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Basic Account
A Halifax Basic Account may be available if you don’t meet the conditions for one of our other current accounts.
This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
The Halifax brand is changing to Lloyds
Learn about the brand change and how it affects Halifax current accounts.
Bank on Lloyds for your next current account
Halifax and Lloyds are part of the same family of brands. You’ll find a wide range of current accounts with the same great service from the people you know and trust.
Already started an application? Check the email you received for details on how to finish opening your Halifax current account. You'll have 14 days to do this from the date you started.
Features of this account
For more information and terms and conditions for this Account read the Bank Account Getting Started Guide (PDF, 1.07 MB).
Open an account today
You cannot apply for a Basic Account directly
You will need to start the application process for a current account with us, and we will run a soft credit search to check your details.
This won’t impact your credit score or your ability to apply for credit in the future.
If you're using the Halifax app
If you’re using the Lloyds app - head to Lloyds for your next current account.
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We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take 7 working days. As your new current-account provider we offer the following guarantee.
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your direct debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
