diff --git a/lib/plugins.js b/lib/plugins.js
index ca07d516..9030682f 100644
--- a/lib/plugins.js
+++ b/lib/plugins.js
@@ -364,12 +364,12 @@ function plugins (settings, deviceId) {
 
         const rate = rawRate.div(cashInCommission)
 
-        const lowBalanceMargin = new BN(1.05)
+        const lowBalanceMargin = new BN(0.95)
 
         const cryptoRec = coinUtils.getCryptoCurrency(cryptoCode)
         const unitScale = cryptoRec.unitScale
         const shiftedRate = rate.shiftedBy(-unitScale)
-        const fiatTransferBalance = balance.times(shiftedRate).div(lowBalanceMargin)
+        const fiatTransferBalance = balance.times(shiftedRate).times(lowBalanceMargin)
 
         return {
           timestamp: balanceRec.timestamp,