What balances can I see on the mobile app?

Account Balance shows how much money you have in your account at the start of the business day. This does not include pending transactions.

Overdraft Limit is is your arranged overdraft limit (if you have one).

Balance including pending transactions shows your own money with pending transactions deducted. This is one part of what was previously called your ‘available balance'.

Overdraft Remaining is the remaining amount of your arranged overdraft (if you have one). This is the other part of what was previously called your 'available balance'.

Your balances for all other accounts, such as savings, loans and mortgages are unchanged.

Pending transactions

Pending transactions are transactions you have made with your debit card which are waiting to be deducted from your account. The merchant normally tells us about your transaction as soon as it happens and we set aside those funds by taking them off your balance to make sure you don’t spend the money again.

However, this process can occasionally be delayed if the merchant takes longer to notify us. This is what is called a ‘pending transaction’ and you will see this reflected in your ‘Balance Including Pending Transactions’. The transaction normally completes in full a day or two later when it will then also be reflected in your ‘Account Balance’.

Occasionally you won’t see a debit card payment as a pending transaction. This can be down to timing or where the merchant has not been able to contact us immediately because you have made an ‘offline’ transaction. These are usually on planes, boats, trains or for parking or tolls so it’s important you always ensure you have enough funds in your account before making a transaction.