diff --git a/CHANGELOG.md b/CHANGELOG.md
index 9aac848e00a4..f86a2748fdce 100644
--- a/CHANGELOG.md
+++ b/CHANGELOG.md
@@ -52,6 +52,7 @@ Every module contains its own CHANGELOG.md. Please refer to the module you are i
 
 ### Improvements
 
+* (crypto/ledger) [#22116](https://github.com/cosmos/cosmos-sdk/pull/22116) Improve error message when deriving paths using index >100
 * (sims) [#21613](https://github.com/cosmos/cosmos-sdk/pull/21613) Add sims2 framework and factory methods for simpler message factories in modules
 * (modules) [#21963](https://github.com/cosmos/cosmos-sdk/pull/21963) Duplicatable metrics are no more collected in modules. They were unecessary overhead.
 
diff --git a/crypto/ledger/ledger_secp256k1.go b/crypto/ledger/ledger_secp256k1.go
index 67dcc73981ab..3449d0bfd1b1 100644
--- a/crypto/ledger/ledger_secp256k1.go
+++ b/crypto/ledger/ledger_secp256k1.go
@@ -341,6 +341,12 @@ func getPubKeyUnsafe(device SECP256K1, path hd.BIP44Params) (types.PubKey, error
 func getPubKeyAddrSafe(device SECP256K1, path hd.BIP44Params, hrp string) (types.PubKey, string, error) {
 	publicKey, addr, err := device.GetAddressPubKeySECP256K1(path.DerivationPath(), hrp)
 	if err != nil {
+		// Check special case if user is trying to use an index > 100
+		if path.AddressIndex > 100 {
+			return nil, "", fmt.Errorf("%w: cannot derive paths where index > 100: %s "+
+				"This is a security measure to avoid very hard to find derivation paths introduced by a possible attacker. "+
+				"You can disable this by setting expert mode in your ledger device. Do this at your own risk", err, path)
+		}
 		return nil, "", fmt.Errorf("%w: address rejected for path %s", err, path)
 	}