Charges and withdrawals.

This section tells you about the charges that apply to all of our savings accounts. 

Using cash machines for non-sterling cash withdrawals

If you use your savings card to make a cash withdrawal (at a cash machine) in a currency other than sterling, it is converted to sterling on the day it is processed. Visa convert the currency using the Visa Payment Scheme exchange rate on the day. We will charge you a non-sterling transaction fee of 2.99% of the value of the transaction and a non-sterling cash fee of £1.50. Where you allow the cash machine operator/financial service provider to make the conversion to sterling, we will only charge a foreign cash fee of £1.50. The provider of the foreign currency may make a separate charge for conversion.

Cash machines in the UK

We don’t charge you for taking money out of an Everyday Saver, Reward Saver, Young Saver, Liquid Gold, Guaranteed Saver, Web Saver variable with card or Instant Saver account at a Halifax LINK cash machine. Please note that if you make a withdrawal using a non-Halifax cash machine, the bank or building society who own the cash machine may charge you. The amount of any charge will be taken out of your account.


If you ask us to transfer money electronically from your account to another UK account using the CHAPS system we’ll charge you a fee of £25.

Copy statements

If you request a copy of a statement that has previously been issued to you, you may be charged a fee of £5 for each request. You won’t be charged this fee if you have a passbook or use online banking and are registered for paper-free statements or if you haven’t previously been sent the statement.

Foreign currency, travellers cheques and cross-border transfers

You may ask us to use a number of special services relating to foreign currency, travellers cheques and the telegraphic transfer of money abroad. Ask at any of our branches for detail.

International payments into your account

Amount paid into your account Amount of fee
International payments into your account for £100 or less (after we’ve converted
the money into sterling)
International payments into your account over £100 (after we’ve converted the
money into sterling)

The amount you pay will be calculated after we’ve converted the money into sterling.
We’ll do this on the day we pay it into your account.

International payments out of your account

We charge £9.50 for international payments using Online Banking, in branch or Telephone Banking.

Overdrawn accounts

You shouldn’t allow your savings account to become overdrawn. If this does happen we won’t currently charge you any interest, but you should repay your overdrawn balance immediately.

Special presentation

You may ask us to specially present a cheque for a fee of £10.

Withdrawal by banker’s draft

You cannot withdraw any amount less than £500 from your savings account by banker’s draft.


You can usually withdraw up to the normal daily cash limit of £2,500 a day per account from any of our branches, or up to £250,000 by counter cheque, subject to account conditions. If you want to withdraw more than these amounts in cash or by cheque, just let your branch know in advance.