{ "meta": { "LastUpdated": "2026-07-29T23:01:23Z", "TotalResults": 7, "Agreement": "Use of the APIs and any related data will be subject to the terms of the Open Licence and subject to terms and conditions", "License": "https://www.openbanking.org.uk/open-licence", "TermsOfUse": "https://www.openbanking.org.uk/terms-conditions" }, "data": [ { "Brand": [ { "BrandName": "Halifax", "PCA": [ { "Name": "Ultimate Reward Current Account ", "Identification": "3002", "Segment": [ "Packaged" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HUA-R001", "PredecessorID": "HUA-R003", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "HUA-ODAR002", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "HUA-AT-102", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.0", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount.\n" ] }, { "Identification": "HUA-AT-103", "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Ultimate Reward Current Account you must be 18 or over and a UK resident." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Halifax Ultimate Reward Current Account Benefits", "Type": "Other", "Notes": [ "Halifax Ultimate Reward Current Account Benefits" ], "OtherType": { "Name": "Ultimate Reward Current Account Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "HPA-BG-001", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 71 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "HPA-BG-002", "Type": "MotorBreakdown", "Name": "AA breakdown Family Cover", "Textual": "Includes Roadside Assistance and At Home. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "HPA-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32000 (including VAT) Covers loss, theft, damage or breakdown (including faults)" }, { "Identification": "HPA-BG-004", "Type": "HomeProtection", "Name": "Home Emergency Cover ", "Textual": "This policy is to deal with \u2018home emergencies\u2019 needing immediate attention only and will cover costs up to a maximum of \u00a3250 (including VAT). It does not cover broken freezers for example." }, { "Identification": "HPA-BG-005", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "HUA-BI-002", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HUA-BI-004", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HUA-BI-005", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HUA-BI-006", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HUA-BI-009", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFeeMonthly", "FeeAmount": "19.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly" }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.halifax.co.uk/bankaccounts/current-accounts/ultimate-reward-current-account/", "ProductDescription": "An account with a range of benefits for a \u00a319 monthly maintaining the account fee. Includes worldwide family travel insurance, AA Breakdown, mobile phone insurance and home emergency cover. ", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "HUA-R003", "MarketingState": "Promotional", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "2026-05-05", "StateTenureLength": 6, "StateTenurePeriod": "Month", "Notes": [ "Switching to Halifax" ], "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "HUA-ODAR001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "HUA-AT-202", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "If you\u2019re opening an account and you switch your main current account to Halifax, we\u2019ll give you an arranged overdraft with no daily arranged overdraft interest, subject to status, for the first six months. After this time, daily arranged overdraft interest will apply based on the account you\u2019ve chosen. " ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Ultimate Reward Current Account you must be 18 or over and a UK resident." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitGroup": [ { "Name": "Halifax Ultimate Reward Current Account Benefits", "Type": "Other", "Notes": [ "Halifax Ultimate Reward Current Account Benefits" ], "OtherType": { "Name": "Ultimate Reward Current Account Benefits", "Description": "Packaged account benefits" }, "FeatureBenefitItem": [ { "Identification": "HPA-BG-001", "Type": "TravelInsurance", "Name": "Worldwide travel insurance", "Textual": "Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children). Up to the age of 71 for adults and 18 or under (24 or under if still in full time education) for children." }, { "Identification": "HPA-BG-002", "Type": "MotorBreakdown", "Name": "AA Breakdown family Cover", "Textual": "Includes Roadside Assistance and At Home. The customer and eligible family member is covered, not the vehicle.