What are the account balance types?

  • Account balances indicate the total amount available in accounts. You can check your organisation’s current balances in Commercial Banking Online by viewing a bank account summary or by viewing an accounts and balances summary that contains the groups of accounts in which you are interested.

    Current Cleared Balance

    The balance on which any overnight interest will be calculated (assuming no further transactions before close of business), i.e. the current balance minus any uncleared funds not due to clear today. 

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    Current Ledger Balance

    The live ledger balance, including all transactions processed during the current business day (includes cheques lodged, but not yet cleared).

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    Current Available Balance

    The cleared funds available for payments to third parties.


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    Uncleared Funds

    Cheques paid in over the last few days still waiting to be cleared (includes funds clearing today).

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    Closing Cleared Balance

    The Closing Cleared Balance excludes any transactions that haven’t cleared on the account during the business day.


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    Closing Ledger Balance

    The Closing Ledger Balance includes any transactions that occurred during the business day, whether they are cleared or not.


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Lloyds Banking Group includes companies using brands including Lloyds Bank, Halifax and Bank of Scotland and their associated companies. More information on Lloyds Banking Group can be found at www.lloydsbankinggroup.com