![]() Other customers will see a balance which does take account of "Pending Transactions" which have not yet been processed to the account. This does not include any Debit Card transactions not yet posted to their account including those in "Pending Debit card transactions". The balance that appears in the account list screen will depend on your account set up.įor some customers the balance will only include transactions which have been processed to their account. * 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. 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. ![]() ![]() To calculate the actual available funds amount, amalgamate the available funds amount in each current account. 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. If you have EUR500 in your account with pending debit card transactions of EUR200 and an overdraft of EUR500: 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. 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. This also applies to international transactions where you opt to pay in your billing currency (AED).įor further information, please refer to the Credit Card Agreement Terms at 'Available Funds' shows the actual amount you can transfer or withdraw from your account including where applicable any overdraft limit approved on your account. In addition, a processing fee set by Visa / MasterCard of up to 1.21% (inclusive of VAT) may also apply on foreign currency transactions where the currency used is non-AED. If you opt to pay in your billing currency (AED) and not the foreign currency applicable in the country, the merchant and their financial institutions’ applicable exchange rate applies. ![]() This may involve a conversion to US dollars first. Please note, in line with the applicable Schedule of Services and Tariffs, foreign currency transactions that are not in your billing currency will be converted into your billing currency by the card scheme (Visa or MasterCard) or HSBC using their applicable exchange rates on the day conversion is made. Any fees and charges that apply are included in the transaction amount shown. After settlement, the transaction amount is shown in the equivalent AED amount. This will include any fees and charges that apply according to the Schedule of Services and Tariffs, which is available at For example, if you make a purchase for 100.00 USD, it will show in your pending card transactions as 100.00 USD. The pending transaction will show in the original currency that the transaction was made in.Īfter settlement, foreign currency transactions will show in the local currency equivalent (AED).
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