Also known as: Halifax
Halifax is one of the most recognised banking brands in the UK. It is a trading name of Bank of Scotland plc, which is itself part of Lloyds Banking Group. Halifax offers a wide range of personal banking products to millions of customers across the UK.
The main products include current accounts, savings accounts, mortgages, personal loans, and credit cards. Halifax is one of the UK's largest mortgage lenders and has a long history of helping people buy homes. It also offers ISAs, insurance, and investment products.
Halifax has branches in many towns and cities across the UK, as well as online banking and a mobile app. The bank is known for its television advertising and its presence on the high street, though it has reduced its branch network over recent years in line with the shift to digital banking.
If you have a Halifax account, mortgage, loan, or credit card and need to contact them, details are available on their website at halifax.co.uk. Their registered address is The Mound, Edinburgh, EH1 1YZ. Halifax is authorised by the Prudential Regulation Authority and regulated by both the PRA and the Financial Conduct Authority. Eligible deposits are protected up to £85,000 under the Financial Services Compensation Scheme.
Because Halifax and Bank of Scotland are both trading names of Bank of Scotland plc, and Bank of Scotland plc is part of Lloyds Banking Group alongside Lloyds Bank, the FSCS £85,000 limit is shared across Lloyds, Halifax, and Bank of Scotland if you hold accounts with more than one of them.
If you are struggling with a Halifax debt, mortgage, or other product, free help is available from StepChange on 0800 138 1111 or National Debtline on 0808 808 4000.
Quick summary
Always verify this information directly with the company, the FCA Register and Companies House before relying on it.
These are general questions that may be relevant to your situation. They are not personalised advice.
Always use contact details from Bank of Scotland plc (trading as Halifax)’s official website ↗ or the FCA Register — not from unexpected letters or messages.
Main products and services
Current accounts, savings, mortgages, credit cards, personal loans (Halifax-branded products)
Trading names and group notes
Halifax is a trading name of Bank of Scotland plc (Companies House SC327000; FCA FRN 169628). The original Halifax plc (Companies House NF003493) is a predecessor entity. Bank of Scotland plc is the active legal entity for both Halifax and Bank of Scotland brands within Lloyds Banking Group.Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.
Trustpilot
Approx. 1.5
Approx. 6,100 reviews
Google Play
4.86 (Halifax Mobile Banking app — based on available data)
Other review sources
Trustpilot: ~6,100 reviews; low rating ~1.5/5 based on available page data; Halifax Mobile Banking app (Google Play: com.grppl.android.shell.halifax) — 8 million users; App last updated May 21, 2026; Apple App Store: id486355738; Smart Money People: smartmoneypeople.com/halifax-bank-reviews/products; Reviews.io: 135 reviews; CompareBanks: comparebanks.co.uk/bank/halifax; CompareByReview: comparebyreview.com/current-accounts/halifax
Overall public sentiment
Halifax receives a low Trustpilot score (around 1.5/5 on sampled pages), though the review volume is modest (~6,100) relative to the bank's scale. The mobile app is highly rated and widely used with 8 million users. Common complaints involve branch closures, customer service quality, and account management issues typical of large retail banks.
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Source URLs used in preparing this record
Date checked
2026-06-05
Next review due
Periodic review
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