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Do pending transactions count towards ex...

Do pending transactions count towards expenses?

Updated October 20, 2026

No. Pending transactions aren’t included in expense or profit and loss reporting.

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Copyright © 2026 Novo Platform Inc.

Novo Platform Inc. (“Novo”) is a fintech, not a bank. Banking services provided by Middlesex Federal Savings, F.A., Member FDIC. Eligible deposits are insured up to $5,000,000 per depositor through Middlesex Federal Savings, F.A., Member FDIC, and other banks in its sweep network. Learn more

The Novo Debit Card is issued by Middlesex Federal Savings, F.A., and the Novo Business Credit Card™ is issued by Continental Bank, pursuant to licenses from Mastercard® International Incorporated. Mastercard is a registered trademark of Mastercard International Incorporated and can be used everywhere Mastercard is accepted. Eligibility subject to final Novo determination.

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*Earn 2% cashback on eligible purchases with a Novo checking account balance of $5,000 or more, and 1% cashback with a balance of under $5,000.

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