Bank AI
Get the app

Halifax — UK retail bank within Lloyds Banking Group, regulated by the FCA and PRA, originating as the Halifax Building Society in West Yorkshire.

HQ
Halifax / Edinburgh
Customers
Part of Lloyds Banking Group (26M+ group customers)
Connection
Open Banking (read-only)

  • Current accounts and salary inflows

    Your Halifax current account, with salary credits tagged and outflows auto-categorised on the same taxonomy as your other banks.

  • Savings, deposits and pots

    Easy-access savings, fixed-term deposits and goal-based pots offered by Halifax are read alongside the current account so the full balance is never split.

  • Cards and recurring spend

    Debit-card and credit-card transactions are auto-categorised, with card-on-file subscriptions detected as recurring monthly spend.

  • Standing orders and direct debits

    Mortgage payments, rent, utilities and SEPA direct debits hitting your Halifax account are detected so non-discretionary outflows are clear month-on-month.

  • Current accounts

    Read by Bank AI

    Read-only view of your daily spending account: balance, transactions, IBAN. Bank AI never moves the money - it stays in the bank.

  • Savings accounts

    Read by Bank AI

    Easy-access savings, vaults, fixed-term deposits and pots are read alongside the current account so the full balance picture is never split.

  • Joint accounts

    Read by Bank AI

    Joint accounts are read for every co-holder who connects the bank under their own consent - each member sees the same balances and transactions.

  • Business accounts

    Not yet supported

    Where the bank exposes business / SME / freelancer accounts via PSD2, they are read alongside personal accounts and tagged separately for clean reporting.

  • Multi-currency balances

    Not yet supported

    Multi-currency wallets surface every currency you hold separately, with FX rates applied so home-currency net worth stays accurate.

  • Debit and credit cards

    Read by Bank AI

    Card-only products without a full IBAN account are read for spend, statements and standing orders just like a current account.

Auto-classified merchants

  • Tesco
  • Sainsbury's
  • Asda
  • Morrisons
  • Greggs
  • Amazon UK
  • TfL
  • Costa Coffee

Detected subscriptions

  • Netflix
  • Spotify
  • Disney+
  • Now TV
  • Sky UK
  • BT

  • How much sits across my Halifax current account and Cash ISA today?
  • Compare my Halifax card spend at Tesco and Sainsbury's with my other UK bank.
  • List every recurring Sky UK, BT and Netflix payment on my Halifax account.
  • What's my Halifax Reward inflow this year?

Does Bank AI move money on my Halifax account?

No. Bank AI is read-only by design. Transfers, payments and standing orders continue to happen inside Halifax. Bank AI surfaces balances, transactions and recurring totals; every action remains under your control inside the Halifax app.

How does Bank AI connect to Halifax?

Halifax exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read balances, transactions and standing orders; Strong Customer Authentication is enforced every 90 days as the rules require.

Is Halifax the same as Lloyds Bank?

Halifax is part of Lloyds Banking Group but operates its own brand and customer base. Bank AI reads each one as its own connection so a Halifax account and a Lloyds Bank account stay distinct.

Does Bank AI surface my Halifax Reward Current Account?

Yes. The connection is at account level - the Reward and Ultimate Reward variants are read identically. The monthly reward inflows are tagged as bank-promotion income.

What about my Halifax Cash ISA?

Cash ISA balances are read as distinct sub-balances under your Halifax connection, with the annual subscription cap visible.

What happens if Halifax raises a connectivity error?

PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Halifax-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing any of your data.

Get the app