diff --git a/src/common/modules/notification/listeners/transaction-notification.listener.ts b/src/common/modules/notification/listeners/transaction-notification.listener.ts
index 7faec7e..45a44ea 100644
--- a/src/common/modules/notification/listeners/transaction-notification.listener.ts
+++ b/src/common/modules/notification/listeners/transaction-notification.listener.ts
@@ -105,39 +105,59 @@ export class TransactionNotificationListener {
       const amount = transaction.transactionAmount;
       const merchant = transaction.merchantName || 'merchant';
       
-      // Fetch account by reference number to get fresh balance (bypasses entity cache)
-      // This ensures we get the updated balance after the transaction
+      // For child top-up notifications, show card.limit (newAmount) instead of account balance
+      // card.limit represents the total spending limit on the card after the transfer
       let balance = 0;
       let accountCurrency: string | undefined;
       
-      try {
-        // Reload card to get account reference
-        const cardWithUpdatedBalance = await this.cardService.getCardById(card.id);
-        if (cardWithUpdatedBalance?.account?.accountReference) {
-          // Fetch by reference number to get fresh balance from database
-          const account = await this.accountService.getAccountByReferenceNumber(
-            cardWithUpdatedBalance.account.accountReference
-          );
-          balance = account.balance;
-          accountCurrency = account.currency;
+      if (isTopUp) {
+        // For top-up: show card limit (newAmount from transfer response)
+        try {
+          // Reload card to get updated limit
+          const cardWithUpdatedLimit = await this.cardService.getCardById(card.id);
+          balance = cardWithUpdatedLimit.limit || card.limit || 0;
+          accountCurrency = cardWithUpdatedLimit.account?.currency || card.account?.currency;
           this.logger.debug(
-            `[Child Notification] Fetched account by reference - balance: ${balance} ${accountCurrency}`
+            `[Child Top-Up Notification] Using card limit (newAmount) - limit: ${balance} ${accountCurrency}`
           );
-        } else {
-          // Fallback: use card's account balance
-          balance = cardWithUpdatedBalance.account?.balance || card.account?.balance || 0;
-          accountCurrency = cardWithUpdatedBalance.account?.currency || card.account?.currency;
-          this.logger.debug(
-            `[Child Notification] Using card account balance - balance: ${balance} ${accountCurrency}`
+        } catch (error: any) {
+          this.logger.warn(
+            `[Child Top-Up Notification] Could not reload card: ${error?.message}. Using card limit from event.`
           );
+          balance = card.limit || 0;
+          accountCurrency = card.account?.currency;
+        }
+      } else {
+        // For spending: show account balance
+        try {
+          // Reload card to get account reference
+          const cardWithUpdatedBalance = await this.cardService.getCardById(card.id);
+          if (cardWithUpdatedBalance?.account?.accountReference) {
+            // Fetch by reference number to get fresh balance from database
+            const account = await this.accountService.getAccountByReferenceNumber(
+              cardWithUpdatedBalance.account.accountReference
+            );
+            balance = account.balance;
+            accountCurrency = account.currency;
+            this.logger.debug(
+              `[Child Spending Notification] Fetched account by reference - balance: ${balance} ${accountCurrency}`
+            );
+          } else {
+            // Fallback: use card's account balance
+            balance = cardWithUpdatedBalance.account?.balance || card.account?.balance || 0;
+            accountCurrency = cardWithUpdatedBalance.account?.currency || card.account?.currency;
+            this.logger.debug(
+              `[Child Spending Notification] Using card account balance - balance: ${balance} ${accountCurrency}`
+            );
+          }
+        } catch (error: any) {
+          this.logger.warn(
+            `[Child Spending Notification] Could not fetch account by reference: ${error?.message}. Using card account balance.`
+          );
+          // Fallback: use card's account balance
+          balance = card.account?.balance || 0;
+          accountCurrency = card.account?.currency;
         }
-      } catch (error: any) {
-        this.logger.warn(
-          `[Child Notification] Could not fetch account by reference: ${error?.message}. Using card account balance.`
-        );
-        // Fallback: use card's account balance
-        balance = card.account?.balance || 0;
-        accountCurrency = card.account?.currency;
       }
       const currency = getCurrency(
         accountCurrency,
@@ -362,13 +382,16 @@ export class TransactionNotificationListener {
       const amount = transaction.transactionAmount;
       
