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Closing a bank account
Learn about the various ways you can close your Halifax bank account. If you’re not quite ready to leave us, you can check out our range of bank accounts – you might find one that suits you better.
Switching accounts
If you want to move your account to another provider, you don’t need to close your bank account. Just use the Current Account Switch Service and this will be done automatically for you.
Ways to close a bank account
Joint accounts
If you want to close a joint account, you can use one of the standard methods listed above. We only need instruction from one of the account holders.
If you want to move to a different provider, you can use the Current Account Switch Service. Your account will be closed automatically as part of that process.
To remove someone from a joint account, you’ll need to visit a Halifax branch. The account can’t be in an arranged overdraft , and any payments need to be cleared before closure.
Let’s take a closer look
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Once we’ve closed your account, we’ll write to you by post or email to confirm the closure. You’ll then need to destroy any debit cards you have for the account.
You won’t be able to make or receive payments once we close the account. If you're expecting a payment or refund into your account, it may be sent back to the sender.
Using the Current Account Switch Service means any standing orders and direct debits on your old account will be moved to your new one. Any payments made to your old account will automatically be redirected to your new account. We'll also get in touch with the sender with your new account details. If you don’t use the Current Account Switch Service, you’ll need to change any payment details yourself.
Learn how to cancel or amend a standing order here and how to cancel or amend a direct debit here.
Please be aware that once we close your account, we can’t reopen it.
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We want to make it easy as possible to close an account of someone who's passed away.
Visit our dedicated bereavement page to find out how you can let us know about someone's passing.
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Yes, it’s possible that closing a bank account could affect your credit score . This is because the account closure will be updated on your credit profile. How much it impacts your score depends on various factors. These include how old the account is, whether it has an arranged overdraft, and how you’ve used it and if you made payments on time. Usually, any change in credit score caused by closing an account will usually only be temporary.
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We can give you access to copy statements (your transaction history) after you have closed your account. We can do this at any time for the following five years.
If you still have access to our Mobile Banking app or Online Banking through having another open account, you can continue to view electronic copies of your transaction history on your closed account through your Digital Inbox.
If you’re closing a current account, we will also give you your transaction history (at no cost) covering up to five years before you closed the account, unless you choose not to receive it then.
Please call us to speak to one of our assistants. Lines are open 8am - 8pm, seven days a week. You can also visit one of our branches, and one of our helpful colleagues will be happy to help.
Find out more about requesting a statement from an account that has been closed.
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Reward Current Account
There is no charge for closing your account. However, if your account stays open, you'll still need to pay £1,500 into your account every month for the £3 monthly fee to be waived.
If you have selected Reward Extras, your account needs to stay open for us to be able to provide you with your reward. For example, if you have chosen the cash Monthly Reward and you meet the offer conditions in September but close your account in October before the payment is made, you won’t receive September’s payment. If you have selected a lifestyle benefit, this will be cancelled from the date you close your account.
Ultimate Reward Current Account
There is no charge for converting or closing your account but you’ll pay the monthly fee for the time the account has been open. Your final monthly fee will be proportionate to the number of days from the last fee debit day to the date of closure or account change.
When you close your Ultimate Reward Current Account, the insurance benefits that come with the account will stop straight away. This is except for any upgrades purchased for breakdown cover directly through the AA.
- AA breakdown family cover: if you bought extra upgrades on your AA breakdown family cover, these will continue until they reach the end of their term. The AA will continue the cover previously given to you with your account, at no extra cost to you, until the yearly expiry date of your upgrade.
If you’ve selected Reward Extras, your account will need to be stay open for us to be able to provide you with your reward. For example, if you meet the offer conditions in September but close your account in October before you receive the reward, you won’t receive the reward earned for September. If you have selected a lifestyle benefit, this will be cancelled from the date you close your account.
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