diff --git a/lib/trust_level_repo.rb b/lib/trust_level_repo.rb
index 61e9925483a5e835e7a7494163362b2aee62a7b2..74fbecbc8df820f3f34e4e97529ceff49647b264 100644
--- a/lib/trust_level_repo.rb
+++ b/lib/trust_level_repo.rb
@@ -27,7 +27,7 @@ protected
 
 	def fetch_settled_amount(customer_id)
 		db.query_one(<<~SQL, customer_id, default: {})
-			SELECT SUM(amount) AS settled_amount FROM transactions
+			SELECT COALESCE(SUM(amount), 0) AS settled_amount FROM transactions
 			WHERE customer_id=$1 AND settled_after < LOCALTIMESTAMP AND amount > 0
 		SQL
 	end