How to understand the reserved amount. An expert from Raiffeisenbank answers your questions
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"Reserved amount on the card" - what is it? Where did it come from and how to find out? and got the best answer
Answer from Evgeny Smirnov [master]
Anton, in the chain of mutual settlements on cards there are: the issuing bank (which issued your card) - the payment system (Visa, MasterCard) - the enquirer bank (with the help of which payment is made at retail outlets, for example).
If the first and the last concepts refer to different banks, then the amount from the card account is not immediately debited, but is reserved until the moment of mutual settlements of the issuing bank with the payment system.
In any case, the presence of the reserved amount indicates that the request for payment came to your bank. Perhaps 3`557 is the sum of several card payments, not a one-time one. And perhaps this is a fact of fraud, this often happens in our time. If this is an erroneous transaction, do not worry, after a certain time, these funds will be "unmounted".
In any case, you should call the customer support center and find out what is the basis for the reservation of this amount on the card.
Good luck!
Answer from 2 answers[guru]
Hello! Here is a selection of topics with answers to your question: "Reserved amount on the card" - what is it? Where did it come from and how to find out?
Answer from Alexey Komolov[newbie]
Anton.
This means that a transaction (s) was performed on your account for the expense of the account. If you have not made any transactions within 2 days, then you need to urgently contact your bank. It is possible that you have become an object of fraud or in a bank of production. the technical error. If you made transactions, then it is possible that this is the amount that you spent on Friday morning. In this case, the money will be debited from your account on Monday.
Answer from Ozonepro[newbie]
I have a different situation. made a payment via Facebook using a credit card. but facebook blocked me, referring to the fact that my account was hacked. But the money is still in reserve. And I don't understand how to get them back.
Answer from Mikhail Afonin[guru]
Almost as Alexey wrote. Only such a block on trade operations is usually set for up to 14 days. It is removed in case of complete completion of settlements on the day of completion of settlements of all banks participating in the transaction, while the blocking amount and the amount of own funds are reduced by the same amount. If the calculations were not made for some reason, for example, the blocking was erroneous, then on the day of the end of the blocking, the amount of blocked funds decreases, and the amount of own funds remains the same. For you, this situation means that the amount of funds available for use is increased by the amount of "extra" blocking. Finally, some hotels, car rental companies, etc. do not charge any amounts from your card at all, but only block them for up to 2 months. For example, you are booking a hotel abroad. The hotel blocks the amount of accommodation per day on the card (a deposit of your solvency), you come and pay for the accommodation, even with the same card, or with a different card (there is already a trading operation, the money is debited completely after a few days), even though it is blocked in cash for the reservation, the amount is returned to your card - the blocking is removed. If you do not arrive, the hotel will write off the blocked amount as a cancellation penalty.
Answer from Natalia ilyina[newbie]
Contact customer support, works around the clock, phone number on PC
"Reserved amount on the card" - what is it? Where did it come from and how to find out? The transaction amount is reserved this payment has not yet been posted to the account
"Reserved amount on the card" - what is it? Where did it come from and ...
"Reserved amount on the card" - what is it? Where did it come from and how to find out?
Anton. This means that a transaction (s) was performed on your account for the expense of the account. If you have not made any transactions within 2 days, then you need to urgently contact your bank. It is possible that you have become an object of fraud or in a bank of production. the technical error. If you made transactions, then it is possible that this is the amount that you spent on Friday morning. In this case, the money will be debited from your account on Monday.
Almost as Alexey wrote. Only such a block on trade operations is usually set for up to 14 days. It is removed in case of complete completion of settlements on the day of completion of settlements of all banks participating in the transaction, while the blocking amount and the amount of own funds are reduced by the same amount. If the calculations were not made for some reason, for example, the blocking was erroneous, then on the day of the end of the blocking, the amount of blocked funds decreases, and the amount of own funds remains the same. For you, this situation means that the amount of funds available for use is increased by the amount of "extra" blocking. Finally, some hotels, car rental companies, etc. do not charge any amounts from your card at all, but only block them for up to 2 months. For example, you are booking a hotel abroad. The hotel blocks the amount of accommodation per day on the card (a deposit of your solvency), you come and pay for the accommodation, even with the same card, or with a different card (there is already a trading operation, the money is debited completely after a few days), even though it is blocked in cash for the reservation, the amount is returned to your card - the blocking is removed. If you do not arrive, the hotel will write off the blocked amount as a cancellation penalty.
