Pending transaction

A pending transaction has been authorized but hasn't fully posted to your account yet.

By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy

What is pending transaction?

A pending transaction has been authorized but hasn't fully posted to your account yet.

Pending amounts can change (for example, restaurant tips or gas holds), so final totals may differ slightly.

Why your spending looks twice as high as it is — and how to fix it.

Why some charges change, disappear, or take days to show up.

Connect your accounts and MonthlyIQ explains your month — what's due, what changed, and what's left.

General information only, not financial, tax, or legal advice. MonthlyIQ is not a bank or financial adviser.