Page 1 of 4 22 November 2024

MR J N HOWES Statement No. 28

31 LOW LANE Branch SOUTH SHIELDS
SOUTH SHIELDS Sort Code 11-07-24
TYNE AND WEAR yTQTUPywvuyxxyxZTv
Account No 14067167
NE34 0LG jaI6YDozAnI;aE1MEc
ZbFcN;K1TZp7ENceSr IBAN GB92 HLFX 1107 2414 0671 67
nYp1hNG9ij8ovXF;yc
yNZyFA0R4uVhqMzwzp
zzzzzzzzzzzzzzzzzz BIC HLFXGB21T76
Banking Helpline 0345 720 3040

www.halifax.co.uk

EXPRESSCASH 23 October 2024 to 22 November 2024

Your Account
Date of previous statement 22 October 2024
Balance on 23 Oct 2024 £44.09
Money in £153.00
Money out £196.01
Balance on 22 Nov 2024 £1.08
Credit interest £0.00

Your Interest Rates Fees Explained

Balances of AER% Gross p.a.% Other fees for special services are detailed in your account
£1,000.00+ 0.00 0.00 terms and conditions, previously provided.
If switching to us, different rates and fees may apply.
£1.00+ 0.50 0.50

AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and
compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically
from your interest. Depending on your personal circumstances tax may be due on the interest and it is your
responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Things you need to know
Getting in touch

J Write to us: Halifax,

PO Box 548, Leeds, LS1 1WU x Visit us in branch W Go online:
halifax.co.uk/contactus Z Call: 0345 720 3040
8am-8pm, seven days a week

Ways to manage your account About our debit card fees

Keep track of what's going in and coming out of your account at any time We won't charge our debit card fees if you use an Ultimate Reward Current
using: account debit card. We also won't charge these fees if you add Travel Ready to
• Online Banking - View and manage your accounts online - 24 hours a any other current account for £7 a week, allowing you to use the debit card
day, 7 days a week. Register at halifax.co.uk/onlinebanking abroad as often as you like in your selected weeks. Terms and conditions apply.
• Mobile Banking – Manage your account on the go with your mobile If you use your personal debit or Savings card to make a payment or withdraw
phone or tablet - 24 hours a day, 7 days a week. Download our app from cash in a currency other than pounds, or withdraw cash in pounds outside the
Google Play or the App Store. UK then, unless you've asked the cash machine or card terminal provider to do
• Telephone Banking - Our automated service is available 24/7, or you can the currency conversion, we will charge you a foreign currency transaction fee
talk to us between 8am and 8pm, 7 days a week. Not all services are of 2.99% of the value in pounds of the transaction for currency conversion. The
available 24 hours a day, 7 days a week. amount is converted to pounds on the day it's processed by Visa using the Visa
• Text Alerts – We can also send you mobile alerts. Alerts can help you Payment Scheme exchange rate that day. For the exchange rate call 0345 720
manage your money and avoid charges. They remind you when you need 3040 (+44 113 242 1984 from overseas). Find out more on our website about the
to pay cleared funds into your account. They can also help you avoid exchange rates to help you compare them with other card issuers' rates.
going into an unarranged overdraft or having payments refused. Unless
If you use your debit card or Savings card to withdraw cash outside the UK (at a
you’ve opted out, you’ll automatically receive alerts provided we have an
cash machine or over the counter) or in a foreign currency at an ATM in the UK
up to date mobile number for you. Find out more at
we will also charge a foreign currency cash fee of £1.50 for each withdrawal. If
halifax.co.uk/mobilealerts
the cash machine operator/financial service provider makes the conversion to
Overdrafts - choosing the right way to borrow pounds, and you use the card to withdraw cash outside the UK (at a cash
An arranged overdraft can help out when you need to borrow in the short machine or over the counter) we will only charge a foreign cash fee of £1.50.
term. For example to pay an unexpected bill. But if you use it often and don’t The provider of the foreign currency may make a separate charge for
reduce your balance, it can turn into an expensive way to borrow. Our cost conversion.
calculator, which you can find online at halifax.co.uk/overdrafts tells you We won't charge a foreign currency cash fee or a foreign cash fee if you
how much an arranged overdraft costs. You should consider if an arranged withdraw Euro within the EEA or UK, or if the cash machine operator/financial
overdraft facility is the most suitable option for you to borrow money. If you service provider makes the conversion to pounds, and use your debit card or
need to borrow money for a longer time, there may be other options better your Savings card to withdraw cash in a foreign currency in the UK (at a cash
suited to your needs. For more information visit halifax.co.uk/borrow or call machine or over the counter).
us to talk through your options.
Where you use your debit card to make a purchase in a currency other than
Check if your account is still right for you pounds, we'll also charge a £0.50 foreign currency purchase fee for each
Your banking needs can change over time so it’s important to check your payment. We won't charge this fee if your payment’s made in Euro within the
account is still right for you by visiting halifax.co.uk/bankaccounts to see EEA or UK, or where the retailer based outside the UK gives you the option to
our latest current accounts. pay in pounds. If you choose to do this we won't apply any charges but the
Our interest rates retailer might.
If we pay interest on your balance, your current interest rate is shown on the Keeping your data safe
front of this statement. To find out what the interest rates are on our other We promise to keep your personal information safe and only use in the way
accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
branch. copy on 0345 720 3040.
We’re here for you if something isn’t right
jProtecting yourself from fraud We want to make sure you’re happy with the products and service we offer. But
if something goes wrong, let us know and we’ll do everything we can to put
• Check your statements regularly - If something doesn’t look right
things right. If you’re still not happy, you can ask the Financial Ombudsman
or you spot a transaction on your statement you didn’t make, call
Service to look at your concerns, for free.
us straight away on 0800 500 3914 or +44 1132 888 408 if outside
the UK. We may not be able to refund a payment on some types of The Financial Services Compensation Scheme (FSCS)
account if you tell us more than 13 months after the date it The deposits you hold with us are covered by the Financial
happened. Services Compensation Scheme (FSCS). Every year we’ll send
• Keep your statements in a safe place - If you want to throw them you an information sheet which tells you the types of deposits
away, you should do it in a secure way, like shredding them – please covered and the protection offered by the FSCS. For more
don’t just put them in the bin. information visit FSCS.org.uk
• Helping you stay protected - We’ll do all we can to help you avoid
fraud. Visit halifax.co.uk/security for ways to protect yourself and We send statements and other communications from time to time for legal
information on the latest scams. reasons or to let you know about changes to your accounts or services.
• If your card, cheque book or PIN is lost or stolen - Call us straight When you call us your call may be monitored or recorded in case we need to
away on 0800 015 1515 or +44 (0) 113 242 8196 if outside the UK - check we have carried out your instructions correctly and to help improve our
lines are open 24/7. quality of service.
• The freeze card feature in our Mobile Banking app lets you quickly
freeze and unfreeze different types of transaction on your cards
whenever you need to. Find out more at
halifax.co.uk/aboutonline/download-apps/card-freezes

