diff --git a/src/app/cashier/branch-day/branch-day.component.html b/src/app/cashier/branch-day/branch-day.component.html
index 25bbb9933..13c4f28c2 100644
--- a/src/app/cashier/branch-day/branch-day.component.html
+++ b/src/app/cashier/branch-day/branch-day.component.html
@@ -580,6 +580,33 @@
         reversed afterwards.
       </p>
 
+      @if (hasUnreconciledOrUnsettledCashiers) {
+        <div class="pg-alert pg-alert--error bd-reconcile-block">
+          <mat-icon>block</mat-icon>
+          <div>
+            <strong>Cannot close the day — cashiers still holding cash have not been reconciled or settled.</strong>
+            <ul class="bd-reconcile-block__list">
+              @for (detail of unreconciledOrUnsettledCashierDetails; track detail.name) {
+                <li>
+                  <strong>{{ detail.name }}</strong> —
+                  @if (detail.notReconciled && detail.notSettled) {
+                    Not Reconciled, Not Settled
+                  } @else if (detail.notReconciled) {
+                    Not Reconciled
+                  } @else {
+                    Not Settled
+                  }
+                </li>
+              }
+            </ul>
+            <span class="db-muted"
+              >Each cashier must reconcile their cash and settle it back to the vault before the branch day can be
+              closed.</span
+            >
+          </div>
+        </div>
+      }
+
       <div class="db-panel__actions">
         <button type="button" class="pg-btn pg-btn--primary" (click)="submitClose()" [disabled]="!canSubmitClose">
           {{ isLateClose ? 'Force Close Day' : 'Close Day' }}
diff --git a/src/app/cashier/branch-day/branch-day.component.scss b/src/app/cashier/branch-day/branch-day.component.scss
index a4b1ac062..1db8d68d2 100644
--- a/src/app/cashier/branch-day/branch-day.component.scss
+++ b/src/app/cashier/branch-day/branch-day.component.scss
@@ -295,3 +295,36 @@
     }
   }
 }
+
+/* Alert shown when cashiers holding cash have not been reconciled or settled — blocks day close. */
+.bd-reconcile-block {
+  display: flex;
+  align-items: flex-start;
+  gap: 10px;
+  margin: 14px 0;
+  padding: 12px 16px;
+  background: #fef2f2;
+  border: 1px solid #fecaca;
+  border-left: 4px solid #dc2626;
+  border-radius: 8px;
+  color: #991b1b;
+  font-size: 12px;
+
+  mat-icon {
+    font-size: 20px;
+    width: 20px;
+    height: 20px;
+    color: #dc2626;
+    flex-shrink: 0;
+    margin-top: 1px;
+  }
+
+  &__list {
+    margin: 6px 0 6px 16px;
+    padding: 0;
+    list-style: disc;
+    font-size: 12px;
+    color: #b91c1c;
+    line-height: 1.6;
+  }
+}
diff --git a/src/app/cashier/branch-day/branch-day.component.ts b/src/app/cashier/branch-day/branch-day.component.ts
index 9abba824f..36bd1cee4 100644
--- a/src/app/cashier/branch-day/branch-day.component.ts
+++ b/src/app/cashier/branch-day/branch-day.component.ts
@@ -539,13 +539,53 @@ export class BranchDayComponent implements OnInit {
     return !!this.closeTarget && this.closeTarget.businessDate < this.today;
   }
 
+  /**
+   * True when any cashier who was given cash (currentTotal > 0) is still NOT reconciled
+   * or NOT settled — meaning outstanding cash hasn't been accounted for yet.
+   */
+  get hasUnreconciledOrUnsettledCashiers(): boolean {
+    for (const t of this.eodTellers) {
+      for (const c of t.cashiers) {
+        if (c.currentTotal > 0 && (c.reconciled === false || c.alreadySettled === false)) {
+          return true;
+        }
+      }
+    }
+    return false;
+  }
+
+  /** Names of cashiers blocking the close, for the error message. */
+  get unreconciledOrUnsettledCashierDetails(): { name: string; notReconciled: boolean; notSettled: boolean }[] {
+    const result: { name: string; notReconciled: boolean; notSettled: boolean }[] = [];
+    for (const t of this.eodTellers) {
+      for (const c of t.cashiers) {
+        if (c.currentTotal > 0 && (c.reconciled === false || c.alreadySettled === false)) {
+          result.push({
+            name: c.cashierName,
+            notReconciled: c.reconciled === false,
+            notSettled: c.alreadySettled === false
+          });
+        }
+      }
+    }
+    return result;
+  }
+
   get canSubmitClose(): boolean {
     const hasFigure = this.closingCash != null || this.closeDenomTotal > 0;
     if (!this.closeTarget || !hasFigure || this.closing) return false;
+    // Block while cashier/vault data is still loading — the reconciliation check can't run yet.
+    if (this.eodLoading || this.previewLoading) return false;
+    if (this.hasUnreconciledOrUnsettledCashiers) return false;
     return !this.isLateClose || !!this.forceReason.trim();
   }
 
   submitClose(): void {
+    // Safety: re-check reconciliation even if the button was somehow enabled.
+    if (this.hasUnreconciledOrUnsettledCashiers || this.eodLoading || this.previewLoading) {
+      this.errorMsg = 'Cannot close — cashiers holding cash have not been reconciled or settled.';
+      return;
+    }
     const day = this.closeTarget;
     const denominations = this.denominationPayload(this.closeCounts);
     const figure = denominations.length ? this.closeDenomTotal : this.closingCash;
diff --git a/src/environments/.env.ts b/src/environments/.env.ts
index b729cd715..819f5824c 100644
--- a/src/environments/.env.ts
+++ b/src/environments/.env.ts
@@ -9,8 +9,8 @@
 /* tslint:disable */
 export default {
   'mifos_x': {
-    'version': '260901',
-    'hash': '03f2f1d7'
+    'version': '260902',
+    'hash': '63134f17'
   },
   'allow_switching_backend_instance': true
 };