diff --git a/x/auth/posthandler/tips.go b/x/auth/posthandler/tips.go
index f956d53e5442..33a5f69e9081 100644
--- a/x/auth/posthandler/tips.go
+++ b/x/auth/posthandler/tips.go
@@ -1,6 +1,8 @@
 package posthandler
 
 import (
+	"fmt"
+
 	sdk "github.com/cosmos/cosmos-sdk/types"
 	"github.com/cosmos/cosmos-sdk/types/tx"
 	"github.com/cosmos/cosmos-sdk/x/auth/types"
@@ -47,5 +49,10 @@ func (d tipDecorator) transferTip(ctx sdk.Context, sdkTx sdk.Tx) error {
 		return err
 	}
 
-	return d.bankKeeper.SendCoins(ctx, tipper, tipTx.FeePayer(), tipTx.GetTip().Amount)
+	coins := tipTx.GetTip().Amount
+	if err := d.bankKeeper.IsSendEnabledCoins(ctx, coins...); err != nil {
+		return fmt.Errorf("cannot tip these coins: %w", err)
+	}
+
+	return d.bankKeeper.SendCoins(ctx, tipper, tipTx.FeePayer(), coins)
 }
diff --git a/x/auth/testutil/expected_keepers_mocks.go b/x/auth/testutil/expected_keepers_mocks.go
index 97c2beed47e0..ae7f6c5dfa90 100644
--- a/x/auth/testutil/expected_keepers_mocks.go
+++ b/x/auth/testutil/expected_keepers_mocks.go
@@ -34,6 +34,25 @@ func (m *MockBankKeeper) EXPECT() *MockBankKeeperMockRecorder {
 	return m.recorder
 }
 
+// IsSendEnabledCoins mocks base method.
+func (m *MockBankKeeper) IsSendEnabledCoins(ctx types.Context, coins ...types.Coin) error {
+	m.ctrl.T.Helper()
+	varargs := []interface{}{ctx}
+	for _, a := range coins {
+		varargs = append(varargs, a)
+	}
+	ret := m.ctrl.Call(m, "IsSendEnabledCoins", varargs...)
+	ret0, _ := ret[0].(error)
+	return ret0
+}
+
+// IsSendEnabledCoins indicates an expected call of IsSendEnabledCoins.
+func (mr *MockBankKeeperMockRecorder) IsSendEnabledCoins(ctx interface{}, coins ...interface{}) *gomock.Call {
+	mr.mock.ctrl.T.Helper()
+	varargs := append([]interface{}{ctx}, coins...)
+	return mr.mock.ctrl.RecordCallWithMethodType(mr.mock, "IsSendEnabledCoins", reflect.TypeOf((*MockBankKeeper)(nil).IsSendEnabledCoins), varargs...)
+}
+
 // SendCoins mocks base method.
 func (m *MockBankKeeper) SendCoins(ctx types.Context, from, to types.AccAddress, amt types.Coins) error {
 	m.ctrl.T.Helper()
diff --git a/x/auth/types/expected_keepers.go b/x/auth/types/expected_keepers.go
index 7f242c63fd3a..b83b00aa1a92 100644
--- a/x/auth/types/expected_keepers.go
+++ b/x/auth/types/expected_keepers.go
@@ -6,6 +6,7 @@ import (
 
 // BankKeeper defines the contract needed for supply related APIs (noalias)
 type BankKeeper interface {
+	IsSendEnabledCoins(ctx sdk.Context, coins ...sdk.Coin) error
 	SendCoins(ctx sdk.Context, from, to sdk.AccAddress, amt sdk.Coins) error
 	SendCoinsFromAccountToModule(ctx sdk.Context, senderAddr sdk.AccAddress, recipientModule string, amt sdk.Coins) error
 }
diff --git a/x/auth/vesting/msg_server.go b/x/auth/vesting/msg_server.go
index ec962ba366c4..c1f9254b3b6b 100644
--- a/x/auth/vesting/msg_server.go
+++ b/x/auth/vesting/msg_server.go
@@ -81,8 +81,7 @@ func (s msgServer) CreateVestingAccount(goCtx context.Context, msg *types.MsgCre
 		}
 	}()
 
