Your available balance is the total amount of money in your account that you can use for purchases and withdrawals. It takes your account balance and subtracts and pending transactions or holds from your account balance. Your available does not show deposits which haven't posted.
You should always use your available balance to determine how much money you have available for purchases and withdrawals. Otherwise, you might try to make a purchase for more than you have available and your purchase will be declined.
Your available balance reflects purchases you made that have been authorized, but have not cleared your account. Your available balance may also reflect returns that have been made, but not posted to your account. Your account balance, on the other hand, reflects ALL of your money, including available funds plus any funds that are currently being held for pending transactions.
You do not need to maintain a certain available or account balance on your Klover Spending Account. Klover does not charge any fees for using your account, but if you do use your digital debit card to spend internationally, Visa will assess a 1% charge on purchases made internationally.
There are some limits on your account.