Halifax Deals & Offers

hats the cheapest way to get 10k over 24 months ? I guess I would have a excellent credit record

any tcb

A great way to skip balance transfer fees is to get a Revolut, top up the Revolut from your new credit card and then transfer that to your old credit card. 🙏🏻

I suppose, I'm still new to it :) One card (31 months) is offsetting a 3 year ShareSave scheme. The low Santander limit spooked me a bit, as for obvious reasons, I'll need to hawk the balance off that card around the 30 month mark, for ~6 months. Couple of cards are just for day to day spending and get cleared off in full every month. The other two (Santander and previous x month offer supplier) are carrying the 0% balance from a previous share save that's sat in premium bonds. I may keep the other supplier's card open to give me wriggle room on the current sharesave but as above, it is a bit concerning if the option to BT somewhere else down the line isn't 100% guaranteed.

Pretty much. You'll no doubt be paying more on interest on your existing card than you are the balance. With balance transfer cards you are simply paying off the balance with no added interest for the length of the promotional period. There's obviously a small fee to transfer but it is as straightforward as you think (y)

Cashback offer conditions Cashback offer valid on accounts opened between 30th April 2018 and 31st August 2018.The £20 cashback will only apply on the first transaction made in a foreign currency by 30th September 2018.The £20 cashback will be applied to your credit card retail balance within 90 days of the transaction being made and will appear on your statement as ‘Foreign purchase cashback’.The cashback offer is only valid on one transaction per customer.The cashback will not affect the minimum payment due. Your minimum payment should be paid on time each month.

Is this for new customers only? Please be clear OP

UK law says that payments need to be allocated to the highest interest rate first. However, Clarity has one rate of interest so it falls to the T&Cs which state that it will go to your cash balance first. That means you can pay off just your cash balance. However, if you prepay then the balance will be allocated on a FIFO basis as the transactions arrive so be careful.

This card is the best. It's not all that hard to get either. I got it on extended maternity leave about 4 and a half years ago now. I was a housewife back then so no actual income of my own. I had a huge limit to start as well 5k so it can't be that hard to get. It is all we use abroad.

Cool! If you got the barclay card you would get till the statement date to pay off atm withdrawals! However if you pay off straightaway via online banking then as you say you don't get charged. The Ethiopian birr is 35.35 and the mastercard rate is 35.32 so only .1% difference on the interbank rate. The visa rate is 35.14 making it .59% difference. As its the weekend revolut would be charging a 1% markup. Interesting that with more obscure currencies the difference between visa and mastercard is huge as its six times more. However as the markups ar so small to begin with in pound terms its nothing but interesting. Be interesting to see what the exchange is but I think its a closed currency so you cannot get it in the UK. Better to compare more open currencies but can't be bothered at the mo.

Too many restaurant offers for me.

Ah I see thanks very much, I never thought of getting top ups! I'll keep my eyes peeled for coop etc on my offers list thanks

Thanks OP

Does this appear under cash back extras? I've Just went into my account, and signed up for the first time. There is no active offers yet. :/

It's not exactly that. On selected Halifax reward accounts you can get shopping offers at certain retailers such as 10% cashback at co-op. You could buy anything at co-op and so long as you have applied the offer to your card then Halifax give you 10% back. To make the most of these offers you can use the paypoint machine to purchase digital topups. You could also buy physical gift cards or a combination of topups, gift cards and even groceries.

This is local deal, but my local shop ever day at 6pm has £3 items down to £1 and everything else 2 thirds off, i call atleast 3-4 times per week. I eat like a king! But i never post them deals, i guess i dont want anyone going to my local nabbing all good reduced foods, selfish maybe , but i intend to save for the better things in life like hols & pay of my house sooner, i save thousands a year,keep the scrimping up

These won’t have lasted 5 minutes before being snapped up, never mind alerting anyone else (excited)

I was just thinking the same.

The naivety here is quite charming, I suppose :)

I'm going to start a final reductions thread, knowing this site it will go mega hot (y)

It's going down to £2 in Octobe

Yeah you need to manually activate it online.

Does anyone what the sky definition of recontract is? Our annual contract is due to expire on 1/10/18, and I will renegotiate another year contract with them probably. I just need to know if they would class that as recontracting? When negotiating I would Change my direct debit to Halifax to comply with the terms of this offer. I just have a normal reward bank account and need to know if I have to register online or something please, as I don't do online banking with Halifax Thanks

The £3 will be actually £2 starting with next month.

Joined Halifax in march this year . Left my old bank after being with them for over 10 years and took a credit hit. Within 2 weeks halifax increase monthly fee by £2 and change mobile phone insurance excess from £30 to £100. I cancel that before increase and excess increase. Now i get letter saying the crappy £3 a month is dropping to £2. Will be leaving halifax very soon.

