If your available balance is lower than your total balance, this usually means that part of your funds are temporarily reserved or pending.
This is normal and can happen for several reasons.
Common reasons for balance differences
Your available balance may be affected by:
Bank transfers that are still processing
Card purchases that are pending completion
Sales transactions with temporary settlement holds
Transactions disputed by a cardholder and currently under investigation
Charges related to your active pricing plan or services (e.g. for unlimited free incoming transfers) that have already been reserved from the available balance.
Check your settlement speed
Some transaction amounts may remain temporarily unavailable depending on your settlement settings.
To check your settlement speed:
Log in to your Viva.com account.
Go to Settings → Profile.
Under Settlement Speed, you will see your current settlement setting.
➤ PC Browser view
➤ Mobile browser view
View account commitments
To review any reserved or committed amounts on your account, click here.
Understanding your balances
Balance type | Description |
Total Balance | The total amount in your account, including all processed and pending transactions (e.g. deposits, withdrawals, etc.). |
Available Balance | The amount currently available to use after reserved or pending amounts are taken into account (e.g. pending transactions or withdrawals). |
Why you may see a negative balance
In some cases, your account balance may become negative due to:
Subscription or pricing plan charges
POS terminal-related charges
Physical card monthly fees
Other applicable service charges
For more information about possible account charges, view our full pricing list here.
Still need help? Our team is here to support you. Please contact us via the Chat with us option in your Viva.com account.