diff --git a/web/satellite/src/components/account/billing/BillingArea.vue b/web/satellite/src/components/account/billing/BillingArea.vue
index 8768aeb26..9c53c0459 100644
--- a/web/satellite/src/components/account/billing/BillingArea.vue
+++ b/web/satellite/src/components/account/billing/BillingArea.vue
@@ -144,11 +144,14 @@ function routeToCoupons(): void {
 
 /**
  * Mounted lifecycle hook after initial render.
- * Fetches account balance.
+ * Fetches account balance and credit cards.
  */
 onMounted(async (): Promise<void> => {
     try {
-        await billingStore.getBalance();
+        await Promise.all([
+            billingStore.getBalance(),
+            billingStore.getCreditCards(),
+        ]);
     } catch (error) {
         notify.notifyError(error, AnalyticsErrorEventSource.BILLING_AREA);
     }
diff --git a/web/satellite/src/store/modules/billingStore.ts b/web/satellite/src/store/modules/billingStore.ts
index bf7d841d5..86a7c711b 100644
--- a/web/satellite/src/store/modules/billingStore.ts
+++ b/web/satellite/src/store/modules/billingStore.ts
@@ -201,18 +201,8 @@ export const useBillingStore = defineStore('billing', () => {
         state.wallet = new Wallet();
     }
 
-    const canUserCreateFirstProject = computed((): boolean => {
-        return state.balance.sum > 0 || state.creditCards.length > 0;
-    });
-
-    const isBalancePositive = computed((): boolean => {
-        return state.balance.sum > 0;
-    });
-
     return {
         state,
-        canUserCreateFirstProject,
-        isBalancePositive,
         getBalance,
         getWallet,
         claimWallet,
diff --git a/web/satellite/src/types/payments.ts b/web/satellite/src/types/payments.ts
index a9eb63035..a6807de6e 100644
--- a/web/satellite/src/types/payments.ts
+++ b/web/satellite/src/types/payments.ts
@@ -158,6 +158,10 @@ export class AccountBalance {
         return parseFloat(this._coins);
     }
 
+    public get credits(): number {
+        return parseFloat(this._credits);
+    }
+
     public get formattedCredits(): string {
         return formatPrice(decimalShift(this._credits, 2));
     }
@@ -167,7 +171,7 @@ export class AccountBalance {
     }
 
     public get sum(): number {
-        return this.freeCredits + this.coins;
+        return this.credits + this.coins;
     }
 
     public hasCredits(): boolean {
diff --git a/web/satellite/src/views/all-dashboard/AllDashboardArea.vue b/web/satellite/src/views/all-dashboard/AllDashboardArea.vue
index ec2074db7..2406f0646 100644
--- a/web/satellite/src/views/all-dashboard/AllDashboardArea.vue
+++ b/web/satellite/src/views/all-dashboard/AllDashboardArea.vue
@@ -161,13 +161,6 @@ onMounted(async () => {
         notify.notifyError(error, AnalyticsErrorEventSource.ALL_PROJECT_DASHBOARD);
     }
 
-    try {
-        await billingStore.getCreditCards();
-    } catch (error) {
-        error.message = `Unable to get credit cards. ${error.message}`;
-        notify.notifyError(error, AnalyticsErrorEventSource.ALL_PROJECT_DASHBOARD);
-    }
-
     try {
         await projectsStore.getUserInvitations();
     } catch (error) {
diff --git a/web/satellite/src/views/all-dashboard/components/AllProjectsDashboardBanners.vue b/web/satellite/src/views/all-dashboard/components/AllProjectsDashboardBanners.vue
index 05e42a78d..2184bfd43 100644
--- a/web/satellite/src/views/all-dashboard/components/AllProjectsDashboardBanners.vue
+++ b/web/satellite/src/views/all-dashboard/components/AllProjectsDashboardBanners.vue
@@ -30,11 +30,20 @@
             :dashboard-ref="parentRef"
             :on-link-click="redirectToBillingPage"
         />
+
+        <v-banner
+            v-if="isLowBalance && parentRef"
+            class="all-dashboard-banners__low-balance"
+            message="Your STORJ Token balance is low. Deposit more STORJ tokens or add a credit card to avoid interruptions in service."
+            link-text="Go to billing"
+            severity="warning"
+            :dashboard-ref="parentRef"
+            :on-link-click="redirectToBillingOverview"
+        />
     </div>
 </template>
 
 <script setup lang="ts">
-
 import { computed } from 'vue';
 import { useRouter } from 'vue-router';
 
@@ -42,12 +51,14 @@ import { useUsersStore } from '@/store/modules/usersStore';
 import { MODALS } from '@/utils/constants/appStatePopUps';
 import { useAppStore } from '@/store/modules/appStore';
 import { RouteConfig } from '@/types/router';
+import { useBillingStore } from '@/store/modules/billingStore';
 
 import VBanner from '@/components/common/VBanner.vue';
 import UpgradeNotification from '@/components/notifications/UpgradeNotification.vue';
 
 const router = useRouter();
 
+const billingStore = useBillingStore();
 const usersStore = useUsersStore();
 const appStore = useAppStore();
 
@@ -69,6 +80,15 @@ const isAccountWarned = computed((): boolean => {
     return usersStore.state.user.freezeStatus.warned;
 });
 