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
You can call us using Relay UK if you have a hearing or speech impairment. There's more information on the Relay UK help pages
www.relayuk.bt.com. If you need support due to a disability please get in touch.
SignVideo services are also available if you’re Deaf and use British Sign Language at halifax.co.uk/accessibility/signvideo
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 28 Sort Code 11-07-24
22 November 2024 Account Number 14067167
Page 3 of 4

EXPRESSCASH

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
22 Oct 24 STATEMENT OPENING BALANCE 44.09
23 Oct 24 FPI P STEPHENSON MAM 200000001440363591 5.50 49.59
23 Oct 24 DEB KEYSTORE EXPRESS CD 4123 4.64 44.95
23 Oct 24 DEB OCULUS * CD 4123 38.99 5.96
24 Oct 24 FPI P STEPHENSON MAM 600000001444671992 2.00 7.96
24 Oct 24 DEB MORRISONS DAILY CD 4123 3.99 3.97
25 Oct 24 FPI P STEPHENSON MAM 400000001450301156 12.00 15.97
25 Oct 24 FPI P STEPHENSON MAM 400000001450466931 5.00 20.97
25 Oct 24 DEB KEYSTORE EXPRESS CD 4123 2.00 18.97
28 Oct 24 FPI N HOWES 26OCT24 JAMIE.. MONEY 20.00 38.97
500000001446219673
28 Oct 24 FPI P STEPHENSON MAM 26OCT24 2.00 40.97
200000001442171305
28 Oct 24 DEB MORRISONS DAILY CD 4123 26OCT24 1.00 39.97
28 Oct 24 DEB KEYSTORE EXPRESS CD 4123 26OCT24 3.48 36.49
28 Oct 24 DEB UBER *EATS CD 4123 26OCT24 13.89 22.60
28 Oct 24 DEB CINEWORLD BOL AT CD 4123 27OCT24 21.98 0.62
29 Oct 24 FPI P STEPHENSON MAM 300000001451276258 5.00 5.62
30 Oct 24 FPI N HOWES JAMIE.. MONEY 200000001444337820 20.00 25.62
30 Oct 24 FPI P STEPHENSON MAM 200000001444381073 20.00 45.62
30 Oct 24 DEB KEYSTORE EXPRESS CD 4123 4.35 41.27
30 Oct 24 FPI N HOWES JAMIE.. MONEY 300000001452041156 1.00 42.27
31 Oct 24 DEB GO NORTH EAST LIMI CD 4123 1.00 41.27
31 Oct 24 DEB BMG NE Eldon Squar CD 4123 4.00 37.27
31 Oct 24 DEB KASPAS NEWCASTLE CD 4123 13.90 23.37
31 Oct 24 DEB JOLLIBEE CD 4123 21.46 1.91
04 Nov 24 FPI P STEPHENSON MAM 300000001455143912 21.00 22.91
05 Nov 24 DEB PARENTPAY E-COM R CD 4123 21.00 1.91
11 Nov 24 FPI P STEPHENSON MAM 600000001455300123 12.00 13.91
11 Nov 24 DEB Patreon* Membershi CD 4123 1.20 12.71
12 Nov 24 DEB PADDLE.NET* VOICEM CD 4123 11.97 0.74
14 Nov 24 FPI P STEPHENSON MAM 600000001456677788 5.00 5.74
14 Nov 24 FPI P STEPHENSON MAM 300000001460493603 0.50 6.24
15 Nov 24 FPI P STEPHENSON MAM 400000001462491345 2.00 8.24
15 Nov 24 DEB Patreon* Membershi CD 4123 5.40 2.84
18 Nov 24 FPI N HOWES 16NOV24 JAMIE.. MONEY 20.00 22.84
500000001458292969
18 Nov 24 DEB ASDA STORES CD 4123 17NOV24 12.75 10.09
18 Nov 24 DEB McDonalds 8260778 CD 4123 9.01 1.08
22 Nov 24 STATEMENT CLOSING BALANCE 196.01 153.00 1.08
Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Statement No. 28 Sort Code 11-07-24
22 November 2024 Account Number 14067167
Page 4 of 4

EXPRESSCASH
Payment types:
FPI - Faster Payment DEB - Debit Card

Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.