For the most accurate info, select your Simple account’s partner bank.
Your partner bank is in your card number.
Check the first two digits: “40” means BBVA Compass, “48” means Bancorp. You can also sign in to Simple and check your “Account Numbers” screen.
Why is this transaction more than I paid?
Many transactions have an temporary additional sum, called a tolerance, applied to the base amount while the transaction is pending. This amount is added to ensure there's enough in your account to cover tips, a full tank of gas, or other additional charges.
This authorization will last as long as the transaction is pending. When the transaction settles after a few business days, you'll see the amount you actually paid. For example, say your restaurant bill is $40. You sign for $40 and tip cash, but the pending transaction will include the bill plus an estimated tip: $48 total. As long as the transaction is pending, you'll see $48 in your Activity, but once it settles, the amount will change to $40.
Here are some transaction categories, along with the tolerance amount you might see applied to the authorization:
- Gas - $25.00 or more
- Restaurants - 20%
- Taxi and Limos - 20%
- Bars - 20%
- Car Rental - 15% or more
- Cruise Lines - 15% or more
- Spas and Salons - 20%
- Hotels - 15% or more
Please note: hotel card terminals are occasionally set up to apply extremely high tolerance amounts. Therefore we advise using a credit card for hotel reservations and car rentals.
Why is this transaction less than I paid?
When you swipe your card for some purchases (notably at restaurants, hotels, or places where you might leave a tip) the pending charge will be for the base amount. If you add a tip, the tip will be reflected in your transaction list when the transaction settles.
If you have push notifications enabled, we'll send you a note with our best estimate of the final amount.