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Spending tips
Now you’ve got your Smart Spending Account and debit card, it’s time to learn the best ways to use them.
Find out about the ways money can come in and go out of your Money Smart accounts.
Make the most of your Money Smart debit card with our video guide.
Easy ways to pay with your mobile
Your handy how-tos
Your questions about spending
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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
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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.
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