diff --git a/src/main/java/org/triple/backend/transfer/domain/Transfer.java b/src/main/java/org/triple/backend/transfer/domain/Transfer.java
index 7c40616f..d884b9c3 100644
--- a/src/main/java/org/triple/backend/transfer/domain/Transfer.java
+++ b/src/main/java/org/triple/backend/transfer/domain/Transfer.java
@@ -128,8 +128,8 @@ private String validateText(final String value, final String fieldName) {
     }
 
     private BigDecimal validateTotalAmount(final BigDecimal value) {
-        if (value.compareTo(BigDecimal.ZERO) <= 0) {
-            throw new IllegalArgumentException("totalAmount must be greater than zero");
+        if (value.compareTo(BigDecimal.ZERO) < 0) {
+            throw new IllegalArgumentException("totalAmount must be greater than minus");
         }
         return value;
     }
diff --git a/src/test/java/org/triple/backend/transfer/domain/TransferTest.java b/src/test/java/org/triple/backend/transfer/domain/TransferTest.java
index 4a950b5e..d2ee7a5a 100644
--- a/src/test/java/org/triple/backend/transfer/domain/TransferTest.java
+++ b/src/test/java/org/triple/backend/transfer/domain/TransferTest.java
@@ -69,12 +69,13 @@ void changeAccountHolder_blank_throws() {
     }
 
     @Test
-    @DisplayName("changeTotalAmount는 0 이하 금액이면 예외를 던진다")
-    void changeTotalAmount_zeroOrNegative_throws() {
+    @DisplayName("changeTotalAmount는 0을 허용하고 음수 금액이면 예외를 던진다")
+    void changeTotalAmount_allowsZeroAndRejectsNegative() {
         Transfer transfer = transfer();
 
-        assertThatThrownBy(() -> transfer.changeTotalAmount(BigDecimal.ZERO))
-            .isInstanceOf(IllegalArgumentException.class);
+        transfer.changeTotalAmount(BigDecimal.ZERO);
+
+        assertThat(transfer.getTotalAmount()).isEqualByComparingTo(BigDecimal.ZERO);
         assertThatThrownBy(() -> transfer.changeTotalAmount(new BigDecimal("-1")))
             .isInstanceOf(IllegalArgumentException.class);
     }