diff --git a/assets/images/credit-card-hourglass.svg b/assets/images/credit-card-hourglass.svg
new file mode 100644
index 000000000000..2acd013fbe59
--- /dev/null
+++ b/assets/images/credit-card-hourglass.svg
@@ -0,0 +1,19 @@
+<?xml version="1.0" encoding="utf-8"?>
+<!-- Generator: Adobe Illustrator 28.3.0, SVG Export Plug-In . SVG Version: 6.00 Build 0)  -->
+<svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px"
+	 viewBox="0 0 20 20" style="enable-background:new 0 0 20 20;" xml:space="preserve">
+<style type="text/css">
+	.st0{fill-rule:evenodd;clip-rule:evenodd;}
+</style>
+<path d="M1.5,3C0.672,3,0,3.672,0,4.5v1C0,5.776,0.224,6,0.5,6h19C19.776,6,20,5.776,20,5.5v-1C20,3.672,19.328,3,18.5,3H1.5z"/>
+<path d="M0.5,8C0.224,8,0,8.224,0,8.5v7C0,16.328,0.672,17,1.5,17h11.817c0.088-0.175,0.193-0.342,0.314-0.499L14.022,16
+	l-0.39-0.501C13.222,14.972,13,14.324,13,13.657V12.25c0-1.243,1.007-2.25,2.25-2.25h4.389c0.123,0,0.243,0.01,0.361,0.029V8.5
+	C20,8.224,19.776,8,19.5,8H0.5z"/>
+<path class="st0" d="M15,13.657V13c0-0.036,0.002-0.073,0.006-0.108l-0.001-0.002l-0.002-0.001L15,12.886V12.25
+	c0-0.138,0.112-0.25,0.25-0.25h4.389c0.138,0,0.25,0.112,0.25,0.25v0.636l-0.003,0.003l-0.003,0.003
+	c0.004,0.035,0.006,0.071,0.006,0.108v0.657c0,0.222-0.074,0.438-0.211,0.614l-0.867,1.115c-0.281,0.361-0.281,0.867,0,1.228
+	l0.867,1.115c0.137,0.175,0.211,0.392,0.211,0.614v1.407c0,0.138-0.112,0.25-0.25,0.25H15.25C15.112,20,15,19.888,15,19.75v-1.407
+	c0-0.222,0.074-0.438,0.211-0.614l0.867-1.115c0.281-0.361,0.281-0.867,0-1.228l-0.867-1.115C15.074,14.095,15,13.879,15,13.657z
+	 M18.494,12.889H16.39c-0.428,0-0.658,0.502-0.379,0.826l1.052,1.223c0.199,0.232,0.559,0.232,0.758,0l1.052-1.223
+	C19.153,13.391,18.922,12.889,18.494,12.889z"/>
+</svg>
diff --git a/assets/images/receipt-scan.svg b/assets/images/receipt-scan.svg
index ecdf3cf2e115..c93986de3c9b 100644
--- a/assets/images/receipt-scan.svg
+++ b/assets/images/receipt-scan.svg
@@ -1,5 +1,5 @@
 <?xml version="1.0" encoding="utf-8"?>
-<!-- Generator: Adobe Illustrator 28.1.0, SVG Export Plug-In . SVG Version: 6.00 Build 0)  -->
+<!-- Generator: Adobe Illustrator 28.3.0, SVG Export Plug-In . SVG Version: 6.00 Build 0)  -->
 <svg version="1.1" id="Layer_1" xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" x="0px" y="0px"
 	 viewBox="0 0 20 20" style="enable-background:new 0 0 20 20;" xml:space="preserve">
 <path d="M3,1.364V7h14V1.364c0-0.372-0.458-0.545-0.701-0.265l-0.748,0.861c-0.159,0.184-0.443,0.184-0.602,0l-1.148-1.322
diff --git a/src/components/Icon/Expensicons.ts b/src/components/Icon/Expensicons.ts
index 74dbf8622a24..c147c3735e96 100644
--- a/src/components/Icon/Expensicons.ts
+++ b/src/components/Icon/Expensicons.ts
@@ -44,6 +44,7 @@ import Concierge from '@assets/images/concierge.svg';
 import Connect from '@assets/images/connect.svg';
 import ConnectionComplete from '@assets/images/connection-complete.svg';
 import Copy from '@assets/images/copy.svg';
+import CreditCardHourglass from '@assets/images/credit-card-hourglass.svg';
 import CreditCard from '@assets/images/creditcard.svg';
 import DocumentPlus from '@assets/images/document-plus.svg';
 import DocumentSlash from '@assets/images/document-slash.svg';
@@ -207,6 +208,7 @@ export {
     ConnectionComplete,
     Copy,
     CreditCard,
+    CreditCardHourglass,
     DeletedRoomAvatar,
     Document,
     DocumentSlash,
diff --git a/src/components/MoneyRequestHeader.tsx b/src/components/MoneyRequestHeader.tsx
index 4616cb972a83..6680ac88dfe9 100644
--- a/src/components/MoneyRequestHeader.tsx
+++ b/src/components/MoneyRequestHeader.tsx
@@ -3,6 +3,7 @@ import {View} from 'react-native';
 import {withOnyx} from 'react-native-onyx';
 import type {OnyxEntry} from 'react-native-onyx';
 import useLocalize from '@hooks/useLocalize';
+import useTheme from '@hooks/useTheme';
 import useThemeStyles from '@hooks/useThemeStyles';
 import useWindowDimensions from '@hooks/useWindowDimensions';
 import * as HeaderUtils from '@libs/HeaderUtils';
@@ -10,6 +11,7 @@ import Navigation from '@libs/Navigation/Navigation';
 import * as ReportActionsUtils from '@libs/ReportActionsUtils';
