diff --git a/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/payment/PaymentInstructionOutboundService.java b/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/payment/PaymentInstructionOutboundService.java
index a79b3bab1..c31f96bc3 100644
--- a/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/payment/PaymentInstructionOutboundService.java
+++ b/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/payment/PaymentInstructionOutboundService.java
@@ -183,9 +183,9 @@ public class PaymentInstructionOutboundService {
         log.debug("PIClearingOutbondActionNewRequest.id={} a__f asset id={}",
             req.getId(),
             assets.map(AssetTrio::a__f).map(Registry::getId).orElse(null));
-        if (assets.isEmpty() || balanceChecker.insufficientBalance(assets.get().a__f(),
+        if (assets.isEmpty() || balanceChecker.insufficientBalance2(assets.get().a__f(),
             tcr.getId(), //never null because validation
-            accCred.getCurrency(),
+            currency,
             amount)) {
             pmt.setTransactionStatus(TransactionStatus.cher.getKey());
             pmt.setUpdated(now);
diff --git a/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/registry/BalanceChecker.java b/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/registry/BalanceChecker.java
index c94b95059..6e1438c97 100644
--- a/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/registry/BalanceChecker.java
+++ b/clearing-parent/clearing-service/src/main/java/ru/spcex/clearing/service/registry/BalanceChecker.java
@@ -12,6 +12,7 @@ import org.slf4j.Logger;
 import org.slf4j.LoggerFactory;
 import org.springframework.beans.factory.annotation.Autowired;
 import org.springframework.stereotype.Component;
+import ru.clearing.classes.statics.data.misc.Currency;
 import ru.clearing.classes.statics.data.registry.Registry;
 import ru.clearing.classes.statics.data.security.CurrencyPairSecurity;
 import ru.clearing.classes.statics.data.security.Rates;
@@ -21,7 +22,9 @@ import ru.spcex.clearing.imdg.IMDGDistributedNames;
 import static ru.spcex.clearing.util.NumberUtils.safeCast;
 import ru.spcex.platform.classes.base.SpcexObjectBase;
 import ru.spcex.platform.enumeration.RegistryStatus;
+import ru.spcex.platform.enumeration.RegistryTradingParams;
 import static ru.spcex.platform.enumeration.RegistryTradingParams.OM_T;
+import static ru.spcex.platform.enumeration.RegistryTradingParams.TM_T;
 import ru.spcex.platform.enumeration.WorkflowStatus;
 import ru.spcex.platform.imdg.api.Imdg;
 import ru.spcex.platform.imdg.api.ImdgProvider;
@@ -53,6 +56,73 @@ public class BalanceChecker {
         this.balanceCheckOmts = settings.isBalanceCheckOmt();
     }
 
+    public boolean insufficientBalance2(Registry a__f,
+                                        Long tcrId,
+                                        Currency currency,
+                                        BigDecimal amount) {
+        if (!balanceCheckOmts || currency == null) {
+            if (currency == null) {
+                log.error("{}#id={}#balance={} check for amount {}; currency is null",
+                    a__f.getRegistryCode(), a__f.getId(), a__f.getBalance(), amount);
+                return false;
+            } else {
+                log.info("{}#id={}#balance={}#currency={} check for amount {}; OM*T/TM*T checks disabled",
+                    a__f.getRegistryCode(), a__f.getId(), a__f.getBalance(), currency.getCurrencyCode(), amount);
+            }
+            return safeBD(a__f.getBalance()).compareTo(safeBD(amount)) < 0;
+        }
+        log.info("{}#id={}#balance={}#currency={} check for amount {}; OM*T/TM*T checks enabled",
+            a__f.getRegistryCode(), a__f.getId(), a__f.getBalance(), currency.getCurrencyCode(), amount);
+        LocalDate today = LocalDate.now();
+        ImdgPredicateBuilder rgsPb = rgsImdg.predicateBuilder();
+
+        //для поиска ОМ*Т по tcrId, статусу И предикату
+        BiFunction<ImdgPredicate, RegistryTradingParams, ImdgPredicate> rgsAnd = (p, rgsCde) -> rgsPb.and(
+            rgsPb.sql(RegistryCodeSqlBuilder.getInstance(rgsCde).build()),
+            rgsPb.equals("tradingClearingRegistryId", tcrId),
+            rgsPb.or(
+                rgsPb.equals("registryStatus", RegistryStatus.PROC.getKey()),
+                rgsPb.equals("registryStatus", RegistryStatus.MNG.getKey())
+            ),
+            rgsPb.equals("securityId", currency.getId()),
+            p
+        );
+
+        Collection<Registry> tmtToday;
+        {
+            ImdgPredicate tmtPrdct = rgsAnd.apply(
+                rgsPb.equals("settlementDate", today), TM_T
+            );
+            log.debug("searching tmt registries: {}", tmtPrdct);
+            tmtToday = rgsImdg.getCollectionObjectsByPredicate(tmtPrdct);
+        }
+        Collection<Registry> omtsNotToday;
+        {
+            ImdgPredicate omtPrdct = rgsAnd.apply(
+                rgsPb.not(rgsPb.equals("settlementDate", today)), OM_T
+            );
+            log.debug("searching omt registries: {}", omtPrdct);
+            omtsNotToday = rgsImdg.getCollectionObjectsByPredicate(omtPrdct);
+        }
+        log.debug("a__f.id={} balance checking; tmt today: {}, omt !today: {}",
+            a__f.getId(), tmtToday.size(), omtsNotToday.size());
+
+        BigDecimal tmtSum = tmtToday
+            .stream()
+            .map(tmt -> safeBD(tmt.getBalance()))
+            .reduce(BigDecimal.ZERO, BigDecimal::add);
+        BigDecimal omtSum = omtsNotToday
+            .stream()
+            .map(omt -> safeBD(omt.getBalance()))
+            .reduce(BigDecimal.ZERO, BigDecimal::add);
+        BigDecimal a__fBalance = safeBD(a__f.getBalance());
+        BigDecimal compareValue = tmtSum.subtract(omtSum).add(a__fBalance).max(a__fBalance);
+        log.info("{}#id={}#balance={} check; tmt sum: {}; omt sum {}; withdrawal amount: {}; check amount: {}",
+            a__f.getRegistryCode(), a__f.getId(), a__f.getBalance(), tmtSum, omtSum, amount, compareValue
+        );
+        return safeBD(amount).compareTo(compareValue) <= 0;
+    }
+
     public boolean insufficientBalance(Registry a__f,
                                        Long tcrId,
                                        String accCurrency,