EPISODE · Jun 10, 2026 · 0 MIN
Your “available" balance is the one that counts
from East Coast Radio - Catch Up · host East Coast Radio - Catch Up
Fezile had money in his Capitec account - or so he thought. On three occasions since last August, his Telkom debit order went unmet, costing him bank fees, Telkom penalty fees, and a dent in his credit record. When I took up his case with Capitec, the bank explained the crucial distinction: your balance doesn't account for pending transactions, but your available balance does — and that's what debit orders are processed against. The two figures can differ significantly. Lesson learned the expensive way: always check your available balance before your debit order run, not just your balance.
What this episode covers
Fezile had money in his Capitec account - or so he thought. On three occasions since last August, his Telkom debit order went unmet, costing him bank fees, Telkom penalty fees, and a dent in his credit record. When I took up his case with Capitec, the bank explained the crucial distinction: your balance doesn't account for pending transactions, but your available balance does — and that's what debit orders are processed against. The two figures can differ significantly. Lesson learned the expensive way: always check your available balance before your debit order run, not just your balance.
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Your “available" balance is the one that counts
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