I have been with Halifax for a number of years now, maybe 10? And I can honestly say I've never had a problem. I've lost a card while out shopping (pre Covid - when you could shop!) I've had an online rouge tried to make a fraudulent charge against my account for some "white goods" in a foreign country; and, I once had to query a cash withdrawal I spotted on my statement from an overseas bank. Given that my passport was two years out of date at the time it certainly wasn't me! All of the above incidents were delt with no fuss whatsoever; and because these incidents were years apart, I can only conclude that this is their operational norm? So, yes, I've been tempted with the cash bribes to "ditch and switch" to other providers, but I'm happy where I am; and as long as I don't go into the red and I abide by the terms and conditions, there are no nasty charges. So here I'll stay.
Reviewed on: 26th March 2021
With rates of return falling all around us in the savings space, it's incredible to find one that: (a) Is easy access and (b) offers a un-matched bonus on your savings; without having to lock your money away for multiple years.
The automatic intelligent nature of this platform means you can sit back and let it stealthily build you a little nest egg, but if you've already got a little saved elsewhere, you could drop it in your chip+ account and get that great bonus rate on it. This was true for up to £5000; but this has recently been doubled to £10000! What's not to like!
With its easy access and great bonus rate I intend to keep this account as my emergency fund account earning a good bonus rate when not needed; but if I do need to dip into it, I can rest assured that it will cleverly top itself back up over time.
Reviewed on: 26th March 2021
