Tracking your spending just got easier
We have some exciting news – you can now view your pending debit card transactions in the mobile app and online banking.
This means you have visibility of all the recent transactions you’ve made, not just the ones that have been fully processed. We’re hoping this new feature will give you more insight into your debit card spending, and help you keep track.
We often get phone calls from customers asking for a list of their pending transactions, so this may be something that makes your everyday banking experience even smoother.
How do pending transactions work?
Pending transactions are debit card transactions that haven’t been fully processed by the merchant or seller, but are taken from your available balance in the meantime. This is why your current balance and available balance are sometimes different.
Unprocessed transactions will be visible when you view your account in the app and online banking. They will show as ‘pending’ for a few days before the merchant or seller takes the money.
As well as giving you full visibility of your recent transactions, this will also help you understand any differences between your current balance and available balance.
What types of transactions can be pending?
Different types of transactions can be pending – for example, a purchase you’ve made in a shop or online, or a recurring payment for a subscription such as Netflix or Spotify.
Scheduled payments
Please note, scheduled payments like Direct Debits and standing orders won’t show in your pending transactions list.
Do I need to do anything?
If you use online banking:
When you log in to online banking, any pending transactions you have will be displayed when you view your account in My accounts.
If you use the mobile app:
To view your pending transactions, you may need to upgrade to the latest version of the app if your device doesn’t upgrade to it automatically. But don’t worry – we’ll let you know within the app when it’s time to upgrade, if you need to.
What if I spot a pending transaction I don’t recognise?
If you don't recognise a pending transaction, please get in touch and we'll look into it. You can call us on 03457 212 212 or +44 3457 212 212 from outside the UK.
Lines are open 24 hours a day, 7 days a week. Call charges apply.
If you recognise a pending transaction but something’s not right
If a merchant or seller has taken the wrong amount, or taken a payment after you’ve cancelled with them (such as a subscription to Netflix), we recommend contacting the merchant or seller first.
We may be able to dispute the transaction on your behalf, but we would only be able to do this once the payment is fully processed. This means it would have to move from ‘Pending transactions’ to your dated transactions.
Find out more about disputing a payment.
We want to hear from you
If there’s something new you’d like to do in the app or online banking, or anything you think needs to be changed, we’d love to get your feedback.
To give feedback in the app, tap ‘More’, and then tap 'Give us your feedback'.
To give feedback in online banking, the next time you log out, you’ll have the option to ‘Tell us what you think’.
Not found what you're looking for?
Contact our support team