diff --git a/app/src/main/java/sh/sar/basedbank/api/bml/BmlTransferClient.kt b/app/src/main/java/sh/sar/basedbank/api/bml/BmlTransferClient.kt
index 5e4f509..0c25aea 100644
--- a/app/src/main/java/sh/sar/basedbank/api/bml/BmlTransferClient.kt
+++ b/app/src/main/java/sh/sar/basedbank/api/bml/BmlTransferClient.kt
@@ -84,7 +84,8 @@ class BmlTransferClient {
             try {
                 val json = JSONObject(bodyStr)
                 if (!json.optBoolean("success")) {
-                    BmlTransferResult(false, errorMessage = json.optString("message").ifBlank { "Transfer failed" })
+                    val payloadStr = json.optString("payload").takeIf { it.isNotBlank() && it != "null" }
+                    BmlTransferResult(false, errorMessage = payloadStr ?: json.optString("message").ifBlank { "Transfer failed" })
                 } else {
                     val payload = json.optJSONObject("payload")
                     BmlTransferResult(