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Pending payments?

Payments made by using your credit / debit card in a shop

When you buy something in a shop using your credit / debit card, your 'available funds' are decreased by the amount you have spent but your 'balance' won't change and you won't be able to see the transaction on your statement.

Retailers can take up to 4 days to claim the funds from your account. That is when your balance is reduced. Any International transactions however can take up to 10 days.

On your Account Summary mini-statement the transaction will appear as 'Credit Card Transaction' or 'Debit Card Transaction'. You can also see more information with the tool tip when you hover your mouse over the transaction on your mini-statement.

On your full statement, the last four digits of your card number, the date of the transaction and the name of the retailer are shown.

Online Payments

If you make a one-off, online payment to another person or a company, your balance and available balance are usually updated instantly. Your payment will usually reach the recipient within 2 hours.

If the payment is made after 6:30pm, the payment will appear to be made on the following working day but your balance and available balance are usually reduced immediately.

The payment will usually appear on your statement as 'CALL REF.NO.XXXX' where XXXX is a unique number that identifies your Online Banking session. Once our systems complete their processing - usually overnight - a full description will be displayed on your statement as well as the original call reference number.

Regular payments such as Direct Debits and Standing Orders

When a standing order or Direct Debit is claimed from your account, your balance and available funds will be reduced by the amount of the claim.

If your regular payment is due to be paid on a Monday, your balance and available funds are usually reduced by the amount of the transaction on the previous Saturday morning.

On your Account Summary mini-statement, the transaction will appear as 'Standing order' or 'Direct debit'.

On your full statement, only the retailers name is displayed for a Direct Debit.

On your full statement, more information is shown for a standing order e.g. MUNDUS CLEANING, FP 26/06/12 30, 33041853145939000R.