In reply to Neil Williams:
I suppose there is logic in them not providing it like you describe. However, if I'm honest I prefer the Santander system of showing Current and Available balance as it helps with not going in to the over draft etc. I have fell foul of the Co-Op system once before.
As an example of todays transactions(not actual Account balance figures but real transactions)
My Santander account 'Current' balance at the start of today and right now reads £100. I purchased £20 petrol this afternoon and purchased something online for £15. The Available balance now reads £65.
My Co-OP balance read £100 at the start of today, I spent £60 on it in the supermarket and my online balance still reads £100. I can only get the available balance of £40 if I go to the cash point. The CoOp online balance system does not take in to account pending transactions which is pretty poor and out dated.
For me I definitely prefer the more up to date Santander system.