 import * as ReportUtils from '@libs/ReportUtils';
 import * as TransactionUtils from '@libs/TransactionUtils';
+import variables from '@styles/variables';
 import * as IOU from '@userActions/IOU';
 import CONST from '@src/CONST';
 import ONYXKEYS from '@src/ONYXKEYS';
@@ -18,6 +20,7 @@ import type {Policy, Report, ReportAction, ReportActions, Session, Transaction}
 import type {OriginalMessageIOU} from '@src/types/onyx/OriginalMessage';
 import ConfirmModal from './ConfirmModal';
 import HeaderWithBackButton from './HeaderWithBackButton';
+import Icon from './Icon';
 import * as Expensicons from './Icon/Expensicons';
 import MoneyRequestHeaderStatusBar from './MoneyRequestHeaderStatusBar';
 import ProcessMoneyRequestHoldMenu from './ProcessMoneyRequestHoldMenu';
@@ -69,6 +72,7 @@ function MoneyRequestHeader({
     onBackButtonPress,
 }: MoneyRequestHeaderProps) {
     const styles = useThemeStyles();
+    const theme = useTheme();
     const {translate} = useLocalize();
     const [isDeleteModalVisible, setIsDeleteModalVisible] = useState(false);
     const [shouldShowHoldMenu, setShouldShowHoldMenu] = useState(false);
@@ -197,16 +201,30 @@ function MoneyRequestHeader({
                 />
                 {isPending && (
                     <MoneyRequestHeaderStatusBar
-                        title={translate('iou.pending')}
-                        description={translate('iou.transactionPendingText')}
+                        title={
+                            <Icon
+                                src={Expensicons.CreditCardHourglass}
+                                height={variables.iconSizeSmall}
+                                width={variables.iconSizeSmall}
+                                fill={theme.icon}
+                            />
+                        }
+                        description={translate('iou.transactionPendingDescription')}
                         shouldShowBorderBottom={!isScanning}
                     />
                 )}
                 {isScanning && (
                     <MoneyRequestHeaderStatusBar
-                        title={translate('iou.receiptStatusTitle')}
-                        description={translate('iou.receiptStatusText')}
-                        shouldShowBorderBottom={!isOnHold}
+                        title={
+                            <Icon
+                                src={Expensicons.ReceiptScan}
+                                height={variables.iconSizeSmall}
+                                width={variables.iconSizeSmall}
+                                fill={theme.icon}
+                            />
+                        }
+                        description={translate('iou.receiptScanInProgressDescription')}
+                        shouldShowBorderBottom
                     />
                 )}
                 {isOnHold && (
diff --git a/src/components/MoneyRequestHeaderStatusBar.tsx b/src/components/MoneyRequestHeaderStatusBar.tsx
index 70d1d7f83f94..b7bba0223656 100644
--- a/src/components/MoneyRequestHeaderStatusBar.tsx
+++ b/src/components/MoneyRequestHeaderStatusBar.tsx
@@ -1,3 +1,4 @@
+import type {ReactNode} from 'react';
 import React from 'react';
 import {View} from 'react-native';
 import useThemeStyles from '@hooks/useThemeStyles';
@@ -6,7 +7,7 @@ import Text from './Text';
 
 type MoneyRequestHeaderStatusBarProps = {
     /** Title displayed in badge */
-    title: string;
+    title: string | ReactNode;
 
     /** Banner Description */
     description: string;
@@ -35,13 +36,17 @@ function MoneyRequestHeaderStatusBar({title, description, shouldShowBorderBottom
                 styles.headerStatusBarContainer,
             ]}
         >
-            <View style={[styles.mr3]}>
-                <Badge
-                    text={title}
-                    badgeStyles={styles.ml0}
-                    error={danger}
-                />
-            </View>
+            {typeof title === 'string' ? (
+                <View style={[styles.mr3]}>
+                    <Badge
+                        text={title}
+                        badgeStyles={styles.ml0}
+                        error={danger}
