diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index ff8bfff872884..12947ea017d10 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -2821,6 +2821,11 @@ bool CWallet::CreateTransactionInternal(
                 error = strprintf(_("Fee rate (%s) is lower than the minimum fee rate setting (%s)"), coin_control.m_feerate->ToString(FeeEstimateMode::SAT_VB), nFeeRateNeeded.ToString(FeeEstimateMode::SAT_VB));
                 return false;
             }
+            if (feeCalc.reason == FeeReason::FALLBACK && !m_allow_fallback_fee) {
+                // eventually allow a fallback fee
+                error = _("Fee estimation failed. Fallbackfee is disabled. Wait a few blocks or enable -fallbackfee.");
+                return false;
+            }
 
             nFeeRet = 0;
             bool pick_new_inputs = true;
@@ -2958,13 +2963,7 @@ bool CWallet::CreateTransactionInternal(
                     return false;
                 }
 
-                nFeeNeeded = GetMinimumFee(*this, nBytes, coin_control, &feeCalc);
-                if (feeCalc.reason == FeeReason::FALLBACK && !m_allow_fallback_fee) {
-                    // eventually allow a fallback fee
-                    error = _("Fee estimation failed. Fallbackfee is disabled. Wait a few blocks or enable -fallbackfee.");
-                    return false;
-                }
-
+                nFeeNeeded = coin_selection_params.effective_fee.GetFee(nBytes);
                 if (nFeeRet >= nFeeNeeded) {
                     // Reduce fee to only the needed amount if possible. This
                     // prevents potential overpayment in fees if the coins
@@ -2978,7 +2977,7 @@ bool CWallet::CreateTransactionInternal(
                     // change output. Only try this once.
                     if (nChangePosInOut == -1 && nSubtractFeeFromAmount == 0 && pick_new_inputs) {
                         unsigned int tx_size_with_change = nBytes + coin_selection_params.change_output_size + 2; // Add 2 as a buffer in case increasing # of outputs changes compact size
-                        CAmount fee_needed_with_change = GetMinimumFee(*this, tx_size_with_change, coin_control, nullptr);
+                        CAmount fee_needed_with_change = coin_selection_params.effective_fee.GetFee(tx_size_with_change);
                         CAmount minimum_value_for_change = GetDustThreshold(change_prototype_txout, discard_rate);
                         if (nFeeRet >= fee_needed_with_change + minimum_value_for_change) {
                             pick_new_inputs = false;