The absolute minimum balance for every active Stellar account is 1 XLM, therefore when making a payment you should make sure to leave at least 1 lumen in your account.
When activating your account with the initial payment, we recommend sending or buying at least 5 XLM to make sure you have enough to use LOBSTR app without any Stellar network restrictions.
Minimum balances help protect the network from spam account creation. Following the Stellar Network protocol, each new held asset (trustline), signer or active trade offer requires an additional 0.5 XLM reserve.
Sponsored Reserves also affect the minimum account balance and are reflected by the # of sponsoring entries and # of sponsored entries.
For example, an account with 1 trustline and 2 offers would have a minimum balance of 2.5 lumens:
1 XLM account min balance + 0.5 XLM base reserve * (3 entries + 1 sponsoring entry - 1 sponsored entry) = 2.5 total XLM reserve.
- Data entries
Make sure your Stellar account has enough XLM to cover a maximum Stellar network fee (enforced by the Stellar network, not LOBSTR).
What are the fees for a transaction?