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business.ques.ru
All online transfers and online payments go through a transaction, which is a sequence of different operations that ultimately must fulfill your request to transfer money to the desired address. At one of these stages, your money can freeze. There are a huge number of reasons for this, whether it is a failure in the payment system, a lack of funds in your account, incorrectly entered recipient details, an incorrectly entered one-time password, etc. We will tell you what to do if the payment is frozen in processing.
3 ways to get a refund if your payment is frozen
You should understand that the money that is frozen in processing, in any case, hangs in the bank account. You should take care of returning them as soon as possible.
If your payment is stuck in processing, then the first thing you should do is try to return them to your own account.
This can be done in three different ways:
- by phone;
- at a bank branch;
- via internet banking.
You will need a receipt for a refund using any of these methods. We also recommend that you take a screenshot of an SMS message or from Internet banking as confirmation of the fact that funds have been debited. You will also need a passport when contacting a bank.
1. By phone
You can withdraw a payment that is stuck in processing by calling the bank's advisory line. The operator will ask you to specify the payment receipt details and passport data.
If the payment is frozen not due to the fact that you specified the wrong details of its destination, then the payment can be sent to its destination. Otherwise, the funds must be returned to your account.
Please note that the call center employee, in addition to your passport details and payment receipt number, may ask you other questions to identify you. It could be a code word or some details of the last purchases on your account.
2. At the bank branch
If you have any difficulties with canceling a payment by phone (for example, you did not remember the code word or found it difficult to answer other questions from the operator), then you should contact the nearest branch.
This should also be done quickly enough. Otherwise, your application for a refund to the account may be considered for several weeks.
A bank employee will tell you how to correctly fill out an application form for a refund and cancellation of a transaction. The return of the debited funds is always carried out according to the specified algorithm.
If your refund request is approved, it will be refunded with no commission. It is also worth noting that the speed of the refund will depend on the reasons that projected the payment freeze.
If you entered the wrong payment details, this is one thing, but quite another thing if, for example, you entered an incorrect one-time password.
In practice, there are cases when a bank rejected applications for a refund for an undefined reason. In this case, you will face litigation, especially if you applied to the bank late.
3. Via internet banking
In order to solve the problem of a stuck payment, go to your personal Internet banking account.
If you do not use this service yet, you can get your login and password at the nearest ATM using your bank card.
- Go to your personal account.
- Find the line payments / transfers.
- Check the status of your payment or transfer. If the system prompts you to cancel the payment, then do it, and then your issue will be resolved. This means that the bank has not yet processed the payment, so it actually froze in the air and you can return it back. Again, if you notice incorrect transfer details, then immediately recall your money back.
- Get your money back if next to the payment you see the “revoked” mark, then your money will be returned to the account within a day. Otherwise, contact the bank directly.
There are several more types of marks in Internet banking, which will mean that you have correctly recalled your money:
- Rejected;
- Interrupted;
- Canceled.
Conclusion: Everything related to bank payments and transfers must be checked with detailed accuracy. But even a computer can be wrong, let alone a person.
If you made a mistake and sent money not according to the exact details, and they got stuck in processing, then use our advice and quickly and easily solve your problem.
Have you encountered a similar situation? How did you solve this problem? Share your experience in the comments below.
Now you know what to do if the payment is frozen in processing.
Best regards, 100druzey.net team
100druzey.net
Holding | MigCredit
Holding is a procedure in which the bank, when authorizing the card, reserves the amount for this operation for a certain period until there is a settlement from the acquirer. This operation is also called reservation, blocking for a while or freezing the amount.
In other words, when paying by card, the amount spent by the client is reserved with the issuing bank until the next write-off. At this time, the bank's available card balance decreases by this amount, but it is not debited from the account. Funds will be debited when confirmation of the operation is received - clearing files will be received from the acquirer.
If the receipt of files did not occur, the amount remains frozen for a certain time, and then the cardholder automatically gets access to it. The term of this operation is from nine to thirty days.
In the event that there are differences in the currency of the account and transaction, funds are debited from the card account at the rate that was set on the day of debiting, and not on the day of reservation. It is difficult to predict in which direction the exchange rate will change, and how much the bank will write off, so you should not spend all the money so that there is no negative balance.
