If you are coming to the end of your mortgage, credit card or loan payment holiday, we will contact you before it ends, there is no need to call us. You can use our coronavirus support tool to find the right solution for your needs and confirm what you would like to do in a few simple steps.

Moving money and paying bills

  • 1.
    Standing orders

    A standing order is an instruction to make payments from your account, usually on a regular basis, to a specified UK bank or building society. Examples of use include fixed monthly payments and annual club membership fees. If the payment amount or payment date changes, you'll need to update your standing order.

    To set up a standing order

    Desktop:

    1. Click ‘More actions’ next to the relevant account, then select ‘Direct Debits and Standing Orders’ followed by ‘Set up a Standing Order’.
    2. Click on ‘Pay someone new +’ and enter the payees details. Please ensure you have the correct spelling before continuing.
    3. Complete payment details and then click ‘Continue’.
    4. Review payee details and then click ‘Confirm Standing Order’.
    5. To approve a new payment we will need to call you.
    6. Select the best number to call you on and confirm the code on your computer screen when we call you.
    7. Your payment is now set up.

    Sign into Online Banking

    App:

    1. Tap the three dots next to the relevant account, then select ‘Standing orders’ followed by ‘Set up a standing order’.
    2. Tap ‘Pay someone new’ and enter the payees details. Check the spellings are correct before continuing.
    3. Add a reference to make it clear what the Standing Order is for.
    4. You’ll need to enter your password so we know it’s you setting the Standing Order up.
    5. Choose the amount you want to pay, and then toggle on the ‘Make Standing Order?’ button. You’ll then be able to choose how often you want to pay.
    6. Review your details to make sure you’re happy with them and tap ‘Finish’.
    7. Your payment is now set up.

    Standing order payments

    Payments are only sent on working days and the money won't leave your account until we make the payment. If the standing order is due to leave your account on a weekend or bank holiday, your account will be debited on the next available bank working day when the payment is sent.

    Where possible we will send standing orders from your Halifax or Bank of Scotland bank account through the Faster Payments Service. As a result, payments may arrive in the receiving account on the same day they leave your account. You don't need to do anything to send your standing orders faster; we do this automatically.

    Please ensure you have sufficient funds in your account the day before any payments are due.

    To view an existing standing order

    To view an existing standing order, select 'More Actions' on the account you want to edit and choose 'Manage standing order' from the 'Direct Debits and standing orders' tab.

    To amend or delete a standing order

    Desktop:

    1. Click more actions next to the relevant account.
    2. Select Direct Debits and Standing Orders.
    3. Click ‘Manage Standing Orders’.
    4. Then select ‘Edit’ or ‘Cancel’.

    App:

    Amend a Standing Order

    1. Tap the three dots on the relevant account.
    2. Tap ‘Standing Orders’, then select from the list the payment that you want to amend.
    3. Tap on the detail you want to change to edit it.
    4. Tap ‘Continue’ and confirm that you’re happy with the change. You’ll need to enter your password so we know it’s you changing it.
    5. Your payment has been amended.

    Delete a Standing Order

    1. Tap the three dots on the relevant account.
    2. Tap ‘Standing Orders’ and then ‘Edit’.
    3. Select the Standing Order you want to cancel.
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  • 2.
    Direct Debits

    A Direct Debit is an instruction authorising another organisation to collect varying amounts of money from your account. The amount being debited to your account and the payment date may be changed by the collecting organisation, but they should inform you in advance. Examples of use include monthly mortgage payments and payment of utility bills.

    To set up a Direct Debit

    As a Direct Debit is set up to collect money from your account by another organisation, the setting up of the Direct Debit will be done by them through their bank or building society, using the account details you would have supplied them at the time you purchased the goods or services.

    To view a Direct Debit

    To view an existing Direct Debit, select 'More Actions' on the account you need to edit and choose the 'Manage Direct Debit' option under 'Direct Debits and standing orders'.

    You can’t change a Direct Debit yourself online. If you want to change anything, such as the payment date, you'll need to contact the company you’re paying the Direct Debit to.

    To cancel a Direct Debit

    You can cancel a Direct Debit yourself online, either through Online  Banking or our Mobile Banking app.

