Pay money in. Make payments out.

Find out about the ways money can come in and go out of your Money Smart accounts.

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Make the most of your debit card.

Make the most of your Money Smart debit card with our video guide.

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How to budget

  • Keep an eye on how much you spend each month. The easiest way to do this is by using our Mobile Banking app.
  • Work out your budget by creating a list of the money coming in and the money going out of your account. This will help you work out how much you might be able to save.
  • Once you know your budget, use our savings calculators to set your savings goal.

How to be a savvy spender

  • Use the 24-hour rule to avoid impulse buying. Give yourself 24 hours to think about whether you really need it and can afford it. This will help avoid wasting your money on things you might regret later.
  • Shop smart by shopping around. Compare prices to find the best deal. You might save money and make your budget stretch further.
  • Create an emergency fund by moving any spare money into your Smart Savings Account each month. You’ll be prepared for that last-minute gig you want to go to or gift you need to buy.

Easy ways to pay with your mobile

Pay your friends and family

  • Send and receive money with just a mobile number.
  • It's quick, simple and secure.
  • No need to share your bank account details.
Set up Pay a Contact

Pay with your iPhone wallet*

  • Quick and easy.
  • Contactless.
  • Secure.

*If you're aged 13 and over.

Set up Apple Pay®

Pay with your Android wallet*

  • Quick and easy.
  • Contactless.
  • Secure.

*If you're aged 16 and over.

Set up Google Pay®

Your handy how-tos

Make the most of your accounts

  • Set up Online Banking.
  • Manage your money on your mobile.
  • A-Z of banking terms, and more.
Get started

Easy saving

  • Tips to reach your savings goal.
  • 5 benefits of saving.
  • 4 ways to get ahead with saving.
  • Setting up Save the Change®.
More about saving

All about earning

  • Is a part-time job for you?
  • Types of jobs that might suit you.
  • Tips on applying for a job.
  • Earn experience volunteering.
Find out about earning

Learn more

  • More ways to stay money safe.
  • Tips for staying safe on social media.
  • Using your debit card instore or online.
  • Card Freeze.
Learn more about money

Your questions about spending

  • Yes. You'll only be able to spend the money that's in your Smart Spending Account. To make it easy, we've set daily spending limits so you can't overspend.

    Daily spending limits

    Ways to manage your money

    Aged 11-15

    Aged 16-17

    Aged 18

    Ways to manage your money

    Using your debit card to pay online and in shops.

    Aged 11-15

    £200

    Aged 16-17

    £1,000

    Aged 18

    The money you have in your account.

    Ways to manage your money

    Using Online Banking to transfer money.

    Aged 11-15

    £500. This limit also applies to your Smart Savings Account.

    Aged 16-17

    £500. This limit also applies to your Smart Savings Account.

    Aged 18

    £500. This limit also applies to your Smart Savings Account.

    Ways to manage your money

    Using one of our branches with a counter to take money out.

    Aged 11-15

    £1,000

    Aged 16-17

    £1,000

    Aged 18

    £5,000

    Ways to manage your money

    Using your debit card to take money out of a cash machine.

    Aged 11-15

    £100

    Aged 16-17

    £100

    Aged 18

    £500

    Ways to manage your money

    Using the Post Office to take money out.

    Aged 11-15

    £100

    Aged 16-17

    £100

    Aged 18

    £300

  • You don't get a cheque book with your Money Smart accounts. But you might find you get the occasional cheque. Read about how to pay a cheque into your account.

Halifax Money Smart® is a registered trademark of Bank of Scotland plc.

Google Pay is a trademark of Google LLC. Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries.