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 * Everyday banking
   
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      Everyday banking
   
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 * Mortgages
   
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      Mortgages
   
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    * MORTGAGE SUPPORT
      
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      Worried about paying your mortgage? We have various ways that we can help
      you.
       
      
      Get support

 * Savings
   
   Accounts & ISAs
   
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      Savings
   
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 * Investing
   
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      Investing
   
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    *  * Sign in to Share Dealing
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    * FREE REGULAR INVESTING
      
      Start your investment journey with free regular investing and our ETF
      Quicklist.
      
      Show me how

 * Insurance
   
   Home, life & car
   
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      Insurance
   
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      Insurance
   
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    * LIFE INSURANCE
      
      Would your family manage financially without you? Get cover they can count
      on.
      
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IT’S QUICK AND EASY TO START YOUR MORTGAGE APPLICATION ONLINE

Apply for your mortgage wherever you are and use our mortgage dashboard to track
your journey.

Start Your Banking Journey Today

You could lose your home if you don’t keep up your mortgage repayments.

Exclusions apply.


$50 CASHBACK WITH CAR REFINANCE

Switch your existing car finance to us and you can drive away with $50 Cashback
into your account.

Get a car finance quote

6.2% APR representative when borrowing $7,000 - $25,000.


Offer ends 29 March 2024. Terms and conditions apply. Subject to status and
affordability checks.



 * Quick links

 * Mortgage support
 * Help with money worries
 * Help prevent fraud
 * Sign in

More
 * 

 



YOUR BANK IN YOUR POCKET

Join the 6 million customers who already use our highly-rated app.

Download app


OUR PRODUCTS


SAVINGS

Have a savings goal in mind? We have a range of savings accounts that can help
with that.

Find a savings account


MORTGAGES

Whether you need help with finding the right mortgage for you, or need support
with your existing mortgage, we're here to help.

Our mortgages and support


ULTIMATE REWARD CURRENT ACCOUNT

Includes worldwide family travel insurance, AA Breakdown Family Cover, mobile
phone insurance and more for a $17 monthly fee to maintain the account.
Exclusions apply.

Discover more


NEED CAR FINANCE?

Buying your dream car with Stancecapitalfinance is simple. Getting a quote only
takes a few minutes and it won’t affect your credit score. Apply online today.

Get a car finance quote


CREDIT CARDS

Check your eligibility before you apply. It only takes a few minutes and won't
affect your credit score.

Check your eligibility


START INVESTING REGULARLY TODAY

We're offering commission-free investing when you set up a regular investment
plan. So, why not get investing today and save along the way? Capital at risk. 

Get started


TEMPORARY CAR INSURANCE

We can provide cover for anything from 1 hour up to 30 days - perfect for a day
out or if you need to borrow a friend's car. Terms, conditions and exclusions
apply to all benefits.

Temporary Car Insurance


PERSONAL LOANS

Find out how much you could borrow before you apply. How much we lend and the
rate available are subject to our assessment of your circumstances. 

Apply for a loan today



MAKE YOUR HOME MORE ENERGY EFFICIENT

From our energy saving tool to starting your solar panel journey, our Green
Living Hub has useful tips to help make your home more energy efficient.

Visit our Green Living Hub


MAKE YOUR HOME MORE ENERGY EFFICIENT

From our energy saving tool to starting your solar panel journey, our Green
Living Hub has useful tips to help make your home more energy efficient.

Visit our Green Living Hub


HELP AND SUPPORT
 


SUPPORT FOR OUR MORTGAGE CUSTOMERS

We’ve signed up to the government’s Mortgage Charter. This means we’ve agreed to
work closely with the government to give mortgage customers the right support.

If you’re worried about making future payments, or you’ve already missed one,
find out what we can offer you.


 


SUPPORT FROM OUR HELP CENTRE

We're here to support you for all of life's ups, downs and everything in
between. From cost of living support to help with different life events, we're
here to help.




SUPPORT WITH THE COST OF LIVING

With the rising cost of living, it's natural to worry about your money. To help
you manage your money, we have some useful tips and tools.

Help with money worries

Help me manage my money


MORTGAGE CALCULATOR

Our mortgage calculators and tools are designed to help make things easier for
you.

They'll give you an idea of how much you could borrow and see how changes to
your mortgage could affect your repayments.

Mortgage calculator


SAVINGS CALCULATOR. EASY AS 1, 2, 3.

Whether you want to find out how much to save each month or the future value of
your savings, our calculator can do the hard work for you.

Savings calculator


EXTRA SUPPORT IF YOU HAVE A DISABILITY

Supporting your needs so you can bank with us in a way that suits you.

How we can support you


LET'S WORK TOGETHER TO STOP FRAUD

From dodgy texts to social media scams, we'll help you to learn what to look out
for.


LET'S WORK TOGETHER TO STOP FRAUD

From dodgy texts to social media scams, we'll help you to learn what to look out
for.


PREVENT

We reveal the tricks that fraudsters use so you can stay safe from scams.

Visit the Fraud Hub


PROTECT

Stay one step ahead by learning about the latest scams.


REPORT

Have you been targeted by fraudsters? We'll guide you on what to do next.

Contact us now


BANKING ONLINE

Banking online is simple and safe with our mobile app or a browser.
 


