Receiving and sending funds

Take a look at the quick and easy money transfers available from your Halifax current account.

If you register for online banking, you'll be able to transfer money between your accounts online, as well as pay your bills or set up standing orders.

Register or sign in now to online banking.

Regular debit card payments

CHAPS

Find out more about:
Sending money abroad
Receiving money from abroad

The table below explains when you can take money out of your account after paying in cash, cheques or automated payments. Your deposit receipt will tell you the withdrawal date.

*2pm if using an Immediate Deposit Machine in Northern Ireland.

'Working day' – any day between 9am and 5pm which is not a Saturday, Sunday or English bank or public holiday.

Special arrangements apply to paying in:

• cash in foreign currencies
• cheques in foreign currencies or from foreign banks
• cash or cheques paid in at some of our agencies in the UK, or
• cash or cheques paid in at any agencies outside the UK. 

For more information, please ask at any branch.

If you pay a cheque into your account and we let you take some or all of its value out of your account, this does not mean that the cheque has been paid by the paying bank. If the cheque is returned to us without it being paid we may take the amount of the cheque out of your account, unless more than six working days have passed since the day you paid in the cheque. This is more commonly known as 'certainty of fate '. After six working days we can only take the amount of the cheque out of your account if you have been a knowing party to fraud.

If you want to be sure that a cheque has been paid in or out of your account before six working days have passed, you should ask us to deal with the cheque by our ‘Special Presentation’ service. If you use this service and we confirm to you that the cheque has been paid, you can be sure that the funds are available for withdrawal. You should use this service if it is very important for you to know that the cheque has been paid, for example if the cheque has a high value.

Regular debit card payments

Pay regular bills automatically, such as magazine subscriptions or insurance, using your debit card. You agree the payments with the company or organisation, often by telephone. If you need to cancel a payment, you'll need to speak directly to the organisation that set it up.

Electronic UK transfers

Pay your Halifax credit card

As a Halifax current account customer, you have two options to quickly pay your Halifax credit card:

• Pay using your debit card.
• Transfer the money to pay your bill online or by telephone.

CHAPS payment

CHAPS (Clearing House Automated Payments System) is a method of sending usually high-value payments (for example, to buy a car).

Payments are guaranteed to arrive safely and securely, and cost only £25 each.

To send a CHAPS payment you'll need the receiving account name, number and sort code.

The funds will arrive at the destination bank on the same day if we receive your instruction before 2.45pm on a working day.

CHAPS payments can only be done in branch unless your account is a Halifax Premium Savings Direct or a Halifax ISA Direct account. Halifax Premium Savings Direct and Halifax ISA Saver Direct customers can also make CHAPS payments over the phone, with a cut off for same day payments of 1.30pm.

You can also receive funds into your account by CHAPS transfer. We will credit your account with cleared funds the same day if we receive them before 4pm; otherwise the funds will be credited the next working day.

The sending bank should quote your account number and sort code.

Without these, or if any incorrect details are provided, we cannot credit your account and may return the funds to the sending bank.