Charges

Cash machine charges
Charges for cash machines abroad
Charges for international payments into your account
Withdrawal by bankers draft
Interest for overdrawn accounts
Copy statements
CHAPS fee

Account charges

This section tells you about the charges that apply to the following accounts for standard account services and special services, and about the interest you'll be charged if your account goes overdrawn.

Cash machine charges

We don’t charge you for taking money out of an Everyday Saver, Reward Saver or Young 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.

Charges for cash machines abroad

When you use your debit card abroad to withdraw cash at cash machines, the exchange rate we use will be the Visa Reference Exchange Rate. We’ll charge a conversion fee of 2.99% of the amount of the transaction and a service fee of 1.50% of the amount withdrawn, with a minimum charge of £1.50 for each withdrawal.

Charges for international payments into your account

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.

Withdrawal by bankers draft

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

Interest for overdrawn accounts

If your account goes overdrawn we’ll charge you interest at a rate of 7% a year.

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 paperfree statements or if you haven’t
previously been sent the statement.

CHAPS fee

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.

Charges for special services

Special presentation – you may ask us to specially present a cheque for a fee of £10.
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 details.