Understand pending bank transactions

Find The Pending Rows

A pending row is bank evidence that has not settled. LedgerHQ shows it so you know it exists. Ordinary unmatched pending rows stay held until settlement or expiry of the bank-date hold. Verified transfer and card-payment pairs have the exception described below.

Open the company, select Bank Feeds, and choose the account. The Pending bucket and the Pending at bank panel both list them, with a waiting count badge.

The panel describes ordinary held rows as visible only. LedgerHQ waits to code, match, reconcile, or post them until the bank settles them or the bank date falls outside the seven-day cutoff. Age-based release happens at Eastern midnight after that cutoff; it is not measured from when the row first arrived in LedgerHQ.

Why This Matters

A pending amount often changes before it settles — a restaurant tip, a fuel hold, a hotel authorization. Posting one would put the wrong amount in the ledger and leave you reconciling against a figure the bank never finalized.

Pending rows are also the most common source of duplicate-looking activity. Wait for the settled row rather than coding the pending one.

What To Do

• Usually nothing. The row moves into Ready on its own once it settles.
• Do not create a manual journal entry to record a pending charge.
• Do not treat the pending and settled versions as two transactions.
• If a pending row disappears without settling, the bank dropped the authorization. Nothing is owed to the ledger.

Pending Transfers

Once a transfer or card-payment pair is verified, both legs can post together even while one or both are pending. The app clears their holds and preserves the bank's pending evidence. Settlement then updates the existing rows; it does not create another journal entry for the same pair.

Unmatched or unverified activity retains its hold. Never code the two legs as separate income and expense to get around that wait. See How Tally settles transfers and card payments.

Use the account's tabs and date filters to find the relevant activity:

When To Ask For Help

If a row has been pending far longer than the account's normal settlement time, or you see both a pending and a settled copy of the same charge in Ready, create a support ticket with the company, account, date, amount, and description.

If activity is missing entirely rather than pending, see Find missing bank transactions.