\nProvides cover within the UK, Channel Islands and Isle of Man." }, { "Identification": "HPA-BG-003", "Type": "TechnologyInsurance", "Name": "Mobile phone insurance", "Textual": "Insures one phone on a sole account and two phones for joint accounts Repair or replacement phone up to a maximum of \u00a32000 (including VAT) Covers loss, theft, damage or breakdown (including faults)" }, { "Identification": "HPA-BG-004", "Type": "HomeProtection", "Name": "Home Emergency Cover ", "Textual": "This policy is to deal with \u2018home emergencies\u2019 needing immediate attention only and will cover costs up to a maximum of \u00a3250 (including VAT). It does not cover broken freezers for example." }, { "Identification": "HPA-BG-005", "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ] } ], "FeatureBenefitItem": [ { "Identification": "HUA-BI-007", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HUA-BI-009", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HUA-BI-010", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HUA-BI-011", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HUA-BI-012", "Type": "AccountOpeningOrSwitching Incentive", "Name": "Six month fee free overdraft ", "Textual": "If you\u2019re opening an account and you switch your main current account to Halifax, we\u2019ll give you an overdraft with no daily overdraft fees, subject to status, for the first six months. After this time, daily overdraft fees will apply based on the account you\u2019ve chosen." }, { "Identification": "HUA-BI-015", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFeeMonthly", "FeeAmount": "19.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly" }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.halifax.co.uk/bankaccounts/current-accounts/ultimate-reward-current-account/", "ProductDescription": "An account with a range of benefits for a \u00a319 monthly maintaining the account fee. Includes worldwide family travel insurance, AA Breakdown, mobile phone insurance and home emergency cover. ", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Reward Current Account ", "Identification": "3001", "Segment": [ "Reward" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HRA-R001", "PredecessorID": "HRA-R003 ", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "To qualify for credit interest, you'll need to pay two separate Direct Debits from your Reward current account each calendar month." ], "TierBand": [ { "TierValueMinimum": "1", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "1.5", "BankInterestRateType": "Gross" }, { "TierValueMinimum": "4000", "TierValueMaximum": "5000", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3.0", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Reward current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "HRA-ODAR001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "HRA-AT-101", "TierValueMin": "0.00", "TierValueMax": "100.00", "EAR": "0.00", "Notes": [ "The arranged overdraft interest rate does not apply provided you do not exceed your \u00a3100 interest-free amount.\n" ] }, { "TierValueMin": "100.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Reward Current Account you must be 18 or over and a UK resident." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HRA-BI-002", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HRA-BI-004", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HRA-BI-005", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HRA-BI-006", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HRA-BI-008", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Travel", "Name": "No debit card charges abroad", "Textual": " Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "3.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Reward monthly maintaining the account fee is \u00a33 per month. The \u00a33 fee is waived for each month you pay at least \u00a31500 into your account. If in any month you don\u2019t pay in this amount, you will need to pay the \u00a33 monthly maintaining the account fee." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/", "ProductDescription": "An account with additional rewards if you qualify.This account has a \u00a33 monthly maintaining the account fee. The fee will not be charged if you pay in at least \u00a31,500 during the calendar month.", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "HRA-R003", "MarketingState": "Promotional", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "2026-05-05", "StateTenureLength": 6, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 6 months" ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "Notes": [ "To qualify for credit interest, you'll need to pay two separate Direct Debits from your Reward current account each calendar month." ], "TierBand": [ { "TierValueMinimum": "1", "TierValueMaximum": "3999.99", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "1.5", "BankInterestRateType": "Gross" }, { "TierValueMinimum": "4000", "TierValueMaximum": "5000", "CalculationFrequency": "Daily", "ApplicationFrequency": "Monthly", "DepositInterestAppliedCoverage": "Tiered", "FixedVariableInterestRateType": "Variable", "AER": "3", "BankInterestRateType": "Gross" } ], "CreditInterestEligibility": [ { "Name": "Minimum Direct Debits", "Description": "Must pay two separate Direct Debits from your Reward current account", "Type": "DirectDebits", "Amount": "2", "Textual": "You must pay two separate Direct Debits from your Reward current account each calendar month", "Period": "Month" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "Identification": "HRA-ODAR001", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "HRA-AT-201", "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "If you\u2019re opening an account and you switch your main current account to Halifax, we\u2019ll give you an arranged overdraft with no daily arranged overdraft interest, subject to status, for the first six months. After this time, daily arranged overdraft interest will apply based on the account you\u2019ve chosen. " ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Reward Current Account you must be 18 or over and a UK resident." