Page 1 of 3 01 July 2025

MR DARIO PRELEC Statement No. 21

FLAT 5C Branch LONDONDERRY
3 EATON LANE Sort Code 11-09-68
LONDON yTRXWvyVxuyRTXYWWV
Account No 11557363
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IBAN GB84 HLFX 1109 6811 5573 63
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zzzzzzzzzzzzzzzzzz BIC HLFXGB21O11
Banking Helpline 03457 394959

www.halifax.co.uk

BASIC ACCOUNT 01 June 2025 to 01 July 2025

Your Account
Date of previous statement 01 June 2025
Balance on 02 June 2025 £6.38
Money in £703.36
Money out £709.70
Balance on 01 July 2025 £0.04

Fees Explained
Other fees for special services are detailed in your account terms and conditions, previously provided.
If switching to us, different rates and fees may apply.

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
7am-11pm, seven days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time If you’re planning to travel overseas, we advise you to take a range of currency
using: options including foreign currency as well as your debit and credit card. To help
• Online Banking - View and manage your accounts online. Register at protect you from fraud we always monitor transactions. In some circumstances
halifax.co.uk/onlinebanking this might mean we block your cash machine or card transactions in the UK or a
• Mobile Banking – Manage your account on the go with your mobile foreign country. If this happens, just call us on 0345 720 3040. We’ll ask you a
phone or tablet. Download our app from Google Play or the App Store. few security questions and unblock your card for you.
• Telephone Banking - Our automated service is available 24/7, or you can If you use your card to withdraw cash or make a payment in a currency other
talk to us between 7am and 11pm, 7 days a week. Not all services are than pounds, the amount is converted to pounds on the day it is processed by
available 24 hours a day, 7 days a week. Visa using the Visa Payment Scheme exchange rate on the day. You can find the
• Text Alerts – We can send mobile alerts to help you keep an eye on your exchange rate by calling 0345 720 3040 (+44 113 242 1984 from overseas); if you
account balance, for example when you’re about to go into your call before the transaction is processed, the rate provided will be an indication
arranged overdraft. only. You can find more information on our website about the exchange rates
Overdrafts - choosing the right way to borrow that apply to your transaction to help you compare them with other card
An arranged overdraft can help out when you need to borrow in the short issuers' rates.
term. For example to pay an unexpected bill. But if you use it often and don’t If you use your savings card to withdraw cash in a currency other than pounds
reduce your balance, it can turn into an expensive way to borrow. Our cost we’ll charge a foreign currency transaction fee of 2.99% of the value of each
calculator, which you can find online at halifax.co.uk/overdrafts tells you transaction. This is a fee for currency conversion. If you use your savings card to
how much an arranged overdraft costs. If you need to borrow money for a withdraw cash in a currency other than pounds (at a cash machine) we will also
longer time, there may be other options better suited to your needs. For charge a foreign currency cash fee of £1.50. Where you elect to allow the cash
more information visit halifax.co.uk/borrow or call us to talk through your machine operator/financial service provider to make the conversion to pounds
options. we will only charge a foreign cash fee of £1.50. The provider of the foreign
currency may make a separate charge for conversion. We won't charge a foreign
Check if your account is still right for you
currency cash fee or a foreign cash fee if you withdraw euro within the EEA or
Your banking needs can change over time so it’s important to check your
UK.
account is still right for you by visiting halifax.co.uk/bankaccounts to see
our latest current accounts. If you use your debit card to withdraw cash or to make a payment in a currency
other than pounds we’ll charge a foreign currency transaction fee of 2.99% of
Our interest rates the value of each transaction. This is a fee for currency conversion. When you
If we pay interest on your balance, your current interest rate is shown on the use your debit card to make a purchase or other transaction (not cash
front of this statement. To find out what the interest rates are on our other withdrawal) in a currency other than pounds, whether in person or by internet
accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in or phone, we will also charge a £0.50 foreign currency purchase fee. We won’t
branch. charge a foreign currency purchase fee if you make a payment in euro within
the EEA or UK. If you use your debit card to withdraw cash in a currency other
than pounds (at a cash machine or over the counter) we will also charge a
j Protecting yourself from fraud foreign currency cash fee of £1.50. Where you elect to allow the cash machine
• Check your statements regularly - If something doesn’t look right operator/financial service provider to make the conversion to pounds we will
or you spot a transaction on your statement you didn’t make, call only charge a foreign cash fee of £1.50. The provider of the foreign currency may
us straight away on 0345 602 2160 or +44 1132 888 408 if outside make a separate charge for conversion. We won’t charge a foreign currency
the UK. We may not be able to refund a payment on some types of cash fee or a foreign cash fee if you withdraw euro within the EEA or UK.
account if you tell us more than 13 months after the date it
happened. Keeping your data safe
• Keep your statements in a safe place - If you want to throw them We promise to keep your personal information safe and only use in the way
away, you should do it in a secure way, like shredding them – please you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
don’t just put them in the bin. copy on 0345 720 3040.
• Helping you stay protected - We’ll do all we can to help you avoid We’re here for you if something isn’t right
fraud. Visit halifax.co.uk/security for ways to protect yourself and We want to make sure you’re happy with the products and service we offer. But
information on the latest scams. if something goes wrong, let us know and we’ll do everything we can to put
• If your card, cheque book or PIN is lost or stolen - Call us straight things right. If you’re still not happy, you can ask the Financial Ombudsman
away on 0800 015 1515 or +44 (0) 113 242 8196 if outside the UK - Service to look at your concerns, for free.
lines are open 24/7.
The Financial Services Compensation Scheme (FSCS)
• The freeze card feature in our Mobile Banking app lets you quickly
The deposits you hold with us are covered by the Financial
freeze and unfreeze different types of transaction on your cards
Services Compensation Scheme (FSCS). Every year we’ll send
whenever you need to. Find out more at
you an information sheet which tells you the types of deposits
halifax.co.uk/aboutonline/download-apps/card-freezes
covered and the protection offered by the FSCS. For more
information visit FSCS.org.uk
We send statements and other communications from time to time for legal
reasons or to let you know about changes to your accounts or services.
When you call us your call may be monitored or recorded in case we need to
check we have carried out your instructions correctly and to help improve our
quality of service.

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

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 732 3436 (lines are open 9am - 5.30pm, 7 days a week).
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