Halifax: Expresscash

Provider:
Halifax
Account:Expresscash
Account ratings
Account ratings
Online service - 4.31
Call centre service - 4.05
Branch service - 4.24
Trustworthiness - 4.26
Opening the account
Minimum Income £0
Minimum Age 11 years
Maximum Age 15 years
Existing customers only -
Area restrictions There are no area restrictions.
Overdrafts and charges
Monthly Charge -
Overdraft facilities
Automatic overdraft facility £0
Interest Free Overdraft Limit £0
Authorised overdraft rate 0% APR/EAR
Authorised overdraft charge No overdraft available.
Unauthorised overdraft rate 0% APR/EAR
Unauthorised overdraft charge No overdraft available.
Overdraft related charges Paid item max fee - £0
Paid item max no - 0
Unpaid item max fee - £0
-
Stepped cheque charge - £0
Overseas charges (Europe only) Forex fee - 2.75%
Charge for £100 ATM withdrawal - £2
Charge for £100 debit card transaction - £2
Account charges ATM withdrawal - £0
Transactions - £0
Bankers draft - £0
Special clearance - £10
CHAPS - £25
Duplicate statement - £5
Interest rates and other incentives
Headline interest rate 1.51% AER
Rate tiers
Gross Rate Excluding BonusGross Rate Including BonusAER
£11.50%1.50%1.51%
Maximum balance for interest -
Minimum initial deposit £1
Minimum Monthly Credit £0
Interest paid Monthly
Incentives Annual travel insurance -
Breakdown insurance -
Discount vouchers -
Savings sweep -
Other Insurance - no
Other incentive - no
Service information
Free banking
Account access Telephone
Branch
Internet
Post office
Services available Standing order
Direct debit
Bill payment
Round-up savings
Text alerts
Text mini statements
ATM mini statements
Cards / cheques provided Debit card
ATM card
Cheque book
Passbook
Maximum ATM withdrawal £500
Time for cheque to clear 4 days
Statement frequency monthly