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Pending Transactions

The ability to view your most recent transactions is here!

When viewing your transactions you will now see the most recent pending payments highlighted at the top of your transaction list. 
A pending transaction is a payment that is waiting to be processed. Once it has cleared, it will appear below in your list of cleared transactions.

Why is there a small charge showing in pending transactions on my bank account?

Some merchants will put a transaction through to ensure the card is valid, this transaction will remove itself or combine with the overall authorised total. Typical examples of these are pay at pumps and ordering grocery deliveries from supermarkets. If you notice a £0.00 transaction this could be a result of you recently registering for a service such as Netflix, Amazon, Uber etc. and is known as an account verification payment.

 

Why there is a £0.00 transaction in my pending transaction with the location of an ATM?

When you request a pin reminder to unblock your pin, a transaction will appear in your pending with the location of the ATM where you completed the unblock process. This will remove itself from your pending history.

 

I'm concerned about the pending transaction

If you're worried about a pending transaction and don’t believe it was made by yourself, we recommend you follow the actions below before contacting us as you'll need to discuss with the retailer and ensure the transaction has cleared onto your account and is no longer pending before we can support you:

  • Search the retailer name quoted on your statement using a search engine such as Google or Bing.
  • Contact the retailer directly to establish what you have been charged for and if necessary, initiate a refund.
  • If you are unable to identify the retailer review our Merchants List to see if the retailer has a different trading name to the one you'd expect.
  • If you have been unable to resolve the issue with the retailer directly and want to challenge the transaction we can then help you claim a refund once the transaction has cleared and is no longer pending If you still don't recognise it, you can find more information about the options available to you on our Card Payment Support page.