Making payments with Online Banking.


You can move money with confidence using Halifax Online Banking

Here are some of the ways you can move money:

  • Pay your latest utility bill
  • Pay your Halifax Credit Card
  • Send money to friends and family
  • Split the bill for last night's dinner with pay a contact*.

*Terms and conditions apply.

Paying a person or bill is easy with Halifax Online Banking. Everything is designed to help you move your money securely and with confidence.

  1. Getting started

    To get started select ‘Payments & transfers’ on the account you want to move money from.

    Halifax Online Banking account statement
  2. Choose where to send your money

    From here you can move money to one of your own accounts or make a payment to someone else. If you’ve paid someone before, simply pick them from the list under ‘Your recipients’. To pay someone new, select ‘Add new recipient’ and follow the on-screen instructions.

  3. Check and send

    Check the details are correct before confirming the payment When you see ‘Success’ you know your payment has been sent. Easy!


Why not have a go yourself?

Our Online Banking Simulator lets you explore Online Banking with step-by-step exercises, such as making payments, without using your account or your money.

Try it now >

Pay your Credit Card in just a few taps, when you have a Halifax Current Account.

  1. Getting Started

    Look for the ‘Pay Credit Card’ button on the Credit Card account you want to make the payment to.

    You’ll first be able to choose to make a one off payment or set up a regular payment by Direct Debit.

    Find out more about paying by Direct Debit.
  2. How much?

    When making a on-off payment, choose to pay:
    • Your full balance from your latest statement
    • A different amount that you choose
    • The minimum payment from your latest statement
    You can set up the payment to be made up to 31 days in the future.
  3. Check and send

    Check everything’s correct and then click or tap ‘confirm’ to send the payment.

    Please keep in mind that if you're making a payment to your Halifax credit card online, the payment will not be reflected in your list of recent transactions until the next working day.

Standing Orders

Step 1: Get started

You can set up standing orders easily through Online Banking.

To get started select ‘Payments & transfers’ on the account you want to move money from.

Step 2: Choose when to pay

Once you have selected who you are sending money to, use the ‘Repeat Payment (make this a standing order)’ button and select when and for how long you would like to make the payment for.

Step 3: Check and Set up

It’s easy to check everything’s correct before confirming the payment.

When you see ‘Success’ you know your payment has been sent and your standing order has been set up.

You will be able to view, add, change or delete any of your standing orders whenever you want through Manage transactions in your internet banking.

Direct Debits

Direct Debits are set up on your account by the company you are paying,. You can view details of each Direct Debit on your account through our Online Banking service. You can delete Direct Debit online, but you will also need to contact the company you are paying so they cancel it from their end too.

Payment limits and time frames

When making a payment choose whether to pay as soon as possible or on a future date.

If you choose as soon as possible, we'll check to see if the sort code you are sending your payment to is Faster Payment enabled, and if it is, the payment should be completed within 2 hours. If the person or company you are paying isn't able to receive Faster Payments, you won't be able to make the payment online.

You can also use the sort code checker tool on the Payments UK website to find out if the account you are paying to is Faster Payments enabled.

Daily payment limits apply, which may be affected by other payments you’ve made on the same day or the time a payment request is made. For more information, including the payment hours, please see the list of Frequently Asked Questions.

Check the table below to see what limits apply to each type of payment and when the recipient will receive them.

Current accounts

Current accounts

Transferring money between your existing Halifax accounts

Making a payment to another organisation

Regular payments to another organisation*

Sending money outside the UK or in a foreign currency

Transaction limit

£1,000,000

£25,000
The limit for Expresscash account holders is £300.

 

£25,000
The limit for Expresscash account holders is £300.

£100,000

Daily account limit

£1,000,000

£25,000
The limit for Expresscash account holders is £300.

 

£25,000
The limit for Expresscash account holders is £300.

£100,000

Funds received

Immediately

Usually within 2 hours*

Usually within 2 hours*

See Sending money outside the UK or in a foreign currency table below

Transaction limit


Transferring money between your existing Halifax accounts

£1,000,000

Making a payment to another organisation

£25,000
The limit for Expresscash account holders is £300.

 

Regular payments to another organisation*

£25,000
The limit for Expresscash account holders is £300.

