Halifax customer? Your online banking will be axed from 31 October – here's how to move to the Lloyds Bank app
Halifax customers who use mobile and online banking services should move to the Lloyds Bank app before Sunday 1 November. That's because the Halifax app and online banking services will be axed from this date. Here's what you need to know.
Lloyds Banking Group – the parent company of both banks – announced in July that it will scrap the Halifax brand completely from 31 October, with new customers no longer able to open Halifax accounts.
It means anyone who uses Halifax's app or Halifax's online banking services on mobile or desktop needs to switch to the Lloyds Bank version if they haven't already done so. This applies to anyone who manages their account online – from banking and savings customers, to borrowers with mortgages, credit cards and loans, and insurance customers.
How to switch to Lloyds Bank's online services
Halifax says you'll be guided through the switching process, which will only "take a few clicks".
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Bank app user? You'll get a notification within your existing Halifax app prompting you to make the switch to Lloyds Bank. You'll be taken to your mobile's app store where you can download the Lloyds Bank app, if you don't already have it downloaded on your device.
From here, you'll be asked to log in using your existing Halifax log-in details. Halifax has confirmed that there will be no passwords or memorable details to set up. All of your cards and products should now be visible in the Lloyds Bank app.
Your Halifax app will then display a message saying "now you've successfully moved to Lloyds, this app is no longer available". -
Use online banking, but not the app? Halifax says that when you log in to online banking, you should see an invite directing you to start your move to Lloyds Bank. From there, you should follow the outlined steps.
You'll be locked out of Halifax's digital banking services from 1 November
The Halifax app will remain operational until Sunday 1 November, meaning the last day to make the switch to Lloyds Bank while retaining full access to your accounts is Saturday 31 October.
Halifax says that if you log in to its app from 1 November, you'll see a message telling you the app is not in service and that you'll need to register for the Lloyds Bank app.
Your credit and debit cards will remain fully operational even if you don't make the online switch, though these will gradually be replaced by Lloyds-branded ones at either replacement or renewal, whichever comes first. Halifax has also confirmed that there will be no changes to account numbers, PINs or sort codes.
Your savings protection under the Financial Services Compensation Scheme (FSCS) will also "remain unchanged". Halifax and Lloyds Bank DON'T currently share protection, so if you've savings with both, you'll continue to get separate £120,000 limits (totalling £240,000).
Important: Halifax says it will ONLY contact you about the transition by email, letter or online/mobile banking message – it WON'T call or text, and WON'T ask you to log in with a link or QR code.
Halifax has also said it WON'T ask you for your PIN as part of the transition at any time, so don't provide it to anyone who's asking for it as part of the switch – they're likely not who they say they are.
Fraudsters may use this news as an opportunity to contact you and try to get hold of personal and/or financial details, so remain on guard. If you're in any doubt, end all further communication and call the 159 hotline, which will connect you directly with your bank. For more help, see our 20 ways to stop scams.
Got a Halifax mortgage? Your terms and payments won't change
Halifax has confirmed that your mortgage terms and conditions, payments, ability to make overpayments and Payment Protection Insurance (PPI) will all stay the same.
Your mortgage will eventually be rebranded from Halifax to Lloyds Bank but – apart from managing your mortgage within the Lloyds app – there's nothing you need to do.
If you've got an ongoing Halifax mortgage application, the application will continue under the Halifax name to "avoid disruption". Your mortgage will then change to Lloyds Bank at completion.
You'll still be covered by your Halifax insurance products
If you have Halifax insurance policies, such as home or car insurance, again – other than managing these through Lloyds Bank's online banking or app instead – there's no change.
Your policy, premiums, payments and how to make a claim won't be affected. Your policy will be rebranded from Halifax to Lloyds at a later date, but this will happen automatically and you won't need to take any action.
Branches won't close as a result
The Lloyds Banking Group – which includes Lloyds, Halifax and Bank of Scotland – says the replacement of the Halifax brand will not lead to any additional branch closures. Lloyds Banking Group has already announced plans to close nearly 250 branches in 2026 and 2027, but these closures are separate from the rebrand.
Existing Halifax branches that remain open will instead be rebranded as Lloyds Bank.
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