Lloyds Sets October 31 Deadline for Halifax Digital Banking

Millions of Halifax customers must switch to Lloyds Bank's digital banking services by October 31, 2026, as Lloyds Banking Group phases out the Halifax brand in England, Wales and Northern Ireland. The change will close Halifax's mobile app and online banking platform, requiring account holders to use Lloyds' digital services from November 1.

According to MoneySavingExpert (MSE), founded by Martin Lewis, customers can complete the transition through the Halifax app or website. Lloyds Banking Group has confirmed that existing account details, payment arrangements and banking products will remain unchanged during the move.

MSE warned Halifax customers that the deadline is approaching and explained that the existing digital platforms will no longer be available after October 31.

"Halifax is about to shut its online banking, so if you're a customer, you need to act now. The brand will soon be swallowed up by Lloyds Banking Group. The Halifax app and online banking will be shut down completely from October 31. That means you'll need to switch over to the Lloyds Bank app before November." the MoneySavingExpert team said.

Customers using the Halifax mobile app can follow the on-screen notification to begin the process. They will be directed to download the Lloyds Bank app and sign in with their existing Halifax credentials.

MSE confirmed that customers will not need to establish new login details. Once the transition is complete, their banking products will appear in the Lloyds app, and the Halifax app will no longer be accessible.

"You won't need to create a new login. Once you complete this step, you won't be able to use your Halifax app anymore, and all your products will appear in the Lloyds app." the MoneySavingExpert team said.

Customers who manage their accounts through a web browser can follow a similar process. A notification displayed when they sign in to Halifax online banking will provide step-by-step instructions for completing the switch.

MSE also addressed questions about the impact on other financial products held with Halifax, including savings accounts, insurance policies and mortgages. The guidance states that these products will not be affected by the digital banking transition.

"If you only use online banking, you'll get a similar notification when you log in online, with step-by-step instructions for how to switch. If you have savings, insurance, or a mortgage with Halifax, for example, the bank has confirmed that this won't be affected during the switch." the MoneySavingExpert team said.

Lloyds Bank has also responded to a customer who expressed sadness about the end of the Halifax brand. The bank clarified that the immediate change concerns digital account access rather than the underlying terms of customers' banking arrangements.

According to Lloyds Bank, account numbers, sort codes, debit cards, personal identification numbers (PINs), direct debits and standing orders will remain unchanged. Payments and repayments will continue under existing arrangements.

Halifax's website has also reassured customers that the transition will not alter how their accounts operate.

"Everything about how your accounts work stays the same." Halifax said.

Lloyds Banking Group announced in July that it would consolidate its brands under Lloyds in England, Wales and Northern Ireland. The group said the plan aims to simplify banking and support investment in digital tools, products and personalized customer service.

The group also plans to rebrand existing Halifax branches as Lloyds Bank locations. According to the published schedule, physical rebranding will take place throughout 2027, with Halifax signs expected to begin disappearing from high streets in early 2027.

Lloyds Banking Group has said it will notify customers well in advance of changes affecting their local branches and contact individuals before making changes to their banking products.