-	err = bk.SendCoins(ctx, from, to, msg.Amount)
-	if err != nil {
+	if err = bk.SendCoins(ctx, from, to, msg.Amount); err != nil {
 		return nil, err
 	}
 
@@ -135,8 +134,7 @@ func (s msgServer) CreatePermanentLockedAccount(goCtx context.Context, msg *type
 		}
 	}()
 
-	err = bk.SendCoins(ctx, from, to, msg.Amount)
-	if err != nil {
+	if err = bk.SendCoins(ctx, from, to, msg.Amount); err != nil {
 		return nil, err
 	}
 
@@ -163,11 +161,14 @@ func (s msgServer) CreatePeriodicVestingAccount(goCtx context.Context, msg *type
 	}
 
 	var totalCoins sdk.Coins
-
 	for _, period := range msg.VestingPeriods {
 		totalCoins = totalCoins.Add(period.Amount...)
 	}
 
+	if err := bk.IsSendEnabledCoins(ctx, totalCoins...); err != nil {
+		return nil, err
+	}
+
 	baseAccount := authtypes.NewBaseAccountWithAddress(to)
 	baseAccount = ak.NewAccount(ctx, baseAccount).(*authtypes.BaseAccount)
 	vestingAccount := types.NewPeriodicVestingAccount(baseAccount, totalCoins.Sort(), msg.StartTime, msg.VestingPeriods)
@@ -188,8 +189,7 @@ func (s msgServer) CreatePeriodicVestingAccount(goCtx context.Context, msg *type
 		}
 	}()
 
-	err = bk.SendCoins(ctx, from, to, totalCoins)
-	if err != nil {
+	if err = bk.SendCoins(ctx, from, to, totalCoins); err != nil {
 		return nil, err
 	}
 
diff --git a/x/auth/vesting/msg_server_test.go b/x/auth/vesting/msg_server_test.go
index 6a4c5ecbb0ee..f5e6fe58213a 100644
--- a/x/auth/vesting/msg_server_test.go
+++ b/x/auth/vesting/msg_server_test.go
@@ -188,13 +188,15 @@ func (s *VestingTestSuite) TestCreatePermanentLockedAccount() {
 }
 
 func (s *VestingTestSuite) TestCreatePeriodicVestingAccount() {
-	testCases := map[string]struct {
+	testCases := []struct {
+		name      string
 		preRun    func()
 		input     *vestingtypes.MsgCreatePeriodicVestingAccount
 		expErr    bool
 		expErrMsg string
 	}{
-		"create for existing account": {
+		{
+			name: "create for existing account",
 			preRun: func() {
 				toAcc := s.accountKeeper.NewAccountWithAddress(s.ctx, to1Addr)
 				s.accountKeeper.SetAccount(s.ctx, toAcc)
@@ -213,8 +215,10 @@ func (s *VestingTestSuite) TestCreatePeriodicVestingAccount() {
 			expErr:    true,
 			expErrMsg: "already exists",
 		},
-		"create a valid periodic vesting account": {
+		{
+			name: "create a valid periodic vesting account",
 			preRun: func() {
+				s.bankKeeper.EXPECT().IsSendEnabledCoins(gomock.Any(), periodCoin.Add(fooCoin)).Return(nil)
 				s.bankKeeper.EXPECT().SendCoins(gomock.Any(), fromAddr, to2Addr, gomock.Any()).Return(nil)
 			},
 			input: vestingtypes.NewMsgCreatePeriodicVestingAccount(
@@ -237,8 +241,8 @@ func (s *VestingTestSuite) TestCreatePeriodicVestingAccount() {
 		},
 	}
 
-	for name, tc := range testCases {
-		s.Run(name, func() {
+	for _, tc := range testCases {
+		s.Run(tc.name, func() {
 			tc.preRun()
 			_, err := s.msgServer.CreatePeriodicVestingAccount(s.ctx, tc.input)
 			if tc.expErr {