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Basic Account
A Halifax Basic Account may be available if you don’t meet the conditions for one of our other current accounts.
This might be because you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history.
Features of this account:
For more information and terms and conditions for this Account read the Bank Account Getting Started Guide (PDF, 1.07 MB).
We're making some changes to terms and conditions on 02 June 2025, for details please see Guide to Changes (PDF, 69KB).
Open an account today
You cannot apply for a Basic Account directly
You will need to start the application process for a bank account with us, and we will try to obtain information about your credit history. This will allow us to show you which accounts are available to you.
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We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
- The service is free to use and you can choose and agree your switch date with us.
- We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
- If you have money in your old account, we will transfer it to your new account on your switch date.
- We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
- If there are any issues in making the switch, we will contact you before your switch date.
- If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.
