HSBC Balance and Avaliable Balance doesn't add up, help?

roberts100

Hi,

I do online banking and I also keep an ongoing budget where I list all my transactions as HSBC can often take days to show my true balance. I recently cashed in a cheque and have also got an unusually large talk-talk broadband bill (because I've moved house, they've merged 2 months of bills into one.) so maybe this is related. I was also paid ESA early due to Christmas.

So my balance should be about £350 according to my own little transaction log. But on HSBC's online banking, my balance is at around £400 (this isn't that unusual as like I said it takes a couple days to update so it quite often shows me having more than I really do). So I'm expecting my avaliable balance to be £350...but it's showing as £270 instead.

Is there any way to see what those pending transactions are? When I do check 'pending transactions' it says there is nothing pending although there obviously is. That's about £80 unaccounted for. Does anyone know why HSBC would just hold £80 pending like that? I just cashed in a cheque of £100 but that has already been shown in my account as a transaction. I also have a £50 bill from TalkTalk, but as far as I'm aware they are no longer able to take from my account unless I actually make a payment. There's no other potentially pending transaction but I'm so confused. Could this mean my details have been stolen or something? At what point do I call HSBC to find out what this is?

KxMx

When did you pay in the cheque?

I'm with HSBC and while a cheque shows up right away as a transaction, it takes about 4 working days to clear.

During that time my balance and available balance don't tally because the cheque hasn't actually cleared so the funds are not available.

Only certain things show up under "pending transactions" and the list of ones that won't show is almost as long as the ones that do

Speaking as someone who also keeps a log I would go back and triple check all your figures and use a calculator. It's amazing how many times I've got the maths wrong even when I think I'm being careful enough.