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Halifax Online banking
Comments
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Only at the machine. Different branches are changing at different times, but you will soon need to fill in a form to do any counter transaction, even if you have your debit card on you.
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Once their Chip & Pin facility is "live" you won't have to, plus the majority of Halifax branches have IDM machines, no PIN, just simple deposit, cash available immediately too. True paper forms will have to be used initially but you cannot expect a changeover to happen just overnight at the touch of a button can you?0 -
You could then use the argument that Halifax are 3 years behind Lloyds only just introducing chip&pin!
True.There aren't really any advantages but neither are there any disadvantages either.
The fact that it's an out-dated payment method that relies on little slips of paper? It's far more efficient to have a fully-automated system where we don't need to have bits of paper floating around everywhere.
I assume that BGCs will disappear with cheques in 2018, so why are we now giving a whole extra set of people the opportunity to use them? We surely should be scaling down their use in preparation for 2018, and showing people that there are much better ways to make bill payments.Although I no longer work in a Lloyds branch, the conversations I have had with my ex-colleagues after the buddy scheme where Halifax counter staff visited Lloyds branches to try the system out, have been that the H- staff were very positive and actually looking forward to the switch over.
That's because the current Halifax counter system is old-fashioned and rubbish to use! It looks as though it comes from the 1980s. Halifax staff are almost guaranteed to look at it and initially think 'wow, that looks modern and easy to use'.
The LTSB system is 'nicer' for the staff to use because essentially it's simplt. But it seems to me to make everything that little bit more difficult for the customer (excl. the introduction of Chip and PIN in July). The whole paying-in slip faff, the fact that you won't be able to close savings accounts in branch, procedure for writing bankers' drafts, ...Once their Chip & Pin facility is "live" you won't have to, plus the majority of Halifax branches have IDM machines, no PIN, just simple deposit, cash available immediately too. True paper forms will have to be used initially but you cannot expect a changeover to happen just overnight at the touch of a button can you?
Very true. It may in fact make people happier to use the IDMs, which can only be a good thing.0 -
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That's because the current Halifax counter system is old-fashioned and rubbish to use! It looks as though it comes from the 1980s. Halifax staff are almost guaranteed to look at it and initially think 'wow, that looks modern and easy to use'.
That may be true for branches, but the telephone banking system is essentially a giant command prompt.... as opposed to the nice shiny easy to use GUI there is now...100% G33K
:D:D:D:D0 -
I know we are talking about Halifax here so I don't really know the changes (with Lloyds TSB myself) I know with them you can pay in money/cheques over the counter with your debit card so maybe it will be on it's way once they get on with the switch?
Just getting everything else in place first, then... Maybe?David
£1 of debt is too much for me!0 -
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jennifernil wrote: »What will you have to do then to close a savings account?
Sorry, should have said can't close it instantly. Now, it's a quick transaction to get interest added and repaid to the customer.
With LTSB, you can make your request in a branch, but it'll be a day or two before they add in the interest.0 -
excellent new look
hope FPS is fixed 0 -
Have the halifax told you the re savings accounts? Lloyds customers can close instant access savings accounts on the spot like any another current account. Will this be different for Halifax?the fact that you won't be able to close savings accounts in branch, procedure for writing bankers' drafts, ...
Out of interest how are drafts going to change as well?0 -
My OH's Halifax accounts were upgraded to the new 'Lego look' yesterday. Mine are the old and understandable version, still.
I moved some (interest) excess from a Lloyds Vantage earlier today. It came via FP and was showing in Halifax in the few seconds it took to log back in.
On the joint account it was aimed at ..... it's showing (her screen) as a BGC (Bank Giro Credit) as are all previous such credits from that source. On my screen (old - no posting codes) it shows as Bank Credit ..... as opposed to the Faster Payment previous such credits attract.
As this is now allegedly a joined up platform. Should such transfers attract TFR (Transfer) or FPI?
I'm assuming the BGC is a start up issue.If you want to test the depth of the water .........don't use both feet !0
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