What are pending transactions?

Pending transactions are payments 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.

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

Note:

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


Pending transactions can be money being paid into your account

When you pay in a cheque for example, it’ll show up as a pending transaction. 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. This is one of the reasons your account balance and available balance can differ. You can use our cheque clearing calculator to work out when cheques will be added to your account.

Use our cheque clearing calculator

Pending transactions can be debit card payments you’ve made

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.

We’ll remove a pending transaction if it hasn’t been taken within 7 days

We’ll stop reserving the money after 7 days, so that the money is available for you to spend. This means the pending transaction will no longer show in your account and your available balance will go back up.

However, it’s a good idea to keep enough money in your account to cover the payment, because some can take up to 120 days to go through. This means the money could still be taken at a later date, even if it’s not showing as a pending transaction.

Need some help with your pending transactions?

Please call us on 0800 30 20 11 between 8am and 8pm, or pop into your nearest branch with your account details and ID.

Find your nearest branch