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Offers FAQs
Find answers to the most common queries about Offers.
To be eligible for the scheme you need to be over 18, have a Halifax debit card and/or credit and be signed up to Online Banking.
Terms and conditions for Offers can be found in the Online Banking agreement.
Receiving cashback
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Cashback earned using a debit or credit card
We’ll pay your cashback into your account on or before the last working day of the month after you use your offer. For example, if you use an offer in January, your cashback should be paid by the end of February.
Cashback earned through a direct debit offer
We’ll pay your cashback on or before the last working day of the month after your second direct debit payment is taken. If you cancel your new service before the second direct debit is collected, you won’t receive any cashback.
The time it takes a retailer to set up your direct debit may affect when we’re able to pay your cashback.
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If you have more than one account with Halifax, we’ll usually pay your cashback into your oldest account.
If you also have eligible accounts with Lloyds or Bank of Scotland, we’ll pay your cashback into your newest account.
You can change where your cashback is paid at any time in the Cashback history section of your Offers.
If you make a change, we’ll pay your cashback into the account you’ve most recently chosen across Halifax, Lloyds or Bank of Scotland.
Just make sure you stay registered for Offers to receive your cashback.
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Yes, you can. If both joint account holders want to use Offers, you’ll each need to register for Online Banking and Offers separately.
You’ll then get your own personalised offers, based on your individual spending.
For direct debit offers, if you both receive and activate the same offer but only one of you sets up the subscription to use it, the first person to activate the offer will receive the cashback.
The cashback will be paid into the account they’ve chosen — this can be the joint account or a different eligible account.
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You can see how much cashback you’ve earned in the Cashback history section of your Offers.
It can take up to 5 working days for cashback to show as pending.
You can also check:
- how much cashback you’ve already been paid
- how much you’ve earned over the last 3 months, with a breakdown of the qualifying transactions.
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Yes, you can. If you have more than one account with us, you can choose which one your cashback is paid into by visiting the Cashback history section of your Offers.
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Yes, you can earn cashback using your Halifax credit card as long as you meet the usual criteria to register for Offers.
If you have a credit card with Lloyds or Bank of Scotland, you can use those cards to earn cashback too.
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Yes, spending by additional card holders will help generate new offers and earn cashback. However, the main cardholder needs to activate offers and only the main cardholder will receive cashback into their nominated account.
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Offers works with all your personal debit or credit cards across Halifax, Lloyds and Bank of Scotland. All your cards help to generate offers based on the places you shop. Use any of your cards to claim your cashback.
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Yes, you can switch them off any time in the opt-out section of your Offers. Remember, you will lose any unpaid cashback that’s due to be paid into your account.
If you're also a Lloyds or Bank of Scotland customer, you'll be opting out of cashback for those too.
About Offers
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Offers give you cashback when you shop. Just choose and activate your offers in your account and pay with your debit or credit card or set up a direct debit.
The service is free and is available to current account or credit card customers over the age of 18.
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To register for Offers you need a current account or credit card. You must also be over 18 and registered for online banking. Terms and conditions apply.
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We suggest offers for places you might like to try, based on retailers you have previously shopped or set up a direct debit with.
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You can find all available and activated offers in the Offers section of the app or online banking. You'll normally need to activate individual offers before you can earn cashback. However, we may automatically activate some offers for you.
Use your debit or credit card with your selected retailers to get cashback.
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Visit the Cashback Extras hub to view your transaction details and cashback total, or to find out when you’ll receive cashback.
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If you’re a new customer, we may not have any transactions for you yet. Many of our offers are based on the types of places customers shop at, so once you start spending on your debit and credit cards, we’ll start sending you offers.
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Debit or credit card offers
Go to Offers and activate the offers you want to use, then pay using your debit or credit card when you next shop with your chosen retailers.
Direct debit offers
You will see any direct debit offers alongside your other offers on your Offers page.
To redeem direct debit offers:
- Select an offer to activate it or find out further details
- Sign up for services as stated in the offer’s conditions.
