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Bank Account Charges
The table below outlines the charges that we apply to your account in a number of different circumstances.
| Type of Fee | Description | Halifax Ultimate Reward Current Account, Halifax High Interest Current Account, Halifax moneyback Current Account and Halifax Current Account | Easycash | Cardcash | |||||||||
| Students+ | All other customers | Over 18 | Under 18 | Over 18 | Under 18 | ||||||||
| Paid Item Fee | A fee applied when a card payment, cheque (whether guaranteed or not), standing order and Direct Debit that we pay results in a or increases an Unarranged Overdraft | £20 (no more than 1 charge per day) | £35 (no more than 3 charges per day) | Not applicable | Not applicable | ||||||||
| Unpaid Item Fee | A fee applied when we decide to return unpaid, or not pay, any cheque, card payment, Direct Debit, standing order or other payment instruction because there are insufficient funds or no Arranged Overdraft. | £20 (no more than 1 charge per day) | £35 (no more than 3 charges per day) | £15 (no more than 3 charges per day) | No charge | £35 (no more than 3 charges per day) | No charge | ||||||
| Unarranged overdraft fee | An fee for an Unarranged Overdraft that is applied when your account goes overdrawn without a pre-arranged facility or when it exceeds an arranged facility. | £28 | £28 | Not applicable | £28 | No charge | |||||||
| Charges for special services | Stopped cheque (except for lost or stolen cheque) | £7.50 | Not applicable | £7.50 | |||||||||
| Special presentation of cheques | £12 | ||||||||||||
| Banker's draft | £10 | £10 | No Charge | £10 | No charge | ||||||||
| Copies of paid cheque | £5 | Not applicable | £5 | ||||||||||
| Extra statement | £5 | ||||||||||||
| CHAPS (Clearing House Automated Payment System) payment | £25 | ||||||||||||
| Foreign currency, travellers cheques and cross-border transfers | Please ask for details | ||||||||||||
There is no charge or debit interest payable if you are aged under 18. We will give you at least 14 days' notice before we take any interest out of your account.
Making purchases in a foreign currency
When you use your card to make a purchase in a foreign currency or withdraw cash using a foreign cash machine, the transaction amount will be changed to pounds sterling on the date we take it out of your account. This may not be the same date as the transaction is carried out. We will select the appropriate exchange rate which will always be reasonable one, then include a conversion fee of 2.75% of the total amount of the transaction. We also deduct a service charge of £1.50 out of your account immediately for each transaction.
+ Student is defined in the Bank of Scotland Bank Account conditions.