What does it mean if your available money and your balance in your account are different?

I am with Natwest and when I'm checking my balance online I notice the Available amount and Balance amount is different by around 拢30. What does this mean?





I'm not concerned of theft or fraud I just don't know why it does this.|||It means that you probably made a payment, either direct debit or standing order which hasn't gone out yet but has been accounted for, or you have an outstanding debit card payment which has been authorised but not yet collected from your account|||The available amount is the amount of money the banks computer says you can use.


The balance is the difference between credits (deposits) and checks (debits).


Pending credits and debts are those that have not been posted to your account yet.


They will change the available amount after they post to your account.


When all debits have been posted to your account,the balance and amount available should be the same.|||Sometimes its because you may have ordered something online, paid for it, but it hasnt been cleared into the other account ?





Also when using a cashpoint your available amount will be different to your balance by about 拢9 or so, obviously because 拢5 notes do not go through cashpoints and obviously because of the change.





My bank (lloyds) currently has my available amount 拢70 off my balance.. theres nothing to worry about though, if you wish to withdraw it all/part of the unavailable amount, go into the branch and you can withdraw :)|||It usually happens if you have bought something by card or online. It usually means that you owe someone 拢30, and so you cannot spend the 拢30 that you owe. If you have not purchased anything then you should contact Natwest and they should sort it out.|||Maybe your cheques havent cleared yet|||a cheque has been paid in but not cleared yet