diff --git a/src/wallet/asyncrpcoperation_sendmany.cpp b/src/wallet/asyncrpcoperation_sendmany.cpp
index 31dcc114f..83a91838b 100644
--- a/src/wallet/asyncrpcoperation_sendmany.cpp
+++ b/src/wallet/asyncrpcoperation_sendmany.cpp
@@ -67,12 +67,10 @@ AsyncRPCOperation_sendmany::AsyncRPCOperation_sendmany(
     for (const SendManyRecipient& recipient : recipients_) {
         std::visit(match {
             [&](const CKeyID& addr) {
-                transparentRecipients_ += 1;
                 txOutputAmounts_.t_outputs_total += recipient.amount;
                 recipientPools_.insert(OutputPool::Transparent);
             },
             [&](const CScriptID& addr) {
-                transparentRecipients_ += 1;
                 txOutputAmounts_.t_outputs_total += recipient.amount;
                 recipientPools_.insert(OutputPool::Transparent);
             },
@@ -181,7 +179,7 @@ uint256 AsyncRPCOperation_sendmany::main_impl() {
 
     // Allow transparent coinbase inputs if there are no transparent
     // recipients.
-    bool allowTransparentCoinbase = transparentRecipients_ == 0;
+    bool allowTransparentCoinbase = !recipientPools_.count(OutputPool::Transparent);
 
     // Set the dust threshold so that we can select enough inputs to avoid
     // creating dust change amounts.
@@ -196,6 +194,8 @@ uint256 AsyncRPCOperation_sendmany::main_impl() {
     }
     if (!spendable.LimitToAmount(targetAmount, dustThreshold, recipientPools_)) {
         CAmount changeAmount{spendable.Total() - targetAmount};
+        std::string insufficientFundsMessage =
+            strprintf("Insufficient funds: have %s", FormatMoney(spendable.Total()));
         if (changeAmount > 0 && changeAmount < dustThreshold) {
             // TODO: we should provide the option for the caller to explicitly
             // forego change (definitionally an amount below the dust amount)
@@ -203,34 +203,29 @@ uint256 AsyncRPCOperation_sendmany::main_impl() {
             // creating dust change, rather than prohibit them from sending
             // entirely in this circumstance.
             // (Daira disagrees, as this could leak information to the recipient)
-            throw JSONRPCError(
-                    RPC_WALLET_INSUFFICIENT_FUNDS,
-                    strprintf(
-                        "Insufficient funds: have %s, need %s more to avoid creating invalid change output %s "
-                        "(dust threshold is %s)",
-                        FormatMoney(spendable.Total()),
-                        FormatMoney(dustThreshold - changeAmount),
-                        FormatMoney(changeAmount),
-                        FormatMoney(dustThreshold)));
+            insufficientFundsMessage +=
+                strprintf(
+                    ", need %s more to avoid creating invalid change output %s (dust threshold is %s)",
+                    FormatMoney(dustThreshold - changeAmount),
+                    FormatMoney(changeAmount),
+                    FormatMoney(dustThreshold));
         } else {
-            bool isFromUa = std::holds_alternative<libzcash::UnifiedAddress>(ztxoSelector_.GetPattern());
-            throw JSONRPCError(
-                    RPC_WALLET_INSUFFICIENT_FUNDS,
-                    strprintf(
-                        "Insufficient funds: have %s, need %s",
-                        FormatMoney(spendable.Total()), FormatMoney(targetAmount))
-                        + (allowTransparentCoinbase ? "" :
-                            "; note that coinbase outputs will not be selected if you specify "
-                            "ANY_TADDR or if any transparent recipients are included.")
-                        + ((!isFromUa || strategy_.AllowLinkingAccountAddresses()) ? "" :
-                            " (This transaction may require selecting transparent coins that were sent "
-                            "to multiple Unified Addresses, which is not enabled by default because "
-                            "it would create a public link between the transparent receivers of these "
-                            "addresses. THIS MAY AFFECT YOUR PRIVACY. Resubmit with the `privacyPolicy` "
-                            "parameter set to `AllowLinkingAccountAddresses` or weaker if you wish to "
-                            "allow this transaction to proceed anyway.)")
-                    );
+            insufficientFundsMessage += strprintf(", need %s", FormatMoney(targetAmount));
         }
+        bool isFromUa = std::holds_alternative<libzcash::UnifiedAddress>(ztxoSelector_.GetPattern());
+        throw JSONRPCError(
+                RPC_WALLET_INSUFFICIENT_FUNDS,
+                insufficientFundsMessage
+                + (allowTransparentCoinbase && ztxoSelector_.SelectsTransparentCoinbase() ? "" :
+                   "; note that coinbase outputs will not be selected if you specify "
+                   "ANY_TADDR or if any transparent recipients are included.")
+                + ((!isFromUa || strategy_.AllowLinkingAccountAddresses()) ? "" :
+                   " (This transaction may require selecting transparent coins that were sent "
+                   "to multiple Unified Addresses, which is not enabled by default because "
+                   "it would create a public link between the transparent receivers of these "
+                   "addresses. THIS MAY AFFECT YOUR PRIVACY. Resubmit with the `privacyPolicy` "
+                   "parameter set to `AllowLinkingAccountAddresses` or weaker if you wish to "
+                   "allow this transaction to proceed anyway.)"));
     }
 