       // Fetch parent account by reference number to get fresh balance (bypasses entity cache)
-      // This ensures we get the updated balance after the transfer
+      // For parent notification, show available_balance = balance - reserved_balance
       let parentAccountBalance = 0;
+      let parentAccountReservedBalance = 0;
       let parentAccountCurrency: string | undefined;
+      let availableBalance = 0;
       
       if (card.parentId) {
         try {
           // Get parent's card to access their account reference
+          // card.parentId is the parent's CUSTOMER ID
           const parentCard = await this.cardService.getCardByCustomerId(card.parentId);
           if (parentCard?.account?.accountReference) {
             // Fetch by reference number to get fresh balance from database
@@ -376,24 +399,28 @@ export class TransactionNotificationListener {
               parentCard.account.accountReference
             );
             parentAccountBalance = parentAccount.balance;
+            parentAccountReservedBalance = parentAccount.reservedBalance;
+            availableBalance = parentAccountBalance - parentAccountReservedBalance;
             parentAccountCurrency = parentAccount.currency;
             this.logger.debug(
-              `[Parent Top-Up] Fetched parent account by reference - balance: ${parentAccountBalance} ${parentAccountCurrency}`
+              `[Parent Top-Up] Fetched parent account by reference - balance: ${parentAccountBalance}, reserved: ${parentAccountReservedBalance}, available: ${availableBalance} ${parentAccountCurrency}`
             );
           } else {
             // Fallback: try by customer ID
             const parentAccount = await this.accountService.getAccountByCustomerId(card.parentId);
             parentAccountBalance = parentAccount.balance;
+            parentAccountReservedBalance = parentAccount.reservedBalance;
+            availableBalance = parentAccountBalance - parentAccountReservedBalance;
             parentAccountCurrency = parentAccount.currency;
             this.logger.debug(
-              `[Parent Top-Up] Fetched parent account by customer ID - balance: ${parentAccountBalance} ${parentAccountCurrency}`
+              `[Parent Top-Up] Fetched parent account by customer ID - balance: ${parentAccountBalance}, reserved: ${parentAccountReservedBalance}, available: ${availableBalance} ${parentAccountCurrency}`
             );
           }
         } catch (error: any) {
           this.logger.warn(
             `[Parent Top-Up] Could not fetch parent account for customer ${card.parentId}: ${error?.message}. Using child account balance as fallback.`
           );
-          parentAccountBalance = card.account?.balance || 0;
+          availableBalance = card.account?.balance || 0;
           parentAccountCurrency = card.account?.currency;
         }
       } else {
@@ -407,32 +434,37 @@ export class TransactionNotificationListener {
                 parentCard.account.accountReference
               );
               parentAccountBalance = parentAccount.balance;
+              parentAccountReservedBalance = parentAccount.reservedBalance;
+              availableBalance = parentAccountBalance - parentAccountReservedBalance;
               parentAccountCurrency = parentAccount.currency;
               this.logger.debug(
-                `[Parent Top-Up] Fetched parent account via customer relation (by reference) - balance: ${parentAccountBalance} ${parentAccountCurrency}`
+                `[Parent Top-Up] Fetched parent account via customer relation (by reference) - balance: ${parentAccountBalance}, reserved: ${parentAccountReservedBalance}, available: ${availableBalance} ${parentAccountCurrency}`
               );
             } else {
               const parentAccount = await this.accountService.getAccountByCustomerId(parentCustomer.id);
               parentAccountBalance = parentAccount.balance;
+              parentAccountReservedBalance = parentAccount.reservedBalance;
+              availableBalance = parentAccountBalance - parentAccountReservedBalance;
               parentAccountCurrency = parentAccount.currency;
               this.logger.debug(
-                `[Parent Top-Up] Fetched parent account via customer relation - balance: ${parentAccountBalance} ${parentAccountCurrency}`
+                `[Parent Top-Up] Fetched parent account via customer relation - balance: ${parentAccountBalance}, reserved: ${parentAccountReservedBalance}, available: ${availableBalance} ${parentAccountCurrency}`
               );
             }
           } catch (error: any) {
             this.logger.warn(
               `[Parent Top-Up] Could not fetch parent account via customer: ${error?.message}. Using child account balance as fallback.`
             );
-            parentAccountBalance = card.account?.balance || 0;
+            availableBalance = card.account?.balance || 0;
             parentAccountCurrency = card.account?.currency;
           }
         } else {
-          parentAccountBalance = card.account?.balance || 0;
+          availableBalance = card.account?.balance || 0;
           parentAccountCurrency = card.account?.currency;
         }
       }
       
-      const balance = parentAccountBalance;
+      // Use available_balance for parent notification (balance - reserved_balance)
+      const balance = availableBalance;
       const accountCurrency = parentAccountCurrency;
       const currency = getCurrency(
         accountCurrency,