My available balance isn't changing? Watch

bhfn
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#1
Report Thread starter 1 year ago
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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


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Meany Pie
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Sometimes card payments can take a couple days to process.
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Kravence
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(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


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Go to your transactions, it will be there under pending
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IWMTom
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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.
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bhfn
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(Original post by Kravence)
Go to your transactions, it will be there under pending
It's not there under pending, I already know this


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bhfn
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(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


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IWMTom
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(Original post by bhfn)
Ah right, okay we shall see! Thanks


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It does explain this at the side of internet banking.
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bhfn
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(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?


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bhfn
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..
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Meany Pie
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(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?


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Probably not, but it could start an informal overdraft which you would be charged for.
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IWMTom
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(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?


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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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