How to transfer current balance to available balance unionbank?

Practical walk-through from my experience: I once saw a salary credited but the available balance didn't reflect it because the employer used a delayed crediting scheme. Steps I followed: (a) open UnionBank app → Accounts → choose the account → view pending transactions; (b) expand the pending entry to see the reason (cheque, card hold, interbank settlement); (c) if it’s a card hold, call the merchant or wait 24–72 hours as most authorisations auto-release; (d) if it’s a cheque, note the clearing timeline shown and plan accordingly.

If it’s urgent, contact UnionBank support via in-app chat or phone, provide transaction IDs, and they can confirm if there’s any action possible. Banks sometimes expedite releases for genuine emergencies, but policy varies. Bottom line — ledger ≠ available; understand holds and contact the bank if the pending item looks wrong.

Short answer: You cannot manually "transfer" a current (ledger/pending) balance to the available balance — the bank updates your available balance automatically once pending holds or uncleared transactions settle. However, there are steps and checks you can do to speed up or understand the process.

When you see a current/ledger balance higher than the available balance, it usually means some transactions (deposits or card refunds) are still on hold or deposits haven't cleared, or there are authorisations (like card pre-authorisations) that reduce the available amount. For example, if you deposit a cheque, the ledger may show it immediately but the available balance waits until the cheque clears per bank clearing times. Similarly, card authorisations (hotels, fuel stations) temporarily reduce availability until the merchant completes settlement.

What you can do practically: (1) check the transaction details and pending items in the UnionBank mobile app or internet banking — the app usually tags which items are "pending"; (2) call or chat with UnionBank customer support to ask if any hold can be released (sometimes holds from specific merchants can be settled faster by contacting them); (3) avoid initiating transfers relying solely on ledger balance — use the available balance for outgoing transfers to prevent failed transactions. If you suspect an incorrect hold, raise a dispute with the bank and they can investigate and potentially release the hold sooner.

Hey there! I've been with UnionBank for a while, and if you're talking about a credit card, the "Current Balance" and "Available Balance" difference usually isn't something you "transfer" manually. * The Current Balance is the total amount you owe right now, including all posted and pending transactions. * The Available Balance is your credit limit minus your current balance and any pending transactions. The only way to increase your available balance is by making a payment on your credit card. Once your payment posts (which can take a day or two, sometimes less if it's an immediate payment channel), your Current Balance will decrease, and your Available Balance will automatically increase by the same amount. If you're talking about a savings or checking account, the "Current" and "Available" balances might differ temporarily due to a hold on a cheque deposit or a pending interbank transfer. In that case, you just have to wait for the hold to clear, and the funds will move from "Current" to "Available" automatically.

I think there might be a misunderstanding of how bank balances work, especially with credit cards. You can't just move money from "Current Balance" to "Available Balance" because the Current Balance is the money you owe the bank! The Available Balance is your spending power. It's already been calculated for you. To get more available balance, you absolutely must pay down your debt (Current Balance). If you're talking about a deposit account, and you see a difference, it's usually because some funds are on hold. You should contact UnionBank's customer service or check their online banking portal's FAQ to understand the exact nature of the hold on your account. They can give you the precise reason and the timeframe for when the funds will be released.