Charges and withdrawals

This section tells you about the charges that apply to all of our savings accounts.

1.
Using cash machines for non-sterling cash withdrawals

If you use your Savings card to withdraw cash in a foreign currency, or to withdraw cash in pounds outside the UK, Visa will convert the amount into pounds the day the transaction is processed using the Visa Payment Scheme Exchange Rate. We will charge you a foreign currency transaction fee of 2.99% of the amount of the transaction. This is a fee for currency conversion. We will also charge a foreign currency cash fee of £1.50 for each withdrawal.

If you ask the cash machine operator/financial service provider to make the conversion, we will not charge you a currency conversion fee but we will charge a foreign cash fee of £1.50 for each withdrawal. The provider of the foreign currency may make a separate charge for conversion.

We won’t charge a foreign currency cash fee or a foreign cash fee if you:
- withdraw euro within the EEA or UK; or
- withdraw euro from outside the EEA or UK and the cash machine operator’s payment service provider is based in the EEA or UK.
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2.

Cash machines in the UK

We don’t charge you for taking money out of an Everyday Saver, Reward Saver, Young Saver, Liquid Gold, Guaranteed Saver, Web Saver variable with card or Instant Saver account at a Halifax LINK cash machine. Please note that if you make a withdrawal using a non-Halifax cash machine, the bank or building society who own the cash machine may charge you. The amount of any charge will be taken out of your account.
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3.

CHAPS fee

If you ask us to transfer money electronically from your account to another UK account using the CHAPS system we’ll charge you a fee of £25.
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4.

Copy statements

Getting paper copies of your statements is free.
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5.

Foreign currency

You may ask us to use a number of special services relating to foreign currency. Ask at any of our branches for detail.
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6.

Sending money outside the UK or in a foreign currency

View information on our fees and charges to send money outside the UK or in a foreign currency.
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7.

Electronic payments received from outside the UK or in a foreign currency

View information on our fees and charges to receive money from outside the UK or in a foreign currency.
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8.

Overdrawn accounts

You shouldn’t allow your savings account to become overdrawn. If this does happen we won’t currently charge you any interest, but you should repay your overdrawn balance immediately.
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9.

Withdrawal by banker’s draft

You cannot withdraw any amount less than £100,000 from your savings account by banker’s draft.
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10.

Withdrawals

You can usually withdraw up to the normal daily cash limit of £2,500 a day per account from any of our branches, or up to £250,000 by counter cheque, subject to account conditions. If you want to withdraw more than these amounts in cash or by cheque, just let your branch know in advance.
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