Halifax Deals & Offers

True, unfortunately Santander doesn't work for Waitrose either :( Might use it on Amazon gift cards though.

Bank & Store specific though. Waitrose & Morrisons definitely works with Lloyds for till cashback. However it doesn't work in Sainsbury's. I imagine Halifax would be the same as Lloyds as part of the same group....

I tried that last time with Santander and it didn't work, gift cards do though so worth picking up some Amazon ones. I got 10% via Santander but never get any offers on Halifax!

Buy a 15p banana & get £50 cashback :) There's no minimum spend for £50 cashback (Although perhaps spend £1 or the till person might get annoyed :p ).

Whatever way it's done still £50 as a card payment....

Confirmed that my 10% cashback tracked for my £100 Amazon in store top up. The first store I tried said the PayPoint limit awas £50. I didn't think that was right and tried another store. Topped up £100 in my Lloyds and £100 on my Halifax accounts - boom - free £20 cashback.

I haven't used mine because when I mentioned that I want amazon top up from the paypoint I've been told to wait until all customers waiting behind me are served, I walked away.

I just used this offer today in Spar for Amazon top up. My account just shows it as a chip and pin purchase. Hopefully the cashback will show up shortly

I've successfully used Halifax, HSBC (visa rewards), and Nationwide (visa rewards) cards at PayPoint in co-op for Amazon top up before. I usually buy something from the shop at the same time so don't know if that makes a difference since they always put it through as one transaction with the top up.

Still curious about this - Paypoint talks about payments in cash only for Amazon credits. If that's the case, a Halifax/Santander payments isn't going to be possible.

I used mine so it's gone, it you've used your card a lot in nandos then it might not appear for you

i can't see too.

Also on lloyds :)

I can’t see on mobile app in Santander retailers offers any one checked ?

Only got 5%.

My card company didn’t make a mistake. PayPal made the mistake by charging that card instead of the one I chose as my preferred payment method.

So is the advantage this has over starling and revolut etc that you get cc protection with this? I'd like to see a side by side comparison of all these cards lol

When a bank pays back money it incorrectly took it must pay the interest that money would have generated so that's probably what the extra was.

Looks like they changed it back again I spent ages on the phone arguing this and at first they pretended thats the way it always was and that you could never pay in original currency from a UK account

I recommend this together with Starling bank. Keep them as a combo. Halifax for purchases and Starling for cash withdrawal.

You need a current account to get cash back even if you use only the credit card.

Same here!

account specific

is it for the Halifax credit card. I have the app but never seen cashback. Where is it on the app?

Totally agree, while all the other banks are offering cashback that we could actually benefit from, Halifax seems to list the most random, obscure places, usually restaurants that aren't even local. Halifax are awful, poor cashback offers, decreased rewards, higher account fees and poor interest rates for savers

No, you need to activate the deal. And then when you make a purchase, Halifax will refund 10% back in to your account. This is a copy and paste from the Halifax site. Earn 10% Cashback on all your grocery purchases at Waitrose until 16/09/2018 - in store or online at waitrose.com(maximum total reward of £30). Offer excludes purchases online that aren't made through Waitrose Groceries. Plus with myWaitrose membership you'll also receive rewards and offers tailored just for you. Join for free at waitrose.com/mywaitrose (separate terms and conditions apply). Pay with your debit or credit card (unless the offer states you must pay by Direct Debit) to get the cashback.

I've just opened a rewards account and I'm new to the cashback. Do you have to have previously shopped in waitrose to get the cashback? ty

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)

Done this easy £75

Hi all, I'm new to the concept of switching current accounts (surely not the only one) and have just been reading up on the current account switch service. Am I correct in thinking that you guys are suggesting to simply create a new current account with your existing bank - even if you only put £10 in it - and then have Halifax do the switch on that new account to get the £75 reward? Surely that's too good to be true? There must be a drawback?? Like somebody above mentioned something about credit checks etc? Otherwise why wouldn't people simply hop from account to account continually?

If you want A £3 reward every month then you need that

I don’t know if it is, I saw it on MSE when I was ready to move it. I didn’t transfer it straight away as still have it. M&S want you to set-up an account with them first and then transfer it over so worth having a look and see if M&S still have the £125 gift card, if so take it out and in a month or so you can switch the account to M&S

is the m&s offer still current what did you do just transfer the £75 out straight away ?

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!

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