Base Rate Calculator

See how your monthly payments could change

When the Bank of England Base Rate changes, this could affect the interest you pay on your credit card. Use our calculator to get an idea of how much your monthly payments could be following a Bank of England Base Rate change.

We recommend you use your current balance and current standard variable interest rate. You can find your balance by signing into Online Banking and your current standard variable interest rate will be displayed on your credit card statement. Alternatively, if you’re not registered for Online Banking you can use the balance on the last credit card statement we issued to you.

Remember that some of your balance may be on promotional rates which are not affected by changes to the Bank of England Base Rate. You should be mindful of this and exclude these balances when using the calculator. If you need more information you can call customer services on 0345 944 4555 from 7am to 11pm, seven days a week.

Halifax Credit Cards are issued by Bank of Scotland plc, Registered in Scotland No.SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration no. 169628.


Credit facilities available subject to status to UK residents aged 18 or over.