message Not enough funds. You need to set a lower fee.

[bitmover]

So if you're trying to pay 0.22 mbtc (= 0.00022 BTC) and your wallet balance is 0.379 mbtc (= 0.000379 BTC), then you're going to have to set the lowest possible fee which is 1 sat/byte, in order to be able to cover the transaction fee.

Then try increasing the fee by 1 sat/byte after that, and do it repeatedly until you run out of funds in the wallet.

The problem is that the fees are so high right now that the transaction will drop if the fee rate is below 50 sat/vbyte

The best thing op can do for is wait fees to get lower... or get some more btc

[hosseinimr93]

The problem is that the fees are so high right now that the transaction will drop if the fee rate is below 50 sat/vbyte

The netwoek isn't that congested now. With 50 sat/vbyte, the transaction would be around 2.5 vMB from the tip of mempools and it can be confirmed soon.

The purging fee rate is now around 11 sat/vbyte for any node with default mempool size.
If a transaction is made with the fee rate of less than 11 sat/vbyte, it would be rejected by most nodes.

Of course, it's possible to try connecting to different electrum servers until you find a one allowing to broadcast a transaction even with the fee rate of 1 sat/vbyte, but that's not helpful at all.

The best thing op can do for is wait fees to get lower... or get some more btc

Right.

[igor72]

The problem is that the fees are so high right now that the transaction will drop if the fee rate is below 50 sat/vbyte

11 sat/vbyte actually. But you can send with less, some nodes will accept such a transaction. For example, bitcoin explorers have the ability to broadcast a raw transaction with any fee above 1 sat/vbyte. But I don't see the point of that.

[exhort]

By default, Electrum displays your amount in mBTC. Perhaps you re trying to enter the amount to send in BTC, which is 1000 times larger.

For instance, Electrum shows you have 1500, you enter 750, which equals 750000 mBTC. You should enter 0.750.

[nc50lc]

By default, Electrum displays your amount in mBTC. Perhaps you re trying to enter the amount to send in BTC, which is 1000 times larger.

That's a good guess;
But if it's an amount higher than his available UTXO(s), the error "Not enough funds" will be shown in the 'Send' tab without the "use a lower fee" note.

Refer to this reply in page1 to see the instance where the error described by OP will appear: /index.php?topic=5477026.msg63305152#msg63305152

[Gormicsta]

When I try to pay I get message Not enough funds. You need to set a lower fee. But I have enough money on balance to send to receiver and to pay mining fee. The balance was 0.379 mbts. I had to pay 0.22. The mining fee was approximately 0.9 mbts. I wanted to pay using ETA.  Please write me, how to solve the problem when paying by ETA or static. If I do not want to pay with mempool.
Regards,
Alex

This often happens, I've had similar experience some time ago. It's also possible that the error message is indicating that you don't have enough funds to cover both the transaction fees and the associated mining fee. The few times I paid with ETA, I figured out that this often occurs because the estimated amount isn't always enough to cover for both the transaction fee as well as the mining fee. In this case you can try increasing the amount you're paying or you can also try to adjust the fees and see if it works.

If this persists you could try an alternative payment method, I'll highly recommend STATIC, unlike ETA static payment method will guarantee the exact amount you're paying and you can as well set an actual fee, I believe you wouldn't encounter such problem with STATIC