It shows the balance that is available for spending to the end-user. This balance reflects the balance and includes any pending transactions* and overdraft.
It shows the balance after all payments that have been processed. This will not include any pending transactions, which is why end-users may see a discrepancy between their 'Available' and 'Current' balances.
⚠️ Some banks do not return an available balance in their online channels, meaning that available and current balances will be the same - unless overdraft is applied.
If you need more information
Have a look at our TrueLayer Docs under Retrieve Account Balance for more information.