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The way you use them might be similar, but credit and debit cards have key differences.
Debit cards are linked to bank accounts. When you use them, money is taken from your account.
Credit cards are separate accounts, giving you the flexibility to borrow money and repay it later.
The costs for using a credit or debit card might vary between lenders, but here’s some information you might find useful about Halifax cards:
Transaction type |
Debit card costs |
Credit card costs |
---|---|---|
Transaction typeCash withdrawals at a Halifax ATM. |
Debit card costsFree. |
Credit card costsA cash advance fee might apply. |
Transaction typeCash withdrawals over the counter at a Halifax branch. |
Debit card costsFree. |
Credit card costsThis service is no longer available at Halifax branches. |
Transaction typeCash withdrawals at another ATM or branch in the UK. |
Debit card costsHalifax won’t charge you, but the cash machine owner might. Check for charges first. |
Credit card costsIn addition to any cash machine charges, a cash advance fee might apply. |
Transaction typeCash withdrawals at an ATM or branch outside the UK. |
Debit card costsIn addition to any service provider charges, a foreign currency transaction and purchase fee might apply. |
Credit card costsIn addition to any service provider charges, a foreign currency transaction and purchase fee might apply. |
Transaction typeSterling card purchases. |
Debit card costsFree. |
Credit card costsFree. |
Transaction typeNon-Sterling card purchase. |
Debit card costsA foreign currency transaction fee might apply. |
Credit card costsA foreign currency transaction fee might apply. |
Transaction typeBuying foreign currency or travellers cheques from Halifax. |
Debit card costsFree. |
Credit card costsA cash advance fee might apply. |
Transaction typeBuying foreign currency or travellers cheques from another branch, agent, or bureaux de change. |
Debit card costsHalifax won’t charge, but other providers might. Check for charges before you go ahead. |
Credit card costsIn addition to other provider charges, a cash advance and foreign currency transaction fee might apply. |
More on credit card cash advances
It’s useful to remember that interest might also apply when you use a credit card, so make sure you understand the costs in advance.
To check the fees and charges which apply to your credit card, refer to the terms and conditions of your account, or your latest statement.
It depends on your account terms and conditions, but additional charges might apply when using a credit or debit card abroad.
Debit cards are linked to bank accounts, while credit cards are separate.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.