Halifax

Halifax and its sister brand Bank of Scotland have been owned by Lloyds Banking Group since 2009, when the group acquired HBOS. Other brands in the group include Bank of Scotland, Lloyds Bank, Scottish Widows, and Birmingham Midshires.

As part of one of the largest banking groups in the UK, it is able to offer comprehensive banking services, from current accounts to mortgages, credit cards to personal loans.

Halifax doesn't just offer banking services, but also provides various insurance products. These are backed by several different underwriters.

Halifax's home insurance is underwritten by Lloyds Bank General Insurance, its travel insurance by AXA.

Its car insurance is arranged and administered by BISL Limited, which owns Budget Insurance and Dial Direct. Customers are passed on by BISL to one of a number of insurers on its panel.


Halifax
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Gold ribbon: first place

Bank accounts

Ranked 11th of 30 providers reviewed.

Customer happiness 58%
Customer trust 50%
Complaints performance 85%
Transparency rating 60%
Fairer Finance score
Reviewed Spring 2019
63%

Car insurance

Ranked 42nd of 51 providers reviewed.

Customer happiness 56%
Customer trust 43%
Complaints performance 73%
Transparency rating 34%
Fairer Finance score
Reviewed Spring 2019
52%
Gold ribbon: first place

Credit cards

Ranked 5th of 34 providers reviewed.

Customer happiness 57%
Customer trust 50%
Complaints performance 85%
Transparency rating 61%
Fairer Finance score
Reviewed Spring 2019
63%

Home insurance

Ranked 24th of 47 providers reviewed.

Customer happiness 52%
Customer trust 46%
Complaints performance 73%
Transparency rating 58%
Fairer Finance score
Reviewed Spring 2019
57%
Gold ribbon: first place

Mortgages

Ranked 6th of 23 providers reviewed.

Customer happiness 55%
Customer trust 46%
Complaints performance 83%
Transparency rating 59%
Fairer Finance score
Reviewed Spring 2019
61%
Gold ribbon: first place

Personal loans

Ranked 5th of 24 providers reviewed.

Customer happiness 61%
Customer trust 56%
Complaints performance 85%
Transparency rating 44%
Fairer Finance score
Reviewed Spring 2019
62%
Gold ribbon: first place

Savings accounts

Ranked 12th of 42 providers reviewed.

Customer happiness 48%
Customer trust 47%
Complaints performance 85%
Transparency rating 68%
Fairer Finance score
Reviewed Spring 2019
62%

Car insurance

Halifax

Car Insurance

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £75
Cover for keys/locks if stolen i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Credit cards

0% balance transfers

Halifax

No Fee 0% Balance Transfer

4 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 18 or 20
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Halifax

Low Fee 0% Balance Transfer

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 18 or 25
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Halifax

Longest Balance Transfer

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 29 or 18
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

Halifax

0% Purchase and Balance Transfer

2 stars
Balance transfer rate during promotional period i 0%
Duration of offer period for 0% balance transfers i 18 or 24
Representative APR i 19.90%
Risk based? i
Representative balance transfer rate i 1.53%

0% purchases

Halifax

No Fee 0% Balance Transfer

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 6 or 9
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Halifax

Low Fee 0% Balance Transfer

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 9 or 12
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Halifax

0% Purchase and Balance Transfer

3 stars
Purchase rate during promotional period i 0%
Duration of offer period for 0% purchases i 9 or 24
Representative APR i 19.90%
Risk based? i
Representative purchase rate i 1.53%
Number of days before interest is charged on purchases i 56 days

Foreign use

Halifax

Clarity

4 stars
Representative APR i 19.90%
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Halifax

No Fee 0% Balance Transfer

2 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Halifax

Low Fee 0% Balance Transfer

2 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Halifax

Longest Balance Transfer

2 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Halifax

0% Purchase and Balance Transfer

2 stars
Representative APR i 19.90%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 1.53%

Halifax

FlexiCard

2 stars
Representative APR i 6.40%
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 3%
Risk based? i
Number of days before interest is charged on non-sterling cash transactions i 0 days
Representative purchase rate i 0.52%

Low rate

Halifax

FlexiCard

5 stars
Representative APR i 6.40%
Representative cash transaction rate i 0.52%
Representative purchase rate i 0.52%
Risk based? i
Representative balance transfer rate i 0.52%
Representative money transfer rate i

Money transfers

Halifax

No Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Halifax

Clarity

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Halifax

Low Fee 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Halifax

Longest Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Halifax

0% Purchase and Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of 0% offer period for money transfers i
Representative APR i 19.90%
Risk based? i
Money transfer fee during promotional period i
Representative cash transaction rate i 1.53%

Home insurance

Halifax

Home Insurance Ultimate

4 stars
Escape of water excess i £50
Matching sets i
Theft from outbuildings i £10,000
24hr helpline i
Alternative accommodation i £100,000
Cover for keys/locks if lost i Sum insured
Money in the home i £1,000
New for old i

Halifax

Home Insurance

2 stars
Escape of water excess i £500
Matching sets i
Theft from outbuildings i £0
24hr helpline i
Alternative accommodation i £30,000
Cover for keys/locks if lost i £250
Money in the home i £500
New for old i

Buildings insurance

Halifax

Home Insurance Ultimate

5 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Compulsory excess i £50
Escape of water excess i £50
Alternative accommodation cover limit i £100,000
Cover for keys/locks if stolen i Sum insured
Property owner liability i £2,000,000
24hr helpline i

Halifax

Home Insurance

2 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £250
Compulsory excess i £100
Escape of water excess i £500
Alternative accommodation cover limit i £30,000
Cover for keys/locks if stolen i £250
Property owner liability i £1,000,000
24hr helpline i

Contents insurance

Halifax

Home Insurance Ultimate

4 stars
Theft from outbuildings i £10,000
Matching sets i
Cover for keys/locks if lost i Sum insured
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £30,000
Money in the home i £1,000
Cover for keys/locks if stolen i Sum insured
24hr helpline i

Halifax

Home Insurance

3 stars
Theft from outbuildings i £0
Matching sets i
Cover for keys/locks if lost i £250
Cycles included whilst in the home i £0
New for old i
Alternative accomodation i £20,000
Money in the home i £500
Cover for keys/locks if stolen i £250
24hr helpline i