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.