Understanding your balance
Your balance is the current gross amount held within your account. Your available balance is the amount you currently have available to spend, taking into account the amount of money in your account, any recent transactions not yet cleared and any planned overdraft. Various circumstances may cause a difference between your balance and available balance. These are explained below:
Recent debit card purchases
Your available balance shows recent debit card payments before we have fully processed (cleared) the payments. This means we have set aside from your account the money recently spent on your card before the seller actually takes it. When the money leaves your account, your balance will be reduced, but your available balance will stay the same, as we have already adjusted it to show the payments.
Recently paid-in cheques
When you pay in a cheque, the amount of the cheque may be added to your balance up to four days (including the day the cheque is paid in) before the money is cleared and so made available to you. Your available balance will not include the amount of the cheque until this point.
You can view all cheque clearance times here.
Cash deposited at a cash machine
When you deposit cash at a cash machine, your available balance will not include this cash amount until the day it clears.
You can view all cash deposit clearance times here.
Planned overdraft
Your available balance includes any planned overdraft. Your available balance will be the credit balance in your account, plus the amount of any planned overdraft.
For more information, please call 08457 20 30 40 (lines are open 24 hours a day seven days a week).
