diff --git a/src/bench/wallet_ismine.cpp b/src/bench/wallet_ismine.cpp
index 6eef1efd992..b0b9c2c5ad0 100644
--- a/src/bench/wallet_ismine.cpp
+++ b/src/bench/wallet_ismine.cpp
@@ -36,7 +36,7 @@ static void WalletIsMine(benchmark::Bench& bench, int num_combo = 0)
     // Loading the wallet will also create it
     uint64_t create_flags = WALLET_FLAG_DESCRIPTORS;
     auto database = CreateMockableWalletDatabase();
-    auto wallet = TestLoadWallet(std::move(database), context, create_flags);
+    auto wallet = TestCreateWallet(std::move(database), context, create_flags);
 
     // For a descriptor wallet, fill with num_combo combo descriptors with random keys
     // This benchmarks a non-HD wallet migrated to descriptors
diff --git a/src/bench/wallet_loading.cpp b/src/bench/wallet_loading.cpp
index 3397fb0030e..8131f192c7a 100644
--- a/src/bench/wallet_loading.cpp
+++ b/src/bench/wallet_loading.cpp
@@ -43,7 +43,7 @@ static void WalletLoadingDescriptors(benchmark::Bench& bench)
     // Loading the wallet will also create it
     uint64_t create_flags = WALLET_FLAG_DESCRIPTORS;
     auto database = CreateMockableWalletDatabase();
-    auto wallet = TestLoadWallet(std::move(database), context, create_flags);
+    auto wallet = TestCreateWallet(std::move(database), context, create_flags);
 
     // Generate a bunch of transactions and addresses to put into the wallet
     for (int i = 0; i < 1000; ++i) {
@@ -56,7 +56,7 @@ static void WalletLoadingDescriptors(benchmark::Bench& bench)
     TestUnloadWallet(std::move(wallet));
 
     bench.epochs(5).run([&] {
-        wallet = TestLoadWallet(std::move(database), context, create_flags);
+        wallet = TestLoadWallet(std::move(database), context);
 
         // Cleanup
         database = DuplicateMockDatabase(wallet->GetDatabase());
diff --git a/src/wallet/test/util.cpp b/src/wallet/test/util.cpp
index c06c6af5b55..db85b5efe8f 100644
--- a/src/wallet/test/util.cpp
+++ b/src/wallet/test/util.cpp
@@ -47,11 +47,36 @@ std::unique_ptr<CWallet> CreateSyncedWallet(interfaces::Chain& chain, CChain& cc
     return wallet;
 }
 
-std::shared_ptr<CWallet> TestLoadWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context, uint64_t create_flags)
+std::shared_ptr<CWallet> TestCreateWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context, uint64_t create_flags)
+{
+    bilingual_str _error;
+    std::vector<bilingual_str> _warnings;
+    auto wallet = CWallet::Create(context, "", std::move(database), create_flags, _error, _warnings);
+    NotifyWalletLoaded(context, wallet);
+    if (context.chain) {
+        wallet->postInitProcess();
+    }
+    return wallet;
+}
+
+std::shared_ptr<CWallet> TestCreateWallet(WalletContext& context)
+{
+    DatabaseOptions options;
+    options.require_create = true;
+    options.create_flags = WALLET_FLAG_DESCRIPTORS;
+    DatabaseStatus status;
+    bilingual_str error;
+    std::vector<bilingual_str> warnings;
+    auto database = MakeWalletDatabase("", options, status, error);
+    return TestCreateWallet(std::move(database), context, options.create_flags);
+}
+
+
+std::shared_ptr<CWallet> TestLoadWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context)
 {
     bilingual_str error;
     std::vector<bilingual_str> warnings;
-    auto wallet = CWallet::Create(context, "", std::move(database), create_flags, error, warnings);
+    auto wallet = CWallet::LoadExisting(context, "", std::move(database), error, warnings);
     NotifyWalletLoaded(context, wallet);
     if (context.chain) {
         wallet->postInitProcess();
@@ -62,12 +87,12 @@ std::shared_ptr<CWallet> TestLoadWallet(std::unique_ptr<WalletDatabase> database
 std::shared_ptr<CWallet> TestLoadWallet(WalletContext& context)
 {
     DatabaseOptions options;
-    options.create_flags = WALLET_FLAG_DESCRIPTORS;
+    options.require_existing = true;
     DatabaseStatus status;
     bilingual_str error;
     std::vector<bilingual_str> warnings;
     auto database = MakeWalletDatabase("", options, status, error);
-    return TestLoadWallet(std::move(database), context, options.create_flags);
+    return TestLoadWallet(std::move(database), context);
 }
 
 void TestUnloadWallet(std::shared_ptr<CWallet>&& wallet)
diff --git a/src/wallet/test/util.h b/src/wallet/test/util.h
index ecedbd90807..18305fb598e 100644
--- a/src/wallet/test/util.h
+++ b/src/wallet/test/util.h
@@ -32,8 +32,10 @@ const std::string ADDRESS_BCRT1_UNSPENDABLE = "bcrt1qqqqqqqqqqqqqqqqqqqqqqqqqqqq
 
 std::unique_ptr<CWallet> CreateSyncedWallet(interfaces::Chain& chain, CChain& cchain, const CKey& key);
 
+std::shared_ptr<CWallet> TestCreateWallet(WalletContext& context);
+std::shared_ptr<CWallet> TestCreateWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context, uint64_t create_flags);
 std::shared_ptr<CWallet> TestLoadWallet(WalletContext& context);
-std::shared_ptr<CWallet> TestLoadWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context, uint64_t create_flags);
+std::shared_ptr<CWallet> TestLoadWallet(std::unique_ptr<WalletDatabase> database, WalletContext& context);
 void TestUnloadWallet(std::shared_ptr<CWallet>&& wallet);
 
 // Creates a copy of the provided database
diff --git a/src/wallet/test/wallet_tests.cpp b/src/wallet/test/wallet_tests.cpp
index 50d2f78b8d7..4c422904990 100644
--- a/src/wallet/test/wallet_tests.cpp
+++ b/src/wallet/test/wallet_tests.cpp
@@ -584,7 +584,7 @@ BOOST_FIXTURE_TEST_CASE(CreateWallet, TestChain100Setup)
     WalletContext context;
     context.args = &m_args;
     context.chain = m_node.chain.get();
-    auto wallet = TestLoadWallet(context);
+    auto wallet = TestCreateWallet(context);
     CKey key = GenerateRandomKey();
     AddKey(*wallet, key);
     TestUnloadWallet(std::move(wallet));
@@ -681,7 +681,7 @@ BOOST_FIXTURE_TEST_CASE(CreateWalletWithoutChain, BasicTestingSetup)
 {
     WalletContext context;
     context.args = &m_args;
-    auto wallet = TestLoadWallet(context);
+    auto wallet = TestCreateWallet(context);
     BOOST_CHECK(wallet);
     WaitForDeleteWallet(std::move(wallet));
 }
@@ -692,7 +692,7 @@ BOOST_FIXTURE_TEST_CASE(RemoveTxs, TestChain100Setup)
     WalletContext context;
     context.args = &m_args;
     context.chain = m_node.chain.get();
-    auto wallet = TestLoadWallet(context);
+    auto wallet = TestCreateWallet(context);
     CKey key = GenerateRandomKey();
     AddKey(*wallet, key);