I am in the process of severing all ties with Halifax. They shut my credit card last year for no reason (I've never paid late or gone over my limit - just had a zero balance for a few months), then when I was in the process of changing my standing order to their junior saver account from one bank to another they closed the account for missing just one deposit! They act like they don't want your custom so they definitely won't be getting mine any more!

Posted by Caroline Ray on the 18th January 2010

I don't have a bad word to say about Halifax, I have used their current accounts, savings accounts, ISAs, credit cards and share dealing accounts and never had a single problem. I love their website. Don't use branches much but online banking has always been fine.

Posted by C Bunch on the 1st December 2009

I have had my savings account with Halifax since I was born. I have just recently gone to see if I can put my money in a bond or an isa, the staff were unhelpful and the interest rates were extremely low. It is also hard to get appointments booked at Halifax.

Posted by Jonathan on the 3rd November 2009

I was with Halifax for 25 years and they were great until they opened call centres and then merged with BOS. Although I have dealt with some good call centre staff, the majority have been worse than useless. The final straw came when someone suspended my account because I had logged online in UK and abroad within space of two days. This person spent 5 minutes arguing what day it was before finally realising I had been online in Spain the day before I came home to the UK and checked in UK on my return. I thought that was the point of online banking. In the end I had enough, I moved my current account, online saver and shut down my ISA as want nothing to do with these incompetents. Switched to A and L and got £100 reward and free overdraft for a year and cannot fault them!

Posted by richard on the 22nd October 2009

Halifax are awful - I have dealt with them for a Current Account, an ISA and other savings accounts and have had nothing but trouble. You CANNOT access your money readily, their staff are rude and unhelpful and they don't have a clue what they are doing. Customer Service is a foreign concept to Halifax. The only way I got anywhere was via the Financial Ombudsman Service. AVOID HALIFAX AT ALL COSTS!

Posted by Private on the 5th October 2009

I have had nothing but frustration when dealing with this bank. I too had a similar saga when I tried to open an account. I set up an SO to pay my rent but they kept getting the amount wrong so this caused trouble with my landlord. It was awful. I just tried to call and close a savings account to be told that I had to go into the branch even though I had opened it online.

To top it all they asked me what I was using the money for that I was withdrawing. I was totally taken aback. How dare they ask me what I intend to do with my money? I can scarcely credit that this is a professional bank. I told them they had absolutely no right to ask me such an intrusive question which was clearly none of their business.

No wonder they are in trouble.

Posted by Sandra on the 18th August 2009

I thought they were great when I first transferred to them, but now they have changed everything I get £5 a month and then they charged a £1 a day for an authorised overdraft. How on earth are you suppose to sort out your finances when you ask for help and they just want to get you involved in a large loan with a huge APR rate. We all helped sort them out when the banks made a mess of their finances but they are useless with helping their customers.

Posted by Sue Taylor on the 22nd July 2009

Totally disappointed in the Halifax, after being with them 20yrs plus, there customer care is nonexistent, what a shame that I have to look for a new bank that cares.

Posted by vanessa on the 29th April 2009

No, Halifax want me to change account and promise a fiver a month but then charge you £1 a day for when you using authorised overdraft.

Posted by christine on the 27th March 2009

I think that it is a good bank and I wouldn't change.

Posted by Jade Jones on the 29th September 2008

Great> Just transferred from the Abbey to Halifax, Great thing with is Abbey is great customer service and no Indian call centres, ;-)although Halifax OD charges are a little too high .

Posted by Melanie on the 13th September 2008

Lovely bank, excellent customer service, good rates, not full of rubbish, they sell by fact and truth.
Everyone that is moaning about bank charges, why not try and control your money slightly better? If someone was to take £200 from you and not pay it back for ages surely you would want something extra from them?
But anyway Halifax could not say a bad thing about them.

Posted by - on the 17th August 2008

I have been with the Halifax for 20 years and have needed help or assistance just three times. I found them almost useless each time and the attitude disgraceful. My latest adventure of the missing cheque is on going, see www.halifax.gb.net or www.line123.co.uk for details.

Posted by Mr Brendan McNulty on the 16th August 2008

I am astounded at the spiraling amounts of money Halifax can justify charging me for sending me a letter to say I am overdrawn! Had they sent me statements in the last two months maybe I would have known that myself!! I have been unable to access my internet banking as they have been experiencing difficulties every time I have tried to look into my finances! I have several accounts with money in and had they took some out of one of those or called to discuss with me the options I would not mind paying £52 for being £3 overdrawn! It must have taken someone 2 minutes to press print on a standard letter and the cost of a stamp... in my opinion totally overrated!! Do not bank here unless you enjoy lining the pockets of the bank managers!!!

Posted by Diane Beckingham on the 17th October 2007