It often happens when money is debited from a card account that is not related to the reserved amount. This is due to the fact that the bank debited the money according to the details specified in the clearing files. If these details do not match the authorization details, the amount that was reserved will "hang", and the bank will make another write-off. You might get the impression that the amount was debited twice.
It also happens when the receipt of files about the confirmation of the operation was carried out after the funds were unlocked. In this situation, the amount is debited from the card, and if there is not enough money, then a technical overdraft occurs.
The problem of double write-off also arises when a hotel room is booked, when money is debited once when booking, and the second time when checking into a hotel.
In this case, the amount that was temporarily blocked will be available to the client after the holding period ends. If the owner of the card needs the money that was reserved earlier than this period, he needs to contact the bank to cancel the authorization.
There are situations when the request is duplicated and the amount is blocked twice. This happens for technical reasons or a cashier's mistake.
It should be noted that in case of timely cancellation of the card authorization, the unblocking of the reserved amount is carried out quickly. For example, a customer wants to return an item to a store on the same day he bought it. The cashier will cancel the purchase of the goods and the amount that was reserved will become available to the cardholder.
migcredit.ru
"Reserved amount on the card" - what is it? Where did it come from and how to find out? - domino22
"Reserved amount on the card" - what is it? Where did it come from and how to find out?
- Contact customer support, works around the clock, phone number on PC
- I have a different situation. made a payment via Facebook using a credit card. but facebook blocked me, referring to the fact that my account was hacked. But the money is still in reserve. And I don't understand how to get them back.
- Anton.
This means that a transaction (s) was performed on your account for the expense of the account. If you have not made any transactions within 2 days, then you need to urgently contact your bank. It is possible that you have become an object of fraud or in a bank of production. the technical error. If you made transactions, then it is possible that this is the amount that you spent on Friday morning. In this case, the money will be debited from your account on Monday.
- Almost as Alexey wrote. Only such a block on trade operations is usually set for up to 14 days. It is removed in case of complete completion of settlements on the day of completion of settlements of all banks participating in the transaction, while the blocking amount and the amount of own funds are reduced by the same amount. If the calculations were not made for some reason, for example, the blocking was erroneous, then on the day of the end of the blocking, the amount of blocked funds decreases, and the amount of own funds remains the same. For you, this situation means that the amount of funds available for use is increased by the amount of the "extra" blocking. Finally, some hotels, car rental companies, etc. do not charge any amounts from your card at all, but only block them for up to 2 months. For example, you are booking a hotel abroad. The hotel blocks the amount of accommodation per day on the card (a deposit of your solvency), you come and pay for the accommodation, even with the same card, or with a different card (there is already a trading operation, the money is debited completely after a few days), even though it is blocked in cash for the reservation, the amount is returned to your card - the blocking is removed. If you do not arrive, the hotel will write off the blocked amount as a cancellation penalty.
- Anton, in the chain of mutual settlements on cards there are: the issuing bank (which issued your card) - the payment system (Visa, MasterCard) - the enquirer bank (with the help of which payment is made at retail outlets, for example).
If the first and the last concepts refer to different banks, then the amount from the card account is not immediately debited, but is reserved until the moment of mutual settlements of the issuing bank with the payment system.
In any case, the presence of the reserved amount indicates that the request for payment came to your bank. Perhaps 3557 is the sum of several card payments, not a one-time one. And perhaps this is a fact of fraud, this often happens in our time. If this is an erroneous transaction, do not worry, after a certain time, these funds will be "unmounted".
In any case, you should call the customer support center and find out what is the basis for the reservation of this amount on the card.
Good luck!
www.domino22.ru
this is ... What is holding: holding conditions, double account write-offs, holding problems, holding schemes
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What is holding? Description and definition of the term
Holding (from English hold - to hold) - storage of the volume of the performed operation (payment) emitted by the bank on a bank card, waiting for calculation from the buyer. This transaction is called differently: reservation, freezing, temporary blocking of the amount on the card account.
In the case of payment from a card, the corresponding amount is held (cooled). At the moment, the balance of the card is reduced by the corresponding chilled amount, but the amount has not been written off at last. When the bank receives confirmation of the transaction (payment), then the amount will be debited. Otherwise it will last a few more days (depending on the term of the bank it can reach 30 days), then it will come back in the end and the holder will be able to use it.
Holding - in a banking operation, as a result of which a lending institution, after the movement of any funds in the account, places the same amount of benefit for a specified period until the bank employee provides the calculations. In other words, it temporarily cools the money on the card.