+                    />
+                </View>
+            ) : (
+                <View style={styles.mr2}>{title}</View>
+            )}
             <View style={[styles.flexShrink1]}>
                 <Text style={[styles.textLabelSupporting]}>{description}</Text>
             </View>
diff --git a/src/components/ReportActionItem/MoneyRequestPreview/MoneyRequestPreviewContent.tsx b/src/components/ReportActionItem/MoneyRequestPreview/MoneyRequestPreviewContent.tsx
index 33bb67605ecf..45893de809df 100644
--- a/src/components/ReportActionItem/MoneyRequestPreview/MoneyRequestPreviewContent.tsx
+++ b/src/components/ReportActionItem/MoneyRequestPreview/MoneyRequestPreviewContent.tsx
@@ -6,6 +6,7 @@ import type {GestureResponderEvent} from 'react-native';
 import ConfirmedRoute from '@components/ConfirmedRoute';
 import Icon from '@components/Icon';
 import * as Expensicons from '@components/Icon/Expensicons';
+import {ReceiptScan} from '@components/Icon/Expensicons';
 import MoneyRequestSkeletonView from '@components/MoneyRequestSkeletonView';
 import MultipleAvatars from '@components/MultipleAvatars';
 import OfflineWithFeedback from '@components/OfflineWithFeedback';
@@ -28,6 +29,7 @@ import * as ReportActionsUtils from '@libs/ReportActionsUtils';
 import * as ReportUtils from '@libs/ReportUtils';
 import * as TransactionUtils from '@libs/TransactionUtils';
 import ViolationsUtils from '@libs/Violations/ViolationsUtils';
+import variables from '@styles/variables';
 import * as PaymentMethods from '@userActions/PaymentMethods';
 import * as Report from '@userActions/Report';
 import CONST from '@src/CONST';
@@ -82,6 +84,7 @@ function MoneyRequestPreviewContent({
     const requestMerchant = truncate(merchant, {length: CONST.REQUEST_PREVIEW.MAX_LENGTH});
     const hasReceipt = TransactionUtils.hasReceipt(transaction);
     const isScanning = hasReceipt && TransactionUtils.isReceiptBeingScanned(transaction);
+    const isPending = TransactionUtils.isPending(transaction);
     const isOnHold = TransactionUtils.isOnHold(transaction);
     const isSettlementOrApprovalPartial = Boolean(iouReport?.pendingFields?.partial);
     const isPartialHold = isSettlementOrApprovalPartial && isOnHold;
@@ -142,14 +145,6 @@ function MoneyRequestPreviewContent({
             message = translate('iou.split');
         }
 
-        if (isCardTransaction) {
-            message = translate('iou.card');
-            if (TransactionUtils.isPending(transaction)) {
-                message += ` ${CONST.DOT_SEPARATOR} ${translate('iou.pending')}`;
-                return message;
-            }
-        }
-
         if (isSettled && !iouReport?.isCancelledIOU && !isPartialHold) {
             message += ` ${CONST.DOT_SEPARATOR} ${getSettledMessage()}`;
             return message;
@@ -181,8 +176,6 @@ function MoneyRequestPreviewContent({
             message += ` • ${translate('violations.reviewRequired')}`;
         } else if (ReportUtils.isPaidGroupPolicyExpenseReport(iouReport) && ReportUtils.isReportApproved(iouReport) && !ReportUtils.isSettled(iouReport?.reportID) && !isPartialHold) {
             message += ` ${CONST.DOT_SEPARATOR} ${translate('iou.approved')}`;
-        } else if (iouReport?.isWaitingOnBankAccount) {
-            message += ` ${CONST.DOT_SEPARATOR} ${translate('iou.pending')}`;
         } else if (iouReport?.isCancelledIOU) {
             message += ` ${CONST.DOT_SEPARATOR} ${translate('iou.canceled')}`;
         } else if (!(isSettled && !isSettlementOrApprovalPartial) && isOnHold) {
@@ -319,6 +312,28 @@ function MoneyRequestPreviewContent({
                                                 </Text>
                                             )}
                                         </View>
+                                        {isScanning && (
+                                            <View style={[styles.flexRow, styles.alignItemsCenter, styles.mt2]}>
+                                                <Icon
+                                                    src={ReceiptScan}
+                                                    height={variables.iconSizeExtraSmall}
