Home Frequently Asked Questions How Long Does It Take for a Hotel to Charge Your Credit Card or Debit Card

How Long Does It Take for a Hotel to Charge Your Credit Card or Debit Card

When you purchase through our sponsored links, we may earn a commission. By using this website you agree to our T&Cs.

When you’re on vacation, the last thing you want to worry about is how long it will take for your hotel to charge your debit card. You don’t want to have to wait around at the front desk after a long day of travel while they process your payment. 

It usually takes 24 hours for a hotel to charge your debit card after checkout. This can vary depending on the hotel’s policy, so it’s always best to check with them beforehand. 

In this blog, we’ll explore how long it takes for a hotel to charge your debit card, as well as some tips on how you can make the process go more smoothly. So, if you’re planning your next vacation, keep reading!  

How to Pay for Your Hotel Room?

There are a few different options available for paying for your hotel room. If you’re paying with cash, you’ll need to have the exact amount ready when you check-in. The front desk will give you a receipt for your payment, which you’ll need to keep with you during your stay.

If you’re paying with a credit card, you’ll need to provide your card number and expiration date. You may also be asked for a photo ID. The front desk will run your card through a machine to process the payment.

You can also use a mobile app to pay for your hotel room. This is a convenient option if you don’t have cash or a credit card with you. You’ll need to download the hotel’s app and create an account to use this method. Once you’ve done that, you can add your same credit card information and start making payments.

Prepaid Hotel Rooms

You’ll typically pay a set amount upfront when you prepay for a hotel room with a prepaid credit card. This can be done online or over the phone. Once you’ve made your payment, you’ll receive a confirmation number that you can use to confirm your reservation.

However, before prepaying your hotel room, read the fine print. Make sure you understand the terms and conditions of the prepayment, as there may be cancellation fees or other restrictions. Also, you’ll need to provide a valid credit card when you check into your hotel room. Most hotels require a credit card for incidentals, such as room service or laundry.

Room Deposits

Most hotel rooms require a deposit when you book, typically equal to one night’s stay. This deposit helps cover any damages that may occur during your stay and ensures that you have a room reserved for you when you arrive. There are a few different ways to pay for your hotel room deposit.

One option for paying your hotel room fees deposit is that you can charge the deposit to your credit card and then pay it off when your bill arrives. You can also use your debit card if you don’t want to rack up credit card debt.

But if you don’t want to use cards, you can pay by cash. You’ll need to make sure that you have enough money to cover the entire cost of your stay and any taxes and fees. Finally, you can also pay for your hotel room deposit with a check. This is usually only an option if you book your room directly through the hotel, so check their policy before booking.

Temporary Credit and Debit Card Holds

When you check into a hotel, the front desk clerk will likely run your credit or debit card to verify if it’s valid and ensure you have enough funds to cover your stay.

However, sometimes the card issuer puts a temporary hold on your account for the estimated amount of your stay, plus any additional charges that may be incurred (such as room service or laundry). This hold can range from a few hundred dollars to a few thousand, depending on the length of your stay and the type of room you book. 

When Does a Hotel Charge Your Card?

A hotel will charge your card when you make a reservation, check-in, or check out. The hotel may still charge your card a fee if you cancel your reservation.

When Does a Hotel Charge Your Card For Room Reservations?

It is not uncommon for hotels to place a hold on your credit card when you make a room reservation. This hold is generally equal to the estimated amount of your stay, including taxes and fees. However, your card may not actually be charged until you check out of the hotel.

Some hotels will charge your credit card immediately upon booking, while others will only charge your card if you fail to show up for your reservation (no-show). If you’re unsure of a hotel’s policy, it’s always best to contact the property directly to inquire.

Can I Be Charged a Fee If I Cancel My Hotel Reservation?

Most hotels will allow you to cancel your reservation without penalty if you do so at least 24 hours in advance of your check-in date. However, some hotels may charge a cancellation fee if you cancel within a certain timeframe or fail to show up for your reservation (no-show).

It’s always best to contact the hotel directly to inquire about their cancellation policy before making a reservation. That way, you’ll know what fees, if any, you’ll be responsible for if you need to cancel your stay.

