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 and any Arranged Overdraft.  Different circumstances may cause a difference between your balance and available balance. These are explained below:

Recent debit card purchases
Recent debit card payments are reflected in your available balance before the payment is fully processed by us.  This means that the money recently spent on your card has been set aside from your account by us before the retailer actually takes the funds.  When the funds are removed from your account, your balance will be reduced, but your available balance will stay the same, as we have already deducted the amount of these payments.

Recently paid in cheques
When you pay in a cheque, the amount of the cheque may be added to your balance up to 5 days (including the day the cheque is paid in) before the money is 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 an ATM
When you deposit cash at an ATM, the cash amount may be added to your balance up to three days before the money is made available to you. Your available balance will not include this cash amount until the day it clears.

You can view all cash deposit clearance times here.

Arranged Overdraft
Your available balance includes any Arranged Overdraft. Your available balance will be the amount of any credit balance in your account, plus the amount of any Arranged Overdraft.

If you require further information, please call 08457 20 30 40 (Lines are open 24 hours a day 7 days a week).