Let’s say I have £100 in an easy access savings pot and I have £100 in my main balance. My account total is £200.
I withdraw £75 from the pot. It reduces the pot value to £25, but because the payment clears on the following day I see the £75 as a greyed-out transaction.
Is the figure shown as my account balance still £200, inclusive of the amount that is in this “limbo” now, or is it actually £125 and will go up to £200 when the payment clears?