Although they sound the same, your account balance and available balance are very different.  Your account balance shows the amount in your account, but you can only withdraw or transfer from your available balance. There are many reasons why your account and available balance may be different and these are explained below.

Your Overdraft limit

Person holding a selection of Nationwide Cards

Your overdraft limit is not included in the available or account balance. If you use the facility the amount you're overdrawn by, shows as a deficit.

How to view or change my overdraft limit

Your Credit Card balance

Person holding Nationwide Select Credit Card

Your credit card balance shows the balance which is available to spend and is not the same as your Bank or Savings account balance.

How to view my credit card balance