } from '../../constants';
+import type { OnChainAccount } from '../../services/on-chain-account';
+import { minimumBalanceStroops } from '../../services/on-chain-account/utils';
 import {
   InsufficientBalanceException,
   InsufficientBalanceToCoverFeeException,
+  TransactionValidationException,
 } from '../../services/transaction';
 import type { TransactionService } from '../../services/transaction/TransactionService';
 import { isSlip44Id } from '../../utils';
@@ -104,19 +108,50 @@ export class ComputeFeeHandler extends BaseClientRequestHandler<
           isSlip44Id(error.assetId)) ||
         error instanceof InsufficientBalanceToCoverFeeException
       ) {
-        return [
-          {
-            type: FeeType.Base,
-            asset: {
-              unit: NATIVE_ASSET_SYMBOL,
-              type: KnownCaip19Slip44IdMap[scope],
-              amount: toDisplayBalance(new BigNumber(error.required)),
-              fungible: true as const,
-            },
+        const code =
+          error instanceof InsufficientBalanceException
+            ? MultiChainSendErrorCodes.InsufficientBalance
+            : MultiChainSendErrorCodes.InsufficientBalanceToCoverFee;
+
+        const reserveAmount = getReserveDisplayAmount(onChainAccount);
+
+        throw new TransactionValidationException(error.message, {
+          cause: error,
+          data: {
+            code,
+            assetId:
+              error instanceof InsufficientBalanceException
+                ? error.assetId
+                : KnownCaip19Slip44IdMap[scope],
+            availableAmount: toDisplayBalance(new BigNumber(error.balance)),
+            requiredAmount: toDisplayBalance(new BigNumber(error.required)),
+            ...(reserveAmount === undefined ? {} : { reserveAmount }),
           },
-        ];
+        });
       }
       throw error;
     }
   }
 }
+
+/**
+ * Native (XLM) minimum reserve for the account, in display units.
+ *
+ * @param onChainAccount Resolved on-chain account.
+ * @returns Reserve in display units, or `undefined` when ledger meta is not bound.
+ */
+function getReserveDisplayAmount(
+  onChainAccount: OnChainAccount,
+): string | undefined {
+  try {
+    return toDisplayBalance(
+      minimumBalanceStroops({
+        subentryCount: onChainAccount.subentryCount,
+        numSponsoring: onChainAccount.numSponsoring,
+        numSponsored: onChainAccount.numSponsored,
+      }),
+    );
+  } catch {
+    return undefined;
+  }
+}
diff --git a/packages/snap/src/services/transaction/TransactionService.ts b/packages/snap/src/services/transaction/TransactionService.ts
index 0a7ec424..a5a39029 100644
--- a/packages/snap/src/services/transaction/TransactionService.ts
+++ b/packages/snap/src/services/transaction/TransactionService.ts
@@ -401,15 +401,46 @@ export class TransactionService {
       onChainAccount,
     );
 
-    this.validateTransaction(transaction, onChainAccount, {
-      expectedOPTypes: [
-        SupportedOperations.Payment,
-        SupportedOperations.PathPayment,
-        SupportedOperations.InvokeHostFunction,
-        SupportedOperations.ChangeTrust,
-      ],
-      preloadedAccounts,
-    });
+    try {
+      this.validateTransaction(transaction, onChainAccount, {
+        expectedOPTypes: [
+          SupportedOperations.Payment,
+          SupportedOperations.PathPayment,
+          SupportedOperations.InvokeHostFunction,
+          SupportedOperations.ChangeTrust,
+        ],
+        preloadedAccounts,
+      });
+    } catch (error) {
+      if (
+        error instanceof InsufficientBalanceException &&
+        isSlip44Id(error.assetId)
+      ) {
+        // Swap envelopes can split the source amount across multiple native
+        // debits. Report the amount available before any operation is applied
+        // instead of the remainder at whichever debit failed.
+        const availableBalance = onChainAccount.nativeSpendableBalance.minus(
+          transaction.totalFee,
+        );
+
+        // The simulator applies the fee first, then debits sequentially, so
+        // `error.balance` is the spendable remainder when the debit failed.
+        // Debits already applied = availableBalance - error.balance; adding
+        // the failing debit yields the total native the envelope needs up to
+        // the failure point, keeping `required` consistent with `balance`.
+        const requiredBalance = availableBalance
+          .minus(error.balance)
+          .plus(error.required);
+
+        throw new InsufficientBalanceException(
+          availableBalance.toString(),
+          requiredBalance.toString(),
+          error.assetId,
+        );
+      }
+
+      throw error;
+    }
 
     return transaction;
   }