Page 1 of 4 13 June 2023

Mrs P Hughes Statement No. 25

14 Balmoral Terrace Branch STOCKTON ON TEES
Stockton On Tees Sort Code 11-07-41
Cleveland ZQQPYyVVQyUTxWTYVQXyYvwV
Account No 13147860
TS184DD oVdmnCI7HDjkZIzTwKNInkik
oxtUBVQ2NohTnTKfxDJv9Ywp IBAN GB23 HLFX 1107 4113 1478 60
yaW;qmi;QTvajAVfBwzNy1Cc
udUekP2NUFo4j6iuWW1yi7Br
zzzzzzzzzzzzzzzzzzzzzzzz BIC HLFXGB21U51
Savings Helpline 0345 720 3040

www.halifax.co.uk

INSTANT SAVER 13 May 2023 to 13 June 2023

Your Joint Account

Balance on 13 May 2023 £11,745.55
Money in £300.00
Money out £350.00
Balance on 13 Jun 2023 £11,695.55
Credit interest £0.00
The above figures are applicable to this statement period.

Your Interest Rates

Balances of AER% Gross p.a.%
£50,000.00+ 1.30 1.30
£10,000.00+ 1.05 1.05
£1.00+ 0.95 0.95

AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically from your interest. Depending on your personal circumstances tax may be due
on the interest and it is your responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).
Interest on cash ISAs will continue to be paid tax free.
Interest rates correct as at statement production date.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Things you need to know
Getting in touch

J Write to us: Halifax,

PO Box 548, Leeds, LS1 1WU x Visit us in branch W Go online:
halifax.co.uk/contactus Z Call: 0345 726 3646
8am-8pm, seven days a week

Ways to manage your account About the fees we charge if you use your card abroad
There are a few ways you can keep track of your account: Withdrawing cash in pounds in the UK - If you take money in pounds from your
• Online Banking - View and manage your accounts online - 24 hours a account using any Halifax or Bank of Scotland cash machine in the UK, we won’t
day, 7 days a week. Register at halifax.co.uk/onlinebanking charge you for the withdrawal. However, if you use a cash machine that isn’t a
• Mobile Banking – Manage your account on the go with your mobile Halifax or Bank of Scotland cash machine, you may be charged by the machine
phone or tablet - 24 hours a day, 7 days a week. Download our app from owner. If so, the machine will show you the amount and tell you that it will be
Google Play or the App Store. taken from your account when you withdraw the cash.
• Telephone Banking - Our automated service is available 24/7, or you can Withdrawing cash in a foreign currency, or withdrawing pounds outside the
talk to us between 8am and 8pm, 7 days a week. Not all services are
UK (at a cash machine or over the counter) - If you use your savings card to
available 24 hours a day, 7 days a week.
withdraw cash in a foreign currency, or to withdraw cash in pounds outside the
• Text Alerts – Get important messages from us faster. If you haven’t set
this up and would like to please go to halifax.co.uk/mobilealerts UK, Visa will convert the amount into pounds the day the transaction is
processed using the Visa Payment Scheme Exchange Rate. We will charge you a
Check if your account is still right for you foreign currency transaction fee 2.99% of the value of the withdrawal. This is a
Your banking needs can change over time so it’s important to check your fee for currency conversion. We will also charge a foreign currency cash fee of
savings account is still right for you by visiting halifax.co.uk/savings to see £1.50 for each withdrawal.
our latest savings accounts.
If you ask the cash machine operator/financial service provider to make the
Our interest rates conversion, we will only charge a foreign cash fee of £1.50 for each withdrawal.
If we pay interest on your balance, your current interest rate is shown on the The provider of the foreign currency may make a separate charge for the
front of this statement. To find out what the interest rates are on our other conversion.
savings accounts, visit halifax.co.uk/savings/interest-rates or ask us in
branch. We won’t charge a foreign currency cash fee or a foreign cash fee if you:
• withdraw euro within the EEA or UK; or
• withdraw euro from outside the EEA or UK and the cash machine operator’s
j Protecting yourself from fraud payment service provider is based in the EEA or UK.
• Check your statements regularly - If something doesn’t look right You can find more information on our website about the exchange rates that
or you spot a transaction on your statement you didn’t make, call apply to your transaction to help you compare them with other card issuers’
us straight away on 0800 500 3914 or +44 1132 888 408 if outside rates.
the UK. We may not be able to refund a payment on some types of
account if you tell us more than 13 months after the date it Keeping your data safe
happened. We promise to keep your personal information safe and only use in the way
• Keep your statements in a safe place - If you want to throw them you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
away, you should do it in a secure way, like shredding them – please copy on 0345 720 3040.
don’t just put them in the bin. We’re here for you if something isn’t right
• Helping you stay protected - We’ll do all we can to help you avoid We want to make sure you’re happy with the products and service we offer. But
fraud. Visit halifax.co.uk/security for ways to protect yourself and if something goes wrong, let us know and we’ll do everything we can to put
information on the latest scams. things right. If you’re still not happy, you can ask the Financial Ombudsman
• If your card or PIN is lost or stolen - Call us straight away on 0800 Service to look at your concerns, for free.
015 1515 or +44 (0) 113 242 8196 if outside the UK - lines are open
24/7. The Financial Services Compensation Scheme (FSCS)
• The freeze card feature in our Mobile Banking app lets you quickly The deposits you hold with us are covered by the Financial
freeze and unfreeze different types of transaction on your cards Services Compensation Scheme (FSCS). Every year we’ll send
whenever you need to. Find out more at you an information sheet which tells you the types of deposits
halifax.co.uk/aboutonline/download-apps/card-freezes covered and the protection offered by the FSCS. For more
information visit FSCS.org.uk
We send statements and other communications from time to time for legal
reasons or to let you know about changes to your accounts or services.
When you call us your call may be monitored or recorded in case we need to
check we have carried out your instructions correctly and to help improve our
quality of service.

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 732 3436 (lines are open 9am - 5.30pm, 7 days a week).
SignVideo services are also available if you’re Deaf and use British Sign Language at halifax.co.uk/accessibility/signvideo
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Statement No. 25 Sort Code 11-07-41
13 June 2023 Account Number 13147860
Page 3 of 4

INSTANT SAVER

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
12 May 23 STATEMENT OPENING BALANCE 11,745.55
15 May 23 SO P HUGHES 100.00 11,845.55
01 Jun 23 SO J HUGHES CAR 100.00 11,945.55
01 Jun 23 TFR P HUGHES 110741 00057916 350.00 11,595.55
12 Jun 23 SO P HUGHES 100.00 11,695.55
13 Jun 23 STATEMENT CLOSING BALANCE 350.00 300.00 11,695.55
Payment types:
SO - Standing Order TFR - Transfer

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Statement No. 25 Sort Code 11-07-41
13 June 2023 Account Number 13147860
Page 4 of 4

INSTANT SAVER

Historical Information
We have applied the following interest to your account during the statement period.

Effective from - 13 May 2023 to 30 May 2023

The interest rates that applied to your account changed.

Your Interest Rates

Balances Of AER% Gross p.a. %
£50,000.00+ 1.05 1.05
£10,000.00+ 1.00 1.00
£1.00+ 0.90 0.90

AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically from your interest. Depending on your personal circumstances tax may be due
on the interest and it is your responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).
Interest on cash ISAs will continue to be paid tax free.
Interest rates correct as at statement production date.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.