It can look confusing if your net deposit limit goes “negative,” but this simply reflects how rolling deposit limits work. Because the system always looks exactly (for example) seven days back from right now, earlier deposits don’t drop off until to‑the‑minute seven days have passed. In certain cases, you can temporarily appear to be over your limit.
Example
Below is a step‑by‑step example using a £100 weekly (7‑day) deposit limit. Notice that at the time each deposit was made, the account was still under the £100 limit, so it was allowed. Later, one of the withdrawals that had been offsetting the total drops out of the 7‑day window, making the “Net Deposit (Last 7 Days)” jump above £100 and causing a negative available limit—even though the system never actually let the user deposit over £100.
Scenario
Weekly Deposit Limit: £100
Rolling Period: Exactly 7 days (to the minute)
Date/Time | Action | Amount | Net Deposit After Action | Why It’s Allowed/What Changes |
29 Jan 09:00 | Deposit | £60 | £60 | First deposit: total is £60, under the £100 limit. |
30 Jan 09:30 | Withdrawal | –£20 | £40 | A £20 withdrawal lowers net deposit to £40. |
30 Jan 10:00 | Deposit | £50 | £90 | Second deposit: net deposit is now £90 (< £100). |
31 Jan 08:00 | Deposit | £10 | £100 | Total deposits in the last 7 days = £120 minus £20 withdrawal = net £100. |
(No transactions until 5 Feb 09:00) | (7 days pass since the 29 Jan 09:00 deposit) |
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| At 5 Feb 09:00, the 29 Jan deposit “ages out” (it’s >7 days old) and no longer counts. The net deposit is now recalculated from 30 Jan onward. |
5 Feb 09:00 | (Deposit from 29 Jan 09:00 drops off) | n/a | £40 | Now only the 30 Jan 09:30 withdrawal (−£20), 30 Jan 10:00 deposit (+£50), and 31 Jan 08:00 deposit (+£10) remain in the 7‑day window → net £40. |
5 Feb 09:05 | Deposit | £59 | £99 | Current net deposit is £40 + £59 = £99, still under £100, so it’s allowed. |
(No transactions until 6 Feb 09:30) | (7 days pass since the 30 Jan 09:30 withdrawal) |
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| At 6 Feb 09:30, the 30 Jan 09:30 withdrawal also drops off and no longer offsets your deposits. |
6 Feb 09:30 | (Withdrawal from 30 Jan 09:30 drops off) | n/a | -£19 | Now the last 7 days only include the 30 Jan 10:00 deposit (£50), 31 Jan 08:00 deposit (£10), and 5 Feb 09:05 deposit (£59) → total £119. That’s £19 over the £100 limit, so the “available limit” may show as –£19. |
Why Does It Show a Negative Limit After the Fact?
You Were Never Allowed to Deposit Above £100 at the Time
Each time you clicked “Deposit,” your net total was within £100. That’s why the payment went through.Rolling Windows Drop Off Older Offsetting Transactions
In this example, that extra £20 withdrawal (on 30 Jan 09:30) eventually left the 7‑day window at 6 Feb 09:30, so you lost the offset that had been reducing your net deposit total.The System Recalculates to the Exact Minute
The moment an older transaction is more than 7 days old, it no longer counts—instantly changing your net deposit total.
So, if you see a negative amount (like –£19), it usually means an older withdrawal or deposit has just dropped out of the 7‑day window, causing your net deposits (still within the window) to total more than £100. However, you were not actually allowed to deposit beyond your rolling limit at the time you made each transaction. The “negative” just reflects how the totals shake out once some previous offsetting transaction is no longer in the last 7 days.