To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower. Sometimes the transaction might be an earmark added by a retailer to your account When you make a debit card transaction, the money is earmarked in your account. Once the amount you’ve spent leaves your account, we’ll remove the earmark .

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You'll find cash machines outside most of our branches. You can use them any time of day or night for:When you use a paying-in slip the funds will show in your account, and will be available for you to use from the day we receive them from the Post Office®. This will usually be the next working day. Every Post Office® branch has different cut-off times for paying in cash and for paying in cheques. If you deposit after the cut-off time an additional working day to processing times where relevant will apply.

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Yes. As this account pays a variable rate of interest it can change over time. We’ll always let you know of any planned changes to the rate. Our account conditions (PDF, 210KB) explain when and how we do this. For example, we might review the interest rate if the Bank of England base rate changes. Trained advisers are just a phone call away. Some essential and automated services are available 24 hours a day, 7 days a week. Other specialist services might have limited opening hours. Reported after 5pm on Friday, or on Saturday or Sunday - your card details will be available the following Tuesday.

If you're registered for Online Banking, you can request a replacement card or PIN onlineor by using your Halifax Mobile Banking app. There is a small chance that homes and businesses could be flooded, causing damage to some buildings

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Our automated service is available 24 hours a day, 7 days a week, Our advisers are available 8am – 8pm, seven days a week. WebChat is a great way to bank online and talk to us at the same time. It gives you the best of both worlds if you have a question or want a bit of help online. And it may be a good option if you prefer not to use the phone, or can't get to a branch at the time. Can we save you a trip?There are lots of ways to stay on top of your money that don’t involve going to a branch: Buying the policy on behalf of someone else? You can still call us. Please just make sure the policy holder is with you when you call.AER stands for Annual Equivalent Rate. Whenever you see an advert for a savings account which shows an interest rate, you will see the AER. This means you can use the AER to compare accounts. It shows what the interest rate would be if your interest was paid and compounded once each year. When someone is paying you for the first time, there’s an option to share your account details in our app. Cheques paid in at a Post Office® will take at least one additional working day to credit your account. Trapped in the ice, the crew encounters the fearsome snow-goblins and ice-trolls. All looks grim until Grandfather Frost himself appears, down from the very roof of the world to see to their keep.

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Choose the card you want to view then select View card details again. This will display your 16 digit card number. You can only view details of active cards. Did you know you can do your everyday banking at your local Post Office? That might be good if it saves you a trip into town, or has better access for getting in and out. At the Post Office you can: Find out what you can do using our app or Online Banking. To get further help and support, you can also chat to us in the app.The Met Office issues warnings for rain, thunderstorms, wind, snow, lightning, ice, extreme heat and fog. These warnings are given a colour depending on a combination of both the impact the weather may have and the likelihood of those impacts occurring.