Thus, the cardholder makes the payment. This amount is held off the balance, as if the same amount of money (chilled) is operating. As soon as a message comes to the loan provider from the buyer, only then the bank will debit them from the client's card.
Holding conditions
Each bank sets the conditions upon receipt of the transaction confirmation - from nine days to one month. There may be some problems with this. In case of payment in a currency other than the account currency, the conversion rate will be calculated not on the day of the transaction, but on the day of debiting from the account.
Thus, it is difficult to foresee the situation with the currency in the market in, assume twenty days of waiting for the bank. We advise you not to use all funds and pay the bill in a different currency. Your balance can easily turn into denial any minute.
Often chilled amounts are put on hold before the expiration of the date of receipt of the message from the bank employee. This happens when the details of the settlement do not match. It turns out that the customer sees a double debit from the account. You should not be afraid of it as after the expiration of the expectation, the first reserved profit of the amount.
If incorrectly cooled funds were urgently needed for you, then after the provision of all of you will return to the bank financial documents confirming the transaction in full. Sometimes the seller or other person to whom you, if the card for payment makes a timely cancellation of the payment, chilled money, will be there in the shortest possible time.
Double debit account
It is not uncommon in the case of a double write-off from the account, a simple human factor. For example, the cashier made a mistake when registering a transaction on your card or there was a failure in the system. You shouldn't panic ahead of time, try to analyze the actions calmly.
In other words, when there is payment according to the card spent by the customer, the amount for the purchase / service is chilled by issuing the bank, i.e. are used for subsequent debiting from the account. At the moment, the credit institution reduces the amount of the available balance according to the card with the amount spent by the client, but does not charge it from the account. In fact, the money from the card will be debited only when the financial confirmation of the work performed occurs in order to manage the bank - the so-called clear files from the recipient arrive.
If these files do not arrive, the transaction amount remains reserved for a certain amount of time, then it is automatically unfrozen and becomes available to the cardholder. The term holding in banks is also different, usually from 9 to 30 days. For example, in Alfa-Bank funds are reserved for a maximum of 9 days.
There are some important points to be noted associated with holding. For example, in the case when the account currency differs from the transaction currency, the funds are debited from the card account at the level set on the day of debiting from the account, but not on the day the funds are reserved. In such a situation, it is difficult to foresee when the level of the currency at this time will change and how much will be charged by the bank from the card as a result, therefore, you should not spend all the funds without getting a negative balance as a result.
Holding schemes
Quite a widespread situation is when funds are debited not at the expense of the amount previously reserved from the card. This is connected with the fact that the debiting from the account is done automatically by the lending institution on the details defined in the cleaning of files. If they do not correspond to the details of authorization of the reserved amount, and continues to "hang", there is a new deduction from the account from the card. At the same time, the cardholder has the impression that the transaction amount was debited from the card twice.
Rarely, but nevertheless, it happens that the files confirming the creation of a transaction arrive after the funds are unlocked in the account. In this case, the amount is charged from the card and if there is not enough funds on it, then the technical excess of the limits is formed.
Frequently address the issue of double debiting when booking a hotel room. For example, in the case of a room reservation, the hotel blocked a certain amount on the card, but if the tenant entered the hotel, it did not write off him and made a new write-off from the account.
In such a situation, temporarily blocked the amount, it will become available to the client after the completion of the holding term set in the bank. If the reserved funds are required for the cardholder before this term, he must address the bank with a request to de-authorize with financial support reports on the work performed.
The need for holding is to be in touch with the performance characteristics of all bank payment cards. In the course of the regular purchase of something by means of a card, several different organizations - a seller of goods or services, an issuing bank (the bank that issued the card), a merchant buyer (a bank that serves to pay via an Internet gateway or POS terminal) and a payment service provider participate directly (which unites all these participants in the transaction with each other). And until your bank receives from the buyer the so-called clarification files describing all the details of the account operation, it will not be able to write off the funds from your account. However, these files do not arrive directly, and it is necessary to give goods or provide a service immediately after payment. And here the temporary blocking of money comes to the rescue - the bank simply "cools" the money spent by you, you do not "see" them on the account anymore, but they are still there and will finally be debited only after the payment is completed.
