diff --git a/src/components/SmsCreditWidget.vue b/src/components/SmsCreditWidget.vue
index 41d752c..8531c8b 100644
--- a/src/components/SmsCreditWidget.vue
+++ b/src/components/SmsCreditWidget.vue
@@ -212,11 +212,19 @@ watch(modalVisible, (open) => {
   if (open) showLabelHint.value = false
 })
 
+function onOpenChargeFromWarning() {
+  modalVisible.value = true
+}
+
 onMounted(() => {
   if (isCompactDesktop.value) startLabelHintLoop()
+  window.addEventListener('sms-open-charge-modal', onOpenChargeFromWarning)
 })
 
-onUnmounted(stopLabelHintTimers)
+onUnmounted(() => {
+  stopLabelHintTimers()
+  window.removeEventListener('sms-open-charge-modal', onOpenChargeFromWarning)
+})
 </script>
 
 <style scoped lang="less">
diff --git a/src/components/SmsNegativeBalanceHost.vue b/src/components/SmsNegativeBalanceHost.vue
new file mode 100644
index 0000000..7f10c02
--- /dev/null
+++ b/src/components/SmsNegativeBalanceHost.vue
@@ -0,0 +1,27 @@
+<script setup lang="ts">
+import { computed } from 'vue'
+import SmsNegativeBalanceModal from '@/components/SmsNegativeBalanceModal.vue'
+import { useSmsWalletStore } from '@/store/smsWalletStore'
+
+const store = useSmsWalletStore()
+
+const visible = computed({
+  get: () => store.visible && store.loaded && store.negativeWarningVisible,
+  set: (value: boolean) => {
+    if (!value) store.dismissNegativeWarning()
+  }
+})
+
+function openCharge() {
+  // باز کردن مودال شارژ از ویجت هدر با رویداد سفارشی ساده
+  window.dispatchEvent(new CustomEvent('sms-open-charge-modal'))
+}
+</script>
+
+<template>
+  <SmsNegativeBalanceModal
+    v-model:visible="visible"
+    :balance="store.balance"
+    @charge="openCharge"
+  />
+</template>
diff --git a/src/components/SmsNegativeBalanceModal.vue b/src/components/SmsNegativeBalanceModal.vue
new file mode 100644
index 0000000..dd3b8f7
--- /dev/null
+++ b/src/components/SmsNegativeBalanceModal.vue
@@ -0,0 +1,115 @@
+<script setup lang="ts">
+import BasicModal from '@/components/BasicModal.vue'
+import BaseButton from '@core/components/BaseButton'
+import Icon from '@core/components/BaseIcon/src/Icon.vue'
+
+defineProps<{
+  visible: boolean
+  balance: number
+}>()
+
+const emit = defineEmits<{
+  'update:visible': [value: boolean]
+  charge: []
+}>()
+
+function closeModal() {
+  emit('update:visible', false)
+}
+
+function openCharge() {
+  emit('charge')
+  emit('update:visible', false)
+}
+
+function formatNumber(value: number) {
+  return Number(value || 0).toLocaleString('fa-IR')
+}
+</script>
+
+<template>
+  <BasicModal
+    :visible="visible"
+    width="28rem"
+    title="هشدار موجودی پیامک"
+    :custom-footer="true"
+    @close="closeModal"
+    @update:visible="emit('update:visible', $event)"
+  >
+    <div class="sms-neg-modal">
+      <div class="sms-neg-modal__banner">
+        <Icon icon="vuesax-linear:warning-2" :size="22" class="sms-neg-modal__icon" />
+        <div>
+          <p class="sms-neg-modal__title">موجودی کیف پول پیامک منفی است</p>
+          <p class="sms-neg-modal__text">
+            تا زمان شارژ و مثبت شدن موجودی، این هشدار با هر بار ورود به صفحات ادمین نمایش داده می‌شود.
+          </p>
+        </div>
+      </div>
+
+      <div class="sms-neg-modal__balance">
+        <span>موجودی فعلی</span>
+        <strong>{{ formatNumber(balance) }} ریال</strong>
+      </div>
+    </div>
+
+    <template #footer>
+      <BaseButton @click="closeModal">بستن</BaseButton>
+      <BaseButton type="primary" @click="openCharge">اطلاعات واریز / شارژ</BaseButton>
+    </template>
+  </BasicModal>
+</template>
+
+<style scoped lang="less">
+.sms-neg-modal {
+  display: flex;
+  flex-direction: column;
+  gap: 1rem;
+}
+
+.sms-neg-modal__banner {
+  display: flex;
+  align-items: flex-start;
+  gap: 0.75rem;
+  padding: 0.85rem 1rem;
+  border-radius: 0.85rem;
+  border: 1px solid #fecaca;
+  background: linear-gradient(135deg, #fef2f2, #fff);
+}
+
+.sms-neg-modal__icon {
+  color: #dc2626;
+  flex-shrink: 0;
+  margin-top: 0.15rem;
+}
+
+.sms-neg-modal__title {
+  margin: 0 0 0.35rem;
+  font-weight: 700;
+  color: #b91c1c;
+}
+
+.sms-neg-modal__text {
+  margin: 0;
+  font-size: 0.85rem;
+  line-height: 1.8;
+  color: var(--admin-text-secondary);
+}
+
+.sms-neg-modal__balance {
+  display: flex;
+  justify-content: space-between;
+  align-items: center;
+  gap: 0.75rem;
+  padding: 0.75rem 1rem;
+  border-radius: 0.75rem;
+  background: var(--admin-bg-muted);
+  border: 1px solid var(--admin-border);
+  font-size: 0.85rem;
+}
+
+.sms-neg-modal__balance strong {
+  color: #b91c1c;
+  font-size: 1rem;
+}
+</style>
diff --git a/src/core/layouts/BasicLayout.vue b/src/core/layouts/BasicLayout.vue
index 6f908a5..75fdf99 100644
--- a/src/core/layouts/BasicLayout.vue
+++ b/src/core/layouts/BasicLayout.vue
@@ -90,6 +90,7 @@
     </ALayout>
     <BasicMobileBottomNav v-if="isMobile" />
     <BaseSettings />
+    <SmsNegativeBalanceHost />
   </ALayout>
 </template>
 
