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It’s normal for your account balance and available balance to be different. This is usually because we expect a transaction, like a cheque or debit card payment to go into or out of your current account within the next 7 days.

Debit card payments can make your available balance lower

When you use your debit card to pay for something, it shows up straightaway in your current account as a pending transaction. This reduces the available balance, but not your account balance. That’s because it hasn’t left your account yet. The money is reserved, ready for the company to take.

A cheque you’ve paid in will make your account balance higher

Whilst your balance is higher, the money won’t be available until the cheque has cleared.

You can see your pending debit card transactions in the Banking app

  1. Log in to the Banking app
  2. Tap on the account you’d like to view
  3. Tap View pending transactions


You can check your account balance and available balance in the Internet Bank, but you won't be able to see your pending transactions.

Don't use our Banking app?

If you don’t use our Banking app or would just like some help figuring things out, please call us or pop into your nearest branch with some ID.

Call us

Available 24/7

UK: 0800 30 20 11


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