     if (!(spendable.utxos.empty() || strategy_.AllowRevealedSenders())) {
diff --git a/src/wallet/asyncrpcoperation_sendmany.h b/src/wallet/asyncrpcoperation_sendmany.h
index 0fdcf7c11..5a77dbadb 100644
--- a/src/wallet/asyncrpcoperation_sendmany.h
+++ b/src/wallet/asyncrpcoperation_sendmany.h
@@ -80,7 +80,6 @@ private:
     bool isfromsprout_{false};
     bool isfromsapling_{false};
     TransactionStrategy strategy_;
-    uint32_t transparentRecipients_{0};
     AccountId sendFromAccount_;
     std::set<OutputPool> recipientPools_;
     TxOutputAmounts txOutputAmounts_;
diff --git a/src/wallet/wallet.cpp b/src/wallet/wallet.cpp
index 898cf37dc..da26aa320 100644
--- a/src/wallet/wallet.cpp
+++ b/src/wallet/wallet.cpp
@@ -2214,6 +2214,7 @@ SpendableInputs CWallet::FindSpendableInputs(
     KeyIO keyIO(Params());
 
     bool selectTransparent{selector.SelectsTransparent()};
+    bool selectTransparentCoinbase{selector.SelectsTransparentCoinbase()};
     bool selectSprout{selector.SelectsSprout()};
     bool selectSapling{selector.SelectsSapling()};
     bool selectOrchard{selector.SelectsOrchard()};
@@ -2229,7 +2230,7 @@ SpendableInputs CWallet::FindSpendableInputs(
 
         if (selectTransparent &&
             // skip transparent utxo selection if coinbase spend restrictions are not met
-            (!isCoinbase || (allowTransparentCoinbase && wtx.GetBlocksToMaturity(asOfHeight) <= 0))) {
+            (!isCoinbase || (selectTransparentCoinbase && allowTransparentCoinbase && wtx.GetBlocksToMaturity(asOfHeight) <= 0))) {
 
             for (int i = 0; i < wtx.vout.size(); i++) {
                 const auto& output = wtx.vout[i];
@@ -7822,6 +7823,23 @@ bool ZTXOSelector::SelectsTransparent() const {
         [](const AccountZTXOPattern& acct) { return acct.IncludesP2PKH() || acct.IncludesP2SH(); }
     }, this->pattern);
 }
+bool ZTXOSelector::SelectsTransparentCoinbase() const {
+    return std::visit(match {
+        [](const CKeyID& keyId) { return true; },
+        [](const CScriptID& scriptId) { return true; },
+        [](const libzcash::SproutPaymentAddress& addr) { return false; },
+        [](const libzcash::SproutViewingKey& vk) { return false; },
+        [](const libzcash::SaplingPaymentAddress& addr) { return false; },
+        [](const libzcash::SaplingExtendedFullViewingKey& vk) { return false; },
+        [](const libzcash::UnifiedAddress& ua) {
+            return ua.GetP2PKHReceiver().has_value() || ua.GetP2SHReceiver().has_value();
+        },
+        [](const libzcash::UnifiedFullViewingKey& ufvk) { return ufvk.GetTransparentKey().has_value(); },
+        [](const AccountZTXOPattern& acct) {
+            return (acct.IncludesP2PKH() || acct.IncludesP2SH()) && acct.GetAccountId() != ZCASH_LEGACY_ACCOUNT;
+        }
+    }, this->pattern);
+}
 bool ZTXOSelector::SelectsSprout() const {
     return std::visit(match {
         [](const libzcash::SproutViewingKey& addr) { return true; },
diff --git a/src/wallet/wallet.h b/src/wallet/wallet.h
index 39ecc59c0..dde5fb6b5 100644
--- a/src/wallet/wallet.h
+++ b/src/wallet/wallet.h
@@ -872,6 +872,7 @@ public:
     }
 
     bool SelectsTransparent() const;
+    bool SelectsTransparentCoinbase() const;
     bool SelectsSprout() const;
     bool SelectsSapling() const;
     bool SelectsOrchard() const;