diff --git a/src/app_network.cpp b/src/app_network.cpp
index 1f8ed88..91f3083 100644
--- a/src/app_network.cpp
+++ b/src/app_network.cpp
@@ -5062,7 +5062,10 @@ void App::sendTransaction(const std::string& from, const std::string& to,
     recipient["address"] = to;
     recipient["amount"] = util::formatAmountFixed(amount);
     if (!memo.empty()) {
-        recipient["memo"] = memo;
+        // The daemon rejects a raw memo — it wants hex or a "utf8:" prefix. Prefix the user's plain-text
+        // memo so it's UTF-8-encoded into the note (same as the chat path). The unprefixed `memo` is still
+        // passed to submitZSendMany below for the tx-history display.
+        recipient["memo"] = "utf8:" + memo;
     }
     recipients.push_back(recipient);
     
@@ -5206,7 +5209,7 @@ void App::resendWithFeeGapWorkaround(const std::string& from, const std::string&
     nlohmann::json primary;
     primary["address"] = to;
     primary["amount"] = util::formatAmountFixed(amount);
-    if (!memo.empty()) primary["memo"] = memo;
+    if (!memo.empty()) primary["memo"] = "utf8:" + memo;   // daemon needs hex or a "utf8:" prefix (see submit)
     recipients.push_back(primary);
     nlohmann::json selfOut;
     selfOut["address"] = from;