Moving money from Bank A to Bank B

Today's digital banking transaction

As I am in the process of moving my salary account from Bank A to Bank B, I realised there was too much cash in Bank A and I might as well move it to the new account with Bank B.

So let's try and do this from my desk at work (client site at Bank C), ok Bank A doesn't have a banking app so log on to internet banking for Bank A. My balance is displayed so decide to move all but the pence,  I have already set up the account details from A to B so select the correct settlement details from the list and key in the amount. Internet banking site A warns me I have insufficient funds and then I realise that Bank A only provides cleared balance and no obvious way to check what available balance is. So, I decide to pop outside and find an ATM and do a balance check which will show my available balance, it is lunchtime so Bank C will be ok about me having10 minutes away from my desk.

Bank C doesn't have an ATM inside or out of this office block so 100 metres down the street to Bank D. There is a que at Bank D's external ATM, so I opt to pop inside the branch to use an internal ATM, ah no internal ATM (there is a paying in machine, 6 or so cashiers and a massive que) ok pop outside again look along the other side of the branch D and there is another ATM with que. Not having this so toddle off down the street to convenience store E.

Que at ATM E but I decide to wait. ATM E charges for withdrawals £1.95 but it's ok I only want to check my balance (no charge for that). So hallelujah I find my available balance and there is roughly a 30 quid transaction pending. Poddle back to the office as internet banking is best done from a computer.

OK this time I sit down and hey presto I can make the payment, albeit that Bank A is only a second tier member of FPS and does several payment runs a day, one of the reasons I am off to Bank B, and so there is no point expecting it to get there in the next 4 minutes. OK time to get on with the afternoons work.

Just before leaving for the day I check my banking app from Bank B and sure enough the funds are there and I am pleased to note Bank B's app tells me the cleared balance and the available balance, fabulous! Then I notice that there is 1 pence difference between my available balance and cleared balance surely I don't have a 1p transaction pending?  Start chatting to esteemed Fin Tech colleagues and Colleague F says it'll be a rounding difference between the two bits of code that calculate the cleared and the available balances. Sounds a bit far fetched to me so check full statement (on App B) and sure enough I bought something from Amazon and the merchant has transacted in dollars so there is an exchange rate involved and so we figure Colleague F is right and it's the Amazon dollar transaction rounded differently. I wonder how long before the penny reconciles. Perhaps I should drop a note to some mates in Walldorf, but then perhaps I should get a life.