Actual Balance is the amount of money that is in the account; for example in the image below the account shows $37.64
Available Balance is the amount of money that is in the account after all pending transactions have cleared; for example in the image below the account shows $32.64.
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If you were to select the activity button (1), you can see that there is a hold for $5.00. Although you have $37.64 (Actual Balance); you only have $32.64 (Available Balance) [2] available to use.
