What do the different balances in my account mean?

Your account shows a few different balances to help you understand what you can spend right now, and what is set aside.

Available balance
This is what you can spend right now. It doesn’t include the money in Reserves or transactions that are still pending. In some cases, a transaction may still go through if there’s enough in your Reserves to cover it.

Pending balance
These are transactions that haven’t fully processed yet. This can include incoming deposits or outgoing payments.

Reserves balance
This is money you’ve set aside in Reserves. It’s still part of your main account—it’s not a separate account.

Reserve holding
These are pending transactions that are already tied to a Reserve.

Total account balance
This is the full amount in your account, not including pending transactions.