diff --git a/src/wallet/spend.cpp b/src/wallet/spend.cpp
index 51247b55eb3..3bd22cbc6fd 100644
--- a/src/wallet/spend.cpp
+++ b/src/wallet/spend.cpp
@@ -796,7 +796,8 @@ util::Result<SelectionResult> ChooseSelectionResult(interfaces::Chain& chain, co
             return util::Error{_("Failed to calculate bump fees, because unconfirmed UTXOs depend on an enormous cluster of unconfirmed transactions.")};
         }
         CAmount bump_fee_overestimate = summed_bump_fees - combined_bump_fee.value();
-        if (bump_fee_overestimate) {
+        // Avoid negative discount if mempool changed between the two bump fee snapshots.
+        if (bump_fee_overestimate > 0) {
             result.SetBumpFeeDiscount(bump_fee_overestimate);
         }
         result.RecalculateWaste(coin_selection_params.min_viable_change, coin_selection_params.m_cost_of_change, coin_selection_params.m_change_fee);