diff --git a/.gitignore b/.gitignore
index 72733326..656f8900 100644
--- a/.gitignore
+++ b/.gitignore
@@ -5,3 +5,4 @@ _book
 .idea
 vendor
 .vscode
+.DS_Store
diff --git a/finisher_api.go b/finisher_api.go
index c52efdb8..c5eecda2 100644
--- a/finisher_api.go
+++ b/finisher_api.go
@@ -617,7 +617,9 @@ func (db *DB) Transaction(fc func(tx *DB) error, opts ...*sql.TxOptions) (err er
 
 	if committer, ok := db.Statement.ConnPool.(TxCommitter); ok && committer != nil {
 		// nested transaction
-		if !db.DisableNestedTransaction && (db.PrepareStmt && !db.DisablePrepareNestedTransaction) {
+		if !db.DisableNestedTransaction && (!db.PrepareStmt ||
+			(db.PrepareStmt && !db.DisablePrepareNestedTransaction)) {
+
 			err = db.SavePoint(fmt.Sprintf("sp%p", fc)).Error
 			if err != nil {
 				return