Balances

Your balance represents the funds available within your Nova account. Depending on the services available to you, your account may include one or...

Your balance represents the funds available within your Nova account. Depending on the services available to you, your account may include one or more balances in different currencies.

Understanding how your balances work will help you manage payments, transfers, and other financial activities more effectively.

Types of Balances

Depending on your account and the services available, you may see one or more of the following balance types.

Balance	Description
Available Balance	Funds that are immediately available for payments, transfers, or other supported transactions.
Pending Balance	Funds that are awaiting processing before becoming available.
Multi-Currency Balances	Separate balances maintained for different supported currencies.

Not all accounts will display every balance type.

Available Balance

Your available balance represents the funds that can currently be used within your account.

This balance may be used for activities such as:

Sending payments
Transferring funds
Making eligible card purchases
Buying supported digital assets
Currency exchange

If your available balance is lower than expected, some funds may still be processing.

Pending Balance

Certain transactions require additional processing before funds become available.

Examples include:

Recently received payments
Bank transfers in progress
Card settlements
Transactions awaiting confirmation

Pending funds will generally become available once processing has been completed.

Multi-Currency Balances

If your account supports multiple currencies, each currency is maintained separately.

For example, your account may contain balances in:

The currencies available depend on your account configuration and regional availability.

How Your Balance Changes

Your balances are updated automatically whenever eligible activity occurs.

Examples include:

Receiving a payment
Sending money
Completing a bank transfer
Making a card purchase
Exchanging currencies
Receiving rewards
Buying or selling digital assets

Each completed transaction is reflected in your transaction history.

Keeping Track of Your Balances

Regularly reviewing your balances helps you:

Confirm incoming funds.
Ensure sufficient funds are available before making payments.
Monitor spending activity.
Identify unexpected changes.
Manage multiple currencies more effectively.

Frequently Asked Questions

Why is my available balance lower than my total balance?

Some funds may still be pending while a transaction is being processed.

Why do I have separate balances for different currencies?

Funds are maintained separately for each supported currency. Currency conversion is only performed when you choose to exchange funds or when required by a transaction.

How often are balances updated?

Balances are updated automatically as transactions are processed and completed.

Can my balance become negative?

Whether negative balances are permitted depends on your account type and the services available to you.

Your balances provide a real-time view of the funds available within your Nova account. Understanding the difference between available and pending funds helps you manage your money confidently and avoid unexpected delays when making payments or transfers.