Halifax customers must move to the Lloyds app by 31 October 2026

Halifax online banking is moving into the Lloyds app. What changes, what to check before the deadline, and options if you do not use apps

Halifax online banking is being moved into the Lloyds app, and customers have until 31 October 2026 to make the switch. Your accounts, sort code and card stay the same; what changes is how you log in. This guide covers what to expect, what to check before the deadline, and what to do if you do not bank on a phone.

Key facts: deadline 31 October 2026. Halifax accounts move into the Lloyds app. Account numbers, sort codes, cards, direct debits and standing orders are unchanged. Set up the new app before the deadline so you are not locked out.

What is actually changing

Halifax is part of Lloyds Banking Group, and the group is bringing its online banking together in one app. Halifax customers will log in through the Lloyds app instead of the Halifax app or website.

What does not change:

Your account numbers and sort codes.
Your debit and credit cards.
Direct debits, standing orders and scheduled payments.
Your balance, transaction history and any overdraft.
Halifax branches and telephone banking.

Halifax has been contacting customers directly with instructions. Follow the message from the bank, not a link in an email or text you were not expecting. Fraudsters use any bank change as a hook.

What to check before 31 October

Make sure Halifax has your current mobile number and email address. You will need them to verify the new app.
Download the Lloyds app from the official app store on your phone, not from a link.
Set it up while your existing Halifax login still works, so you can compare balances and confirm everything has carried across.
Check that saved payees appear. If any are missing, add them again and verify the account details by phone.
Note any Halifax-specific features you rely on, such as spending categories or savings tools, and see where they sit in the new app.
Update any third-party apps that link to your Halifax account through open banking. The connection may need to be re-authorised.

If you do not use a smartphone

Not everyone banks by app, and the bank must still serve you. Options include:

Telephone banking, which continues.
Branches, and Post Office counter services for cash and cheques.
Asking Halifax what web-based access will remain for people without a compatible phone. Ask for a written answer.

If you have a disability or other need that makes app banking difficult, tell the bank. Under the FCA's Consumer Duty, firms are required to support customers with characteristics of vulnerability, and that includes offering a workable alternative to an app.

Security points

Bank apps use your phone's lock, fingerprint or face recognition. Set a strong phone passcode.
Never share one-time codes with anyone, including someone claiming to be from Halifax or Lloyds.
The bank will not ask you to move money to a "safe account". If anyone does, it is a scam.
If you are tricked into sending money, banks must refund authorised push payment fraud up to £85,000 within five days unless you were grossly negligent. Report it at once.

If you would rather leave

A forced change is a natural moment to look at other banks. Switching bonuses of £200 to £240 are live in September 2026 from NatWest, First Direct, Lloyds and Santander. The Current Account Switch Service moves everything in seven working days with a guarantee. Bear in mind that Lloyds and Halifax share a parent group, so a switch bonus from Lloyds may not be available to existing Halifax customers. Check the terms.

Do this now

Set up the Lloyds app this week rather than waiting for the deadline.
Confirm your contact details with Halifax.
Keep a note of your Halifax customer number and login details until you are sure the new access works.
If you cannot use an app, call Halifax now and ask what alternative it will provide after 31 October.