diff --git a/src/simplewallet/simplewallet.cpp b/src/simplewallet/simplewallet.cpp
index 67dacda9..9215ec82 100644
--- a/src/simplewallet/simplewallet.cpp
+++ b/src/simplewallet/simplewallet.cpp
@@ -3035,6 +3035,7 @@ bool simple_wallet::accept_loaded_tx(const std::function<size_t()> get_num_txes,
   size_t min_mixin = ~0;
   std::unordered_map<std::string, uint64_t> dests;
   const std::string wallet_address = m_wallet->get_account().get_public_address_str(m_wallet->testnet());
+  int first_known_non_zero_change_index = -1;
   for (size_t n = 0; n < get_num_txes(); ++n)
   {
     const tools::wallet2::tx_construction_data &cd = get_tx(n);
@@ -3069,10 +3070,15 @@ bool simple_wallet::accept_loaded_tx(const std::function<size_t()> get_num_txes,
         fail_msg_writer() << tr("Claimed change is larger than payment to the change address");
         return false;
       }
-      if (memcmp(&cd.change_dts.addr, &get_tx(0).change_dts.addr, sizeof(cd.change_dts.addr)))
+      if (cd.change_dts.amount > 0)
       {
-        fail_msg_writer() << tr("Change does to more than one address");
-        return false;
+        if (first_known_non_zero_change_index == -1)
+          first_known_non_zero_change_index = n;
+        if (memcmp(&cd.change_dts.addr, &get_tx(first_known_non_zero_change_index).change_dts.addr, sizeof(cd.change_dts.addr)))
+        {
+          fail_msg_writer() << tr("Change goes to more than one address");
+          return false;
+        }
       }
       change += cd.change_dts.amount;
       it->second -= cd.change_dts.amount;