What makes up my available balance?
Available balance is the amount of money in your account available to you right now. It is made up of:
- Current balance
- Less debit card transactions that have been authorised or pre-authorised (where the final transaction amount is not known upfront), but not yet debited your account.
Examples of pre-authorised transactions include where you have given a debit card pre-authorisation for a hire car or hotel room.
The available balance will not include any arranged overdraft facility.
We cannot dispute a pending transaction on your behalf
Whilst we can look into a pending transaction that you don't recognise or one that's potentially fraudulent, if you recognise a transaction, but there’s a different problem, talk to the company you paid first – if they can’t or won’t put it right, get in touch with us once the payment has gone through.