diff --git a/src/components/SettlementButton/index.tsx b/src/components/SettlementButton/index.tsx
index 8d3add9b6fd0..f371545ab7b0 100644
--- a/src/components/SettlementButton/index.tsx
+++ b/src/components/SettlementButton/index.tsx
@@ -64,6 +64,7 @@ function SettlementButton({
     const {isOffline} = useNetwork();
     // The app would crash due to subscribing to the entire report collection if chatReportID is an empty string. So we should have a fallback ID here.
     const [chatReport] = useOnyx(`${ONYXKEYS.COLLECTION.REPORT}${chatReportID || -1}`);
+    const [isUserValidated] = useOnyx(ONYXKEYS.USER, {selector: (user) => !!user?.validated});
     const [lastPaymentMethod = '-1', lastPaymentMethodResult] = useOnyx(ONYXKEYS.NVP_LAST_PAYMENT_METHOD, {selector: (paymentMethod) => paymentMethod?.[policyID]});
     const isLoadingLastPaymentMethod = isLoadingOnyxValue(lastPaymentMethodResult);
     const [policy] = useOnyx(`${ONYXKEYS.COLLECTION.POLICY}${policyID}`);
@@ -188,6 +189,10 @@ function SettlementButton({
         }
 
         if (iouPaymentType === CONST.IOU.PAYMENT_TYPE.EXPENSIFY || iouPaymentType === CONST.IOU.PAYMENT_TYPE.VBBA) {
+            if (!isUserValidated) {
+                Navigation.navigate(ROUTES.SETTINGS_WALLET_VERIFY_ACCOUNT.getRoute());
+                return;
+            }
             triggerKYCFlow(event, iouPaymentType);
             BankAccounts.setPersonalBankAccountContinueKYCOnSuccess(ROUTES.ENABLE_PAYMENTS);
             return;