Overview
- A customer said a payment to EE made on January 4 and cancelled on January 5 was still pending on January 12, prompting Nationwide to respond.
- Nationwide said card payments typically remain pending for seven days while awaiting the merchant’s clearing file, calling this a standard industry timeframe.
- If no settlement is received after seven days, the society stops reserving the money and the pending entry is removed, restoring the available balance.
- Refunds are posted once the merchant sends them, with merchants commonly quoting five to seven days to process refunds.
- Nationwide warns some current account transactions can take up to 180 days to go through and says customers can dispute payments via branch, contact centre or online.