Money. Save it. Spend it. Understand it.

Guide to sharks and scams

Protect yourself from financial predators

You'll be spending your money in a variety of places - supermarkets, clothes shops, bars, cafés, the corner shop and on games and music.

As you'll quite possibly be using your bank details in these places, it's important to understand how to keep your details secure - especially if you buy online.


Online fraud

This comes in many forms - identity theft, phishing, page jacking, advance fee scams, bad cheque scams, fake money orders, wire transfer fraud.

One of the most common problems online is identity theft. We all keep personal information on our computers and unfortunately, if we're not careful, these can be accessed illegally to steal our identity to make fraudulent purchases.

Graphic of a phishing scam

The different ways to borrow

If you need to borrow, borrow wisely.

Here’s how

Key point

Keep your details to yourself and remember, if it sounds too good to be true, it probably is.


The information in this guide is not intended to be a recommendation or advice.

Halifax products and services are offered subject to status. Lending decisions and any amount we lend is based on your personal circumstances, you need to be aged 18 or over to apply. Overdrafts are repayable on demand.

Halifax is a division of 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 number 169628.