@@ -102,6 +103,7 @@ import { isMobile } from '@core/utils/is'
 import BaseSettings from '@core/layouts/BaseSettings.vue'
 import BasicMobileHeader from '@/components/BasicMobileHeader.vue'
 import BasicMobileBottomNav from '@/components/BasicMobileBottomNav.vue'
+import SmsNegativeBalanceHost from '@/components/SmsNegativeBalanceHost.vue'
 const { prefixCls } = usePrefix('basic-layout')
 const layoutStore = useLayoutStore()
 </script>
diff --git a/src/store/smsWalletStore.ts b/src/store/smsWalletStore.ts
index 2b18953..357e328 100644
--- a/src/store/smsWalletStore.ts
+++ b/src/store/smsWalletStore.ts
@@ -1,4 +1,5 @@
 import { computed, ref } from 'vue'
+import { defineStore } from 'pinia'
 import { getSmsWalletSummary, type SmsDepositInfo } from '@/api/smsPanel'
 import { useUserStore } from '@/store/userStore'
 
@@ -18,6 +19,8 @@ export const useSmsWalletStore = defineStore('smsWallet', () => {
   const deposit = ref<SmsDepositInfo>({ ...EMPTY_DEPOSIT })
   const loaded = ref(false)
   const loading = ref(false)
+  /** هشدار موجودی منفی — با هر refresh اگر هنوز منفی باشد دوباره باز می‌شود */
+  const negativeWarningVisible = ref(false)
 
   /** ویجت فقط وقتی billing/پنل پیامک فعال است نمایش داده می‌شود. */
   const visible = computed(() => userStore.smsBillingEnabled)
@@ -25,6 +28,7 @@ export const useSmsWalletStore = defineStore('smsWallet', () => {
   async function refresh() {
     if (!visible.value) {
       loaded.value = false
+      negativeWarningVisible.value = false
       return
     }
     if (loading.value) return
@@ -36,6 +40,7 @@ export const useSmsWalletStore = defineStore('smsWallet', () => {
       isBlocked.value = res.is_blocked
       deposit.value = res.deposit ?? { ...EMPTY_DEPOSIT }
       loaded.value = true
+      negativeWarningVisible.value = res.balance < 0
     } catch {
       // خطای موجودی نباید مزاحم کاربر شود؛ ویجت در صورت نبود داده مخفی می‌ماند
     } finally {
@@ -43,6 +48,10 @@ export const useSmsWalletStore = defineStore('smsWallet', () => {
     }
   }
 
+  function dismissNegativeWarning() {
+    negativeWarningVisible.value = false
+  }
+
   return {
     balance,
     isBlocked,
@@ -50,6 +59,8 @@ export const useSmsWalletStore = defineStore('smsWallet', () => {
     loaded,
     loading,
     visible,
-    refresh
+    negativeWarningVisible,
+    refresh,
+    dismissNegativeWarning
   }
 })