diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
index d24a877..be1c034 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/TransferFragment.kt
@@ -498,6 +498,29 @@ class TransferFragment : Fragment() {
         updateTransferButton()
     }
 
+    /**
+     * Freezes the amount at a merchant's preset value. Unlike disabling the field this keeps it
+     * at full colour — it's the figure being paid, so it should read clearly — and a lock icon
+     * says why it can't be typed into.
+     */
+    internal fun setAmountLocked(locked: Boolean) {
+        binding.etAmount.apply {
+            isFocusable = !locked
+            isFocusableInTouchMode = !locked
+            isCursorVisible = !locked
+            isLongClickable = !locked
+            if (locked) clearFocus()
+        }
+        binding.tilAmount.apply {
+            if (locked) {
+                endIconMode = com.google.android.material.textfield.TextInputLayout.END_ICON_CUSTOM
+                endIconDrawable = ContextCompat.getDrawable(requireContext(), R.drawable.ic_lock)
+            } else {
+                endIconMode = com.google.android.material.textfield.TextInputLayout.END_ICON_NONE
+            }
+        }
+    }
+
     internal fun startLookupLoading() {
         val spinner = CircularProgressDrawable(requireContext()).apply {
             setStyle(CircularProgressDrawable.DEFAULT)
@@ -1669,6 +1692,7 @@ class TransferFragment : Fragment() {
         binding.tilFrom.visibility = View.VISIBLE
         binding.tilAmount.prefixText = null
         binding.tilAmount.isEnabled = true
+        setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
index 9dd1b6d..a8bd22d 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/BmlTransferHandler.kt
@@ -174,7 +174,7 @@ class BmlTransferHandler(
         if (qrInfo == null) return
         draft.bmlQrInfo = null
         draft.bmlGatewayQr = false
-        binding.tilAmount.isEnabled = true
+        fragment.setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
@@ -293,7 +293,7 @@ class BmlTransferHandler(
         // Pre-fill amount if dynamic QR
         if (info.amount > 0.0) {
             binding.etAmount.setText("%.2f".format(info.amount))
-            binding.tilAmount.isEnabled = false
+            fragment.setAmountLocked(true)
         }
 
         // Remarks not applicable for merchant QR payments
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt
index 0bcbb5b..8a6509f 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/transfer/MfaisaTransferHandler.kt
@@ -199,7 +199,7 @@ class MfaisaTransferHandler(
     fun clearQrMerchant() {
         if (qrInfo == null) return
         qrInfo = null
-        binding.tilAmount.isEnabled = true
+        fragment.setAmountLocked(false)
         binding.tilRemarks.isEnabled = true
         binding.tilRemarks.alpha = 1f
         binding.etAmount.setText("")
@@ -288,7 +288,7 @@ class MfaisaTransferHandler(
         val dynamicAmount = merchant.txnAmount?.toDoubleOrNull()
         if (dynamicAmount != null && dynamicAmount > 0.0) {
             binding.etAmount.setText("%.2f".format(dynamicAmount))
-            binding.tilAmount.isEnabled = false
+            fragment.setAmountLocked(true)
         }
 
         onRecipientChanged()