+                                                    width={variables.iconSizeExtraSmall}
+                                                    fill={theme.textSupporting}
+                                                />
+                                                <Text style={[styles.textMicroSupporting, styles.ml1, styles.amountSplitPadding]}>{translate('iou.receiptScanInProgress')}</Text>
+                                            </View>
+                                        )}
+                                        {isPending && (
+                                            <View style={[styles.flexRow, styles.alignItemsCenter, styles.mt2]}>
+                                                <Icon
+                                                    src={Expensicons.CreditCardHourglass}
+                                                    height={variables.iconSizeExtraSmall}
+                                                    width={variables.iconSizeExtraSmall}
+                                                    fill={theme.textSupporting}
+                                                />
+                                                <Text style={[styles.textMicroSupporting, styles.ml1, styles.amountSplitPadding]}>{translate('iou.transactionPending')}</Text>
+                                            </View>
+                                        )}
                                     </View>
                                 </View>
                             </View>
diff --git a/src/components/ReportActionItem/MoneyRequestView.tsx b/src/components/ReportActionItem/MoneyRequestView.tsx
index 9b7bfb2c2f17..8da120dfdf30 100644
--- a/src/components/ReportActionItem/MoneyRequestView.tsx
+++ b/src/components/ReportActionItem/MoneyRequestView.tsx
@@ -221,9 +221,6 @@ function MoneyRequestView({
         if (formattedOriginalAmount) {
             amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.original')} ${formattedOriginalAmount}`;
         }
-        if (TransactionUtils.isPending(transaction)) {
-            amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.pending')}`;
-        }
         if (isCancelled) {
             amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.canceled')}`;
         }
@@ -236,9 +233,7 @@ function MoneyRequestView({
         } else if (isCancelled) {
             amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.canceled')}`;
         } else if (isSettled) {
-            amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.settledExpensify')}`;
-        } else if (report.isWaitingOnBankAccount) {
-            amountDescription += ` ${CONST.DOT_SEPARATOR} ${translate('iou.pending')}`;
+            amountDescription += ` • ${translate('iou.settledExpensify')}`;
         }
     }
 
diff --git a/src/components/ReportActionItem/ReportPreview.tsx b/src/components/ReportActionItem/ReportPreview.tsx
index 54f9f1aa081f..9c5821329e1c 100644
--- a/src/components/ReportActionItem/ReportPreview.tsx
+++ b/src/components/ReportActionItem/ReportPreview.tsx
@@ -24,6 +24,7 @@ import * as ReportActionUtils from '@libs/ReportActionsUtils';
 import * as ReportUtils from '@libs/ReportUtils';
 import * as TransactionUtils from '@libs/TransactionUtils';
 import type {ContextMenuAnchor} from '@pages/home/report/ContextMenu/ReportActionContextMenu';
+import variables from '@styles/variables';
 import * as IOU from '@userActions/IOU';
 import CONST from '@src/CONST';
 import type {TranslationPaths} from '@src/languages/types';
@@ -134,6 +135,7 @@ function ReportPreview({
 
     const hasReceipts = transactionsWithReceipts.length > 0;
     const isScanning = hasReceipts && areAllRequestsBeingSmartScanned;
+
     // eslint-disable-next-line @typescript-eslint/prefer-nullish-coalescing
     const hasErrors = hasMissingSmartscanFields || (canUseViolations && ReportUtils.hasViolations(iouReportID, transactionViolations)) || ReportUtils.hasActionsWithErrors(iouReportID);
     const lastThreeTransactionsWithReceipts = transactionsWithReceipts.slice(-3);
@@ -224,6 +226,8 @@ function ReportPreview({
     const shouldShowSingleRequestMerchantOrDescription =
