I think the term "funds on hold" should be pretty understandable by now it wouldn't even be in hold if you still have full access with the funds you have deposited. To be perfectly clear for you it's not on Coinbase's end on the reason why your funds are still pending to your account. It's your bank's fault for the reason of the delay and it may take up to 5 days before it will be cleared on their end.
actually.... they don't mention you will not be able to use your deposited fiat to purchase any crypto for several days, anywhere in that faq above. Nor in the messages I've received.
Bit.....
I won't be using them in future.
I mean if i could cancel the deposit, then repay with debit card - I would!! but the money has left my account. and is with coinbase.
Coincidentally, they've just removed my deposit limits by credit/debit card.
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Edit:
So they are in my coinbase.com account - but i can't transfer them into Pro.coinbase. for 5 days. i think. Which renders it useless as no trading tools...
In GDAX under deposit GBP and in my coinbase wallet tab I have;
Your Holds
Total balance: £xxx
Funds on hold: £xxx
Available to deposit: £0
Just isn't available but it's there.