If you look at your accounts on internet banking, you’ll notice each account shows two amounts: ‘balance’ and ‘available’.

The ‘balance’ amount shows how much money is actually in your account, while the ‘available’ amount shows how much money you’re allowed to use.

Why the difference? Whenever you use a card to pay for something on your account, the money will be instantly put aside for the transaction – but it’s not actually sent to the seller until later, when they put in a claim for it. They can take up to 10 days to do this, but normally it's only 1 or 2.

Long story short: any difference between the ‘balance’ and ‘available’ amounts represents money you’ve already spent. Hasta la vista, baby.
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