Difference between Account balance and available balance?

im so confused, my account balance is 拢97 and my available balance is 拢18.38 can you please explain what this means





thanks|||It means that, although there is currently 拢97 in your account, your bank has either allocated 拢78.62 to cover payments due (Direct Debits etc) or there has been a credit to your account of 拢78.62, which has not yet cleared.|||Your account balance is the balance that your bank was at the close of business on that day.





Your available balance is the balance that your bank have factored in based on the amount you have spent that day, it has just not processed on to the statements yet.|||Available balance is part of the account balance. you originally had 18.38 and then you made a deposit of 78.62 and it is waiting to clear. Once it clear then you will have an Available bal of 97.|||Means you have 97 on deposit but only 18.38 is available. The rest may have been a check and has not cleared or you have transactions pending so you cannot spend that nor withdraw it. You can only use the 18.38|||There is either a hold on a check that you have deposited OR you have made charges that are 'pending' and will clear in the next couple days.