If you review your accounts in Treasury > Accounts and notice that the balance has changed or appears as a negative amount, your bank may be classifying that account as a credit line.
This is expected behaviour and depends on the information your bank sends through the banking aggregation provider.
Below you’ll find the most common questions explained.
Why does the balance of my bank account change in Treasury?
Holded only displays the balance that your bank reports through the aggregation service.
If your bank classifies your account as a credit line, the visible balance is no longer the available money but the consumed balance of that credit line.
This may cause the balance to differ from what you see in your online banking.
Why does my account appear as a “credit line” if I use it as a current account?
The product category is defined exclusively by the information your bank sends through the aggregation provider.
In some cases, the bank may identify a current account as a credit line, and Holded must display it exactly as it is reported.
This is not an error: it simply reflects the official classification your bank assigns to the account.
Why does my balance appear as negative or different from what I see in my bank?
When an account is classified as a credit line, Holded shows the consumed balance, meaning the amount of credit you are currently using.
Because of this:
The balance may appear negative if you have used part of the credit line.
The balance may appear as 0 if you haven’t used any of the credit facility.
Even if you have money in the associated current account, the consumed balance can differ because it represents a different type of data provided by the bank.
What does “I haven’t used the credit facility” mean?
The credit facility (or credit limit) is the amount of credit your bank makes available to you.
If you haven’t used any of that credit, the bank reports a consumed balance of 0, and that is what Holded displays.
This simply means that you don’t owe anything and are not using the credit line.
Can I change the category of my account if I don’t want it to appear as a credit line?
No. The category of the bank product (current account, credit line, loan, etc.) is determined solely by the information your bank sends through the banking aggregation provider.
Holded cannot modify this classification manually.
Do I need to do anything if the balance in Holded doesn’t match what I see in my bank?
No. This difference usually occurs when the bank classifies an account as a credit line, and instead of sending the available balance, it sends the consumed balance.
This is expected behaviour and does not affect the real money in your bank or the normal use of Treasury in Holded.