+/**
+ * Indicates if low STORJ token balance banner is shown.
+ */
+const isLowBalance = computed((): boolean => {
+    return !billingStore.state.creditCards.length &&
+        billingStore.state.nativePaymentsHistory.length > 0 &&
+        billingStore.state.balance.sum < billingStore.state.projectCharges.getPrice();
+});
+
 /* whether the paid tier banner should be shown */
 const isPaidTierBannerShown = computed((): boolean => {
     return !usersStore.state.user.paidTier
@@ -97,6 +117,13 @@ function togglePMModal(): void {
 async function redirectToBillingPage(): Promise<void> {
     await router.push(RouteConfig.AccountSettings.with(RouteConfig.Billing2.with(RouteConfig.BillingPaymentMethods2)).path);
 }
+
+/**
+ * Redirects to Billing Page Overview tab.
+ */
+async function redirectToBillingOverview(): Promise<void> {
+    await router.push(RouteConfig.AccountSettings.with(RouteConfig.Billing2.with(RouteConfig.BillingOverview2)).path);
+}
 </script>
 
 <style scoped lang="scss">
@@ -104,9 +131,9 @@ async function redirectToBillingPage(): Promise<void> {
     margin-bottom: 20px;
 
     &__upgrade,
-    &__project-limit,
     &__freeze,
-    &__warning {
+    &__warning,
+    &__low-balance {
         margin: 20px 0 0;
         box-shadow: 0 0 20px rgb(0 0 0 / 4%);
     }
diff --git a/web/satellite/src/views/all-dashboard/components/MyProjects.vue b/web/satellite/src/views/all-dashboard/components/MyProjects.vue
index 4d974e836..7734f8154 100644
--- a/web/satellite/src/views/all-dashboard/components/MyProjects.vue
+++ b/web/satellite/src/views/all-dashboard/components/MyProjects.vue
@@ -82,11 +82,12 @@
 </template>
 
 <script setup lang="ts">
-import { computed, ref } from 'vue';
+import { computed, onMounted, ref } from 'vue';
 
 import { Project, ProjectInvitation } from '@/types/projects';
 import { RouteConfig } from '@/types/router';
 import {
+    AnalyticsErrorEventSource,
     AnalyticsEvent,
 } from '@/utils/constants/analyticsEventNames';
 import { User } from '@/types/users';
@@ -97,6 +98,8 @@ import { useProjectsStore } from '@/store/modules/projectsStore';
 import { useConfigStore } from '@/store/modules/configStore';
 import { useResize } from '@/composables/resize';
 import { useAnalyticsStore } from '@/store/modules/analyticsStore';
+import { useBillingStore } from '@/store/modules/billingStore';
+import { useNotify } from '@/utils/hooks';
 
 import EmptyProjectItem from '@/views/all-dashboard/components/EmptyProjectItem.vue';
 import ProjectItem from '@/views/all-dashboard/components/ProjectItem.vue';
@@ -110,12 +113,14 @@ import RocketIcon from '@/../static/images/common/rocket.svg';
 import CardsIcon from '@/../static/images/common/cardsIcon.svg';
 import TableIcon from '@/../static/images/common/tableIcon.svg';
 
+const billingStore = useBillingStore();
 const appStore = useAppStore();
 const configStore = useConfigStore();
 const usersStore = useUsersStore();
 const projectsStore = useProjectsStore();
 const analyticsStore = useAnalyticsStore();
 
+const notify = useNotify();
 const { isMobile } = useResize();
 
 const content = ref<HTMLElement | null>(null);
@@ -169,6 +174,23 @@ function onCreateProjectClicked(): void {
         appStore.updateActiveModal(MODALS.createProjectPrompt);
     }
 }
+
+onMounted(async () => {
+    if (!configStore.state.config.nativeTokenPaymentsEnabled) {
+        return;
+    }
+
+    try {
+        await Promise.all([
+            billingStore.getBalance(),
+            billingStore.getProjectUsageAndChargesCurrentRollup(),
+            billingStore.getCreditCards(),
+            billingStore.getNativePaymentsHistory(),
+        ]);
+    } catch (error) {
+        notify.notifyError(error, AnalyticsErrorEventSource.ALL_PROJECT_DASHBOARD);
+    }
+});
 </script>
 
 <style scoped lang="scss">
diff --git a/web/satellite/src/views/dashboard/DashboardArea.vue b/web/satellite/src/views/dashboard/DashboardArea.vue
index 0157d3bda..d1678c479 100644
--- a/web/satellite/src/views/dashboard/DashboardArea.vue
+++ b/web/satellite/src/views/dashboard/DashboardArea.vue
@@ -437,13 +437,6 @@ onMounted(async () => {
         notify.notifyError(error, AnalyticsErrorEventSource.OVERALL_APP_WRAPPER_ERROR);
     }
 
-    try {
-        await billingStore.getCreditCards();
-    } catch (error) {
-        error.message = `Unable to get credit cards. ${error.message}`;
-        notify.notifyError(error, AnalyticsErrorEventSource.OVERALL_APP_WRAPPER_ERROR);
-    }
-
     try {
         await projectsStore.getUserInvitations();
     } catch (error) {
diff --git a/web/satellite/vuetify-poc/src/layouts/default/Default.vue b/web/satellite/vuetify-poc/src/layouts/default/Default.vue
index 3f9777cba..261687122 100644
--- a/web/satellite/vuetify-poc/src/layouts/default/Default.vue
+++ b/web/satellite/vuetify-poc/src/layouts/default/Default.vue
@@ -112,13 +112,6 @@ onBeforeMount(async () => {
         notify.notifyError(error, AnalyticsErrorEventSource.OVERALL_APP_WRAPPER_ERROR);
     }
 
-    try {
-        await billingStore.getCreditCards();
-    } catch (error) {
-        error.message = `Unable to get credit cards. ${error.message}`;
-        notify.notifyError(error, AnalyticsErrorEventSource.OVERALL_APP_WRAPPER_ERROR);
-    }
-
     await selectProject(route.params.projectId as string);
 
     if (!agStore.state.accessGrantsWebWorker) await agStore.startWorker();