diff --git a/cmd/admin-handlers.go b/cmd/admin-handlers.go
index 074591057..d55923275 100644
--- a/cmd/admin-handlers.go
+++ b/cmd/admin-handlers.go
@@ -979,6 +979,24 @@ func (adminAPI adminAPIHandlers) SetConfigHandler(w http.ResponseWriter, r *http
 		return
 	}
 
+	var config serverConfigV19
+	err = json.Unmarshal(configBytes, &config)
+
+	if err != nil {
+		errorIf(err, "Failed to unmarshal config from request body.")
+		writeErrorResponse(w, toAPIErrorCode(err), r.URL)
+		return
+	}
+
+	if globalIsEnvCreds {
+		creds := serverConfig.GetCredential()
+		if config.Credential.AccessKey != creds.AccessKey ||
+			config.Credential.SecretKey != creds.SecretKey {
+			writeErrorResponse(w, ErrAdminCredentialsMismatch, r.URL)
+			return
+		}
+	}
+
 	// Write config received from request onto a temporary file on
 	// all nodes.
 	tmpFileName := fmt.Sprintf(minioConfigTmpFormat, mustGetUUID())
diff --git a/cmd/api-errors.go b/cmd/api-errors.go
index 3394e9a26..b7a95d7a3 100644
--- a/cmd/api-errors.go
+++ b/cmd/api-errors.go
@@ -153,6 +153,7 @@ const (
 	ErrAdminInvalidAccessKey
 	ErrAdminInvalidSecretKey
 	ErrAdminConfigNoQuorum
+	ErrAdminCredentialsMismatch
 	ErrInsecureClientRequest
 )
 
@@ -633,6 +634,11 @@ var errorCodeResponse = map[APIErrorCode]APIError{
 		Description:    "Configuration update failed because server quorum was not met",
 		HTTPStatusCode: http.StatusServiceUnavailable,
 	},
+	ErrAdminCredentialsMismatch: {
+		Code:           "XMinioAdminCredentialsMismatch",
+		Description:    "Credentials in config mismatch with server environment variables",
+		HTTPStatusCode: http.StatusServiceUnavailable,
+	},
 	ErrInsecureClientRequest: {
 		Code:           "XMinioInsecureClientRequest",
 		Description:    "Cannot respond to plain-text request from TLS-encrypted server",