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Answers to common questions

If you cannot find yours, sign in and open Help to ask us. Every request gets a case number.

What is the difference between available, pending and balance?

Available is what you can spend now. Pending is money set aside for a payment that has not finished; it is always shown, never hidden. Balance is what has been posted to your account.

Why is my payment still processing?

A payment can pass through several steps after you confirm it, such as checks and the other bank accepting it. The payment's page says where it is and what happens next. We only show it as completed once it has been posted to your account.

What does it mean if you say you are confirming whether a payment went through?

We sent it but have not had an answer yet. It is not failed and it is not done. Your money is safe, and we will update you as soon as we know.

Why do I have to confirm some payments?

To protect you, each payment that matters is confirmed on its own, tied to its amount and who it goes to. A confirmation cannot be reused for a different payment.

How do I freeze a card?

Open Cards, choose the card and press Freeze. It takes effect straight away, and nothing can be spent on it until you unfreeze it.

I have lost my phone or my passkey. How do I get back in?

Sign in with your password and one of your recovery codes. If you have no recovery codes, use Forgot password, then contact us from the sign-in help so we can verify you.

How do I complain or dispute a payment?

Sign in and open Help. Every request gets a case number, and you can follow it, reply and read our final response there.

How is my account kept secure?

Your account is guarded by sign-in with a passkey or authenticator code, a confirmation for every payment that matters, and a record of every change that cannot be altered.

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