diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt b/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
index dfa64be..39b22c8 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/HomeActivity.kt
@@ -760,6 +760,11 @@ fun applyNavLabelVisibility() {
                 else -> hideConnectivityBanner()
             }
 
+            val errors = mutableSetOf<String>()
+            if (noInternet) errors.add("NO_INTERNET")
+            serverErrors.forEach { errors.add(it.uppercase()) }
+            viewModel.connectivityErrors.postValue(errors)
+
             for ((_, session) in app.bmlSessions) refreshBmlLimits(session)
             for ((loginId, session) in app.mibSessions) {
                 val profiles = app.mibProfilesMap[loginId] ?: emptyList()
diff --git a/app/src/main/java/sh/sar/basedbank/ui/home/HomeViewModel.kt b/app/src/main/java/sh/sar/basedbank/ui/home/HomeViewModel.kt
index c3b0ffc..298eebc 100644
--- a/app/src/main/java/sh/sar/basedbank/ui/home/HomeViewModel.kt
+++ b/app/src/main/java/sh/sar/basedbank/ui/home/HomeViewModel.kt
@@ -29,4 +29,11 @@ class HomeViewModel : ViewModel() {
     val mibCards = MutableLiveData<List<MibCard>?>(null)
 
     val hideAmounts = MutableLiveData<Boolean>(false)
+
+    /**
+     * Set of connectivity error keys from the last refresh.
+     * Contains "NO_INTERNET" for no network, or uppercase bank names ("MIB", "BML", "FAHIPAY")
+     * for HTTP 5xx server errors from specific banks.
+     */
+    val connectivityErrors = MutableLiveData<Set<String>>(emptySet())
 }
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 99413b6..46e1e87 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
@@ -196,6 +196,8 @@ class TransferFragment : Fragment() {
             qrLauncher.launch(Intent(requireContext(), QrScannerActivity::class.java))
         }
 
+        viewModel.connectivityErrors.observe(viewLifecycleOwner) { updateTransferButton() }
+
         binding.btnTransfer.isEnabled = false
         binding.btnTransfer.setOnClickListener {
             if (bmlOtpState == BmlOtpState.AWAITING_OTP) verifyBmlOtp()
@@ -781,12 +783,6 @@ class TransferFragment : Fragment() {
         val sess = session ?: return Triple(false, getString(R.string.transfer_session_unavailable), null)
         val app = requireActivity().application as BasedBankApp
         val loginId = src.loginTag.removePrefix("mib_")
-        // Switch to the profile that owns the source account
-        if (src.profileId.isNotBlank()) {
-            val profiles = app.mibProfilesMap[loginId] ?: emptyList()
-            val profile = profiles.firstOrNull { it.profileId == src.profileId }
-            if (profile != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
-        }
         val otp = CredentialStore(requireContext()).loadMibCredentials(loginId)?.otpSeed
             ?.let { Totp.generate(it) }
             ?: return Triple(false, "OTP unavailable", null)
@@ -803,6 +799,12 @@ class TransferFragment : Fragment() {
             }
         }
         return try {
+            // Switch to the profile that owns the source account
+            if (src.profileId.isNotBlank()) {
+                val profiles = app.mibProfilesMap[loginId] ?: emptyList()
+                val profile = profiles.firstOrNull { it.profileId == src.profileId }
+                if (profile != null) app.mibFlowFor(loginId).switchProfile(sess, profile)
+            }
             val result = MibTransferClient().transfer(
                 session = sess,
                 fromAccount = src.accountNumber,
@@ -1215,7 +1217,12 @@ class TransferFragment : Fragment() {
     private fun updateTransferButton() {
         if (bmlOtpState != BmlOtpState.NONE) return
         val amount = binding.etAmount.text?.toString()?.trim()?.toDoubleOrNull() ?: 0.0
-        binding.btnTransfer.isEnabled = selectedAccount != null && resolvedAccountNumber.isNotBlank() && amount > 0
+        val hasAll = selectedAccount != null && resolvedAccountNumber.isNotBlank() && amount > 0
+        if (!hasAll) { binding.btnTransfer.isEnabled = false; return }
+        val errors = viewModel.connectivityErrors.value ?: emptySet()
+        val bankOffline = "NO_INTERNET" in errors ||
+            selectedAccount?.bank?.uppercase()?.let { it in errors } == true
+        binding.btnTransfer.isEnabled = !bankOffline
     }
 
     private fun clearForm() {