diff --git a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
index 78d27f04..b91c5dcf 100644
--- a/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
+++ b/smart-switch-service/src/main/java/com/ruoyi/ss/transactionBill/service/impl/TransactionBillServiceImpl.java
@@ -391,6 +391,7 @@ public class TransactionBillServiceImpl implements TransactionBillService {
             bill.setChannelId(channel.getChannelId());
             bill.setWithdrawType(WithdrawType.ONLINE.getType());
             bill.setChannelCost(channel.getCostRate().multiply(bill.getMoney()).divide(new BigDecimal(100), 2, RoundingMode.HALF_UP));   // 渠道成本
+            bill.setAfterBalance(user.getBalance().subtract(dto.getMoney())); // 剩余金额
 
             transactionTemplate.execute(status -> {
                 // 提现申请
@@ -400,10 +401,6 @@ public class TransactionBillServiceImpl implements TransactionBillService {
                 // 减少余额，并判断提现金额是否超额（减少的是交易金额）
                 userService.subtractBalance(userId, bill.getMoney(), String.format("提现申请:%s", bill.getBillNo()), RecordBalanceBstType.WITHDRAW, bill.getBillId());
 
-                // 减少余额后的用户信息
-                SmUserVo afterUser = smUserMapper.selectSimpleById(userId);
-                bill.setAfterBalance(afterUser.getBalance());
-
                 return insert;
             });