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HRA-BI-003", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HRA-BI-005", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HRA-BI-006", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HRA-BI-007", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HRA-BI-008", "Type": "AccountOpeningOrSwitching Incentive", "Name": "Six month fee free arranged overdraft", "Textual": "If you\u2019re opening an account and you switch your main current account to Halifax, we\u2019ll give you an arranged overdraft with no daily arranged overdraft fees, subject to status, for the first six months. After this time, daily arranged overdraft fees will apply based on the account you\u2019ve chosen." }, { "Identification": "HRA-BI-010", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Travel", "Name": "No debit card charges abroad", "Textual": "Wherever you are, we won't charge you for using your debit card.\nIf you\u2019re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.\u00a0" } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] }, { "FeeCategory": "Servicing", "FeeType": "ServiceCAccountFee", "FeeAmount": "3.00", "ApplicationFrequency": "Monthly", "CalculationFrequency": "Monthly", "Notes": [ "The Reward monthly maintaining the account fee is \u00a33 per month. The \u00a33 fee is waived for each month you pay at least \u00a31500 into your account. If in any month you don\u2019t pay in this amount, you will need to pay the \u00a33 monthly maintaining the account fee." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/reward-current-account/", "ProductDescription": "An account with additional rewards if you qualify. This account has a \u00a33 monthly maintaining the account fee. The fee will not be charged if you pay in at least \u00a31,500 during the calendar month.", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Current Account", "Identification": "3003", "Segment": [ "General" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HCA-R002", "MarketingState": "Promotional", "FirstMarketedDate": "2020-03-31", "LastMarketedDate": "2026-05-05", "StateTenureLength": 6, "StateTenurePeriod": "Month", "Notes": [ "Interest free Arranged Overdraft for 6 months" ], "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "TierValueMin": "0.00", "EAR": "0.0", "Notes": [ "If you\u2019re opening an account and you switch your main current account to Halifax, we\u2019ll give you an arranged overdraft with no daily arranged overdraft interest, subject to status, for the first six months. After this time, daily arranged overdraft interest will apply based on the account you\u2019ve chosen. " ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Current Account you must be 18 or over and a UK resident." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HCA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HCA-BI-003", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign", "Notes": [ "Withdraw money from any cash machine that shows the LINK or VISA sign." ] }, { "Identification": "HCA-BI-004", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HCA-BI-005", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address.\n" }, { "Identification": "HCA-BI-007", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Identification": "HCA-BI-008", "Type": "AccountOpeningOrSwitching Incentive", "Textual": "Get a 6 month fee free Overdraft when you switch - you\u2019ll then pay a daily arranged overdraft fee." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \r\nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate.", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/current-account/", "ProductDescription": "Free everyday banking. Manage your money 24/7, at home or on the go. It's that simple.\n\nIf you are unable to apply online, you can apply for your first Classic Account by booking an appointment at your nearest branch", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online", "CallCentre", "Branch" ], "ServicingAccessChannels": [ "Online", "Branch", "CallCentre", "MobileBankingApp", "PostOffice", "Post", "Text", "ATM" ], "MonthlyMaximumCharge": "0.00" } }, { "Identification": "HCA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2020-03-31", "LastMarketedDate": "9999-12-31", "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Whole", "OverdraftType": "OnDemand", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "TierValueMin": "0.