Why are my account balance and available balance different?

It’s normal for your account balance and available balance to be different. It’s usually because of a pending transaction that we expect to go into or out of your account within the next 7 days – for example a debit card payment or a cheque you’ve paid in.

Debit card payments can make your available balance lower

When you use your debit card to pay for something, it’ll show up straightaway in your account as a pending transaction. It’ll reduce your available balance, but not your account balance. This is because the money has been reserved, ready for the company to take, but it hasn’t actually left your account yet.

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

Your account balance will go up to reflect the fact you have more money, but the money won’t be available for you to spend until the cheque has cleared.

More about cheque clearing

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
Download our Banking app


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.