Why hasn’t a debit card payment been debited from my account balance?

If you use your debit card to make a purchase – in a shop or online – we instantly set aside this money from your account to guarantee the payment before the seller actually takes it. This means that your available balance will include this debit, but it won’t be reflected in your statement balance until the merchant claims the payment.

Once they do claim the payment, which can take a few days, your statement balance will be reduced but your available balance will stay the same because we’ve already adjusted it to take into account the debit card transaction.