What is a pending transaction
A pending card transaction is a recent payment that has not been fully processed by the shop or business (the merchant).
How it affects your balance
When you make a card payment, the money is taken from your account balance right away. This makes sure you have enough funds to cover the purchase.
Once the shop finishes processing the transaction, the status will update to ‘cleared’.
When pending transactions clear
Most pending payments clear within three to five working days.
If the shop does not process the transaction in this time, the funds will automatically go back into your account balance.
Note: You cannot spend money while it is pending because it is held for the merchant to collect.