Guide to Changes

An overview of how our Online Banking agreement is changing.

We are making some changes to the services we offer through Online Banking. To understand how they might affect you, please read the overview of the changes to your Online Banking agreement below.

The updated agreement will come into effect from 13 January 2018, but some of the new services we’re offering may be available earlier. If you use any new services before this date, the relevant terms in the revised Online Banking agreement (PDF) (2.19MB) will apply.

Cheque imaging – a new way to clear cheques in pounds

From 30 October 2017, banks will begin to introduce a new way to pay cheques in called the Image Clearing System. This system will allow banks to clear a digital image of a cheque rather than the original paper cheque. The Image Clearing System will be introduced gradually and will operate alongside the existing paper cheque clearing system.

Information about how to use our new service can be found in the Online Banking agreement and you can find the different dates for each clearing system in your Account conditions.

Card freezes

We are introducing new features to our Mobile Banking app that will give you added control over how and where your card can be used. A range of different card freezes may be introduced over time.

Cashback Extras

If you have a Basic Account, you will now be able to register for Cashback Extras. This means that you can earn up to 15% cashback when you shop at participating retailers with either your Halifax debit card, credit card (if you are the main cardholder), or set up a Direct Debit in line with the offer conditions. Merchant offers and cashback amounts vary and must be activated through Online Banking for use on your next purchase.

Third Party Providers

You can choose to allow a Third Party Provider (TPP) to access information on your account and to make payments for you from your account, provided the TPP is authorised by the FCA or another European regulator and you give your explicit consent. If you are thinking of using a TPP, you will be able to check with the regulator whether it is authorised before you use it.

We will make changes to our Account conditions and Internet Banking agreement to allow for access by TPPs, and to make clear which account types are eligible for TPP access and when we can refuse access. We will also take into account any guidance from our regulator.

These changes will not affect restricted savings accounts or customers who do not use TPPs.

Mobile alerts

If you have a personal current account and you’ve registered your mobile phone number with us, we will automatically send alerts to help you keep on top of your money.

These alerts will let you know when you're about to use or you've started using your arranged overdraft and when daily overdraft interest is being applied. We may also send you other alerts, for example if a standing order is not made. If you are a Private Banking customer, our Text Alert service will remain available and you will continue to receive any alerts you have selected.

Paper-free statements and correspondence

We are making some minor changes to the paperless statements and correspondence section to make them easier to understand.

Security enhancements

We are making some minor changes to the security section about our processes and controls.

Other important information you need to know about

For your security

  • Ensure you trust any third party companies or websites, as fraudsters may try to persuade you to log into fake websites. You can check if a third-party provider is authorised by contacting their local regulator which in the UK is the Financial Conduct Authority at
  • You should continue to check the security of online websites, for example by checking you’re on a secure site by looking for the padlock sign and making sure https:// appears at the start of the web address.
  • We will never share your sign-in details with anyone, including with third party companies or websites you choose to securely share data with. We will never phone, text or email you asking for your password or memorable information.