View your balance and transactions

Help with what you can see within your balance and how to search transactions.

Understanding your balance

Your current balance is how much money you have in the account, not including the arranged overdraft limit (if you have one) or pending transactions.

Your available balance is how much money you have in the account that is available to use. This includes pending transactions you have made, that haven’t yet debited your account. Any arranged overdraft limit you have won’t be included in your available balance, so if you are using your overdraft, a minus figure would be displayed.

If you have an arranged overdraft limit, it will be listed separately and won’t be included in the current balance or available balance that’s displayed. If you use the overdraft, the amount quoted next to the overdraft limit won’t change.

If you are currently using your overdraft both your current and available balance will have a minus sign next to it.

If your account isn’t yet in an overdrawn position, but you have pending transactions that will result in an overdraft once they’ve debited, your current account will show in credit but your available balance will have a minus sign.

Balance example

Your current and available balance is £100. Your overdraft limit is £1,000. You buy a new computer for £400. Since the payment is pending, the current balance will stay at £100, but the available balance will change to -£300. When the payment has debited the account, the current balance will also drop to -£300.

Pending transactions

Pending transactions are debit card transactions that have been authorised but haven’t yet been debited from your account e.g. pay at the pump, hotel deposits. We include them in your available balance and you can view the total amount of what’s pending in the summary at the top of the transaction screen.

The pending transactions list can be found at the top of the mini statement and will show each transaction. The transaction detail will include the last four digits of the card used, amount and date. You can also select individual transactions to view more information about them, including the customer reference, bank reference and type of payment. 

Failed payments

If there isn’t enough money in your account at the start of the day when you have asked us to make a payment (cheques, Direct Debits), we will return them unpaid.

In the Business banking app, this will show in the list of transactions with a warning that says ‘Payment failed.’

We will keep checking whether there’s enough money in your account up until 2pm (cheque payments) and 4.30pm (Direct Debits). If you credit your account with either cash or a bank transfer to pay the failed payment, we will remove the warning message.

If there is no money for the payment before the cut off times, the payment will fail and we will remove it from the transaction list the following day.

There may be other failed payments which we won’t show you through the Business banking app, such as standing orders or future dated payments. You can check these through your online banking.


You'll be able to view 30 days' worth of transactions to a maximum of 3000 in the Business banking app. To see more you can login to online banking.

How to search a transaction

  1. Choose an account from the dashboard
  2. Click the search bar and type a name or transaction amount, or click on the calendar icon to choose a transaction date
  3. Scroll to find the transaction you are looking for