Bank customer

A hold is money that still belongs to the account but cannot be spent yet. Urban names the reason on the line: card authorisation, inbound clearing, transfer in queue, or a review. We do not use internal codes on that list.

If you do not recognise the merchant name, open the hold. The line includes the time, the amount, and whether we expect a post or a release.

How long a hold stays

Card authorisations follow the merchant type: fuel is often a few days, hotels longer. Inbound clearing follows the rail’s weekday. A review hold stays until we have the document we asked for, or until we return the amount if you do not send it.

When a hold ends, Available goes up the same day. You do not need to refresh overnight for a routine card release.

You get

An email if a review hold is opened. That mail says what to send and to which address. We do not ask for a password or a one-time code in that mail.

“A hold is not a hidden fee. The fee, if there is one, is a separate row. If you only see a hold, the money is still yours — it is just not spendable until that line closes.”

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Review holds

A review is usually a name, address, or source-of-funds check on a larger inbound wire. The hold amount is the wire, not a penalty. Send the document from the link in the email so it attaches to the same case.

If we close the review without a credit, the wire is returned to the sender. You will see a return line, not a silent delete.

Phone support can tell you whether a hold is a card, a rail, or a review. They cannot release a card hold before the merchant timetable; that release is automatic.