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Banks with known issues handling pre-authorisation charges
Banks with known issues handling pre-authorisation charges
Updated over a week 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.
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.
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.
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

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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