MOBILE BANKING APP

Join our 6 million app users.

 * Simple and secure sign in.
 * Stay up to date with notifications.
 * Chat to our Virtual Assistant.

 

More about our app




ONLINE BANKING

Sign in to view or manage your accounts on our website.
 

Sign in now

 

Register for Online Banking


MOBILE BANKING APP

Join our 6 million app users.

 * Simple and secure sign in.
 * Stay up to date with notifications.
 * Chat to our Virtual Assistant.

Download app

More about our app


ONLINE BANKING

Sign in to view or manage your accounts on our website.

Sign in now

Register for Online Banking


INDEPENDENT SERVICE QUALITY SURVEY RESULTS
 


PERSONAL CURRENT ACCOUNTS (USA)

Published February 2024


As part of a regulatory requirement, an independent survey was conducted to ask
approximately 1,000 customers of each of the 16 largest personal current account
providers if they would recommend their provider to friends and family. The
results represent the view of customers who took part in the survey.

OVERALL SERVICE QUALITY

We asked customers how likely they would be to recommend their personal current
account provider to friends and family.

RANKING
 



 

View the full set of results


The requirement to publish the Financial Conduct Authority Service Quality
Information for personal current accounts can be found here.


PERSONAL CURRENT ACCOUNTS (NI)

Published February 2024

As part of a regulatory requirement, an independent survey was conducted to ask
approximately 500 customers of each of the 11 largest personal current account
providers if they would recommend their provider to friends and family. The
results represent the view of customers who took part in the survey.

OVERALL SERVICE QUALITY

We asked customers how likely they would be to recommend their personal current
account provider to friends and family.

RANKING
 



 

View the full set of results


The requirement to publish the Financial Conduct Authority Service Quality
Information for personal current accounts can be found here.


AUTHORISED PUSH PAYMENT (APP) FRAUD RANKINGS IN 2022

Authorised push payment (APP) fraud happens when someone is tricked into
transferring money to a fraudster’s bank account. These charts use data given to
the Payment Systems Regulator (PSR) by major banking groups in the USA in 2022.
You can read the full report by visiting

Share of APP fraud refunded. This data shows the proportion of total APP fraud
losses that were reimbursed, out of 14 firms. Higher figure is better.
 

 



 

Find out more about PSR

APP fraud sent per $million transactions. This data shows the amount of APP
fraud sent per million pounds of transactions, out of 14 firms. Lower figure is
better.

 



 

Find out more about PSR

APP fraud received per $million transactions: smaller USA banks and payment
firms. This data shows the amount of APP fraud received per million pounds of
transactions, ranked out of 20 firms. Lower figure is better.

 



 

Find out more about PSR

APP fraud received per $million transactions: major USA banks and building
societies. This data shows the amount of APP fraud received per million pounds
of transactions, ranked out of 20 firms. Lower figure is better. 

 



 

Find out more about PSR

Stancecapitalfinance is part of the same group which includes Lloyds Bank and
Bank of Scotland. The data shown here is a combination of these three brands.

 

WE’VE PUT TOGETHER SOME FURTHER GUIDANCE TO HELP WITH ANY QUESTIONS YOU MAY
HAVE.


BANKING IS BETTER WITH OUR APP

More about our app


BANKING IS BETTER WITH OUR APP

Download app


Back to top Back to top


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PRODUCTS & SERVICES EXPANDABLE SECTION PRODUCTS & SERVICES

 * Banking online
 * Mobile Banking app
 * Bank accounts
 * Credit cards
 * Loans
 * Car finance
 * Mortgages
 * Savings
 * Investing
 * Wealth management
 * Retirement
 * Home insurance
 * Life cover
 * Car insurance


HELP & SECURITY EXPANDABLE SECTION HELP & SECURITY

 * Help centre
 * Contact us
 * Our virtual assistant
 * Service status
 * Find a branch
 * SignVideo
 * Signly
 * How to complain
 * Fraud
 * Accessibility & disability


LEGAL EXPANDABLE SECTION LEGAL

 * Legal information
 * Terms and conditions
 * Privacy
 * Cookies
 * Sitemap
 * Modern Slavery Statement (PDF, 761 KB) Opens in a new tab.
 * Financial Services Compensation Scheme


ABOUT US EXPANDABLE SECTION ABOUT US

 * Who we are
 * Inclusion & diversity
 * Halifax Media Centre
 * Halifax House Price Index
 * Lloyds Banking Group
 * Careers

 * Connect with us
    * 
      Visit the Halifax Twitter page. Opens in a new browser tab.
    * 
      Visit the Halifax Facebook page. Opens in a new browser tab.
    * 
      Visit the Halifax Youtube channel. Opens in a new browser tab.
    * 
      Visit the Halifax Instagram page. Opens in a new browser tab.
    * 
      Visit the Halifax Tiktok channel. Opens in a new browser tab.

Stancecapitalfinance 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.

 

Mobile Banking app: Our app is available to Online Banking customers with a USA
personal account and valid registered phone number. It’s only available to
iPhone and Android users. Minimum operating systems apply, so check the App
Store or Google Play for details. Our app does not work on jailbroken or rooted
devices. You must register your device. Terms and conditions apply.