Current balance vs. available balance: What's the difference?

Your current balance reflects the amount of money in your bank account at any given moment. Your available balance is the amount of money you have to spend, including any pending payments and deposits. The key difference is that your pending purchases do not appear in the current balance.
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Bob Haegele
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current balance vs available balance

Whenever you’re budgeting out your money, it’s important to understand how much money you have at any given time, but not all bank balances are equal. Making a mistake between your current and available balance, for example, could cause you problems as you spend. Your current bank balance is the total of all posted transactions as of the previous day while your available balance includes pending or posted transactions for today. For help managing your wealth and all your finances, consider working with a financial advisor.
What Is Current Balance?

The current balance is all the money that is in your bank account right now. This balance might include pending transactions, like a credit card payment or a check that hasn’t cleared.

If there hasn’t been any activity on your account in at least a week, your current balance might be the same as your available balance. But if there has been recent activity on your account, the amount of money you’re able to spend might be different from your current balance.

For example, suppose your current balance is $500, so you go ahead and make your $350 car payment. However, you forgot that you made a $200 credit card payment yesterday that is still processing. Unless you have another deposit that clears in the meantime, your account could be overdrawn by $50. Depending on your bank, that may result in an overdraft fee or NSF fee.
What Is Available Balance?

Available balance is your current balance with any pending transactions or holds included. Thus, there are many reasons your available balance might be different than your current balance. A deposit, a check you’ve written or a payment with your debit card are some examples of pending transactions that might cause these discrepancies.

For example, suppose you spent $150 at the grocery store and paid with your debit card.

Or maybe you asked for a refund on something you purchased and the refund is still processing. All these transactions could cause your available balance to be less than or more than your current balance. That’s why it’s important to check both before making a purchase.
Difference Between Current Balance and Available Balance
current balance vs available balance

The difference between the current balance and the available balance is small but important. Available balance is how much money you are able to spend right now, including any pending transactions. Meanwhile, the current balance shows how much money is in your account without subtracting pending payments or withdrawals. Current balance can be useful in some situations, like when doing your monthly budgeting. However, it can be less useful for monitoring your daily spending.

Imagine you spend money frequently by writing checks or swiping your debit card. In this case, you might find that your available balance tends to be lower. But if you have a large deposit like a paycheck that is pending, your current balance could be lower. If a large deposit is pending for more than a few business days, it might be worth contacting your bank. That money won’t be part of your available balance until it clears, meaning you won’t be able to spend it.

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