Sending money outside the UK or in a foreign currency

£100,000

Daily account limit


Transferring money between your existing Halifax accounts

£1,000,000

Making a payment to another organisation

£25,000
The limit for Expresscash account holders is £300.

 

Regular payments to another organisation*

£25,000
The limit for Expresscash account holders is £300.

Sending money outside the UK or in a foreign currency

£100,000

Funds received


Transferring money between your existing Halifax accounts

Immediately

Making a payment to another organisation

Usually within 2 hours*

Regular payments to another organisation*

Usually within 2 hours*

Sending money outside the UK or in a foreign currency

See Sending money outside the UK or in a foreign currency table below

Savings accounts

Savings accounts

Transferring money between your existing Halifax accounts

Making a payment to another organisation

Regular payments to another organisation*

Sending money outside the UK or in a foreign currency

Transaction limit

£2,000,000

£25,000
£99,999**

£25,000
£99,999**

Not available for Savings accounts

Daily account limit

£2,000,000

£25,000
£99,999**

£25,000
£99,999**

Not available for Savings accounts

Funds received

Immediately

Usually within 2 hours*

Usually within 2 hours*

Not available for Savings accounts

Transaction limit


Transferring money between your existing Halifax accounts

£2,000,000

Making a payment to another organisation

£25,000
£99,999**

Regular payments to another organisation*

£25,000
£99,999**

Sending money outside the UK or in a foreign currency

Not available for Savings accounts

Daily account limit


Transferring money between your existing Halifax accounts

£2,000,000

Making a payment to another organisation

£25,000
£99,999**

Regular payments to another organisation*

£25,000
£99,999**

Sending money outside the UK or in a foreign currency

Not available for Savings accounts

Funds received


Transferring money between your existing Halifax accounts

Immediately

Making a payment to another organisation

Usually within 2 hours*

Regular payments to another organisation*

Usually within 2 hours*

Sending money outside the UK or in a foreign currency

Not available for Savings accounts

Sending money outside the UK or in a foreign currency***

Currency and destination

Maximum delivery times

Euros to the EU, EEA, Monaco or Switzerland

Next working day

Pounds, Swiss Francs and any other EEA currency to any EU or EEA country

4 working days

Any other currency to non EU and EEA European countries, North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East.

4 working days

Any currency to any other countries

12 working days

Euros to the EU, EEA, Monaco or Switzerland


Maximum delivery times

Next working day

Pounds, Swiss Francs and any other EEA currency to any EU or EEA country


Maximum delivery times

4 working days

Any other currency to non EU and EEA European countries, North America, Canada, South Africa, Australia, New Zealand, Middle East and the Far East.


Maximum delivery times

4 working days

Any currency to any other countries


Maximum delivery times

12 working days

Faster Payments frequently asked questions

Remember you can also use our Online Banking demo to see how to make payments within the Online Banking service.


*Most Faster Payments will be received by the beneficiary within 2 hours, but you should allow up to close of business the next working day.
**Websaver limit only
***Under 16 year olds cannot use the International Payments service.

 

Paying a person, bill or your Halifax Credit Card quick and easy with our Mobile Banking app.

How to pay your Halifax Credit Card

 

How to pay a person or bill

 

 

Faster Payments Services

What are the daily payment limit restrictions?

When making payments to other parties from your Online Banking account, your daily payment limit is £25,000. Your payment limit amount can be a combination of the following:

Bill payments
Payments to individuals
New standing orders
Travel Money
The value of any increase in a standing order.

Payment limits are calculated at the time you request a payment and not when the payment actually leaves your account. For example, if you set up a standing order today which is to leave your account on the 2nd of each month, the amount is part of today’s £25,000 limit and not the limit for the 2nd when the payment leaves your account.

Payments over £25,000

If you want to make a payment greater than £25,000, you could:

  • Split the payment over two or more days (see payment hours below)
  • Discuss different payment options by calling us on 0345 720 3040. If you're calling from abroad, you can call us on +44 (0)113 242 1984
  • Visit your local branch.

What hours apply to the daily payment limit?

The daily payment limit is based on the following operational hours:

Day
Start Time
End Time
Limit
Sunday - Monday 12:00pm Sunday 9:59pm Monday £25,000*
Tuesday 10:00pm Monday 9:59pm Tuesday £25,000*
Wednesday 10:00pm Tuesday 9:59pm Wednesday £25,000*
Thursday 10:00pm Wednesday 9:59pm Thursday £25,000*
Friday 10:00pm Thursday 9:59pm Friday £25,000*
Saturday - Sunday 10:00pm Friday 11:59am Sunday £25,000*

* The limit for Expresscash account holders is £300.

