Manage your accounts

Banking

By managing your bank accounts online you can transfer money between accounts, pay your bills and view your recent transactions and current balance.

For information on how to manage your accounts online, see the Registration, viewing accounts and updating your details and Moving money / paying bills sections.

Viewing your current arranged overdraft limit

If you already have an arranged overdraft on your current account, your current overdraft limit will be shown on your 'My accounts' page.

Increasing an existing overdraft limit

To request an increase to your current overdraft limit simply sign in to the online service. Select your account from the 'My accounts' page. Select 'Change my overdraft limit' then follow the on-screen instructions.

Applying for a new overdraft limit

To request a new overdraft limit simply sign in to the online service. Select the 'Apply' link next to your account from the 'My accounts' page and then follow the on-screen instructions.

If your request is accepted, your new overdraft limit will be available immediately.

If your overdraft request exceeds the amount available to you, a message will appear advising you of your pre-approved guaranteed limit. You can choose to select the maximum pre-approved guaranteed limit or a lower amount and your new overdraft limit will then be immediately available. To request an overdraft amount higher than the guaranteed limit displayed, you’ll need to visit your local branch.

If you would like to reduce your existing overdraft limit, please call us on 08457 20 30 40 (lines are open 24 hours a day, 7 days a week) or alternatively, visit your local branch.

If you have already had an overdraft request declined by us within the last 30 days, please do not re-apply.

Use telephone banking - call 08457 20 30 40

For increased choice in how you do business with us, more privacy or if you are on the move, you can self service your request to apply for a new, or increased, overdraft by using 24hr telephone banking.

Call 08457 20 30 40, keeping your debit card to hand.

Once you have logged in to telephone banking, select:

  • Option 1 (Manage your bank account)

followed by

  • Option 3 (Overdraft enquiry)

By following the simple instructions, you will then be able to apply for an overdraft, and you could have your request approved immediately.

Where your request exceeds the automatic guaranteed amount you will be transferred to a consultant.

Information on our overdraft interest rates and charges are available at Bank account rates and charges.

Credit available subject to status to UK residents aged 18 and over.

If you would like more information about telephone banking, take a look at our automated telephone banking guide (opens as PDF).

Closing your account

For details of how to close one of your accounts, please select the account type below and we will provide you with the information you need:

Bank accounts
Savings accounts
Credit Cards
Mortgages
Loans

Credit Card

Viewing your credit card online

When you sign in to view your credit card online, you will be taken to your 'My accounts' page. To view your credit card transactions select the credit card account from your 'My accounts' page. If your credit card account is not displayed on your 'My accounts' page, see the 'How to add accounts' page.

Viewing your card statements

From 'My accounts' select your Credit Card account and click on 'View Last Statement'.

Your current statement will be displayed - this will not show either your next months payment due date, or the amount of any recent payments, until your statement is updated for the next month.

In addition to recent transactions, you can also view historic transactions by selecting 'Previous Statements'.

Balance Transfers

The minimum transfer amount is £100, and the maximum transfer amount is 90% of your available credit. Balance transfers can take up to 7 working days to complete.

From 'My accounts' select the 'Balance transfer' button next to your credit card account and follow the online instructions.

Any recently requested balance transfers will be shown. These can be cancelled while the request remains pending, after which the balance transfer can no longer be cancelled.

Paying your monthly credit card online from a suitable Halifax account

Select 'Make a payment' from the 'My accounts' page. Select the 'A new recipient' link and select the 'Pay a bill' tab. You'll be asked to provide the bank account details of the receiving organisation which should be shown on the bill. If they're not, contact the company who sent you the bill directly and ask for them. Next enter the amount and payment date, followed by the 'Continue' button. At the confirmation screen you will be asked to enter your password to confirm your changes. Once you have entered your password and checked your payment details select the 'Confirm' button.

The payment will take up to 4 working days to process, so please allow for this if your payment has to be received by a specific date.

Halifax Secure

Halifax Secure is a free service provided by Halifax and certified by Visa International and MasterCard International. It provides a secure method of payment when you use your credit card to pay for goods or services bought over the internet.

Closing your account

For details of how to close one of your accounts, please select the account
type below and we will provide you with the information you need:

Bank accounts
Savings accounts
Credit Cards
Mortgages
Loans

Mortgages

Adding your mortgage to 'My accounts' allows you to view the balance, payment date and the repayment type of your Halifax Mortgage.

Mortgage payment holidays

If you think you would be eligible for a payment holiday, applying is easy and very straightforward. Call 08457 27 37 47 and select option 1, or visit one of our branches.

Read more about payment holidays including details of how to apply and the Conditions.

Mortgage Promise

If you're looking to move home or re-mortgage, fill in the Agreement in Principle (Mortgage Promise) call back request form and we'll call at a time to suit you and give you an indication of how much you'll be able to borrow, it will only take around 15 minutes. Alternatively, call our mortgage line on 08458 50 37 05 (lines open 8am to 8pm Monday to Friday, 9am to 4pm Saturday) or visit your nearest branch and arrange to speak to a Mortgage Adviser.

To Draw down funds from your Home Cash Reserve or Flexible Mortgage

If you have a Home Cash Reserve or Flexible Mortgage you can draw down funds by calling our mortgage line on 08458 50 37 05 (lines open 8am to 8pm Monday to Friday, 9am to 4pm Saturday) or visiting your nearest branch and arrange to speak to a Mortgage Adviser.

If you don't have a Home Cash Reserve or Flexible Mortgage, you can still apply to borrow more on your mortgage with a Further Advance.

Your home may be repossessed if you do not keep up repayments on your Mortgage.

Closing your account

For details of how to close one of your accounts, please select the account
type below and we will provide you with the information you need:

Bank accounts
Savings accounts
Credit Cards
Mortgages
Loans

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