available balance
[əˈveɪləbl ˈbæləns]
nounpl: available balances
saldo disponível
1. The amount of money in a bank account that is accessible for immediate withdrawal or use, excluding pending transactions, holds, and minimum balance requirements
My available balance is $2,500, but my account balance shows $3,000 because $500 is on hold.
Meu saldo disponível é de R$ 2.500, mas o saldo da conta mostra R$ 3.000 porque R$ 500 está bloqueado.
2. In banking, the funds that can be spent immediately without delay or restrictions
Check your available balance before making a large purchase to ensure you have sufficient funds.
Verifique seu saldo disponível antes de fazer uma compra grande para garantir que você tenha fundos suficientes.
In both American and Brazilian banking contexts, understanding the distinction between 'available balance' and 'account balance' is crucial for avoiding overdrafts. American banks often place holds on deposited checks, making this distinction particularly important. In Brazil, the term 'saldo disponível' is standard across all major banks (Banco do Brasil, Caixa, Bradesco, Itaú) and appears regularly on banking apps and statements.
Related Idioms & Phrases
check your available balance
available balance differs from account balance
available balance is not sufficient
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