         numberOfRequests === 1 && (!!formattedMerchant || !!formattedDescription) && !(hasOnlyTransactionsWithPendingRoutes && !totalDisplaySpend);
     const shouldShowSubtitle = !isScanning && (shouldShowSingleRequestMerchantOrDescription || numberOfRequests > 1);
+    const shouldShowScanningSubtitle = numberOfScanningReceipts === 1 && numberOfRequests === 1;
+    const shouldShowPendingSubtitle = numberOfPendingRequests === 1 && numberOfRequests === 1;
 
     const {supportText} = useMemo(() => {
         if (formattedMerchant) {
@@ -310,6 +314,28 @@ function ReportPreview({
                                                 </View>
                                             </View>
                                         )}
+                                        {shouldShowScanningSubtitle && (
+                                            <View style={[styles.flexRow, styles.alignItemsCenter, styles.mt2]}>
+                                                <Icon
+                                                    src={Expensicons.ReceiptScan}
+                                                    height={variables.iconSizeExtraSmall}
+                                                    width={variables.iconSizeExtraSmall}
+                                                    fill={theme.icon}
+                                                />
+                                                <Text style={[styles.textMicroSupporting, styles.ml1, styles.amountSplitPadding]}>{translate('iou.receiptScanInProgress')}</Text>
+                                            </View>
+                                        )}
+                                        {shouldShowPendingSubtitle && (
+                                            <View style={[styles.flexRow, styles.alignItemsCenter, styles.mt2]}>
+                                                <Icon
+                                                    src={Expensicons.CreditCardHourglass}
+                                                    height={variables.iconSizeExtraSmall}
+                                                    width={variables.iconSizeExtraSmall}
+                                                    fill={theme.icon}
+                                                />
+                                                <Text style={[styles.textMicroSupporting, styles.ml1, styles.amountSplitPadding]}>{translate('iou.transactionPending')}</Text>
+                                            </View>
+                                        )}
                                     </View>
                                 </View>
                                 {shouldShowSettlementButton && (
diff --git a/src/languages/en.ts b/src/languages/en.ts
index a822e1c5c3c8..d2979df108da 100755
--- a/src/languages/en.ts
+++ b/src/languages/en.ts
@@ -645,17 +645,19 @@ export default {
         canceled: 'Canceled',
         posted: 'Posted',
         deleteReceipt: 'Delete receipt',
+        receiptScanning: 'Receipt scanning...',
+        receiptScanInProgress: 'Receipt scan in progress.',
+        receiptScanInProgressDescription: 'Receipt scan in progress. Check back later or enter the details now.',
         receiptIssuesFound: (count: number) => `${count === 1 ? 'Issue' : 'Issues'} found`,
         fieldPending: 'Pending...',
         defaultRate: 'Default rate',
-        receiptScanning: 'Scan in progress…',
         receiptMissingDetails: 'Receipt missing details',
         missingAmount: 'Missing amount',
         missingMerchant: 'Missing merchant',
         receiptStatusTitle: 'Scanning…',
         receiptStatusText: "Only you can see this receipt when it's scanning. Check back later or enter the details now.",
         receiptScanningFailed: 'Receipt scanning failed. Enter the details manually.',
-        transactionPendingText: 'It takes a few days from the date the card was used for the transaction to post.',
+        transactionPendingDescription: 'Transaction pending. It can take a few days from the date the card was used for the transaction to post.',
         expenseCount: ({count, scanningReceipts = 0, pendingReceipts = 0}: RequestCountParams) =>
