What are the different balances in Online Banking?

What are the different balances in Online Banking?

Recently we’ve changed the way we display your accounts and balances in Online Banking to give you a clearer view of your money.


Current accounts


The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

  • Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold)
  • Arranged overdraft limit (if you have one)


What do my balances include?


Balance including pending transactions - this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit - this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining - this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance - this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

Examples of current account balances

Why has my current account balance been changed?

How will my current account balance show if I have an Auto Transfer set up to a subsidiary account?

Understanding pending transactions

Understanding pending transactions

Pending transactions are transactions you have made with your debit card which are waiting to be deducted from your account. The merchant normally tells us about your transaction as soon as it happens and we set aside those funds by taking them off your balance to make sure you don’t spend the money again.

However, this process can occasionally be delayed if the merchant takes longer to notify us. This is what is called a ‘pending transaction’ and you will see this reflected in your ‘Balance Including Pending Transactions’.

The transaction normally completes in full a day or two later when it will then also be reflected in your ‘Account Balance’. Occasionally you won’t see a debit card payment as a pending transaction. This can be down to timing or where the merchant has not been able to contact us immediately because you have made an ‘offline’ transaction. These are usually on planes, boats, trains or for parking or tolls so it’s important you always ensure you have enough funds in your account before making a transaction.

My balance at the weekend

My balance at the weekend

Your balance might not be what you were expecting over the weekend and bank holidays.

How can I keep track of debit card transactions?

Log in to Online Banking(opens in a new window).


Changes to when payments go into and come out of your account(s) at the weekend

Payments into your account at the weekend (like your salary, pension or other regular income)

Any payments due into your account on a Monday will only be available to you from the Monday and not the Saturday as before

Payments out of your account at the weekend (like direct debits and standing orders)

Any payments due out of your account on a Monday will leave your account on the Monday, meaning this money will be still available to you over the weekend.

An uncleared cheque example

An uncleared cheque example

If you have £350 in your account and have just paid in a cheque for £50 the Account Balance column will increase to £400 the next day. Once the cheque has cleared, the value of the cheque will be reflected in the balance including pending transactions. If you have an overdraft, this will also be shown.

Before cheque clearing

Account balanceBalance including pending transactionsOverdraft limitOverdraft remaining

After cheque clearing

Account balanceBalance including pending transactionsOverdraft limitOverdraft remaining

More information on cheques


Savings/Loans/Mortgage/Credit Cards


How will balances be displayed for all other account types?

For other account types such as savings, loans, mortgages and credit cards the prominent balance (in bold) is still the Account balance (which was previously called Today's balance).


View statements/certificate of interest



Making payments and transfer



Recurring transaction



Direct Debits & Standing Orders



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