Amount on hold

Amount on hold

Learn why an amount can be on hold in your account

Learn why an amount can be put on hold in your account and what you can do about it.

Amount on Hold

The Bank may temporarily hold a certain amount in your account during which time you will not have access to the funds.

The most common reasons for holding an amount are:

Debit and Credit Card Purchases

When you authorise a payment or purchase with your debit or credit card, the transaction amount is put on hold until claimed by the merchant. If the merchant fails to do so, the money will be refunded to the account or credit card. The merchant has 30 days to claim funds for debit card transactions and 12 days for regular POS credit card transactions. A pre-authorised transaction maintains hold for 7 days for both credit and debit cards.

Liability Payments

If you have a credit card or other financing facility from the bank where your salary is being credited, the bank may place a hold on your account for credit card payments and finance installments a few days before the actual monthly installment date. This hold is usually not released and the amount on hold is used to recover credit card or finance payment on the due date.

End of Service Benefits

Access to your End of Service benefits will be put on hold or restricted if you have liabilities with the Bank.

Pre-authorisation Holds

Pre-authorisation holds are most common at car rental companies, gas stations and hotels. The merchant initially places a certain amount on hold. Once you have completed your transaction and made your final payment, the initial amount placed on hold will be released into your account or credit card.

The process of pre-authorisation release (in this case a hotel) is as follows:

  1. You give your card to the concierge. The concierge puts an amount on hold (e.g. AED 200)
  2. The hotel sends the pre-authorisation request. If approved, you book the room for 2 nights
  3. After 2 nights, you check out and make the final payment which includes the room and other amenities
  4. The hold amount of AED 200 is released

Court Orders

The court may instruct the Bank to place hold on certain amounts related to cases involved by the customer. And these holds can only be released upon a new order by the court.


Transactions can be debited twice if the merchant accidently swipes the card twice, or if you receive an error message during an online transaction and you attempt again, but both amounts have been debited.

In such cases, you can contact our Call Centre on +971 600 599 995.

Your pre-authorisation hold will be cleared once you have completed your transaction with the merchant by making your final payment.

The funds will then be released and may take up to 2 working days to be credited to your account.

This could be because the amount is only put on hold and the merchant is yet to claim it. Once the merchant claims it, the transaction will show in your online/mobile banking transaction history.