Banks with immediate debit

Kewsea

I have both a Starling and Monzo account and love the fact that when you make a debit card payment it's reflected in your balance straight away - no pending transactions (even though they are pending in reality).  Are there any other banks that have this feature as I need a 3rd current account - I don't want one where there are pending transactions and 2 separate balances.

Thanks.

Daliah

https://www.chase.co.uk/

MEM62

I have a Halifax account.  Any spend on my debit card is initially shown as pending but the amount is deducted from the account balance straight away.  Therefore, your balance is always shown net of any pending transactions.  Works for me.   

[Deleted User]

It's just a display issue - they are still only authorisations until actually debited. 

penners324

Chase uk account 

sebtomato

Kewsea said:

I have both a Starling and Monzo account and love the fact that when you make a debit card payment it's reflected in your balance straight away - no pending transactions (even though they are pending in reality).  Are there any other banks that have this feature as I need a 3rd current account - I don't want one where there are pending transactions and 2 separate balances.

Thanks.

What is the actual issue to solve? You already know you may have two balances, and one shows your actual funds available (considering all the authorisations in flight)

Its_just_Barry

HSBC do that, they are pretty decent now

Alex9384

Revolut as well, though it's not really a bank.

Kewsea

Its_just_Barry said:

HSBC do that, they are pretty decent now

Thanks - I have a FD account that still has transactions appearing in 'pending' which I am keen to avoid.  Is HSBC different and do they have instant spending notifications?

Kewsea

sebtomato said:

Kewsea said:

I have both a Starling and Monzo account and love the fact that when you make a debit card payment it's reflected in your balance straight away - no pending transactions (even though they are pending in reality).  Are there any other banks that have this feature as I need a 3rd current account - I don't want one where there are pending transactions and 2 separate balances.

Thanks.

What is the actual issue to solve? You already know you may have two balances, and one shows your actual funds available (considering all the authorisations in flight)

As I said, I am aware of that and there's no 'issue' to solve apart from me knowing what works best for me.  Starling and Monzo have a great big figure on one screen with one balance. I like that.  Other banks have a cleared balance and a pending balance.  I don't like that, hence I was asking are there any other banks that operate the way I like.  I know some people like the opposite way and don't mind having the 2 but I am not keen on that.

Thanks.

VKE

Another vote for Chase UK