Page 1 of 5 17 December 2020

MR S ARNOTT Branch KIRKCALDY 128 HIGH STREET

40 GLENBERVIE ROAD Sort Code 11-11-05
KIRKCALDY Account No 46022872
KY2 6LQ
yTSQRXSQxZwVRXxUVx
IBAN GB79 HLFX 1111 0546 0228 72
jmCZ;7oUiohASMe9oc
yrtRfUPKTu1Z9KaGcV
yEGnwmK;iuK5Geyr9i
BIC HLFXGB21M48
oUZkjrgGVnxasVfJb6
zzzzzzzzzzzzzzzzzz Savings Helpline 0345 739 4959

www.halifax.co.uk

Important Information for you

Help to protect yourself from fraud

halifax.co.uk/protectyourselffromfraud

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.
 Page 2 of 5 17 December 2020

MR S R GERMAIN Statement No. 12

29 PEPYS Branch CARDIFF ALBANY ROAD
CRESCENT Sort Code 11-01-41
LLANRUMNEY Account No 30522091
CARDIFF IBAN GB89 HLFX 1101 4130 5220 91
CF3 4JA
BIC HLFXGB21D82
Savings Helpline 0345 739 4959

www.halifax.co.uk

EVERYDAY SAVER
18 September 2020 to 17 December
Your Account 2020

Balance on 18 Sep 2020 £1,950.66

Money in £925.30
Money out £1,702.84
Balance on 17 Dec 2020 £1,173.12
Credit interest £0.00
The above figures are applicable to this statement period.

Your Interest Rates

Balances of AER% Gross p.a.%
£1.00+ 0.20 0.20

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.
Managing your account
Important information about compensation arrangements
Deposits held with us are covered by the Financial Services Compensation Scheme (FSCS). We will provide you with an
information sheet and exclusions list every year.

For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk

Keep it safe and secure Useful numbers

• Check your statements. If you see any transactions you’re not • Keep your card and PIN safe. Never give anyone else your Halifax Bank Accounts
aware of, ring the Bank Account or Savings and Investments card, PIN or password. If you think your card is missing or that
number. Find these under the Useful numbers section on this someone knows your PIN or password, call 0800 015 1515 0345 720 3040
page. immediately. International +44 1132 42 22 29
• Keep your bank statements in a safe place. Dispose of your • Protect yourself online. If you’re an online customer and a
paper statements safely by shredding and recycling them – don’t victim of online fraud, we guarantee that you won’t lose any Halifax Easycash and
just put them in a bin. money from your account. We’ll always reimburse you in full. Cardcash
Check our website for more information 0345 850 5525
www.halifax.co.uk/security

Manage your money Halifax Credit Cards

• Check your balance at home or abroad. Call our telephone
banking service on 0345 720 3040 or visit
www.halifax.co.uk/online
• Avoid fees. Make sure you have enough money in your account
the day before money is due to come out.
• Manage your standing orders.You can change the date, frequency
and amount of your standing orders online or by ringing the Bank
Account number. Most companies will also change the date of a
direct debit – just give them a call.
• The Faster Payments Service is now available. For more
information on this please visit
www.halifax.co.uk/fasterpayments
• Please Note. We can end or vary the terms of our current accounts and overdrafts (including any interest rates and charges) at any time
in the way set out in the Bank Account Terms and Conditions. We recommend that you continually assess whether an overdraft is the
most suitable form of borrowing for your current needs.
Using your card to withdraw cash or make a payment in a currency other than pounds
• If you use your card to withdraw cash or make a payment in a
currency other than pounds, the amount is converted to
pounds on the day it is processed by Visa using the Visa
Payment Scheme exchange rate on the day. You can find the
exchange rate by calling 0345 720 3040 (+44 1132 42 22 29 from
overseas); If you call before the transaction is processed, the
rate provided will be an indication only.
• If you use your debit card to withdraw cash or to make a
payment in a currency other than pounds we’ll charge a foreign
currency transaction fee of 2.99% of the value of each
transaction. When you use your debit card to make a purchase
or other transaction (not cash withdrawal) in a currency other
than pounds, whether in person or by internet or phone, we will
also charge a £0.50p foreign currency purchase fee. If you use
your debit card to withdraw cash in a currency other than
pounds (at a cash machine or over the counter) we will also
charge a foreign currency cash fee of £1.50. Where you elect to
allow the cash machine operator/financial service provider to
make the conversion to pounds we will only charge a foreign
cash fee of £1.50. The provider of the foreign currency may
make a separate charge for conversion.
0345 728 3848
• Use our online budget planner. It will help you to work out
your monthly outgoings and manage your money. Visit Mortgages
www.halifax.co.uk/managingyourmoney 0345 727 3747
• Transfer money quickly. You can make a same-day CHAPS
transfer in the UK as long as you have all the beneficiary Halifax Personal Loans
account details and send the payment before 1.30pm. To send
0345 724 3444
money outside the UK you can send a Telegraphic Transfer.
Visit www.halifax.co.uk/bankaccounts/
receivingandsendingmoney.asp Savings and Investments
• Fee-Free. Some accounts offer an Arranged Overdraft subject 0345 726 3646
to application and approval with a fee-free overdraft facility.
Please refer to the account terms and conditions for more Insurance
information. 0345 723 3343
Halifax Share Dealing
0345 722 5525
Lost/Stolen Cards
0800 015 1515
• If you use your savings card to withdraw cash in a currency other
than pounds we’ll charge a foreign currency transaction fee of
2.99% of the value of each transaction. If you use your savings
Travel money orders
card to withdraw cash in a currency other than pounds (at a cash 0345 246 0006
machine) we will also charge a foreign currency cash fee of £1.50.
Where you elect to allow the cash machine operator/financial For more information about
service provider to make the conversion to pounds we will only our online service, please visit
charge a foreign currency cash fee of £1.50. The provider of the
foreign currency may make a separate charge for conversion. www.halifax.co.uk/aboutonlin
• If you’re planning to travel overseas, we advise you to take a e
range of currency options including foreign currency as well as
your debit and credit card. To help protect you from fraud we Calls may be recorded and
always monitor transactions. In some circumstances this might monitored
mean we block your cash machine or card transactions in the UK
or a foreign country. If this happens, just call us on 0345 720 3040.
We’ll ask you a few security questions and unblock your card for
you.

