Lloyd's Bank and Halifax question.

Nathaniel_Essex

Hi all. Was previously a Lloyd's customer but can't remember what their online banking was like. Main questions are:

In regards to pending payments (purchases), do these come off your available balance straight away?

And...

If you have a Scottish Widows stock ISA. Does this appear on your online banking? I know it did back when I had a Lloyd's bank account. Very curious if its the same with Halifax.

Context (if wanted) - I've had enough of Santander. Balance says one thing then the next day a whole bunch of pending payments come out. I have a stock ISA and current account with then and looking to have everything in one place.

PRAISETHESUN

I've found that most card transactions show as "pending" for a few days until they settle, but the amount is taken from your available balance straightaway. The SW accounts showing is a bit hit and miss for me - my SW pension shows in my Lloyds and Halifax online banking, but my two SW savings accounts do not. Can't comment on the ISA.

20aday

I know Lloyds Bank have recently updated the app to show pensions held with Scottish Widows but there's no mention in the release notes of savings accounts/ISAs; I would imagine they might be in the process of incorporating said products in a future update.

Most transactions show as 'pending' (when you expand the menu); it's only the odd contactless transactions that doesn't but as most retailers use online authorisation now it's more of a rarity.

Missus_Hyde

Nathaniel_Essex wrote: »

Hi all. Was previously a Lloyd's customer but can't remember what their online banking was like. Main questions are:

In regards to pending payments (purchases), do these come off your available balance straight away.

We've been with Lloyds since the year dot and I've found them no better or worse than any other bank (I've had the odd spat or two with them over the years, but I always get my own way eventually.;) ) They have recently updated their app, which is quite user friendly and their pending transactions come up straight away and show on the available balance.

I've never had any savings with them, so can't comment on that.