diff --git a/token/client/src/token.rs b/token/client/src/token.rs
index d09ca78a8b7..1f41aa31b80 100644
--- a/token/client/src/token.rs
+++ b/token/client/src/token.rs
@@ -913,17 +913,41 @@ where
         let signing_pubkeys = signing_keypairs.pubkeys();
         let multisig_signers = self.get_multisig_signers(authority, &signing_pubkeys);
 
-        let mut instruction = if let Some(decimals) = self.decimals {
-            instruction::transfer_checked(
-                &self.program_id,
-                source,
-                &self.pubkey,
-                destination,
-                authority,
-                &multisig_signers,
-                amount,
-                decimals,
-            )?
+        let fetch_account_data_fn = |address| {
+            self.client
+                .get_account(address)
+                .map_ok(|opt| opt.map(|acc| acc.data))
+        };
+
+        let instruction = if let Some(decimals) = self.decimals {
+            if let Some(transfer_hook_accounts) = &self.transfer_hook_accounts {
+                let mut instruction = instruction::transfer_checked(
+                    &self.program_id,
+                    source,
+                    self.get_address(),
+                    destination,
+                    authority,
+                    &multisig_signers,
+                    amount,
+                    decimals,
+                )?;
+                instruction.accounts.extend(transfer_hook_accounts.clone());
+                instruction
+            } else {
+                offchain::create_transfer_checked_instruction_with_extra_metas(
+                    &self.program_id,
+                    source,
+                    self.get_address(),
+                    destination,
+                    authority,
+                    &multisig_signers,
+                    amount,
+                    decimals,
+                    fetch_account_data_fn,
+                )
+                .await
+                .map_err(|_| TokenError::AccountNotFound)?
+            }
         } else {
             #[allow(deprecated)]
             instruction::transfer(
@@ -935,22 +959,6 @@ where
                 amount,
             )?
         };
-        if let Some(transfer_hook_accounts) = &self.transfer_hook_accounts {
-            instruction.accounts.extend(transfer_hook_accounts.clone());
-        } else {
-            #[allow(deprecated)]
-            offchain::resolve_extra_transfer_account_metas(
-                &mut instruction,
-                |address| {
-                    self.client
-                        .get_account(address)
-                        .map_ok(|opt| opt.map(|acc| acc.data))
-                },
-                self.get_address(),
-            )
-            .await
-            .map_err(|_| TokenError::AccountNotFound)?;
-        };
 
         self.process_ixs(&[instruction], signing_keypairs).await
     }