diff --git a/src/wallet/test/coinselector_tests.cpp b/src/wallet/test/coinselector_tests.cpp
index 30a7fb9eb6e..23f024247d7 100644
--- a/src/wallet/test/coinselector_tests.cpp
+++ b/src/wallet/test/coinselector_tests.cpp
@@ -922,5 +922,52 @@ BOOST_AUTO_TEST_CASE(effective_value_test)
     BOOST_CHECK_EQUAL(output5.GetEffectiveValue(), nValue); // The effective value should be equal to the absolute value if input_bytes is -1
 }
 
+BOOST_AUTO_TEST_CASE(SelectCoins_effective_value_test)
+{
+    // Test that the effective value is used to check whether preset inputs provide sufficient funds when subtract_fee_outputs is not used.
+    // This test creates a coin whose value is higher than the target but whose effective value is lower than the target.
+    // The coin is selected using coin control, with m_allow_other_inputs = false. SelectCoins should fail due to insufficient funds.
+
+    std::unique_ptr<CWallet> wallet = std::make_unique<CWallet>(m_node.chain.get(), "", m_args, CreateMockWalletDatabase());
+    wallet->LoadWallet();
+    LOCK(wallet->cs_wallet);
+    wallet->SetWalletFlag(WALLET_FLAG_DESCRIPTORS);
+    wallet->SetupDescriptorScriptPubKeyMans();
+
+    CoinsResult available_coins;
+    {
+        std::unique_ptr<CWallet> dummyWallet = std::make_unique<CWallet>(m_node.chain.get(), "dummy", m_args, CreateMockWalletDatabase());
+        dummyWallet->LoadWallet();
+        LOCK(dummyWallet->cs_wallet);
+        dummyWallet->SetWalletFlag(WALLET_FLAG_DESCRIPTORS);
+        dummyWallet->SetupDescriptorScriptPubKeyMans();
+
+        add_coin(available_coins, *dummyWallet, 100000); // 0.001 BTC
+    }
+
+    CAmount target{99900}; // 0.000999 BTC
+
+    FastRandomContext rand;
+    CoinSelectionParams cs_params{
+        rand,
+        /*change_output_size=*/34,
+        /*change_spend_size=*/148,
+        /*min_change_target=*/1000,
+        /*effective_feerate=*/CFeeRate(3000),
+        /*long_term_feerate=*/CFeeRate(1000),
+        /*discard_feerate=*/CFeeRate(1000),
+        /*tx_noinputs_size=*/0,
+        /*avoid_partial=*/false,
+    };
+    CCoinControl cc;
+    cc.m_allow_other_inputs = false;
+    COutput output = available_coins.All().at(0);
+    cc.SetInputWeight(output.outpoint, 148);
+    cc.SelectExternal(output.outpoint, output.txout);
+
+    const auto result = SelectCoins(*wallet, available_coins, target, cc, cs_params);
+    BOOST_CHECK(!result);
+}
+
 BOOST_AUTO_TEST_SUITE_END()
 } // namespace wallet