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "To apply for a Halifax Current Account you must be 18 or over and a UK resident" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HCA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HCA-BI-003", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HCA-BI-004", "Type": "AccountManagement", "Name": "Joint Account" }, { "Identification": "HCA-BI-005", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address.\n" }, { "Identification": "HCA-BI-007", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \r\nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate.", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/current-account/", "ProductDescription": "Free everyday banking. Manage your money 24/7, at home or on the go. It's that simple.\n", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online", "Branch", "CallCentre" ], "ServicingAccessChannels": [ "MobileBankingApp", "Branch", "CallCentre", "ATM", "PostOffice", "Post", "Text", "Online" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Smart Spending", "Identification": "3592", "Segment": [ "Youth" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HYA-R002", "MarketingState": "Regular", "FirstMarketedDate": "2021-08-16", "LastMarketedDate": "9999-01-01", "Notes": [ "Arranged Overdrafts are not available on Smart Spending. If you do go overdrawn, you will not be charged a daily arranged overdraft fee." ], "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 11, "MaximumAge": 15, "Notes": [ "This account can only be opened online between the parent or legal guardian and a child, as part of applying for Money Smart. This means a Smart Savings account will be opened alongside the Smart Spending account. To open this account the parent or legal guardian must be 18 or over, resident in the UK and be registered for Online Banking. The child must be aged 11-15. The parent or legal guardian must have one of our current accounts. This includes accounts that are no longer on sale to new customers and our Basic account, but not our accounts designed for youth customers. The child must be living at the same address as the parent or legal guardian. The child can only hold one Smart Spending account." ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2 " } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HYA-BI-001 ", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HYA-BI-002 ", "Type": "AccountManagement", "Name": "ATM Withdrawals ", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HYA-BI-003", "Type": "AccountManagement", "Name": "Educational Support", "Textual": "Tips on how to use accounts, spend and save wisely and keep money safe and secure" }, { "Identification": "HYA-BI-004", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking \nGet text alerts - receive mobile text alerts to keep track of your finances. Manage your accounts - easily view your statements, manage your payments and more. Manage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HYA-BI-005 ", "Type": "AccountManagement", "Name": "Card Controls ", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details. " } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Access to bespoke youth Online Banking and the Mobile Banking app " ] }, { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "0", "MaximumAmount": "100" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.99", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate.", "Changes to Foreign currency cash fee, Foreign cash fee, and Foreign purchase fee." ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.5", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ], "FeeApplicableRange": {} }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outdide the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA)." ], "FeeApplicableRange": {} }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ], "FeeApplicableRange": {} } ] }, "CoreProduct": { "ProductURL": "www.halifax.co.uk/moneysmart ", "ProductDescription": "Smart Spending is part of Money Smart - a spending account that comes with a linked savings account for 11-15 year olds, opened and overseen by a parent or legal guardian of the child. It gives visibility of the child's accounts and transactions as they begin to save, earn, spend and learn ", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0" } } ] }, { "Name": "Student Current Account", "Identification": "3008", "Segment": [ "Student" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HSA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Whole", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "HSA-CITB001", "TierValueMinimum": "0.00", "CalculationFrequency": "Monthly", "ApplicationFrequency": "Monthly", "FixedVariableInterestRateType": "Variable", "AER": "0.00", "BankInterestRateType": "Gross" } ] } ] }, "Overdraft": { "OverdraftTierBandSet": [ { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "Student Overdraft Y1-3", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "Identification": "HSA-AT-001", "TierValueMin": "0.00", "TierValueMax": "1500.00", "EAR": "0.0", "Notes": [ "For students in years 1-3 of their study the arranged overdraft interest rate does not apply, provided you do not exceed your \u00a31500 interest-free amount" ] }, { "Identification": "HSA-AT-002", "TierValueMin": "1500.00", "EAR": "29.90", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged.