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Banks with known issues handling pre-authorisation charges
Banks with known issues handling pre-authorisation charges
Updated over a year ago

When you place an order with buymie, the payment system we use places a temporary hold called a pre-authorisation charge on your bank account for slightly more than your order's expected total cost.

See more information about pre-authorisation charges by clicking here.

We use this system to allow for changes in your final cost due to extra items added after purchase or in-store price changes due to substitutions. Twelve hours after your order is delivered, we ask your bank to send us some or all of the amount guaranteed with the pre-authorisation hold.

What's the issue?

We've received reports from some customers that certain banks don't differentiate between a pre-authorisation charge and an actual settled payment which can result in a pending charge appearing on your account for 5-7 business days in addition to the settled payment.
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Banks with this issue in Ireland:

  • Permanent TSB

Banks with this issue in the UK:

  • National Westminister

Other banks with this issue:

  • Caixa Bank

How to avoid experiencing this:

If you plan on shopping with us and have a debit or credit card from one of the banks listed above, please consider using a different card provided by another financial institution or fintech company.

I've encountered this issue. What should I do?

If you have used a credit/debit card provided by one of the banks listed above on a recent order and can see an extra pending charge on your bank account, don't worry, you don't need to do anything to have this issue resolved.
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Your bank will automatically release this erroneous pending charge once their set timeline for pending payment collection has elapsed. This can range from 5-7 business days.
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I'm afraid that buymie, unfortunately, can't speed up this process as the error is not visible within our systems and only appears due to the banks handling of pre-authorisation charges.

Having Trouble?

Contact us in-app or send a message to our support team at support@buymie.eu.

We are here to help you with any issue you may have and will do our best to get it resolved as quickly as possible.

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