diff --git a/src/pages/Chat/Chat.css b/src/pages/Chat/Chat.css
index 7dc9cde..6f5f84c 100644
--- a/src/pages/Chat/Chat.css
+++ b/src/pages/Chat/Chat.css
@@ -164,6 +164,20 @@
     color: var(--text-primary);
 }
 
+.confirmation-card-warning {
+    margin-bottom: 12px;
+    padding: 10px;
+    background-color: rgba(245, 158, 11, 0.1);
+    border: 1px solid #f59e0b;
+    border-radius: 8px;
+    color: #b45309;
+    font-size: 13px;
+    line-height: 1.5;
+    display: flex;
+    align-items: center;
+    gap: 8px;
+}
+
 .confirmation-card-icon {
     font-size: 18px;
 }
diff --git a/src/pages/Chat/Chat.tsx b/src/pages/Chat/Chat.tsx
index 0c35e8d..773d263 100644
--- a/src/pages/Chat/Chat.tsx
+++ b/src/pages/Chat/Chat.tsx
@@ -111,8 +111,18 @@ export default function Chat() {
             // 清除会话以开始新对话
             aiService.clearSession();
             setSessionId(null);
-        } catch (error) {
+        } catch (error: any) {
             console.error('Failed to confirm transaction:', error);
+            // 显示后端返回的具体错误信息（如余额不足）
+            const errorMsg = error.response?.data?.error || '抱歉，记账失败，请稍后再试。';
+
+            const errorMessage: Message = {
+                id: Date.now().toString(),
+                role: 'assistant',
+                content: `❌ ${errorMsg}`,
+                timestamp: new Date(),
+            };
+            setMessages(prev => [...prev, errorMessage]);
         } finally {
             setIsLoading(false);
         }
@@ -281,6 +291,11 @@ export default function Chat() {
                                                 <span className="confirmation-card-icon">📝</span>
                                                 确认记账
                                             </div>
+                                            {msg.confirmationCard.warning && (
+                                                <div className="confirmation-card-warning">
+                                                    {msg.confirmationCard.warning}
+                                                </div>
+                                            )}
                                             <div className="confirmation-card-fields">
                                                 <div className="confirmation-card-field">
                                                     <div className="confirmation-card-label">金额</div>
diff --git a/src/types/index.ts b/src/types/index.ts
index 22d0ad5..7912aec 100644
--- a/src/types/index.ts
+++ b/src/types/index.ts
@@ -481,6 +481,7 @@ export interface ConfirmationCard {
   date: string;
   note?: string;
   isComplete: boolean;
+  warning?: string;
 }
 
 // AI Transcription Result