Understand Bank & Hotel Policies

Policies regarding when a hotel charges your credit card can vary greatly from property to property. In some cases, your card may be charged immediately upon booking; in others, you may not be charged until you check out. Still, other hotels may place a hold on your card for the estimated amount of your stay, but not actually charge the card until you check out.

  • Hotel Cancellation Policy

Most hotels will charge your card when you are booking and checking out. If you cancel your reservation, you may be subject to a cancellation fee (usually one night’s stay), 

  • Incidental Deposits & Extra Fees

Most banks require that you make a deposit when you open an account. This is called an “incidental deposit.” Incidental deposits help the bank account cover any fees or charges you may incur while using your account.

You may also be charged extra fees for services such as ATM withdrawals, overdraft protection, or wire transfers. Be sure to ask about all possible fees before you open an account.


How Long Does it Take For a Hotel to Charge your Debit Card?

It usually takes 24 to 48 hours. This means that if you check out on Monday, your card will most likely be charged on Wednesday. Most hotels will charge your debit card immediately when you check in. However, some may hold the funds until you check out.

If you’re concerned about how long it will take for your hotel to charge your debit card, you can always ask at the front desk when you check in. In most cases, the process is fairly quick and easy. However, it’s always best to be prepared and know what to expect ahead of time.

Can You Pay for a Hotel in Cash?

Yes, you can pay for a hotel in cash. However, you will likely need to provide a credit card to hold the room, as most hotels require a form of payment upon check-in. Additionally, some hotels may require a deposit equal to one night’s stay in order to confirm your reservation. If you’re paying in cash, be sure to have enough on hand to cover any incidental expenses that may come up during your hotel stays, such as room service or laundry.

How Long Does it Take to Release a Hold on a Credit Card?

It can take up to 30 days for a hold on a credit card to be released. This is because the credit card issuer needs to investigate the transaction to ensure that it is legitimate and not fraudulent.

If the transaction is found to be legitimate, then the hold will be released and the funds will be made available to the cardholder. If the transaction is found to be fraudulent, then the hold will remain in place and the cardholder may be liable for the charges.

What Happens When a Hotel Puts a Hold On your Credit Card?

If you’ve ever had a hotel put a hold on your credit card, you may have wondered what exactly happens. When a hotel puts a hold on your credit card account, they are essentially taking out a temporary loan against your credit limit. The funds from the hold are typically used to cover any incidentals that you may charge to your room during your stays, such as room service or laundry.

Once the hold is placed on your card, you will not be able to use those funds for anything else until the hold is released by the hotel. This can usually be done by simply checking out of the hotel and paying your final bill. The hold should then be released within a few days.

When You Book a Hotel Do You Get Charged Right Away?

When you book a hotel room, you will usually be charged for the first night’s stay immediately. This is because most hotels require that you pay for your room in advance. However, there are some hotels that allow you to pay when you check out. If this is the case, then you will not be charged until after you have stayed at the hotel. Be sure to ask about this when you are making your reservation.

When it comes to paying for your hotel room, you will want to be aware of all of the different methods that you can use. Most hotels accept major credit cards, so this is likely the easiest way for you to pay. However, there are also some hotels that accept cash or traveler’s checks. If you are using one of these methods, be sure to have the proper amount of money with you when you check-in.


It takes about two days for a hotel to charge your debit card. This is because the hotel needs time to authorize the charge and then post it to your account.  -If you are staying at a hotel for an extended period of time, be sure to notify the front desk so that they can put a hold on funds from your debit card. This will help prevent any accidental overdrafts.

Some hotels may also require a deposit when you check in. The amount of the deposit depends on the policies of each individual hotel. In some cases, hotels may also place a temporary hold on your credit limit if they suspect fraudulent activity or if there is suspicion of damage to property.

So if you want to avoid any surprises on your bill when you check out, try paying with cash or credit instead of debit.

Our Editorial Standards

At ValueWalk, we’re committed to providing accurate, research-backed information. Our editors go above and beyond to ensure our content is trustworthy and transparent.

Brendan Byrne

Want Financial Guidance Sent Straight to You?

  • Pop your email in the box, and you'll receive bi-weekly emails from ValueWalk.
  • We never send spam — only the latest financial news and guides to help you take charge of your financial future.