TL;DR
Halifax is a trading name of Bank of Scotland plc, part of Lloyds Banking Group. General customer service is on 0345 720 3040. FSCS protection covers eligible deposits up to 85,000 pounds. Complaints unresolved after eight weeks can be escalated to the Financial Ombudsman Service at no cost to the customer.
Last reviewed: June 2026
Halifax is one of the UK's largest retail banks with around 17 million customers and a branch network across Great Britain. It offers current accounts, savings accounts, mortgages, credit cards, loans and insurance products. Halifax is a trading name of Bank of Scotland plc, which is part of Lloyds Banking Group, authorised by the Prudential Regulation Authority (PRA) and regulated by the Financial Conduct Authority (FCA) and the PRA.
This guide covers all current Halifax contact channels, what to do if something goes wrong, how to use Halifax online and mobile banking, and how to access FSCS protection information.
KEY FACTS
- Halifax general enquiries: 0345 720 3040 (8am to 8pm Monday to Friday, 9am to 3pm Saturday).
- Halifax is a trading name of Bank of Scotland plc, part of Lloyds Banking Group.
- FSCS eligible deposits are protected up to 85,000 pounds per person. Joint accounts are covered up to 170,000 pounds.
- Complaints must be acknowledged within five business days under FCA DISP rules.
- The Financial Ombudsman Service can be contacted at financial-ombudsman.org.uk or on 0800 023 4567.
- Customers suspecting fraud should call 0800 917 7017, available 24 hours a day.
Halifax contact numbers and channels
Halifax operates a tiered customer service structure. The main general enquiries number is 0345 720 3040, available Monday to Friday 8am to 8pm and Saturday 9am to 3pm. This line covers current accounts, savings, credit cards and general queries.
For mortgage enquiries, the dedicated line is 0345 850 3705, available Monday to Friday 8am to 8pm and Saturday 9am to 4pm. Halifax mortgage customers who are in financial difficulty should call as early as possible, as the bank has a dedicated team to discuss payment holidays, term extensions and other support options.
Fraud and card loss should always be reported on 0800 917 7017, which is available 24 hours a day, seven days a week. If a card is lost or stolen abroad, the international number is +44 1733 347 007. Customers should also freeze their card immediately via the mobile app to prevent unauthorised transactions while they make contact.
Halifax has a branch network across Great Britain. Branch locators and opening hours are available at halifax.co.uk/branchlocator. Many routine transactions including deposits, withdrawals and balance enquiries can also be carried out at any Post Office branch using a Halifax debit card.
For written correspondence, the address is Halifax Customer Services, PO Box 548, Leeds, LS1 1WU. Written responses typically take seven to ten working days. For formal complaints, a separate address applies (see the complaints section below).
Halifax online banking and mobile app
Halifax online banking is available at halifax.co.uk. Customers can view balances and statements, make payments and transfers, set up or cancel direct debits, apply for additional products and update personal details. First-time registration requires your debit card number, date of birth and a memorable information question.
The Halifax Mobile Banking app is available on iOS (App Store) and Android (Google Play). The app supports biometric login via fingerprint or Face ID, instant card freezing, spending categorisation, and push notifications for transactions. The app also supports the Confirmation of Payee service, which checks the name on the destination account before a payment is sent, reducing the risk of authorised push payment fraud.
If online banking access is lost, the self-service password reset at halifax.co.uk allows customers to reset credentials after passing identity verification. If the reset fails, calling 0345 720 3040 and selecting the digital banking option connects to a team that can restore access after verifying identity over the phone.
How to make a complaint to Halifax
Halifax is required under FCA DISP (Dispute Resolution) rules to handle complaints fairly and promptly. A complaint can be made by phone on 0345 720 3040, in writing to Halifax Customer Relations, Trinity Road, Halifax, HX1 2RG, in any Halifax branch, or via the online complaint form at halifax.co.uk/contactus.
Halifax must acknowledge a complaint within five business days and resolve it within eight weeks. For payment service complaints, the resolution window is fifteen business days under the Payment Services Regulations 2017, extended to 35 business days in exceptional circumstances.
If Halifax's response is unsatisfactory or eight weeks have passed without a final response, customers can escalate to the Financial Ombudsman Service (FOS) free of charge. The FOS can be contacted at financial-ombudsman.org.uk, by post to Exchange Tower, London E14 9SR, or by calling 0800 023 4567. The FOS has the power to award compensation up to 415,000 pounds for complaints referred after 1 April 2019.
FSCS protection and what it means for Halifax customers
Halifax deposits are protected by the Financial Services Compensation Scheme (FSCS) up to 85,000 pounds per eligible person per institution. Because Halifax and Bank of Scotland are trading names of the same legal entity, Bank of Scotland plc, deposits held across Halifax and Bank of Scotland accounts count together toward the 85,000 pound limit.
Lloyds Bank is a separate legal entity (Lloyds Bank plc) and therefore has its own separate 85,000 pound FSCS limit. Customers who hold deposits with both Halifax and Lloyds Bank benefit from two separate FSCS limits of 85,000 pounds each.
For temporary high balances, such as proceeds from a property sale, the FSCS provides additional protection of up to 1 million pounds for six months following the qualifying event. This is intended to protect customers during transitional periods when balances may temporarily exceed the standard limit.
Halifax accessibility services
Halifax offers a range of accessibility services including large print, Braille and audio statements on request. Relay UK (previously Next Generation Text) is available for customers who are deaf or have speech impairments, accessible by dialling 18001 before the Halifax number. British Sign Language video interpreting is available via SignVideo at halifax.co.uk.
The Halifax Accessibility and Disability team can be reached at the main customer service number and can arrange reasonable adjustments including third-party authority to act on behalf of a customer, which may be relevant for customers managing finances for a vulnerable family member.
Frequently asked questions
How do I complain to Halifax?
Complaints can be made by phone on 0345 720 3040, in branch, in writing to Halifax Customer Relations, Trinity Road, Halifax, HX1 2RG, or via the online form at halifax.co.uk. If the complaint is not resolved within eight weeks, escalate to the Financial Ombudsman Service at financial-ombudsman.org.uk.
Is Halifax covered by the FSCS?
Yes. Halifax is a trading name of Bank of Scotland plc, authorised by the PRA and regulated by the FCA and PRA. Eligible deposits are protected up to 85,000 pounds per person. Note that Bank of Scotland deposits count toward the same limit as Halifax deposits.
How do I reset my Halifax online banking?
Go to halifax.co.uk and select the forgotten password option. Follow the identity verification steps. If the self-service reset fails, call 0345 720 3040 and select the digital banking option for assisted access restoration.
What is the Halifax fraud number?
Report fraud or a lost or stolen card on 0800 917 7017, available 24 hours a day, seven days a week. Freeze your card in the Halifax mobile app immediately while you make contact.
Can I use Post Office branches for Halifax banking?
Yes. Halifax current account and savings customers can make cash deposits, withdrawals and balance enquiries at any of the 11,500 Post Office branches in the UK using their Halifax debit card.
