diff --git a/wallet/src/main/java/net/taler/wallet/balances/Balances.kt b/wallet/src/main/java/net/taler/wallet/balances/Balances.kt
index d2a57099..01595f47 100644
--- a/wallet/src/main/java/net/taler/wallet/balances/Balances.kt
+++ b/wallet/src/main/java/net/taler/wallet/balances/Balances.kt
@@ -30,8 +30,22 @@ data class BalanceItem(
     val pendingOutgoing: Amount,
     val disablePeerPayments: Boolean,
     val shoppingUrls: List<String> = emptyList(),
+    /**
+     * wallet-core's BalanceFlag values, kept as strings so that a flag
+     * added later cannot break decoding the whole balance list.
+     */
+    val flags: List<String> = emptyList(),
 ) {
     val currency: String get() = available.currency
+
+    /** Pending incoming money waits for the user to pass KYC. */
+    val incomingKyc: Boolean get() = "incoming-kyc" in flags
+
+    /** Pending incoming money waits for the user to confirm at the bank. */
+    val incomingConfirmation: Boolean get() = "incoming-confirmation" in flags
+
+    /** Pending outgoing money waits for the user to pass KYC. */
+    val outgoingKyc: Boolean get() = "outgoing-kyc" in flags
 }
 
 @Serializable
diff --git a/wallet/src/main/java/net/taler/wallet/balances/LegacyBalancesComposable.kt b/wallet/src/main/java/net/taler/wallet/balances/LegacyBalancesComposable.kt
index 06bdfa07..fdc7b36d 100644
--- a/wallet/src/main/java/net/taler/wallet/balances/LegacyBalancesComposable.kt
+++ b/wallet/src/main/java/net/taler/wallet/balances/LegacyBalancesComposable.kt
@@ -16,6 +16,7 @@
 
 package net.taler.wallet.balances
 
+import androidx.annotation.StringRes
 import androidx.compose.animation.AnimatedVisibility
 import androidx.compose.animation.animateContentSize
 import androidx.compose.foundation.background
@@ -23,10 +24,12 @@ import androidx.compose.foundation.clickable
 import androidx.compose.foundation.layout.Box
 import androidx.compose.foundation.layout.Column
 import androidx.compose.foundation.layout.PaddingValues
+import androidx.compose.foundation.layout.Row
 import androidx.compose.foundation.layout.consumeWindowInsets
 import androidx.compose.foundation.layout.fillMaxSize
 import androidx.compose.foundation.layout.fillMaxWidth
 import androidx.compose.foundation.layout.padding
+import androidx.compose.foundation.layout.size
 import androidx.compose.foundation.lazy.LazyColumn
 import androidx.compose.foundation.lazy.items
 import androidx.compose.material.icons.Icons
@@ -344,23 +347,37 @@ fun LegacyPendingComposable(
             Column(modifier = Modifier.padding(vertical = 5.dp)) {
                 ProvideTextStyle(MaterialTheme.typography.bodyLarge) {
                     AnimatedVisibility(!balance.pendingIncoming.isZero()) {
-                        Text(
-                            stringResource(
-                                R.string.balances_inbound_amount,
-                                balance.pendingIncoming.toString(showSymbol = false),
-                            ),
-                            color = TalerTheme.extraColors.success,
-                        )
+                        Column {
+                            Text(
+                                stringResource(
+                                    R.string.balances_inbound_amount,
+                                    balance.pendingIncoming.toString(showSymbol = false),
+                                ),
+                                color = TalerTheme.extraColors.success,
+                            )
+                            // the money only arrives once the user acts
+                            if (balance.incomingKyc) {
+                                PendingActionRequired(R.string.transactions_required_kyc)
+                            }
+                            if (balance.incomingConfirmation) {
+                                PendingActionRequired(R.string.transaction_state_pending_bank)
+                            }
+                        }
                     }
 
                     AnimatedVisibility(!balance.pendingOutgoing.isZero()) {
-                        Text(
-                            stringResource(
-                                R.string.balances_outbound_amount,
-                                balance.pendingOutgoing.toString(showSymbol = false)
-                            ),
-                            color = MaterialTheme.colorScheme.error,
-                        )
+                        Column {
+                            Text(
+                                stringResource(
+                                    R.string.balances_outbound_amount,
+                                    balance.pendingOutgoing.toString(showSymbol = false)
+                                ),
+                                color = MaterialTheme.colorScheme.error,
+                            )
+                            if (balance.outgoingKyc) {
+                                PendingActionRequired(R.string.transactions_required_kyc)
+                            }
+                        }
                     }
                 }
             }
@@ -374,6 +391,27 @@ fun LegacyPendingComposable(
     )
 }
 
+@Composable
+private fun PendingActionRequired(@StringRes text: Int) {
+    Row(
+        modifier = Modifier.padding(top = 2.dp),
+        verticalAlignment = Alignment.CenterVertically,
+    ) {
+        Icon(
+            Icons.Default.Warning,
+            contentDescription = null,
+            modifier = Modifier.size(16.dp),
+            tint = MaterialTheme.colorScheme.error,
+        )
+        Text(
+            text = stringResource(text),
+            modifier = Modifier.padding(start = 4.dp),
+            style = MaterialTheme.typography.bodyMedium,
+            color = MaterialTheme.colorScheme.error,
+        )
+    }
+}
+
 @Preview
 @Composable
 fun LegacyBalancesComposablePreview() {