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Charges and withdrawals
This section tells you about the charges that apply to all of our savings accounts.
Using cash machines
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If you use your Savings card to withdraw cash in a foreign currency, or to withdraw cash in pounds outside the UK, Visa will convert the amount into pounds the day the transaction is processed using the Visa Payment Scheme Exchange Rate. We'll charge you a foreign currency transaction fee of 2.99% of the amount of the transaction. This is a fee for currency conversion. We'll also charge a foreign currency cash fee of £1.50 for each withdrawal.
If you ask the cash machine operator/financial service provider to make the conversion, we won't charge you a currency conversion fee but we'll charge a foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency may make a separate charge for conversion.We won’t charge a foreign currency cash fee or a foreign cash fee if you:
- withdraw euro within the EEA or UK; or
- withdraw euro from outside the EEA or UK and the cash machine operator’s payment service provider is based in the EEA or UK.
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We don’t charge you for taking money out of an Everyday Saver, Reward Saver, Young Saver, Liquid Gold, Guaranteed Saver, Web Saver variable with card or Instant Saver account at a Halifax LINK cash machine. Please note that if you make a withdrawal using a non-Halifax cash machine, the bank or building society who own the cash machine may charge you. The amount of any charge will be taken out of your account.
CHAPS fee
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If you ask us to transfer money electronically from your account to another UK account using the CHAPS system we'll charge you a fee of £25.
Statements
Foreign currency
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You may ask us to use a number of special foreign currency services . Ask at any of our branches for detail.
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View information on our fees and charges to send money outside the UK or in a foreign currency.
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View information on our fees and charges to send money outside the UK or in a foreign currency.
Savings accounts
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You shouldn’t allow your savings account to become overdrawn. If this does happen we won’t charge you interest, but you should repay your overdrawn balance straightaway.
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You can withdraw cash at any Lloyds, Halifax or Bank of Scotland branch, subject to your remaining balance and the cash held at that branch.
For larger withdrawals, availability may be limited, and you may be asked to give identification and supporting documentation.
As part of our efforts to protect you from fraud and scams, we may ask questions about your withdrawal. This could include requesting information or documentation to confirm the purpose of the withdrawal and discussing different, secure ways to make your payment.
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