If the available balance on your current account differs to your actual balance then it could mean that you have a pending transaction on your account. A pending transaction is a payment which has been authorised and removed from your available funds but hasn't yet been charged to your account. This could be caused by a Visa payment or cheque which is still being processed.
If it's a Visa payment, the transaction has been authorised and removed from your available funds but hasn't yet been charged to your account. Until the payment has been charged, this amount will not show on your statement – this will usually happen within 7 days of the transaction.
If it's a cheque, it will show on your statement as paid in on the day it is deposited in the account, but can take some time to clear. Whilst it's clearing, it will show in your account balance but will not be part of your available balance. To know exactly when your cheque will clear and become available, you can use our cheque clearance calculator.
So for example, if your available balance is £100, and your actual balance is £110, then you currently have a pending payment of £10 waiting to be charged to your account. This could be made up of any number of Visa transactions made within the last 7 days that are not on your statement, or any cheques paid in recently.