diff --git a/src/libs/ReportUtils.ts b/src/libs/ReportUtils.ts
index e16c5c7abe56..4a9757858c13 100644
--- a/src/libs/ReportUtils.ts
+++ b/src/libs/ReportUtils.ts
@@ -1454,6 +1454,22 @@ function isMoneyRequestReport(reportOrID: OnyxInputOrEntry<Report> | string): bo
     return isIOUReport(report) || isExpenseReport(report);
 }
 
+/**
+ * Checks if a report contains only Non-Reimbursable transactions
+ */
+function hasOnlyNonReimbursableTransactions(iouReportID: string | undefined): boolean {
+    if (!iouReportID) {
+        return false;
+    }
+
+    const transactions = TransactionUtils.getAllReportTransactions(iouReportID);
+    if (!transactions || transactions.length === 0) {
+        return false;
+    }
+
+    return transactions.every((transaction) => !TransactionUtils.getReimbursable(transaction));
+}
+
 /**
  * Checks if a report has only one transaction associated with it
  */
@@ -1553,6 +1569,11 @@ function canAddOrDeleteTransactions(moneyRequestReport: OnyxEntry<Report>): bool
         return false;
     }
 
+    const policy = getPolicy(moneyRequestReport?.policyID);
+    if (PolicyUtils.isInstantSubmitEnabled(policy) && PolicyUtils.isSubmitAndClose(policy) && hasOnlyNonReimbursableTransactions(moneyRequestReport?.reportID)) {
+        return false;
+    }
+
     if (isReportApproved(moneyRequestReport) || isSettled(moneyRequestReport?.reportID)) {
         return false;
     }
@@ -7383,6 +7404,7 @@ export {
     getChatUsedForOnboarding,
     findPolicyExpenseChatByPolicyID,
     isIndividualInvoiceRoom,
+    hasOnlyNonReimbursableTransactions,
 };
 
 export type {
diff --git a/src/libs/TransactionUtils.ts b/src/libs/TransactionUtils.ts
index b28e5b782965..c8bfa316ca15 100644
--- a/src/libs/TransactionUtils.ts
+++ b/src/libs/TransactionUtils.ts
@@ -387,6 +387,13 @@ function getDistance(transaction: OnyxInputOrEntry<Transaction>): number {
     return transaction?.comment?.customUnit?.quantity ?? 0;
 }
 
+/**
+ * Return the reimbursable value. Defaults to true to match BE logic.
+ */
+function getReimbursable(transaction: Transaction): boolean {
+    return transaction?.reimbursable ?? true;
+}
+
 /**
  * Return the mccGroup field from the transaction, return the modifiedMCCGroup if present.
  */
@@ -878,6 +885,7 @@ export {
     isCustomUnitRateIDForP2P,
     getRateID,
     getTransaction,
+    getReimbursable,
 };
 
 export type {TransactionChanges};