diff --git a/backend/api/chat_router.py b/backend/api/chat_router.py
index aab9287..9595756 100644
--- a/backend/api/chat_router.py
+++ b/backend/api/chat_router.py
@@ -274,11 +274,11 @@ async def websocket_chat_endpoint(websocket: WebSocket, user_id: str):
                                             )
                                             # 余额耗尽时通知前端
                                             remaining = charge_result.get("available_tokens", 0)
-                                            if remaining <= 0:
-                                                await websocket.send_text(json.dumps({
+                                            # 扣费失败时也通知前端
+                                            await websocket.send_text(json.dumps({
                                                     "type": "error",
                                                     "error": "insufficient_tokens",
-                                                    "message": "Token不足，请充值",
+                                                    "message": "Token不足（剩余" + str(remaining) + "），请充值",
                                                     "available_tokens": remaining,
                                                     "timestamp": datetime.now().isoformat()
                                                 }))
diff --git a/backend/api/voice_chat_router.py b/backend/api/voice_chat_router.py
index f1d8b80..797e2dd 100644
--- a/backend/api/voice_chat_router.py
+++ b/backend/api/voice_chat_router.py
@@ -1264,8 +1264,8 @@ async def receive_events_loop(
                                 }))
                             except Exception:
                                 pass
-                            # 余额耗尽时终止事件循环，防止火山引擎继续消费
-                            if remaining <= 0:
+                            # 扣费失败时终止事件循环（余额不够最低消费也要停）
+                            if True:
                                 logger.warning(
                                     f"[VOICE_TOKEN_EXHAUSTED] user_id={user_id} mode={charge_mode} "
                                     f"remaining={remaining}, breaking event loop and closing"
diff --git a/frontend/src/stores/chatStore.js b/frontend/src/stores/chatStore.js
index 1e92956..0f6f11d 100644
--- a/frontend/src/stores/chatStore.js
+++ b/frontend/src/stores/chatStore.js
@@ -1013,6 +1013,7 @@ export const useChatStore = defineStore('chat', () => {
       case 'token_update':
           {
             const remaining = data.remaining_tokens ?? data.data?.remaining_tokens ?? null
+            const warning = data.warning || data.data?.warning
             if (remaining !== null) {
               console.log('[ChatStore] Token update:', remaining, 'remaining')
               // 余额耗尽时标记并断开
@@ -1024,16 +1025,21 @@ export const useChatStore = defineStore('chat', () => {
                 resetAudioState()
                 break
               }
+              // 扣费失败（余额不够最低消费）也标记耗尽
+              if (warning) {
+                console.warn('[ChatStore] Token charge failed:', warning, 'remaining:', remaining)
+                _realtimeTokenExhausted = true
+                ElMessage.error(`Token不足（剩余${remaining}），实时通话已结束`)
+                disconnectRealtimeWebSocket()
+                resetAudioState()
+                break
+              }
               // 充值后恢复：余额恢复时重置耗尽标记和 AI 处理状态
               _realtimeTokenExhausted = false
               if (isAiProcessing.value) {
                 isAiProcessing.value = false
               }
             }
-            const warning = data.warning || data.data?.warning
-            if (warning) {
-              console.warn('[ChatStore] Token warning:', warning)
-            }
           }
           break
       case 'error':