Available balances are impacted by pending transactions, which are payments or transfers that have been authorised but not yet processed. Pending transactions impact balances as follows:

  • ‘Balance’ is the amount of money in your account before all pending transactions have been processed.
  • ‘Available’ is the amount that you can spend today, and is a more accurate reflection of how much you can spend at that time.


For your home loan:

  • ‘Balance’ is the loan amount outstanding.
  • ‘Available’ is the amount of funds available for redraw (if the account allows).

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