Oh yeah I meant lloyds lol

The reward account dropped to £3 a while now and will be dropping to £2 shortly

Just signed up to them, simply to buy from abroad. Although I applied two days ago and haven't heard a peep since.

Starling bank my friend fee free worldwide and pay some interest not much. I suppose it depends on how much ypu go abroa

I absolutely love Halifax & would recommend them to anyone. It’s annoying the reward has gone from £5 down to £2. The help to buy ISA has dropped from 5%, to 3.5% to 2.25%. I have the Ulimate Reward Account, recently cracked my iPhone screen and they want £100 excess towards the £145 cost of replacing (embarrassed)

Yes I did

is there anyone received their £ 20 STATEMENT CREDIT????

Hi Does anyone know the daily withdrawal limit for the clarity card?

Any cash back on this besides 20 quid

Does anyone know a way of withdrawing cash in the USA without incurring a fee? There always seems to be an ATM fee. I never get charged a fee in Europe.

From recent experience I can confirm that the 5% ( or 10% or 15 % .etc ) Halifax cashback extra offer that you have to click to activate to receive money back on your shopping spend in Waitrose is also applied ( only the once ) to any cashback you request at the checkout till. I request £50 cashback at the Waitrose till and then go straight to the next Halifax branch & pay the £50 straight back in..i think the phrase is called ' double bubble' !

My problem is I use apps and mobile versions of webpages that don't always show everything. Sorted now, thx

Can you buy something for £1 and ask for cashback at till of £50 ? So it show you spent £51 at Iceland??anyone tried this and if so did Halifax pay?

​No! The Times Sir!

5%

Can you buy something for £1 and ask for cashback at till of £50 ? So it show you spent £51 at Iceland??anyone tried this and if so did Halifax pay?

Shame most of their food has nasties or allergens or id be in.

Oh okay, that's how it seems to work for me, there is nothing ever worth getting excited about anyway with the offers they have.

No sorry that doesn't make sense when I look at my offers .... I get loads of offers on my account i.e. for hotels (which I would only ever book by credit card) and shops that I don't shop at, whereas my partner only ever has about 2 offers.

It depends what you purchase on your bank card, if you book a hotel you will then receive hotels cashback offers for Hilton etc. Buy some groceries and you will receive food shopping offers ie, Iceland, Morrisons etc. Hope this makes sense.

Been buying them few @ a time got about 12months worth now lol, ive noticed the fluorescent pee too

Fluorescent yellow pee. Great coloring

Very swish

Picked some up last week, turns your urine radioactive, but tablets are full of the good stuff so I’ll be taking them for a while to see if they cheer me up in the winter when sunshine is in short supply. 8)

Been buying these from HB for about six months now. They replenished the stock a couple of weeks ago with a much bigger range. So not pointless.

I've done more or less that today. Half a dozen eggs for 95p and £50 cashback. Shows £50.95 sale.

Can you buy something for £1 and ask for cashback at till of £50 ? So it show you spent £51 at Iceland??anyone tried this and if so did Halifax pay?

Can confirm I got cashback on cashback at coop :D

10pc on mine dont even shop there.

Do Iceland offer cashback service at their tills , anyone know ? I have a 10% off Iceland as well atm

Sadly not for me. I only seem to get useless rewards for places I'm never going to shop at.

Does co op do cashback?

Just go and buy the cheapest thing and get as much cashback instore as you can, I think max £50 cashback. Then just put the £50 back in the bank and you get a free £5. Voila bit of hassle for a fiver I know but if you are willing to do it it's free money.

5% on mine and I only ever use it when these offers are on.

Not on mine but it has reminded me to activate the new ones.

Normally pay about £8 for this in Costco so sounds like a great deal

Its handy to have but the exchange rate is pretty poor 0.882635 GBP.

you only get 200 euros free per month though reading with the standard account.

Simple solution to this to exchange your currency in advance of the weekend then you don't pay a surcharge, anything you dont spend just withdraw it after the weekend is over. At the weekend, major currency has a 0.5% surcharge to buy ie dollar pound and euro. Everything else 1.5%. If thats too much effort it's probably easier to get a card with higher exchange rates and don't worry about cheaper rates. For comparison right now on revolut 1GBP buys you : 1.3574 usd or 1.1322 euro https://blog.revolut.com/what-is-the-interbank-exchange-rate/

Not sure about that. Even on their own forums, there are people complaining about poor excahnge rates on the weekend etc. Link

See youtellme90 and the responses further down about half way through the page https://forums.moneysavingexpert.com/showthread.php?t=5640378