diff --git a/src/wallet/crypter.cpp b/src/wallet/crypter.cpp
index ede017c8d..272d3a5e4 100644
--- a/src/wallet/crypter.cpp
+++ b/src/wallet/crypter.cpp
@@ -173,7 +173,7 @@ bool CCryptoKeyStore::SetCrypted()
     LOCK2(cs_KeyStore, cs_SpendingKeyStore);
     if (fUseCrypto)
         return true;
-    if (!(mapKeys.empty() && mapSpendingKeys.empty()))
+    if (!(mapKeys.empty() && mapSpendingKeys.empty() && mapSaplingSpendingKeys.empty()))
         return false;
     fUseCrypto = true;
     return true;
diff --git a/src/wallet/crypter.h b/src/wallet/crypter.h
index 2c3c45071..817d8de40 100644
--- a/src/wallet/crypter.h
+++ b/src/wallet/crypter.h
@@ -133,7 +133,7 @@ private:
 
     CKeyingMaterial vMasterKey;
 
-    //! if fUseCrypto is true, mapKeys and mapSpendingKeys must be empty
+    //! if fUseCrypto is true, mapKeys, mapSpendingKeys, and mapSaplingSpendingKeys must be empty
     //! if fUseCrypto is false, vMasterKey must be empty
     bool fUseCrypto;