Does yyour e-banking interface makes a distinction between : - funds locked (like advance payment for a hotel, or insurance deposit for vehicle rental) - funds actually withdrawn (the money arrived on the other party's account) The first only reduces the limit of what you can buy with your card, the money doesn't actually leave your account. In my case, the IGG campaign only switch from the former to the later quite recently. I.e.: The campaign donation got locked on my account on the day pledged it. The total I could further spend with my card was reduced by this amount on the moment I pledged it to campaign. But my bank confirmed the fund transfer only recently.