Page 1 of 1 08 August 2022

Statement No. 59
MISS ELNAZ KHORASANZAD
13 CLARET STREET Branch ACCRINGTON
ACCRINGTON LANCASHIRE Sort Code 11-00-08
BB5 0RZ Account No 01083372
IBAN GB19 HLFX 1100 0801 0833 72
BIC HLFXGB21A24

24 Hour Banking Helpline

0345 720 3040
00000 8511/1/168523
www.halifax.co.uk

Summary of CURRENT ACCOUNT 09 July 2022 to 08 August 2022

Your summary is an overview of any interest or fees that have been paid or received to this account during the summary period.
You do not need to take any action when you receive your summary.

Your Account Planned Overdraft limit £100

Average credit balance £591.99 Type of Fee Quantity Total
Average debit balance £10240.19 Unplanned Overdraft daily fee 4 £20.00
Planned Overdraft daily fee 12 £182.00
Total fees 16 £202.00
The fees detailed above have been paid during this summary period.
The fees paid in this summary period are highlighted in the 'Fees Explained' section
and on the reverse.

Fees Explained

Unplanned Overdraft daily fee - We'll charge you £5.00 if, at the end of any day, your account remains over your planned Overdraft limit. You'll stop incurring the
daily fee as soon as any money you have paid into your account clears and this brings your account back into your planned Overdraft limit (or back into credit if you
haven't got a planned Overdraft facility).
Planned Overdraft daily fee - We'll charge you £1.00 if, at the end of any day, your account is overdrawn up to and including £1,999.99. We'll charge you £2.00 if, at the
end of any day, your account is overdrawn by £2,000.00 up to £2,999.99. We'll charge you £3.00 if, at the end of any day, your account is overdrawn by £3,000.00 and
above. You'll stop incurring the daily fee as soon as your account is back in credit.
Other fees for special services are detailed in the Reward Payments and Account Fees leaflet, previously provided.
Fees and interest rates may have changed during the period covered by this summary. For details please see your regular statements.
If switching to us, different rates and fees may apply.

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. LOY-COM-P-000055-T400 – 250353
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
aware of, ring the Bank Account or Savings and Investments
number. Find these under the Useful numbers section on this
page.
• Keep your bank statements in a safe place. Dispose of your
paper statements safely by shredding and recycling them – don’t
just put them in a bin.
Manage your money
• 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.
• Fee Capping. Our unplanned overdraft fees are subject to a
maximum of £100 in any monthly billing period.
• 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
Buying goods and services in a foreign currency & withdrawing cash abroad
• If you use your card to withdraw cash or make a payment in a
currency other than sterling, then on the date it leaves your
account we’ll change into sterling the amount you’ve withdrawn
or paid. The exchange rate we use is the Visa Payment Scheme
Exchange Rate. You can find the exchange rate by calling
0345 720 3040 (+44 1132 42 22 29 from overseas); however, if
you call before the transaction is added to or taken from your
account, the rate we mention will be an indication only.
• If you use your debit card we’ll charge a non-sterling transaction
fee of 2.75% of the amount of the transaction and a £1.50
non-sterling purchase or non-sterling cash fee for each payment
or withdrawal. Alternatively if you choose to complete your cash
withdrawal using the overseas Bureau or cash machine providers
conversion rate to sterling, we’ll only charge a foreign cash fee
of £1.50. The provider of the foreign currency may make a
separate charge for conversion.
• Keep your card and PIN safe. Never give anyone else your card,
Halifax Bank Accounts
PIN or password. If you think your card is missing or that someone
knows your PIN or password, call 0800 015 1515 immediately. 0345 720 3040
• Protect yourself online. If you’re an online customer and a victim
International +44 1132 42 22 29
of online fraud, we guarantee that you won’t lose any money
Halifax Easycash and Cardcash
from your account. We’ll always reimburse you in full. Check our
website for more information www.halifax.co.uk/security 0345 850 5525
Halifax Credit Cards
0345 728 3848
• Use our online budget planner. It will help you to work Mortgages
out your monthly outgoings and manage your money. 0345 727 3747
Visit www.halifax.co.uk/managingyourmoney
• Transfer money quickly. You can make a same-day CHAPS Halifax Personal Loans
transfer in the UK as long as you have all the beneficiary 0345 724 3444
account details and send the payment before 1.30pm.
To transfer money overseas you can send a Telegraphic Savings and Investments
Transfer. Visit www.halifax.co.uk/bankaccounts/ 0345 726 3646
receivingandsendingmoney.asp
• Text Messaging Service. To help you keep up to date Insurance
with your finances, there are a range of text alerts 0345 723 3343
including Weekly Balance Alerts and Limit Alerts in order
to help manage your money on the move. You must be Halifax Share Dealing
registered for Internet Banking to benefit from this service. 0345 722 5525
• Overdraft Buffer. We offer an overdraft buffer of £50 on
Lost/Stolen Cards
our Reward Current Account and Ultimate Reward Current
0800 015 1515
Account and £10 on our Current Account and Student
Current Account, which means if you’re in debit by less
than the buffer you won’t pay any daily overdraft fees or Travel money orders
interest (as applicable). 08452 46 00 06
(charged at up to 7p per minute
plus your phone provider’s
access charge)
• If your savings card allows cash withdrawals abroad, we’ll charge
a non-sterling transaction fee of 2.99% of the amount of the
withdrawal and a non-sterling cash fee of 1.5% of the amount of For more information about
each withdrawal with a minimum charge of £1.50. Alternatively if our online service, please visit
you choose to complete your cash withdrawal using the cash www.halifax.co.uk/aboutonline
machine providers conversion rate to sterling, we’ll only charge a
foreign cash fee of 1.5% of the amount of each withdrawal with a Calls may be recorded and
minimum charge of £1.50. The provider of the foreign currency may monitored
make a separate charge for conversion. Please note there’s no
maximum non-sterling cash fee or foreign cash fee.
• If you’re planning to travel overseas, we advise you to take a range
of currency options including foreign currency as well as your debit
and credit card. To help protect you from fraud we always monitor
transactions. In some circumstances this might 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 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.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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.

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. We subscribe to The Lending Code. Details can be obtained from www.lendingstandardsboard.org.uk

LOY-COM-P-000055-T400 – 250353 DD