What’s the difference between my actual and available balance?
This is the same way any credit or debit card works. If you spend money, the balance on your bank statement is updated at a later date. The seller may also take up to 30 days to charge your card for your purchase. For these reasons, sometimes the balance stated on your card/account and the payments listed on your account might not match.
Your actual balance is the amount of money in your account without taking into consideration any pending transactions.
The available balance is your actual balance, adjusted for any pending transactions that have not yet been fully processed.