![]() ![]() However, the timelines can vary as this will depend on the retailer / merchant. These transactions generally process to your account within a number of days after the transaction has been completed. Your 'Pending Transactions' screen displays pending debit card transactions which you have completed but have not yet been processed to your account. * Note: There may be debit card transactions which are not reflected in your 'Pending Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the merchant processes debit card transactions. It does not include any Debit Card transactions not yet posted to your account including those appearing in "Pending Debit Card Transactions"*. The balance that is displayed with your recent transactions is your account's opening balance on today's date amended to reflect any lodgements, withdrawals or payments made on your account today. Statements Screen - Recent Transactions Balance ![]() ![]() In all cases any items lodged may later be returned unpaid on the account. For these customers this balance will not include items lodged to their account which have not yet cleared. Other customers will see a balance which does take account of "Pending Transactions" which have not yet been processed to the account. This does not include any Debit Card transactions not yet posted to their account including those in "Pending Debit card transactions". The balance that appears in the account list screen will depend on your account set up.įor some customers the balance will only include transactions which have been processed to their account. * Note: There may be debit card transactions which are not reflected in your 'Pending Debit Card Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions. If you have available funds in account A of EUR1000 CR and available funds of EUR200 DR in account B, your combined available funds is EUR800CR. To calculate the actual available funds amount, amalgamate the available funds amount in each current account. If the Bank has agreed to a set-off arrangement where the balance in one of your accounts may be used when making payment decisions on another of your accounts, the available funds on your current account may be increased or decreased by the available funds in another current account(s) held by you. If you have EUR500 in your account with pending debit card transactions of EUR200 and an overdraft of EUR500: Depending on your account set up 'Available Funds' may also include items which have not yet cleared and also items which may later be returned unpaid on your account. The amount is subject to transaction limits and takes into account "Pending Debit Card Transactions" which have not yet been processed to your account.* It also includes payments and transfers made into and out of your account. If you’re unable to contact the retailer or are unhappy with their outcome, let us know by filling out our online form.Your 'Available Funds' shows the actual amount you can transfer or withdraw from your account including where applicable any overdraft limit approved on your account. ![]() Getting in touch with the retailer is usually the quickest way to resolve any issues. If a purchase or payment shows as pending, we’re not able to raise a dispute with the retailer on your behalf. As soon as a pending transaction clears into your account, you can raise a dispute claim. If the retailer does not fully process the purchase or payment, the held amount is released back to your account. This usually takes around 7 days, although it can take up to 28 days in some rare cases. This can help ensure you don't go over your agreed credit limit. The ‘amount you can use’ and the 'amount you owe' reflect any pending transactions. This shows as a pending transaction on your account. Depending on the type of transaction, this can take a few hours, and in some cases a few days.Ĭompanies such as hotels, car hire businesses and petrol stations can hold an amount on your credit card while you’re using their services, or as a security check to make sure your card is genuine. This is usually a purchase or payment that's due to be applied to your account, but which hasn't been fully processed by the retailer. This article is for the following products: ![]()
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