    If you’re cancelling a Direct Debit before making a final payment, you should also always tell the company you’re paying.

    Sign into Online Banking

    Important:

    If you’ve been financially affected by the coronavirus (COVID-19) outbreak and are struggling to meet your monthly Direct Debit payments for any Halifax product, you can ask us for a payment holiday.

    Please do not cancel your Halifax product Direct Debit without speaking to us first, as missing a monthly payment could harm your credit score in future.

    You’ll find more information about payment holidays on our Coronavirus help & support page


    How to cancel a Direct Debit using Online Banking  on your computer – step by step

    1. Choose the 'More Actions' button on your account.
    2. Open 'Direct Debits and standing orders‘.
    3. Click 'Manage Direct Debits'.
    4. Find the Direct Debit you want to cancel and click 'Cancel' next to it.

    How to cancel a Direct Debit using our Mobile Banking app – step by step

    1. On the app homepage, tap the three dots icon next to your account.
    2. The account menu will appear - tap 'Standing Orders & Direct Debits'.
    3. Tap the Direct Debit you want to cancel, then tap ‘Delete’ underneath it.
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  • 3.
    Bill payments

    Paying bills online, such as your electricity, gas or phone bill is easy and convenient.

    What information do I need?

    You will be asked for the details of the organisation or person you want to pay. These will be:

    • An account name – this is usually the name of the organisation or person to whom the bill or transfer is payable, for example 'British Gas', 'BT' or 'John Smith'
    • An account sort code (6 digits)
    • An account number (usually 8 digits)
    • A reference – this is additional information that will help you and the recipient identify what the payment is for. For example, this could be a unique customer reference shown on a bill, credit card account number or an invoice number.
    • If you do not have these details, you may need to contact the organisation or person who sent you the bill and ask for them. Often however, you can find them on the bill itself.

    How do I pay a bill?

    You make bill payments in the same way you would pay another person.

    If using our Online Banking website:

    1. Select the ‘Payments and transfers’ option next to the account you wish to pay from
    2. Select ‘Pay someone new’
    3. Enter the recipient’s account name, sort code and account number
    4. Click the check box that asks, ‘Are you paying a business?’ and then click ‘Continue’
    5. In some cases, a list of companies will be now be provided for you to choose from. Select the one that is relevant to the bill you are paying
    6. Enter the amount you wish to pay and your payment reference
    7. If desired, you can also schedule the payment for a future date here. You can schedule your payment for any working day up to 31 days in advance. Do this by selecting a date from the list provided
    8. Click ‘Continue’ to proceed
    9. Review the payment information to confirm it is correct
    10. Click ‘Make payment’.

    Sign into Online Banking

    If using our Mobile Banking app:

    1. Tap the ‘Pay & transfer’ option at the bottom of the screen
    2. Confirm which account you would like to pay from
    3. Tap ‘Choose who to pay’
    4. Tap ‘Pay someone new’
    5. Select the option for a ‘UK account or company’
    6. Enter the recipient’s account name, sort code and account number
    7. Tap the check box that asks, ‘Are you paying a business?’ and then tap ‘Continue’
    8. In some cases, a list of companies will be now be provided for you to choose from. Select the one that is relevant to the bill you are paying
    9. Enter the amount you wish to pay and your payment reference
    10. If desired, you can also schedule the payment for a future date here. You can schedule your payment for any working day up to 31 days in advance. Do this by selecting a date from the list provided
    11. Tap ‘Continue’ to proceed
    12. Review the payment information to confirm it is correct
    13. Tap ‘Confirm’ to make your bill payment

    Paying a recipient you have paid before

    Once you have paid an organisation or person in online banking once, you will not need to re-enter their details.

