Halifax Avis 

my payment was declined for no reason other than that halifax didn't expect me to make it. I have been on a chat with them for over an hour - every time the customer service agent (a human) responds I respond instantly and there is a half hour wait until the next message comes in. I can see she is reading my messages in the meantime, but then they are ignored. I have already confirmed that the transactions they asked about were indeed mine, and yet nothing is happening - just total silence. It is such awful customer service and a massive waste of time for me sitting here waiting for them to reply to my messages.

UPDATE: Still waiting, 2.5 hours after I tried to make the payment. Don't run away with the idea I am not having a chat online - I am - but the response time is half an hour per message - ie please could you confirm your name - yes (instant response) here it is - half an hour's pause - thank you, now please can you confirm your telephone number...

Pay £15 per month for this card. Customer service is non existent. If you call them the wait time is in excess of 20 minutes. The chat bot does not understand the simplest of questions or statements. Considering this is a credit card why do the telephone lines only operate between 8.00 and 18.00. Just dreadful service

A toxic brand that is being retired.

I have been with this joke of a bank for around 20 years.

They told lesbians like me to 'close their account' if we believed in same-sex attraction - discrimination is perfectly fine if you are a bank.

Never forget - they did not support us when we wanted same-sex marriage and have always hated lesbians. Stop draping yourselves in rainbow flags - we are not your human shields.

I would not recommend Halifax for a mortgage. It can be a frustrating and time-consuming process, and in the end, you may be disappointed with the outcome. They also offered me the highest mortgage rate compared to other lenders. I only wish I had known this before starting the process.

3.30pm thurs afternoon after .10 minutes talking to a computer i then spent 38 mins waiting to correct a d.d. They have no customer services they despise having to talk to customers and have formulated a system to wear you down to the point of not caring. Its not a one off its always the same. If they are rebranding fine but customers still deserve service

Today i received an email off Halifax banking, it stated check a message in our app. As in the past i opened the app on my phone, absolutely impossible to read as the text is tiny.I have reported this on Trustpilot before,it would seem they don't give a toss about there customers If there was an attachment section on here i would have posted a screen shot , to prove my point. !

Goin to miss halifax when it transfers to Llyods been a customer 50 yrs

Horrendous experience today with Halifax - I was not allowed to transfer my own money to purchase a Car from a friend of 40 years - after answering 101 questions I was told "The Computer says no !" I then asked what I could do and was told I had to drive to where I was buying the car from and phone back when I was in the Car and they would approve my transaction !! When I said that was the most ridiculous thing I had ever heard - I was told my on line banking would be frozen and I would have to go into a branch - those now very rare things !! - take all my id and proof of the car I wanted to buy and see if they would allow the purchase !!! I am 59 years old not 3 !!.

Rang Halifax to transfer large amount of money. Went through security questions and I thought there was no problem. The fraud department was flagged. Told to go to branch to sort it out. By the time I was at branch in Allerton road, Liverpool about 4.05pm ,I was told to come back tomorrow because they were closing at 4.30pm and it will take time to sort it out. My account was frozen and I can't even transfer it to my saving account to earn a bit of interest. So I went to Hunt Cross Branch, Liverpool and sorted it out . I lost one day of interest .It was a large sum which I wanted to transfer.

I fell foul of a scam transaction, of £1400. This was a lot of money to me. Thanks to the Halifax staff, and excellent fraud squad, I can gratefully thankyou all, now that you have refurnished my account, and only charged me £100, for the service. Well done! I will be more careful in the future! A lesson we'll learned

It's probably best halifax is closing. I phoned a while ago to make an appointment at the norwich branch to discuss financial matters. My account is there. There was a big queue to get in. I was asked why i was there and said i had an appointment with a financial advisor at 11.45. She went away, dealt with another customer saw i was still waiting and spoke to a guy there. She then came over and asked if she could see the message confirming the appointment. To cut a long story short. The fincial advisor was not aware of my appointment and anyway couldn't give me any advice. I left. When I got home i received an email from halifax, timed 10.45, to say my appointment was cancelled. What a mess. No wonder there score is so low. They will have 1 less customer to worry about tomorrow.

