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Authorizations: When merchants reserve an amount on your N26 card

Funds are reserved immediately, the actual deduction happens later.

True in all regions.

When an authorization occurs, the payment network checks in realtime whether your card is good for the amount requested. Those are often small amounts that are immediately credited again after the authorization. Merchants just want to check whether the card used actually exists.

In other cases, merchants reserve a certain amount on your card. This could be the final amount due or a theoretical maximum amount – for example at self-service gas stations.

After such an authorization, and depending on the transaction type, the merchant has up to 12 business days to request the amount due. If that doesn’t happen, the authorization expires, and the amount reserved is added to your balance again.

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