Lloyds Sets October 31 Deadline for Halifax Digital Banking

Halifax customers in the United Kingdom must prepare for a change to their digital banking access as Lloyds Banking Group prepares to shut down the Halifax app and online banking services on October 31, 2026. The transition requires affected customers to access their accounts through Lloyds Bank's digital platforms, although their existing Halifax accounts and core banking details will remain unchanged.

The change concerns how customers log in and manage their accounts online, rather than a transfer of their underlying accounts to a different banking provider. Lloyds Bank addressed customer concerns on social media, explaining that account numbers, sort codes, debit cards, personal identification numbers (PINs), direct debits and standing orders will remain the same.

Halifax has been sending invitations through its mobile app and online banking portal to help customers establish access through Lloyds Bank. The two brands operate under Lloyds Banking Group, alongside Bank of Scotland.

In its response to a concerned customer, Lloyds Bank clarified the scope of the transition.

"The change only affects how you access your account digitally. Your account itself remains with Halifax, and your account number, sort code, debit card, PIN, direct debits and standing orders all stay the same." Lloyds Bank said.

The bank's explanation distinguishes the digital access changes from the continued operation of customers' existing Halifax accounts. Official guidance on the Halifax website also confirms that the way accounts function will remain unchanged.

According to Halifax's published guidance, the transition will not affect account numbers, sort codes, policy numbers, roll numbers, card details, PINs, standing orders, direct debits, payments or repayments.

Money Saving Expert separately highlighted the approaching deadline in an update advising Halifax customers to prepare for the closure of the brand's digital banking services.

"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." Money Saving Expert said.

The required steps depend on whether customers already use Lloyds Bank's digital banking services. Those with an existing Lloyds app or online banking profile do not need to complete another setup process, as their digital access is already established.

Halifax also confirmed that customers with Lloyds business banking login credentials can use those details to access the Lloyds personal banking app and online banking. Their business accounts will remain separate from their personal accounts.

Customers who do not yet have the Lloyds app can download it and begin using it before the Halifax digital banking services close on October 31, 2026.