    If using our Online Banking website:

    1. Select the ‘Payments and transfers’ option next to the account you wish to pay from
    2. Click ‘Select account or recipient’ to be shown a list of recipients you have paid before
    3. Find and select the person or organisation you would like to pay again
    4. Enter the amount you wish to pay
    5. Update the reference or schedule the payment for a future date, if desired. Click ‘Continue’ to proceed
    6. Review the payment information to confirm it is correct
    7. Click ‘Make payment’ to make your bill payment

    If using our Mobile Banking app:

    1. Select the ‘Pay & transfer’ option at the bottom of the screen
    2. Confirm which account you would like to pay from
    3. Tap ‘Choose who to pay’ to be shown a list of recipients you have paid before
    4. Find and select the person or organisation you would like to pay again
    5. Enter the amount you wish to pay
    6. Update the reference or schedule the payment for a future date, if desired. Then, click ‘Continue’
    7. Review the payment information to confirm it is correct
    8. Tap ‘Confirm’ to make your bill payment

    To amend or delete pending bill payments (desktop only)

    If you have scheduled your bill payment for a future date, you may want to amend or delete it.

    It is currently only possible to do this on our Online Banking website and not our Mobile Banking app.

    Please ensure you make any amendments or deletions at least 1 working day before the payment is due so the changes have time to take effect.

    To amend or delete your scheduled bill payment:

    1. Select the ‘More actions’ option next to the account your payment is scheduled to come from
    2. A menu should now appear with several options. Select the option at the top, named ‘Payments and Transfers’. This will reveal several more options below. Select the one that says ‘Manage pending payments’
    3. On the next screen, you will see a section named ‘Pending Payments’. Your future dated payment should be visible here
    4. To amend the payment, select ‘Amend’
    5. To delete the payment, select the icon which looks like a cross. You will be asked to enter your password to confirm the deletion of your payment.

    Timescales

    Most of the time payments you make arrive in the receiving account straight-away (usually within 2 hours). However, some can take up to 4 working days to arrive. This depends on the type of account you are paying.

    If scheduling payments in advance, please ensure you have sufficient funds in your account the day before any payments are due. You do not need to do anything to send your payments faster; we will send them in the quickest way possible.

    Other information

    This page describes how to pay bills in pounds within the UK. To make a payment to a foreign currency account please refer to our sending money outside the UK page.

    Referred for authorisation – To help prevent our customers from online fraud, in certain situations, we may further investigate a request to pay a bill / transfer funds from your account. We will take steps to ensure this is a genuine request before allowing the payment.

     

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  • 4.
    How we process payments

    A reminder about payment of Standing Orders/Direct Debits/Cheques/Future Dated Payments

    We make payments from your account shortly after midnight at the start of the due date. If your payment date falls on a non-working day, then we will try to collect your payment the next working day.

    If you don’t have enough funds in your account at this point to make a payment, we will try to make a payment again after 2.30pm the same day. This gives you the chance to put extra funds into your account so that we can make the payment. The money needs to be available to use straight away, so you could transfer money from another personal account you have with us via Internet, Mobile or Telephone Banking or pay in cash over the counter in branch.

    If you do not have enough funds at the beginning of a day to make a payment:

    • You have until 2.30pm to pay money into your account to make the payment that day
    • If a payment takes you into an arranged overdraft, you have until the end of the same day to pay money into your account to avoid overdraft interest.

    For Standing Orders and Future Dated Payments only

    If there are still not enough available funds, we will make a final try on the next working day before rejecting the payment. Details of our fees and charges can be found in the Banking Charges guide.

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  • 5.
    Transferring money between accounts

    Desktop:

    1. Go to account screen.
    2.  Click ‘make a quick transfer’ above your accounts.
    3. Type the amount you want to transfer.
    4. Select the account you want to transfer from.
    5. Select the account you want to transfer to.
    6. Click ‘Transfer’.

    Sign into Online Banking

    App:

    1. Tap ‘Pay and Transfer’ at the bottom of your home screen.
    2. Select the account you want to transfer from.
    3. Select the account you want to transfer to.
    4. Choose the amount you want to transfer and confirm you’re happy with it.
    5. Your payment has been completed.
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  • 6.
    Sending money outside the UK or in a foreign currency

    You can set up payments from the online service to send funds outside the UK electronically. See our Sending money outside the UK section for more information.

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  • 7.
    Halifax Secure

    Halifax Secure is a free service provided by Halifax and certified by Visa International and MasterCard International. It provides a secure method of payment when you use your debit card to pay for goods, services or make payments over the internet.

    Find out more about Halifax Secure and enrol for the service at our 'Halifax Secure' page within Bank Accounts.

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