Switching to us
Switching your main bank account to us is easy. Simply sign two forms and you’ll be introduced to one of our dedicated switching team who will be happy to help. They’ll transfer any
direct debits, standing orders and any credits to your new account. They’ll keep you updated every step of the way, and contact you as soon as the transfer is complete.

Important information about your account

If you have an Ultimate Reward Current Account, the insurance packages are monthly contracts and are provided as a benefit of you being an Ultimate Reward Current Account holder.
The cost is an inclusive part of your standard monthly maintaining the account fee. We recommend that you review the cover provided every year to ensure it continues to meet your
needs. Full details of the cover provided, including contact details, are contained in the Getting Started Guide provided to you at the start of your cover. If you or Halifax close your
account, or Halifax terminates the cover provided through the programme, cover will cease immediately unless you’re moving from one qualifying account to another. If you have lost
your Getting Started Guide, please go into your local branch where a colleague will order you a replacement. Alternatively contact us on 0345 720 3040 where you’ll be able to ask for a
further copy.
Halifax does not charge for providing the online banking facility. The cost of your online connection depends on your internet service provider.
If we have a valid reason, we can choose not to charge a fee you would otherwise have to pay.
If you do not wish to receive marketing mailings, please write to the Registered Office below.

Dispute Resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you
may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide
details of how to contact the Ombudsman.

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 under registration number 169628. We adhere to The Standards of Lending Practice which are
monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 11 Sort Code 11-03-91
25 September 2019 Account Number 14928261
Page 4 of 5

EVERYDAY SAVER

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
25 Jun 19 STATEMENT OPENING BALANCE 40,250.00
28 Jun 19 TFR H SUMAN 110391 02604650 250.00 40,500.00
09 Jul 19 BP SAVETHECHANGE-4650 0.15 40,500.15
12 Jul 19 BP SAVETHECHANGE-4650 0.02 40,500.17
15 Jul 19 BP SAVETHECHANGE-4650 0.91 40,501.08
16 Jul 19 BP SAVETHECHANGE-4650 1.79 40,502.87
18 Jul 19 BP SAVETHECHANGE-4650 0.55 40,503.42
19 Jul 19 BP SAVETHECHANGE-4650 1.03 40,504.45
22 Jul 19 SO H SUMAN 250.00 40,754.45
23 Jul 19 BP SAVETHECHANGE-4650 0.19 40,754.64
25 Jul 19 BP SAVETHECHANGE-4650 1.47 40,756.11
30 Jul 19 BP SAVETHECHANGE-4650 1.05 40,757.16
05 Aug 19 BP SAVETHECHANGE-4650 0.71 40,757.87
06 Aug 19 BP SAVETHECHANGE-4650 0.10 40,757.97
07 Aug 19 BP SAVETHECHANGE-4650 0.68 40,758.65
12 Aug 19 BP SAVETHECHANGE-4650 0.96 40,759.61
13 Aug 19 BP SAVETHECHANGE-4650 0.93 40,760.54
15 Aug 19 BP SAVETHECHANGE-4650 0.01 40,760.55
16 Aug 19 BP SAVETHECHANGE-4650 0.95 40,761.50
19 Aug 19 BP SAVETHECHANGE-4650 0.99 40,762.49
20 Aug 19 SO H SUMAN 250.00 41,012.49
20 Aug 19 BP SAVETHECHANGE-4650 2.19 41,014.68
21 Aug 19 BP SAVETHECHANGE-4650 0.15 41,014.83
27 Aug 19 BP SAVETHECHANGE-4650 1.29 41,016.12
28 Aug 19 BP SAVETHECHANGE-4650 0.96 41,017.08
29 Aug 19 BP SAVETHECHANGE-4650 0.75 41,017.83
02 Sep 19 BP SAVETHECHANGE-4650 0.60 41,018.43
05 Sep 19 BP SAVETHECHANGE-4650 0.96 41,019.39
09 Sep 19 BP SAVETHECHANGE-4650 0.50 41,019.89
10 Sep 19 BP SAVETHECHANGE-4650 0.91 41,020.80
11 Sep 19 TFR H SUMAN 110391 02604650 500.00 41,520.80
18 Sep 19 BP SAVETHECHANGE-4650 0.50 41,521.30
20 Sep 19 SO H SUMAN 250.00 41,771.30
23 Sep 19 TFR H SUMAN 21SEP19 110391 02604650 500.00 42,271.30
23 Sep 19 BP SAVETHECHANGE-4650 0.61 42,271.91
24 Sep 19 BP SAVETHECHANGE-4650 0.59 42,272.50
24 Sep 19 TFR H SUMAN 110391 02604650 8,000.00 34,272.50
25 Sep 19 BP SAVETHECHANGE-4650 0.94 34,273.44
25 Sep 19 STATEMENT CLOSING BALANCE 8,000.00 2,023.44 34,273.44

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. 11 Sort Code 11-03-91
25 September 2019 Account Number 14928261
Page 5 of 5

EVERYDAY SAVER
Payment types:
TFR - Transfer BP - Bill Payment SO - Standing Order

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.