diff --git a/src/controllers/transfer.js b/src/controllers/transfer.js
index 4639e795f6..60c8f24225 100644
--- a/src/controllers/transfer.js
+++ b/src/controllers/transfer.js
@@ -155,7 +155,12 @@ export default ($scope, $rootScope, $routeParams, $timeout, $location, $filter,
       const amount = formatStrAmount($scope.amount, $scope.asset);
       let memo = $scope.memo.trim();
 
-      if(memo.startsWith('#')){
+      if (memo.startsWith('#')) {
+        if (!$rootScope.user.keys['memo']) {
+          $rootScope.showError('Memo private key required to create encrypted memo');
+          return;
+        }
+
         const senderPrivateKey = cryptoService.decryptKey($rootScope.user.keys['memo']);
         const receiverPublicKey = $scope.toData.memo_key;
 
diff --git a/src/filters/transfer-memo.js b/src/filters/transfer-memo.js
index cc6ba8fbd0..449115da04 100644
--- a/src/filters/transfer-memo.js
+++ b/src/filters/transfer-memo.js
@@ -3,6 +3,10 @@ import steem from 'steem';
 export default ($rootScope, cryptoService) => {
   const transferMemoFilter = (op) => {
 
+    if(!op.memo){
+      return '';
+    }
+
     if (!op.memo.startsWith('#')) {
       return op.memo;
     }