\n" ] } ] }, { "TierBandMethod": "Tiered", "OverdraftType": "OnDemand", "Identification": "Student Overdraft Y4-6", "AuthorisedIndicator": true, "BufferAmount": "0.00", "OverdraftTierBand": [ { "TierValueMin": "0.00", "TierValueMax": "2000.00", "EAR": "0.0", "Notes": [ "For students in years 4-6 of their study the arranged overdraft interest rate does not apply, provided you do not exceed your \u00a32000 interest-free amount" ] }, { "TierValueMin": "2000.00", "EAR": "29.9", "Notes": [ "One Interest Rate You will be charged a single interest rate for everything you borrow using an arranged overdraft over your interest-free amount. The representative interest rate is 29.9% EAR variable. Daily Charging Instead of paying all daily arranged overdraft interest in one go each month, daily arranged overdraft interest will be charged at the end of each day you use your arranged overdraft \u2013 so you\u2019ll pay for what you borrow on the day you borrow it. This will help you keep track of how much your overdraft costs you. If you go over your limit So all your payments are made, it\u2019s important you manage your account within your arranged overdraft limit. If you don\u2019t have enough money in your account or you reach your limit, you may not be able to make any more payments. If a payment takes you over your limit or we refuse it, you won\u2019t be charged." ] } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Student", "Description": "You must be studying full time on a degree course or equivalent course of further education. The account can be held for up to 9 years. Around the 3rd anniversary of your graduation, we convert your account to a Current Account (or similar). We\u2019ll give at least 2 months\u2019 notice of any changes. \nTo open a student bank account, you will need to provide your UCAS code as proof of the qualifying course being studied. Courses without a UCAS code are not eligible for our student bank account", "Type": "StudentsOnly", "Indicator": true }, { "Name": "Sole Account", "Description": "There are limits on the number of accounts you can have and what you can then do.", "Type": "SoleStudentAccount", "Amount": "1" }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "Aged 18 or over" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Hard" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HSA-BI-001", "Type": "AccountOpeningOrSwitching Incentive", "Name": "Overdraft facilities", "Textual": "1: in years 1-3 you can apply for an arranged overdraft where there is a fee-free amount of up to \u00a31500\n2: in years 4-6 your arranged overdraft has a fee-free amount of up to \u00a32000" }, { "Identification": "HSA-BI-003", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HSA-BI-005", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HSA-BI-006", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HSA-BI-008", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." }, { "Type": "Rewards", "Name": "Cash Incentive", "Textual": "Students opening a new account from 30th July 2026 can get a \u00a3100 cash offer, plus up to \u00a3120 of Deliveroo vouchers. To get the \u00a3100 cash offer, you must open or switch to a Student Account between 30 July and 30 October 2026 and pay in at least \u00a3500 by 30 October. You won\u2019t qualify if you\u2019ve had a Student or Graduate Account with Lloyds, Halifax, or Bank of Scotland since 1 August 2021, or if your application is unsuccessful or outside the offer date." }, { "Type": "Travel", "Name": "No Debit Card Charges Abroad", "Textual": "Wherever you are, we won't charge you for using your debit card. If you're abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking app for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank where you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/student-account/default.asp", "ProductDescription": "Student Current Account. Awesome if you\u2019re going places.", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Basic Account", "Identification": "3009", "Segment": [ "Basic" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HBA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Notes": [ "Overdraft information for Basic Accounts.\nArranged Overdrafts are not available on these accounts. If you do go overdrawn, you will not be charged a daily arranged overdraft fee." ], "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": true }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 18, "Notes": [ "Aged 18 or over" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ], "Notes": [ "You cannot apply for a Basic account directly and may be able to get a Basic Account if you do not meet the conditions for one of our other current accounts such as a Current Account. This might be because you are bankrupt, in financial difficulty, or if we are not able to obtain information about your credit history. If you apply for one of our other current accounts, we will try to obtain information about your credit history to decide the most appropriate account for you." ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HBA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HBA-BI-002", "Type": "AccountManagement", "Name": "Joint Accounts" }, { "Identification": "HBA-BI-003", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HBA-BI-004", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HBA-BI-005", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Our Mobile Banking apps for iOS and Android are quick and easy to install, fast, convenient and more secure than ever - the easy way to stay on top of your money. Bank wherever you want with the latest built-in security technology that keeps your details safe and private. More and more customers are choosing the flexibility, convenience and security of banking on their mobile." ] }, { "Type": "ApplePay" }, { "Type": "GooglePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, euro via SEPA Credit Transfer, or pounds from a bank account in the EU to our Basic Account. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, euro via SEPA Credit Transfer, or pounds from a bank account in the EU to our Basic Account. " ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign Currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Foreign currency cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign Currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency. No fee is charged for sending euro, or payments made in pounds from our Basic Account." ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments ouside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "http://www.halifax.co.uk/bankaccounts/current-accounts/basic-account/", "ProductDescription": "The Basic Account is available to UK citizens who are not eligible for one of our other current accounts", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Branch", "CallCentre", "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] }, { "Name": "Expresscash", "Identification": "3006", "Segment": [ "Youth" ], "OnSaleIndicator": true, "PCAMarketingState": [ { "Identification": "HYA-R001", "MarketingState": "Regular", "FirstMarketedDate": "2017-11-02", "LastMarketedDate": "9999-12-31", "Notes": [ "Arranged Overdrafts are not available with Expresscash accounts. If you do go overdrawn, you will not be charged a daily arranged overdraft fee." ], "CreditInterest": { "TierBandSet": [ { "TierBandMethod": "Tiered", "CalculationMethod": "Compound", "Destination": "SelfCredit", "TierBand": [ { "Identification": "HYA-CITB001", "TierValueMinimum": "0.00", "TierValueMaximum": "999.99", "CalculationFrequency": "Monthly", "ApplicationFrequency": "Monthly", "FixedVariableInterestRateType": "Variable", "AER": "0.5000", "BankInterestRateType": "Gross" } ] } ] }, "Eligibility": { "OtherEligibility": [ { "Name": "Previous Bankruptcy", "Type": "PreviousBankruptcyAllowed", "Indicator": false }, { "Name": "Availability", "Type": "ExistingCustomers", "Textual": "Available to existing customers only" } ], "AgeEligibility": { "MinimumAge": 13, "MaximumAge": 17, "Notes": [ "Start an application online and provide proof of your identity with a passport or driving licence. If we can't check your identity online, you may need to visit your local branch and bring proof of identity (such as passport or full UK birth certificate) and proof of address (such as letter from your School/College/Educational Institution, or parents utility bill).\nIf you are 13-15 you need to be accompanied by an adult, if you are 16 or 17, you do not" ] }, "ResidencyEligibility": { "ResidencyIncluded": [ "UK" ] }, "CreditCheck": { "ScoringType": "Soft" }, "IDVerificationCheck": { "URL": "http://www.halifax.co.uk/securityandprivacy/privacy/proving-your-identity/?srnum=2" } }, "FeaturesAndBenefits": { "FeatureBenefitItem": [ { "Identification": "HYA-BI-001", "Type": "AccountManagement", "Name": "Mobile Alerts", "Textual": "Our mobile alerts are a simple and convenient way to help you stay on top of your money - if we have your mobile number, we\u2019ll send alerts to keep you up to date on your account balance." }, { "Identification": "HYA-BI-002", "Type": "AccountManagement", "Name": "ATM Withdrawals", "Textual": "Withdraw money from any cash machine that shows the LINK or VISA sign" }, { "Identification": "HYA-BI-003", "Type": "PreferentialRates", "Name": "Credit Interest", "Textual": "Credit Interest on your account of 0.50% AER/ 0.50% Gross variable on balances between \u00a31 and \u00a3999.99. No interest will be paid on any part of your balance over \u00a3999.99. We will pay interest to your account between the last day of the month and the first working day of the month after that." }, { "Identification": "HYA-BI-004", "Type": "AccountManagement", "Name": "Online Banking", "Textual": "Online Banking\nGet text alerts - receive mobile text alerts to keep track of your finances.