Go paper-free
Amend paper-free preferences for your statements and communications.
Authorised Push Payment scams
We can help you to keep your account safe from scammers. If you follow our advice, we will be more likely to consider a refund if you fall victim to a scammer.
What are Authorised Push Payment scams?
Authorised Push Payment (APP) fraud is a transfer of funds across Faster Payments, CHAPS or an internal transfer, authorised by a customer where:
- The customer intended to transfer funds to another person, but was instead deceived into transferring the funds to a different person; or
- The customer transferred funds to another person for what they believed were legitimate purposes, but which were in fact fraudulent.
Use your device safely
Open Banking
This service allows you to see all your accounts in one place. For your own security:
- Whenever you use an Open Banking service, we'll transfer you to our secure website so we can make sure it’s you. Always check the web address has the ‘s’ in ‘https://’ and that it ends with ‘halifax-online.co.uk’.
- Use your bank’s official app for transactions.
- Ignore calls and messages asking you to move money to a ‘safe’ account.
We'll never share your sign in details with anyone or contact you by phone or email asking for them. If you have concerns, please contact us right away.
Make payments safely
How to make a claim
Payments made before 7 October 2024
These claims may be protected by the Contingent Reimbursement Model code. Get in touch, we’ll continue to review these claims on a case-by-case basis.
Payments made on or after 7 October 2024
From 7 October 2024, to protect you from fraud, Halifax will follow a new set of rules for customer scam refunds.
Authorised Push Payment FAQ’s
-
Halifax is a signatory of the voluntary Contingent Reimbursement Model code (CRM), which is a set of standards designed to protect consumers from Authorised Push Payment (APP) scams. These scams happen when people are tricked into authorising payments to accounts that they think are genuine but are controlled by fraudsters.
We’ll look at all scam cases to make sure a payment was made with genuine care. We can then decide on a refund for any money you may have lost.
The CRM code doesn’t apply:
- Where someone takes money from your account without your permission.
- Where you have given someone permission to make a payment on your behalf and they have taken more money out than you said they could (this is known as unauthorised fraud).
- Where payments are made using cash, cheque, credit, debit or prepaid card.
- To cryptocurrency, non-domicile accounts, or accounts outside the UK.
- To payments made on or after 7 October 2024. From this date, Halifax will follow a new set of rules for APP refunds.
-
The PSR is the UK economic regulator of payment systems operated by UK banks, building societies and payment service providers.
A payment system is used to move money electronically. So, whenever you make a contactless payment, transfer money or get paid, a payment system has been used.
-
The PSR collects information from all the major banking groups in the UK.
You might have noticed some graphs at the bottom of our homepage, showing APP fraud data for 2023. We publish this information in line with the requirements issued by the PSR (Payment Systems Regulator).
You’ll see that some brands are grouped together. Halifax is part of the same group which also includes Lloyds and Bank of Scotland. The data shown here is a combination of these three brands.
The full report is available at psr.org.uk/app-fraud-data.
Learn about other scams and how to protect yourself
Scam calls
Find out how fraudsters can use your details to win your trust.
Scam emails and texts
Fraudsters use scam emails and texts to steal your details.
Holiday scams
Don’t get burnt by offers that are too-good-to-be true.
Ticket scams
Beware of fake tickets that might not get you in.
Protect your identity
Fraudsters want to steal your personal and banking details.
Protect your devices
Do you know how to keep your devices safe?