Bank Holiday payment limits

On bank holidays, the £25,000 payment limit will be combined with the following day’s limit. For example:

  • On a bank holiday Monday, the payment limit will be combined with Tuesday’s limit (12:00pm Sunday to 9:59pm Tuesday)
  • On Good Friday, the payment limit will be combined with Saturday’s limit (10:00pm Thursday to 11:59am Sunday).

Are all payments sent by Faster Payments Service?

All payments will be sent using Faster Payments Service and will leave the account immediately. In most cases the cleared money will be available on the recipient's bank account within 2 hours, but it can sometimes take up to close of business the next working day.

The bank account that you are sending the money to will need to be able to accept Faster Payments. You can check if the sort code accepts Faster Payments by using the sort code checker tool on the Payments UK website.

What about regular payments I receive from other people, will they be faster?

Regular payments you receive from other people will be faster, provided the sending bank is part of the Faster Payments Service and can send Faster Payments.

How long does it take to transfer money between my accounts?

Transfers made between your own personal accounts will be made right away or you can choose a future date.

How is my payment processed?

Find out more about how payments are processed for Standing Orders, Direct Debits, Cheques and Future Dated Payments.

What if I have made a payment to the wrong account?

If you have made a payment to the wrong account details, or if you have made a payment using incorrect account information, please check if the payment has been returned to your account. If so, please resend the payment with the correct details. If the money hasn’t been returned and you know the beneficiary, the easiest and quickest way to recover the payment is to contact them directly. If however you don't know them or do not want to make direct contact, contact us directly on 0345 720 3040 and we will try and recover the funds for you.

Please be aware that if the account details for your recipient were incorrect when you set up the payment, we may not be able to help you and you will need to contact the bank you made the payment to.

Please call our Helpdesk on 0345 720 3040 (+44 113 242 1984 from overseas), 7am - 11pm, seven days a week.

CHAPS

Why transfer money by CHAPS?

If you need to send money in pounds from your Halifax personal current account to another UK account, you can ask in branch to make a payment by CHAPS. To send money by CHAPS you’ll need the bank account name, number and sort code of the recipient. You may wish to consider whether other methods of sending the payment, which do not incur a charge may be available – such as an internal transfer or a faster payment. More information about these payment types and the restrictions which apply to them can be found here or ask in branch.

When will it arrive?

CHAPS processed externally through the Bank of England CHAPS settlement system – payments are guaranteed to arrive at the recipient bank on the same day if we receive your instruction before 4.25pm on a working day and the recipient bank account details are correct.

CHAPS processed internally by Lloyds Banking Group – we will aim for these to arrive on the same day, if we receive your instruction before 4.25pm on a working day and the recipient bank account details are correct, but this isn’t guaranteed.

CHAPS instructions received after 4.25pm on a working day are treated as received on the next working day.

How much will it cost?

There is a single fee for each CHAPS payment of £25 for Halifax customers.

What should I do next?

If you’d like to make a CHAPS transfer just call into your nearest branch.


The Payment Services Directive and the Payment Services Regulations 2009

What are the Payment Services Directive and the Payment Services Regulations 2009?

The Payment Services Directive is a European Union legislation which supports a Single European Payment Area (SEPA). This means that cross-border euro payments can be made as efficiently as within national borders. The legislation has been implemented in the UK by the Payment Services Regulations 2009.

What do the Payment Services Regulations 2009 mean to me?

The majority of payments you send from the 7th November 2011 will arrive by the next working day, where as previously, payments often took up to 4 days. Some payments will remain unaffected. These include those executed wholly in cash, cheques and other paper based transactions such as banker’s drafts. For more information you can also visit the FCA's website.

Who are the SEPA member states?

The Payment Services Directive (PSD) covers all payment accounts within the Single European Payments Area (SEPA). SEPA consists of those countries who are members of the European Economic Area plus Monaco and Switzerland.


Peace of mind

We always take steps to keep your accounts and Internet Banking secure.

So whenever you ask to pay someone new, we’ll always check it’s you before sending the payment.