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My available balance isn't changing?

Hey!

I'm with Halifax and I've made a few transactions recently instores like Tesco & Lidl and normally they appear straightaway or take effect on my available balance.

I had £231.90 as my available balance & I spent £3.80 at Tesco but my available balance didn't go down, I assumed it would take effect later on the day but it hasn't. I've also spent £6 at Lidl which which didn't affect my available balance as well?

Is this just something wrong with the bank? The app? Or have I been rewarded with some funds idk lmao


Posted from TSR Mobile
Sometimes card payments can take a couple days to process.
Original post by bhfn
Hey!

I'm with Halifax and I've made a few transactions recently instores like Tesco & Lidl and normally they appear straightaway or take effect on my available balance.

I had £231.90 as my available balance & I spent £3.80 at Tesco but my available balance didn't go down, I assumed it would take effect later on the day but it hasn't. I've also spent £6 at Lidl which which didn't affect my available balance as well?

Is this just something wrong with the bank? The app? Or have I been rewarded with some funds idk lmao


Posted from TSR Mobile


Go to your transactions, it will be there under pending
Reply 3
Avatar for IWMTom
IWMTom
20
Contactless payments won't show as pending transactions, and as such won't reflect in your available balance. They'll appear on your statement in a few days.
Reply 4
Avatar for bhfn
bhfn
OP
18
Original post by Kravence
Go to your transactions, it will be there under pending


It's not there under pending, I already know this


Posted from TSR Mobile
Reply 5
Avatar for bhfn
bhfn
OP
18
Original post by IWMTom
Contactless payments won't show as pending transactions, and as such won't reflect in your available balance. They'll appear on your statement in a few days.


Ah right, okay we shall see! Thanks


Posted from TSR Mobile
Reply 6
Avatar for IWMTom
IWMTom
20
Original post by bhfn
Ah right, okay we shall see! Thanks


Posted from TSR Mobile


It does explain this at the side of internet banking.
Reply 7
Avatar for bhfn
bhfn
OP
18
Original post by IWMTom
It does explain this at the side of internet banking.


My account balance and available balance still stays £231.90 however based on my recent transactions it should be around £222 or so. If I spent let say £227 then would my card get declined?


Posted from TSR Mobile
Reply 8
Avatar for bhfn
bhfn
OP
18
..
Original post by bhfn
My account balance and available balance still stays £231.90 however based on my recent transactions it should be around £222 or so. If I spent let say £227 then would my card get declined?


Posted from TSR Mobile


Probably not, but it could start an informal overdraft which you would be charged for.
Reply 10
Avatar for IWMTom
IWMTom
20
Original post by bhfn
My account balance and available balance still stays £231.90 however based on my recent transactions it should be around £222 or so. If I spent let say £227 then would my card get declined?


Posted from TSR Mobile


No, it wouldn't get declined, but when the pending payments post to your account, you'll go overdrawn, which when unauthorised carries hefty fees.

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