diff --git a/src/wallet/rpcwallet.cpp b/src/wallet/rpcwallet.cpp
index c6bf320a2..5996eb870 100644
--- a/src/wallet/rpcwallet.cpp
+++ b/src/wallet/rpcwallet.cpp
@@ -5093,7 +5093,7 @@ UniValue z_mergetoaddress(const UniValue& params, bool fHelp)
     size_t numNotes = sproutNoteInputs.size() + saplingNoteInputs.size();
 
     //fprintf(stderr, "num utxos.%li\n", numUtxos);
-    if (numUtxos < 1 && numNotes == 0) {
+    if (numUtxos < 2 && numNotes == 0) {
         throw JSONRPCError(RPC_WALLET_INSUFFICIENT_FUNDS, "Could not find any funds to merge.");
     }