             `${count} ${Str.pluralize('expense', 'expenses', count)}${scanningReceipts > 0 ? `, ${scanningReceipts} scanning` : ''}${
                 pendingReceipts > 0 ? `, ${pendingReceipts} pending` : ''
@@ -757,6 +759,7 @@ export default {
         set: 'set',
         changed: 'changed',
         removed: 'removed',
+        transactionPending: 'Transaction pending.',
         chooseARate: ({unit}: ReimbursementRateParams) => `Select a workspace reimbursement rate per ${unit}`,
     },
     notificationPreferencesPage: {
diff --git a/src/languages/es.ts b/src/languages/es.ts
index b2f02708bbe2..e95d6d788178 100644
--- a/src/languages/es.ts
+++ b/src/languages/es.ts
@@ -640,15 +640,17 @@ export default {
         deleteReceipt: 'Eliminar recibo',
         receiptIssuesFound: (count: number) => `${count === 1 ? 'Problema encontrado' : 'Problemas encontrados'}`,
         fieldPending: 'Pendiente...',
+        receiptScanning: 'Escaneando recibo...',
+        receiptScanInProgress: 'Escaneado de recibo en proceso.',
+        receiptScanInProgressDescription: 'Escaneado de recibo en proceso. Vuelva a comprobar más tarde o introduzca los detalles ahora.',
         defaultRate: 'Tasa predeterminada',
-        receiptScanning: 'Escaneo en curso…',
         receiptMissingDetails: 'Recibo con campos vacíos',
         missingAmount: 'Falta importe',
         missingMerchant: 'Falta comerciante',
         receiptStatusTitle: 'Escaneando…',
         receiptStatusText: 'Solo tú puedes ver este recibo cuando se está escaneando. Vuelve más tarde o introduce los detalles ahora.',
         receiptScanningFailed: 'El escaneo de recibo ha fallado. Introduce los detalles manualmente.',
-        transactionPendingText: 'La transacción tarda unos días en contabilizarse desde la fecha en que se utilizó la tarjeta.',
+        transactionPendingDescription: 'Transacción pendiente. La transacción tarda unos días en contabilizarse desde la fecha en que se utilizó la tarjeta.',
         expenseCount: ({count, scanningReceipts = 0, pendingReceipts = 0}: RequestCountParams) =>
             `${count} ${Str.pluralize('gasto', 'gastos', count)}${scanningReceipts > 0 ? `, ${scanningReceipts} escaneando` : ''}${
                 pendingReceipts > 0 ? `, ${pendingReceipts} pendiente` : ''
@@ -752,6 +754,7 @@ export default {
         set: 'estableció',
         changed: 'cambió',
         removed: 'eliminó',
+        transactionPending: 'Transacción pendiente.',
         chooseARate: ({unit}: ReimbursementRateParams) => `Seleccione una tasa de reembolso del espacio de trabajo por ${unit}`,
     },
     notificationPreferencesPage: {
diff --git a/src/pages/home/report/ReportActionItem.tsx b/src/pages/home/report/ReportActionItem.tsx
index d8b1bc774de0..ae62cac87d7e 100644
--- a/src/pages/home/report/ReportActionItem.tsx
+++ b/src/pages/home/report/ReportActionItem.tsx
@@ -919,12 +919,15 @@ function ReportActionItem({
 
     const hasErrors = !isEmptyObject(action.errors);
     const whisperedTo = ReportActionsUtils.getWhisperedTo(action);
-    const isWhisper = whisperedTo.length > 0;
     const isMultipleParticipant = whisperedTo.length > 1;
-    const isWhisperOnlyVisibleByUser = isWhisper && ReportUtils.isCurrentUserTheOnlyParticipant(whisperedTo);
+
+    const iouReportID = isIOUReport(action) && action.originalMessage.IOUReportID ? action.originalMessage.IOUReportID.toString() : '0';
+    const transactionsWithReceipts = ReportUtils.getTransactionsWithReceipts(iouReportID);
+    const isWhisper = whisperedTo.length > 0 && transactionsWithReceipts.length === 0 && !action.pendingAction;
     const whisperedToPersonalDetails = isWhisper
         ? (Object.values(personalDetails ?? {}).filter((details) => whisperedTo.includes(details?.accountID ?? -1)) as OnyxTypes.PersonalDetails[])
         : [];
+    const isWhisperOnlyVisibleByUser = isWhisper && ReportUtils.isCurrentUserTheOnlyParticipant(whisperedTo);
     const displayNamesWithTooltips = isWhisper ? ReportUtils.getDisplayNamesWithTooltips(whisperedToPersonalDetails, isMultipleParticipant) : [];
 
     return (