\nManage your accounts - easily view your statements, manage your payments and more.\nManage your details - review or amend your telephone numbers and e-mail address." }, { "Identification": "HYA-BI-005", "Type": "AccountManagement", "Name": "Card Controls", "Textual": "You can freeze and unfreeze certain Visa debit card transactions 24/7 in the mobile banking app for extra peace of mind. Handy if you've temporarily misplaced your card! See our website for more details." } ], "Card": [ { "Type": "DebitCard", "Scheme": "Visa", "ContactlessIndicator": true } ], "MobileWallet": [ { "Type": "MobileBankingApp", "Notes": [ "Access to bespoke youth Online Banking and the Mobile Banking app" ] }, { "Type": "GooglePay" }, { "Type": "ApplePay" }, { "Type": "SamsungPay" } ] }, "OtherFeesCharges": { "FeeChargeDetail": [ { "FeeCategory": "PaymentScheme", "FeeType": "CHAPSOut", "FeeAmount": "25.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Applies to CHAPS Payments made internally or externally, processed by our own systems or using the Bank of England Payments processing system\n" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "2.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments up to and including \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer. " ], "FeeApplicableRange": { "MinimumAmount": "0.00", "MaximumAmount": "100.00" } }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentIn", "FeeAmount": "7.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments over \u00a3100 received electronically from outside the UK or in a foreign currency. No fee charged for receiving euro from within the UK or EEA, or via SEPA Credit Transfer." ], "FeeApplicableRange": { "MinimumAmount": "100.01", "MaximumAmount": "99999999999999.9999" } }, { "FeeCategory": "International", "FeeType": "IntlPayTransRateNonSterling", "FeeRate": "2.9900", "FeeRateType": "Gross", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency transaction fee: fee charged for the conversion of currency. This is a percentage value of your transaction. \nThe amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate" ] }, { "FeeCategory": "ATM", "FeeType": "ATMForeignCashDebCard", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency cash fee: fee charged to withdraw cash in a currency other than pounds, or to withdraw cash in pounds outside the UK. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme exchange rate. ", "Changes to Foreign currency cash fee, Foreign cash fee, and Foreign purchase fee." ] }, { "FeeCategory": "International", "FeeType": "IntlPayPurchaseNonSterling", "FeeAmount": "0.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign currency purchase fee: fee charged per transaction when you make a purchase (not a cash withdrawal or purchase of foreign currency or travellers cheques). Fee is applicable only to debit card transactions. The amount is converted to pounds on the day it is processed by Visa using the Visa Payment Scheme Exchange Rate", "Foreign currency purchase fee is not charged for purchases in euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayFXPaymentOut", "FeeAmount": "9.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "For payments sent electronically outside the UK or in a foreign currency, other than in euro where no fee is charged" ] }, { "FeeCategory": "ATM", "FeeType": "ATMAbroadConVisaDebit", "FeeAmount": "1.50", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "Foreign cash fee : fee charged where you elect to allow the cash machine operator/financial service provider to make the conversion to pounds. The provider of the foreign currency may make a separate charge for conversion.", "Foreign cash fee is not charged for withdrawals of euro within the EEA" ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "12.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outdide the UK when you select to pay all agent bank charges. Zone 1 \u2013 USA, Canada, and Europe (non EEA). " ] }, { "FeeCategory": "International", "FeeType": "IntlPayForeignCharge", "FeeAmount": "20.00", "ApplicationFrequency": "PerItem", "CalculationFrequency": "PerTransaction", "Notes": [ "The Correspondent Bank Fee will be payable for payments outside the UK when you select to pay all agent bank charges. Zone 2 \u2013 Rest of the world, excluding EEA." ] } ] }, "CoreProduct": { "ProductURL": "https://www.halifax.co.uk/bankaccounts/current-accounts/youth-account/", "ProductDescription": "Tailored for teens aged 13 to 17 years, the Expresscash account can help you make the most of your pocket money.", "TcsAndCsURL": "https://www.halifax.co.uk/bankaccounts/help-guidance/terms-and-conditions.html", "SalesAccessChannels": [ "Online" ], "ServicingAccessChannels": [ "ATM", "Branch", "CallCentre", "Post", "MobileBankingApp", "Online", "PostOffice", "Text" ], "MonthlyMaximumCharge": "0.00" } } ] } ] } ] } ] }