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Got an issue with a purchase or transaction? We may be able to help you get your money back.
The simplest way to raise a dispute is in our app. However, if you don't meet our criteria, or you don't bank online, you'll need to give us a call.
Because of Section 75, if you’ve bought something with your Halifax credit card, the business or retailer and Halifax may be equally responsible if things go wrong.
So, for example, if the item or service is faulty, doesn’t arrive or isn’t as described, you may be able to claim a refund from either the business or retailer or from Halifax.
Learn more about How Section 75 protects your credit card spending. Then, if you’d like us to take your case a step further, we’ll need a few things from you:
We aim to resolve all claims within five working days.
A Pending transaction is money that’s been put aside for the merchant to take. It is not for spending. The retailer will usually take the money after a couple of days, but sometimes it can take longer.
If the retailer cancels the transaction, or confirms the transaction has failed, it will automatically be removed from your transactions list. Timescales for this vary but it should take no longer than a week. You won’t be charged.
We can usually cancel your pending transaction if you have confirmation from the retailer that the payment won’t be taken.
You can cancel a pending transaction in our app or Online Banking by selecting it from your transaction list and then clicking on ‘help with pending transactions’.
Before you contact us, you’ll need an authorisation code from the retailer you made the transaction with. This acts as confirmation that the retailer won’t take the payment. You’ll need to contact the retailer to get this before we can process your request.
An authorisation code is 6-digits, for example 032769. If you have duplicate transactions pending, you’ll need an authorisation code for each.