Holding for spending money is a temporary reservation of funds. Therefore, when the capture period expires (it can last up to 30 days), and the files being cleaned at this time do not work in the bank, the money is “unfrozen” and your balance increases by this amount again. Another situation can also occur - during the purchase, one amount is blocked, and confirmation files arrive at another, larger or smaller, then either a slightly larger or slightly smaller amount will be charged from the account. This is often due to conversion characteristics where payment is made in a currency other than the card account (purchase overseas or from a foreign online store), and the exchange rate can change from the moment the capture begins to the full cash deduction from the account.
Walking problems
By the way, some of the problems that users of bank cards may face are in contact with holding.
Firstly, if there is no money on the account during the final, making a payment (if the exchange rate changes and the amount of the payment exceeds the blocked one), a technical overdraft may arrive there. In order not to allow such an unplanned "departure" to enter minus, it is not necessary to cancel absolutely your card account, which is allowed on it, some free amount will always be kept.
Secondly, there is the problem of double debiting from the account, when money is collected from the card not at the expense of the previously blocked amount, and other free ones - many hotels often “sin” with it. At the time of booking a room, they block the amount of the advance payment, but during the application they perform the calculation again - as a result, the hold occurs twice, on one of them, the money is actually debited, and on the other it "hangs", until the automatic opening, which, as we know , can drag on for a month. Hardly a pleasant prospect all along the journey.
This transaction is often also referred to as a temporary blocking, reservation or freezing of the amount on the card account. This consists in contacting the fact that the debiting from the account is done by the credit institution automatically on the details defined in the clearing files. For transferring money to the accounts of the state of the organization, the level is 0.5% of the amount.
The question is why a credit card is needed, it is installed by fewer people, since many understand that its possibilities are really extensive. Let's say you are abroad, you have a ruble card in your hands. The cashier, provided that the merchant has not yet received the payment information, will cancel the excellent transaction and the reserved amount will become available to the cardholder. As a result, even if you are the owner of a debit card and there are not enough funds on it, you can go for a technical overdraft. It is especially unpleasant to get into such a state, if it is not about buying souvenirs for 10 euros, and about paying for air tickets for the whole family or hotel accommodation. Not all requests may be available to a particular store. The funds are chilled until the merchant sends confirmation of the transaction (so-called clarification files).
For the purchase or order of bank reserves, the amount that you plan to spend. This is very, very terrible, especially compared to other banks that do not have a similar problem.
We briefly reviewed the move: holding conditions, double account write-offs, holding problems, holding schemes. Leave your comments or additions to the material.
biznes-prost.ru
Current account reservation: features, rules
![](https://i0.wp.com/rv-mo.ru/800/600/https/raschetniy-schet.ru/wp-content/uploads/2016/12/rezervirovanie-raschetnogo-scheta-640x305.jpg)
Reservation of a current account is a popular service that has been offered by an increasing number of banks lately. This is a convenient tool that speeds up the process of obtaining a bank account number without visiting a credit institution and handing over papers. In Russia, the service has been operating recently, but in the world it has been in demand for a long time. After booking a current account, the received number may be indicated in agreements with partners and in other documents.
When is it convenient?
Bank account reservation takes the form of an online application. The goal is to get the details of the current account in a credit institution in advance. After registration of the service, the bank allocates time during which the client must appear to transfer the required package of papers and receive a bank account in the usual way. Only after that all options for the account will be available.
Booking a current account will come in handy:
- For urgent transfer of the bank account number to business partners.
- When you need to participate in a tender, but there is no time for a full-fledged bank account reservation.
- For use as a backup r / s to protect yourself from force majeure situations.
- If you wish, in the near future, open an account in the selected bank and reduce the time for receiving the service.
How is a current account reserved?
One of the main tasks of the client is strict adherence to the algorithm of actions in the registration process. Bank account reservation is done as follows:
- The client enters the data into the questionnaire of the selected institution, after which the account is automatically recorded for the applicant.
- The bank sends the bank account number by e-mail, as well as a link to the list of securities that must be presented at the stage of registering an account.
- During the agreed period (for each bank it has its own), the client must appear at the institution with the papers and sign the agreement. If this is not done, the current account reservation is canceled.
What should be indicated in the questionnaire?
Applying for an account reservation implies entering the following data into the questionnaire:
- Citizenship information (resident or not).
- Forms of company management.
- Names.
- OGRN and INN.
- Current account type.
- The branch where the service will be performed.
- Name.
- Phone and mailbox.
Fundamental rules
Before using the service, it is important to study the requirements of the credit institution.