Pending transactions explained
Pending means the bank has seen the charge but has not finalised it. Amounts, merchants, and dates can all still change.
The Pending Transactions screen lists everything that has not fully posted. It is worth reviewing before making a firm decision from your balance.
- Pending amounts, merchants, and dates can change before posting. A restaurant hold that later includes a tip is the classic example.
- A pending transaction may disappear, update, or be replaced by the final posted version.
- Posted transactions are the reliable ones for final tracking.
Seed can send an alert when a pending charge changes after it settles, so a hold that posts at a different amount does not slip past you.
Related articles
Why balances and transactions can lag
Linked data arrives on the institution's schedule, not instantly. Here is what is normal and what is not.
Searching and filtering transactions
Search by merchant, amount, or even a line item on a scanned receipt. Then learn the press-and-hold gesture that turns a filter into an exclusion.
Every alert Seed can send
Eight families of alerts, from a low balance warning to a Seed Score tier change. Here is the full list.
Did this answer your question?
If not, send us the details and we will come back to you, usually within 24 hours.