A reputable high street bank, Halifax was the most switched-to bank in 2017. Its range of current, savings and reward accounts attract around 200,000 customers a year. However, in the digital sphere, Halifax is less of a major player. Its mobile banking app is certainly worth a look if you want a no-nonsense way to manage your funds wherever you are, especially if you bank with Halifax already.
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Designed for existing Halifax customers, Halifax’s mobile banking app is an easy way to manage your money on the go. It’s available on the app store and on Google Play.
How does Halifax’s app work?
Once you’ve downloaded and installed the app, all you need to do is enter your details and confirm the security code, which will be sent to you by Halifax. Halifax is keen to emphasise that its app has “extra security technology”. You can use your fingerprint to sign in on compatible iPhone and Android devices, set the amount of time the app will wait before timing out and uses encryption to keep your banking and personal details safe. Other features include the following:
Maps function: you can see the location where each of your transactions took place on a map
Option to freeze your card if you lose it
Option to change your personal details, such as your address
View pending transactions
Make payments on the go
How do I apply for a current or savings account with Halifax?
The easiest way to apply to open a new account with Halifax is online. It offers a range of current accounts, as well as savings accounts, all of which can be viewed and applied for via Halifax’s website. You can also switch an existing account to Halifax using its current account switch service – this will only take seven working days and your old account will be closed for you by Halifax.
Saving with the Halifax app
Halifax’s app offers users the option to view a running total of their transactions, so it’s really easy to view the effect payments are having on your bank balance. This budgeting feature makes it a good alternative to other bank’s apps, such as Santander and TSB, which don’t have a similar functionality.
Halifax fees and limits
As with most banks, if you take out an overdraft with Halifax, then you may incur fees and charges.
You may also incur fees for international transfers and non-sterling transactions.
Is Halifax safe?
The Financial Services Compensation Scheme (FSCS) is an independent statutory fund set up to safeguard consumer finances in the event of a bank being unable to meet its payment demands. Halifax has full FSCS protection, which provides compensation for the loss of up to £85,000 – as is the standard for UK bank accounts.
Full access to current and savings accounts – can receive salary, make direct debit payments and bank transfers.
Instant notifications for transactions mean you no longer have to wait like you do with normal banks.
Quick and easy to log in to your account.
Running total function allows you to track your spending accurately and to have greater control over your funds.
Widespread network of branches, so you can go in-store if you need a helping hand.
The app, specifically the Android version, has been known to crash when doing simple tasks.
Payments made in non-sterling currencies will incur the Non-Sterling Transaction Fee.
While the heightened security Halifax has put into its app is a good thing, it does slow the user down.
Frequently asked questions
No, Halifax’s mobile banking app is targeted solely at existing Halifax customers. If you’re looking for an app to help you manage your funds, or even a digital bank account, have a look at our digital banking reviews.
To make a transfer between accounts, do the following:
Tap “Make a transfer” from the account that you want to make the transfer from.
Select the account you’re transferring money to in the “to” section.
Enter the amount you want to transfer and confirm.
If you want to transfer money to a different person or organisation, this can be done by following the same process as setting up a bill payment.
Transferring money from account to account should only take a very short time – your money will usually be transferred immediately. This may take longer in some cases, however.
No, you can’t make contactless payments using the app, but you can make one using a contactless Halifax credit or debit card. You can also link your current account up to Apple Pay if you have an iPhone, and Android Pay if you have an Android phone.
Charlie Barton is a publisher at Finder. He specialises in banking and investments products, including banking apps, current accounts, share-dealing platforms and stocks and shares ISAs. Charlie has a first-class degree from the London School of Economics, and in his spare time enjoys long walks on the beach.
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