Our security systems
Real-time fraud detection systems - When you are using online banking, we use Real-time Fraud Detection Systems to decide whether it's really you or a fraudster. We use your data strictly according to the terms and conditions and your data privacy rights. If we see activity on your account that may be suspicious, we'll ask you to call our Fraud Department to confirm it's really you. If it's really you making the payment it will take you a few extra minutes, but this means that we are able to stop most fraud attempts and protect your account. We’ll also send you a text message and display a message in your Online Banking account overview to confirm recent requests that might be suspicious.
Biometric analysis - We use behavioural analysis to help make sure it’s really you giving us instructions in your Online Banking account. This technology builds a detailed profile of how you use Online Banking (i.e. what’s ‘normal’ for you) which is very difficult for a fraudster to mimic. This data is used strictly in compliance with our Online Banking terms and conditions, to protect your privacy and information about you.
DDOS protection - We aim to provide you with fast, accessible Online and Mobile Banking, 24 hours a day. That's why we use state of the art DDOS (Distributed Denial of Service attack) protection, to stop hackers from blocking your access to your accounts online.
Bank name display - When you set up a new payment, we may display which bank account brand you’re sending money to, e.g. Barclays, HSBC, Tesco. By displaying this, we give you the opportunity to recognise if the new payment may be going to the wrong place, for instance if you were expecting to pay another Halifax account but it shows up as Lloyds Bank.
Helpful hints - You’ll see tiles and banners on the logon page and throughout your Online and Mobile Banking sessions once you’ve logged on, which will give you useful hints and tips on protecting yourself online.
For certain instructions you give us in your Online Banking, such as setting up a payment to a new account, we need to make sure it’s really you to prevent fraud. You can choose to do this via our secure App, or you can receive an automated phone call and enter the 4 digits shown on your device screen.
Always make sure the explanation is the one you’re expecting.
Telephone Authentication is the recorded call where you’re asked to enter 4 digits from your computer screen to complete an Online Banking action such as payment to a new beneficiary, new products or registrations.
If someone tells you to ignore this explanation (for instance, if they say it's just a test transaction), or if you don’t recognise the action described in the automated call, then you are speaking to a fraudster.
You will never be asked to complete this call to receive money into your account.
This is where you have chosen to sign in to your Halifax Mobile Banking App to authorise an action you’ve made on your computer or tablet such as payment to a new beneficiary, new products or registrations.
Read the explanation on screen carefully. If someone tells you to ignore this (for instance, if they say it's just a test transaction), or if you have not yourself requested the above actions, then you are speaking to a fraudster.
If we suspect fraudulent activity on your account we may contact you via telephone to confirm that you carried out the activity. We will confirm your identity by asking you to confirm questions from your credit file / details from your passport or driving licence. We will never ask you for your sign in details.