Pending vs. posted transactions, explained
Why some charges change, disappear, or take days to show up.
By the MonthlyIQ team · Last updated 2026-09-28 · Editorial policy
Key takeaways
- Pending is authorized but not settled.
- Amounts can change before posting.
- Posted transactions are final.
What pending means
The merchant has authorized the charge but it hasn't settled. It reduces your available balance.
Why amounts change
Tips, fuel pre-authorizations, and hotel holds are common examples where the final amount differs.
How MonthlyIQ handles it
Pending transactions are marked, and the final posted amount replaces them once your bank settles the charge.
See your own numbers
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.