diff --git a/electrum/gui/qt/confirm_tx_dialog.py b/electrum/gui/qt/confirm_tx_dialog.py
index bd7df229b..a720b9093 100644
--- a/electrum/gui/qt/confirm_tx_dialog.py
+++ b/electrum/gui/qt/confirm_tx_dialog.py
@@ -570,9 +570,12 @@ class TxEditor(WindowModalDialog):
             messages.append(_('This payment will be merged with another existing transaction.'))
         # warn if we use multiple change outputs
         num_change = sum(int(o.is_change) for o in self.tx.outputs())
+        num_ismine = sum(int(o.is_mine) for o in self.tx.outputs())
         if num_change > 1:
             messages.append(_('This transaction has {} change outputs.'.format(num_change)))
-        if num_change == 0:
+        # warn if there is no ismine output, as it might be problematic to RBF the tx later.
+        # (though RBF is still possible by adding new inputs, if the wallet has more utxos)
+        if num_ismine == 0:
             messages.append(_('Make sure you pay enough mining fees; you will not be able to bump the fee later.'))
 
         # TODO: warn if we send change back to input address