Hey new here and just wanted to ask if this is normal, I have used my RBS account to purchase some food and yesterday checked the account and it looked all fine I had £20 on the account and spent £9 on food and the account showed I had £20 but I could only take out £11 I assumed this was correct and that it included the purchase I made instore (but it was not showing online), now I check my account and I have the full £20 in the account but the purchase I made was not registered. The reason I say they are tricking me is I had a similair situation last year and went overdrawn because I thought I had more money in the account? is this normal behavior?

All I can say is that if you know what your true balance is - regardless of what it says on your statement, then be careful.

These anomalies on computerised statements are very common. Purchases can take several days to filter through and it is during this period that people do make other purchases which they can't afford and incur charges. I'm sure that this is a bit earner for the banks and of course one has seen so much talk of dishonesty by RBS/Natwest recently that I suppose people are right to be extra suspicious of those banks.

Why it should take so long for computerised banking to update itself, beats me - but I'm sure that so many people incur charges as a result that the banks wouldn't have it any other way.

All I can say is that if you know what your true balance is - regardless of what it says on your statement, then be careful.

These anomalies on computerised statements are very common. Purchases can take several days to filter through and it is during this period that people do make other purchases which they can't afford and incur charges. I'm sure that this is a bit earner for the banks and of course one has seen so much talk of dishonesty by RBS/Natwest recently that I suppose people are right to be extra suspicious of those banks.

 

Why it should take so long for computerised banking to update itself, beats me - but I'm sure that so many people incur charges as a result that the banks wouldn't have it any other way.

Oh I know my true balance I just dont like the fact that a day ago the account looked fine but today I have more money then I am supposed to have and if I do buy anything I will be charged.

You don't have more money than you think - the transaction hasn't processed yet. Fortunately, with the advantage of a cerebral cortex and some mathematical skills you are blessed with the knowledge of what your true state of liquidity is.

Nobody is trying to "Trick" you!