In some instances, we may authorise your card transaction but the merchant may not process the transaction immediately. If you allow a merchant to use your card for pre-authorised payments, things like a security deposit for a hotel booking or car hire, expect to wait up to 7 days for your available balance to be adjusted. What is a pending transaction Transactions requiring authorisation by another person on your account Payments or transfers that have been authorised but not. Pending transactions generally take three to five business days to process. But many pending charges are temporary and only there to block an amount to insure a purchase can be completed. If you want to know how much money you have available in your account look at your available funds. The amount marked as pending is deducted from the available funds not your account balance. This is because the money has been reserved, ready for the company to take, but hasn’t.

It’ll reduce your available balance, but not your account balance. When you use your debit card to pay for something, it’ll show up straightaway in your account as a pending transaction. The transaction amount is then deducted from your available funds and the transaction shows as pending on your account until the payment process is complete. Pending transactions can be debit card payments you’ve made. When a transaction is authorised it is confirming to the merchant your card is valid and there’s money in your account to pay for what you’re buying. Here's some information to help you understand pending transactions and the steps to raise a dispute. This can cause some confusion as you may think that a payment hasn’t been successful, or you might have been charged for something twice. Payments, cash withdrawals or deposits can sometimes appear as pending on your account until the transaction is fully processed.

The difference may be due to a pending transaction. Have you noticed a difference between your account balance and your available funds?

Pending transactions and how they work What are pending transactions?