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What makes up my available balance?

Available balance is the amount of money in your account available to you right now. It is made up of:

  • Current balance (not including any uncleared items e.g. a cheque deposit)
  • Overdraft limit (if you have an agreed one)
  • Less debit card transactions that have been authorised or pre-authorised (where the final transaction amount is not known upfront), but not yet debited your account.

Examples of pre-authorised transactions include where you have given a debit card pre-authorisation for a hire car or hotel room. 

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