How do pending transactions affect my balance?
Last updated 12 May 2017
Some card transactions will appear as pending on your account until the payment is fully processed. Generally it takes about 3 to 5 business days to process a transaction, although it can take up to 10 business days. For pre-authorisations (e.g security deposits for hotels or car rentals), this can be up to 31 days. As we show two balances for your accounts; available funds balance and account balance, we’ll explain how pending transactions affect each:
Pending transactions only affect your available funds. While the transaction is pending, the transaction amount is deducted from your available funds.
Your account balance is not affected by a pending transaction; it only changes once the payment is fully processed.