About my balances

• What are my 'Available Funds'?
  Your 'Available Funds' shows the actual amount you can transfer or withdraw from your account including where applicable any overdraft limit approved on your account. The amount is subject to transaction limits and takes into account "Pending Debit Card Transactions" which have not yet been processed to your account.* It also includes payments and transfers made into and out of your account. Depending on your account set up 'Available Funds' may also include items which have not yet cleared and also items which may later be returned unpaid on your account.

   

  Example:
  If you have EUR500 in your account with pending debit card transactions of EUR200 and an overdraft of EUR500:

  Your 'Available Funds' would be EUR800.

  If the Bank has agreed to a set-off arrangement where the balance in one of your accounts may be used when making payment decisions on another of your accounts, the available funds on your current account may be increased or decreased by the available funds in another current account(s) held by you. i.e. the available funds are combined. To calculate the actual available funds amount, amalgamate the available funds amount in each current account.

   

  Example:
  If you have available funds in account A of EUR1000 CR and available funds of EUR200 DR in account B, your combined available funds is EUR800CR.

   

  * Note: There may be debit card transactions which are not reflected in your 'Pending Debit Card Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions.
• What is my 'Balance'?

  Account List Screen Balance

  The balance that appears in the account list screen will depend on your account set up.

   

  For some customers the balance will only include transactions which have been processed to their account. This does not include any Debit Card transactions not yet posted to their account including those in "Pending Debit card transactions".

   

  Other customers will see a balance which does take account of "Pending Transactions" which have not yet been processed to the account. For these customers this balance will not include items lodged to their account which have not yet cleared.

   

  In all cases any items lodged may later be returned unpaid on the account.

   

  Statements Screen - Recent Transactions Balance

  The balance that is displayed with your recent transactions is your account's opening balance on today's date amended to reflect any lodgements, withdrawals or payments made on your account today. It does not include any Debit Card transactions not yet posted to your account including those appearing in "Pending Debit Card Transactions"*.

   

  * Note: There may be debit card transactions which are not reflected in your 'Pending Transactions' or 'Available Funds' where they have not yet been advised to us due to the nature in which the merchant processes debit card transactions.
• What are my 'Pending Transactions'?

  Debit Card:

  Your 'Pending Transactions' screen displays pending debit card transactions which you have completed but have not yet been processed to your account. These transactions generally process to your account within a number of days after the transaction has been completed. However, the timelines can vary as this will depend on the retailer / merchant. Please note there may be debit card transactions that do not appear on this list where they have not yet been advised to us due to the nature in which the retailer / merchant processes debit card transactions.

   

  Credit Card:

  Your 'Pending Transactions' screen displays pending credit card transactions which you have completed but have not yet been processed to your account. These transactions generally process to your account within a number of days after the transaction has been completed. However, the timelines can vary as this will depend on the retailer / merchant. Please note there may be credit card transactions that do not appear on this list where they have not yet been advised to us due to the nature in which the retailer / merchant processes credit card transactions.