Important Information
Subscription services that require a direct debit will usually ask you to enter into a contract with the service provider. Typically, these have a minimum term of between 12 and 24 months. You must consider whether you are able to commit to a regular payment for this length of time.
If you cancel, change or switch your subscription before the end of the minimum term you may be charged early termination or other fees by the service provider.
If you're signing up to a new service provider, you must find out from your current supplier whether early termination fees will apply. You must take this into account when deciding whether to sign up to a new service.
You should contact your service providers directly for details of their specific policies.
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Some of our offers have exclusions that are shown when you select them. Exclusions may vary between offers and some offers may only apply in certain areas.
You can find out if there are any exclusions, exceptions or caps by selecting the activated offer and reading the offer details.
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Some offers are only available to use once. If you want to check how many times you can use an offer you've activated, select it to read the offer details.
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If you’re already registered for Offers, you can choose to receive app reminders (also known as push notifications) on your mobile device. We’ll let you know when new merchant offers are available and remind you if an activated offer is about to expire.
You don’t need to be logged into your banking app to see these reminders. Turning on Offers reminders won’t change your existing marketing preferences.
You can manage your reminder settings at any time by selecting the ‘Profile & Settings’ icon in the top right of your banking app. Under ‘Settings’, choose ‘Notifications’, then select which alerts you’d like to turn on or off.
To receive reminders, you’ll need to be registered for Offers, have push notifications enabled on your mobile device, and opt in to reminders in your banking app.
Problems receiving cashback
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You can follow these steps to check you've received the correct cashback.
Did you activate the offer?
Make sure you activated the offer before shopping with your chosen retailer. This needs to be done first for your cashback to track.
Have you allowed up to 5 working days for the cashback to show?
Once you’ve redeemed an offer, it can take up to 5 working days for the cashback to appear as pending in your Cashback history.
Did you redeem the offer before it expired?
If the offer had expired before you made your purchase, cashback won’t be paid. You can check expiry dates in the Expired Offers section.
Were there any exclusions on the offer?
Some offers come with exclusions — for example, they may only be valid online and not in store. Select the offer to view the full details and check any exclusions.
If you used a joint account, did you use the right card?
To redeem an offer, you’ll need to use the card belonging to the person who activated the offer. You can find out more about using Offers with joint accounts in our help section.
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If you can’t find the answer to your question in our FAQs, then just give us a call.
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Retailers set their own conditions for each of their offers, such as:
- whether an offer is available both online and in store or online only
- the amount of cashback offered
- the expiry date of the offer
- any offer conditions or restrictions, such as how many times you can use the offer or which purchases it can be used on
- any limits to the amount you can earn from each offer.
The specific conditions relating to your chosen offer will be displayed when you activate it.
The offer retailers are responsible for the offers you receive, but we’re responsible for making sure the cashback reaches your account. The terms and conditions for Offers can be found in the online banking agreement, and details of how we use your information are contained in our Privacy Statement.
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We try to ensure the information in all offers is accurate. If there are any errors in an offer, we may withdraw or correct it. This won’t affect any offers we’ve already fulfilled.
Data protection
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So that we can provide you with relevant offers, we will regularly review the information we have about you. This helps us work out which offers you are eligible for and which are likely to be of interest to you.
You may notice that some of the offers we send you are for places you regularly shop at or are local to your home or work. That's because some of the offers may be based on the locations you've shopped at in the past, or the area you live in. Unless we have your express permission to do so, we won't use your mobile phone location data for your offers.
For full information on how the bank uses information about you, please see our Privacy Policy and check your marketing preferences in online banking.
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To provide you with Offers we share data with certain trusted parties under strict controls and conditions. This allows us to identify and provide you with your tailored offers. We also share limited specific transaction information with retailers when you redeem their offers so that they can verify the purchases you have made with them. Your information will always be transferred in a way which is secure and only used by us in accordance with our Privacy Policy.
Get set up online
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If you're not registered for online banking, you can call us. We also offer a range of other services in your local area.
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