Understand pending bank transactions
Why some bank rows can be seen but not coded, matched, reconciled, or posted.
Find The Pending Rows
A pending row is bank evidence that has not settled. LedgerHQ shows it so you know it exists, and keeps it out of your accounting work until the bank finalizes it.
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 states the rule directly: these rows are visible only. LedgerHQ waits to code, match, reconcile, or post them until the bank settles them or the 72-hour hold expires.
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
When one leg of a suspected transfer or card payment is pending, the whole pair waits — LedgerHQ will not record half a transfer. Tally picks the pair back up once both sides settle. See How Tally settles transfers and card payments.
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.