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Online statement explained

Understanding your online banking statement

Online statements

Online banking makes it easy to search your account history by date or transaction type, view up to 7 years of statement history, or switch from paper to online statements. You can keep up to date with you latest transactions online in a number of ways:  

Online banking mini-statement

Online mini-statement

Your online mini-statement appears on the Account Summary page of online banking. It shows the last 6 transactions on your account as well as your 'Balance' and 'available funds'.

Transactions which are 'pending' or that are still to be confirmed will show up on your online banking mini-statement with a dark yellow background.  

PDF statement

Online PDF statements

You can access up to 7 years of statement history online via PDF.  These can be downloaded or printed should you need a copy of your statement. Your online statement includes the following information:

  1. Account: Name of the account the statement covers
  2. Period: Time frame the statement covers
  3. Date: The date when the transaction was made by yourself or claimed by the retailer
  4. Type: This is the type of transaction which has been completed. View a list of abbreviations used on statements.  
  5. Description: This gives more detail about the transaction
  6. Paid in: Value of the transaction paid (credited) into your account
  7. Paid out: Value of the transaction taken out (debited) from your account
  8. Balance: This is the balance of the account when the transaction was completed

Did you know.....

You can also access a PDF copy of your Certificate of Interest through online banking should you need it for tax purposes.

More about your online statement


Icon expand Payments made by using your debit card in a shop

When you buy something in a shop using your debit card, your 'available funds' are decreased by the amount you have spent.  However your 'balance' will only change when the retailer claims the funds from your account.  Its at this point that you will be able to see the transaction on your statement and your balance is reduced.

Retailers can take up to 4 days to claim the funds from your account. 

When making a purchase using your debit card it will show on your online banking account summary page mini-statement as a 'Debit Card Transaction'. You can also see more information about the transaction buy hovering your mouse over the transaction on your mini-statement.

On your full statement, the last four digits of your card number, the date of the transaction and the name of the retailer are shown.


Icon expand Regular payments like direct debits or standing orders

When a standing order or Direct Debit is claimed from your account, your balance and available funds will be reduced by the amount of the claim.

For example, if your regular payment is due to be paid on a Monday, your balance and available funds are usually reduced by the amount of the transaction on the previous Saturday morning.

On your Account Summary mini-statement, the transaction will appear as 'Standing order' or 'Direct debit'.

On your full statement, only the retailers name is displayed for a Direct Debit.


Icon expand Salary payments on your statement

Most salary payments are made automatically and should appear on your online statement on the day the payment is due.


Icon expand Online payments on your statement

If you make a one-off, online payment to another person or a company, your balance and available balance are usually updated instantly. Your payment will usually reach the recipient within 2 hours.

If the payment is made after 6:30pm, the payment will appear to be made on the following day but your balance and available balance are usually reduced immediately.

The payment will usually appear on your statement as 'CALL REF.NO.XXXX' where XXXX is a unique number that identifies your online banking session. Once our systems complete their processing (usually overnight) a full description will be displayed on your statement as well as the original call reference number.




Icon expand Funds paid in at a branch

If you pay in cash, it is immediately reflected in your balance and available funds. This will appear as a 'Teller transaction' on your mini-statement. The sort code of the branch you used will also be displayed in full online statements on the following business day.

If you pay in a cheque, it will appear in your balance on the following day but your available funds are not increased until the cheque is cleared. This usually takes 3 days.

Cheques can be returned unpaid, so you should allow at least four full working days before you use money from a cheque you've paid in. In some cases, because cheques may still come back unpaid after this time, it may take up to five working days for a cheque to clear and postal delays can extend this period further.


Icon expand What is an Annual Summary Statement?

This is a statement that includes charges, refunds and interest you have paid or received in the year. This is issued every 12 months on the anniversary of your account opening.

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Common questions

Online statements

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