: Is there a way to immediately see credit card transactions in a mobile app? The Simple app immediately shows transactions as they are made. I'd love to have this for my credit card too. I think I can get 80% of what I want

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It depends on the bank and the transaction. Technically, as opposed to what MrChrister said, the credit card transaction doesn't necessarily get reported to your card issuer when it happens. Some transactions get authorized, and then you see them in the "pending" list, some don't.

They post on your account when the transaction actually arrives to the issuer, which in some cases takes days after it had actually occurred. Credit card companies process transactions on a daily basis, and transfer to the counterparts. If there are several steps on the way (especially common with international transactions), it takes at least a couple of days until the transaction reaches your bank.

Debit cards (as the "simple" in your example) work differently. The transaction has to be authorized by your bank, thus it has to be known to your bank as it happens, and will be put in the pending list immediately.

You shouldn't expect credit cards to behave as debit cards. The whole point is that they don't.

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In simple terms the credit card company has to decide to expose that data to you. They can decide to show pending transactions, or they can wait until the transaction is final.

It can be debated if they have to approve each transaction, but they get to decide when you can see the transaction.

You might be viewing the data on a webpage or on a mobile device, but you can only see what they expose.