diff --git a/app/src/main/java/to/bitkit/viewmodels/TransferViewModel.kt b/app/src/main/java/to/bitkit/viewmodels/TransferViewModel.kt
index e66ccaf7e..e48d5ef40 100644
--- a/app/src/main/java/to/bitkit/viewmodels/TransferViewModel.kt
+++ b/app/src/main/java/to/bitkit/viewmodels/TransferViewModel.kt
@@ -892,10 +892,8 @@ class TransferViewModel @Inject constructor(
     private suspend fun hwFundingSatsPerVByte(): ULong =
         fetchHwFundingSatsPerVByte().getOrDefault(HW_FUNDING_FALLBACK_SATS_PER_VBYTE)
 
-    private suspend fun fetchHwFundingSatsPerVByte(): Result<ULong> {
-        val speed = settingsStore.data.first().defaultTransactionSpeed
-        return lightningRepo.getFeeRateForSpeed(speed)
-    }
+    private suspend fun fetchHwFundingSatsPerVByte(): Result<ULong> =
+        lightningRepo.getFeeRateForSpeed(TransactionSpeed.Fast)
 
     // endregion
 
@@ -1108,7 +1106,7 @@ class TransferViewModel @Inject constructor(
         private const val HW_FUNDING_TX_VBYTES = 1_200uL
 
         /** Minimum fallback fee rate when fee estimates are temporarily unavailable. */
-        private const val HW_FUNDING_FALLBACK_SATS_PER_VBYTE = 1uL
+        private const val HW_FUNDING_FALLBACK_SATS_PER_VBYTE = 3uL
 
         /** Upper bound for reconnecting a known device before the UI asks for reconnect. */
         private val HW_RECONNECT_TIMEOUT = 30.seconds
diff --git a/app/src/test/java/to/bitkit/viewmodels/TransferViewModelTest.kt b/app/src/test/java/to/bitkit/viewmodels/TransferViewModelTest.kt
index ccd100f41..1173efe39 100644
--- a/app/src/test/java/to/bitkit/viewmodels/TransferViewModelTest.kt
+++ b/app/src/test/java/to/bitkit/viewmodels/TransferViewModelTest.kt
@@ -51,6 +51,7 @@ import to.bitkit.models.HwFundingSignedTx
 import to.bitkit.models.HwFundingTransaction
 import to.bitkit.models.HwWallet
 import to.bitkit.models.Toast
+import to.bitkit.models.TransactionSpeed
 import to.bitkit.models.TransferType
 import to.bitkit.models.TransportType
 import to.bitkit.models.safe
@@ -388,6 +389,7 @@ class TransferViewModelTest : BaseUnitTest() {
         sut.onTransferToSpendingHwConfirm(order, DEVICE_ID)
         advanceUntilIdle()
 
+        verify(lightningRepo).getFeeRateForSpeed(eq(TransactionSpeed.Fast), anyOrNull())
         verify(hwWalletRepo).composeFundingTransaction(
             eq(DEVICE_ID),
             eq(order.payment?.onchain?.address.orEmpty()),
@@ -1023,7 +1025,7 @@ class TransferViewModelTest : BaseUnitTest() {
         const val XPUB = "zpub-test"
         const val TXID = "tx-abc"
         const val FEE_RATE = 2uL
-        const val FALLBACK_FEE_RATE = 1uL
+        const val FALLBACK_FEE_RATE = 3uL
         const val MINING_FEE = 1_250uL
     }
 }
diff --git a/changelog.d/next/1089.fixed.md b/changelog.d/next/1089.fixed.md
new file mode 100644
index 000000000..31b1d3e18
--- /dev/null
+++ b/changelog.d/next/1089.fixed.md
@@ -0,0 +1 @@
+Hardware wallet transfers to spending now use a faster on-chain fee rate so funding confirms more reliably.