Not sure if anyone has mentioned this before or if people would find this useful, but maybe an option that means pending transfers are reflected in the balance.
For example:
My balance is £100 but paypal is pending (for next day for) £30 turn on this would show £70 available.
Think it would help some people with budgeting as not everyone can do math.
The sums I used were simple, but you could have 3+ pending transactions all of differing amounts.