I reported an unauthorised payment on my account,they refunded the money instantly which was good,but 9 days later I recieved my new card.They said I could use Google Pay but only on my phone which doesn't support that app.When I chased them up they said it had been sent second class and not even tracked,don't think much of their cutomers then.

Halifax are offering family travel insurance through Allianz — but when Allianz mishandles a claim, Halifax refuse to take any responsibility.

I raised a formal complaint with Halifax because Allianz is acting as Halifax’s appointed insurer for the travel insurance Halifax provides to customers. Halifax sold this product, Halifax chose Allianz, and Halifax is responsible for the service delivered under it.

In my complaint, I clearly stated that I had already raised the issues with Allianz directly and that i have taken this to the Financial Ombudsman and it is currently sitting with them. Despite this, Halifax forwarded my complaint straight to Allianz without reading it, then sent me a letter saying “the issues you’ve raised do not relate to Halifax.”

They literally forwarded the complaint to Allianz while claiming it has nothing to do with them — even though my complaint explicitly explained that I had already contacted Allianz and that the issues relate to Halifax’s responsibility for the product they provide.

This means Halifax:
• didn’t read my complaint
• didn’t investigate any of the issues
• didn’t follow FCA DISP rules
• didn’t acknowledge their responsibility for the product they provide
• didn’t handle my complaint at all

Halifax offer this travel insurance as part of their account benefits — but when something goes wrong, they wash their hands of it.

I am now escalating this to the Halifax Executive Complaints Team and the Financial Ombudsman Service.

This is not acceptable behaviour from a regulated bank.

This has to be the worst website EVER. No chance of speaking to a human. How on earth is my 91 year old mother supposed to get help with a security risk.
Make a profit from but don't bother looking after her!

If you need to talk to them. Wait for a HUGE hold. I needed to speak to a human for a service which they stated couldn't be done in their APP.
Just waited on a call for over 20 minutes with a ringing tone. No... you are in a queue... or your wait is....
If you want a great experience my partner uses First Direct and always gets amazing service when she calls.

Halifax Clarity Card, paid off balance in full, they then took £488 regardless, so had a credit in my account, asked for it to be refunded to another bank, I had to wait until it cleared, then transferred it this took over a week and still not in my account and now appeared back as a credit again on my Clarity card, this is despite speaking to a real person and caused by Halifax taking a payment that wasn't due. This on top of issues using the same card abroad basically getting "cut off" after a certain time of night. Pointless account and will be closing

App that works occasionally. When you have trouble - good lord! If I get one more letter from them saying they’ll sort it within a month (ongoing since December 2025) I’ll scream. The letters always discuss going to the ombudsman. Today the ombudsman gets in touch to say they can’t get a response from Halifax either.

G to monzo or ANNA. Both have been amazing and i wish id swapped ten years ago.

I've been a customer for 20 years and up until recently was satisfied with the service.
In 2 weeks, my opinion has gone down to 1*, only because it's the lowest.
Trying to contact a human is an exercise in frustration and temper; I tried this afternoon after an amount for £5.00 and a further one for £100.00 were declined when I had funds for both. The auto bot is useless, ending with a promise to connect to a human in '40 minutes'. Either an appalling service, with so many complaints or a lack of staff. Or both. I emailed the CEO Charlie Nunn and hope to hear something soon, before the declined £100.00 payment destroys my reputation.
Received an apology for the delay 'due to so many complaints Halifax is experiencing' and a 'promise' to review within 4 weeks.

Ordered a debit card replacement. It did not arrived. Called to ask about it - not possible to get them to answer. Waited 34 min. Last time. I am not waiting more than 10 min. Will have to change the bank by the looks of it. And it was easy to contact them few years back. I guess they stopped caring.

After a message on my Halifax app telling me to call their fraud line, for no apparent reason, I then waited for 44mins on hold. This is totally unacceptable. I know Halifax is closing, being taken over by Lloyds, (with huge staffing cuts), which is even worse than Halifax, if that could be possible! Halifax obviously does not want our business anymore….I get the 2-fingered gesture they’re sending us! Time to change banks now. After 30 years it bye from us.