diff --git a/pkg/util/config/crypto.go b/pkg/util/config/crypto.go
index 33fd245c3..a8974a56b 100644
--- a/pkg/util/config/crypto.go
+++ b/pkg/util/config/crypto.go
@@ -5,6 +5,7 @@ import (
 
 	"github.com/nspcc-dev/neo-go/pkg/crypto/keys"
 	"github.com/nspcc-dev/neo-go/pkg/encoding/address"
+	"github.com/nspcc-dev/neo-go/pkg/util"
 	"github.com/nspcc-dev/neo-go/pkg/wallet"
 )
 
@@ -17,9 +18,17 @@ func LoadAccount(path, addr, password string) (*wallet.Account, error) {
 
 	defer w.Close()
 
-	h, err := address.StringToUint160(addr)
-	if err != nil {
-		return nil, err
+	var h util.Uint160
+	if addr == "" {
+		h = w.GetChangeAddress()
+		if h.Equals(util.Uint160{}) {
+			return nil, errors.New("can't find a suitable account in the wallet")
+		}
+	} else {
+		h, err = address.StringToUint160(addr)
+		if err != nil {
+			return nil, err
+		}
 	}
 
 	acc := w.GetAccount(h)