Why is my ATM withdrawal pending?

An ATM withdrawal is completed in two parts:

• At the time of withdrawing cash, we deduct the money from your available balance and hold onto it for the merchant to collect, creating a "pending" transaction.
• A few days later, the ATM owner collects the money and "completes" the withdrawal.

We need to allow some time for ATM owners to "complete" a withdrawal, but if they don't collect the money within their timeframe, (generally up to 7 days), we release the money back to your balance.