Halifax app closing 2026: what to do before 31 October

If you bank with Halifax through its mobile app, you need to move to the Lloyds app before the Halifax app closing completes at the end of this month. The closure began on Monday 5 October 2026, and the app is due to go out of service on Saturday 31 October, according to Express.co.uk. That leaves a matter of weeks to act, and the move itself is described by the bank as quick.

The Halifax mobile app closure date in plain English

Lloyds Banking Group is retiring the Halifax brand and bringing its customers under the Lloyds name. Express.co.uk reported that the brand’s retirement was confirmed earlier this year, with bosses saying the brands would unify under the Lloyds banner rather than continue as two high street names. As part of that, the Halifax app and online banking are being closed in stages.

Halifax has emailed customers about the Halifax banking app shutdown. The message, as quoted by Express.co.uk, read: “Just a quick reminder that from 5 October, as part of the Halifax brand changing to Lloyds, we’ll start to close the Halifax app.” Customers will manage their accounts, credit cards, savings and mortgages in the Lloyds app instead.

Reports differ slightly on the final date. Express.co.uk said the app goes out of service on Saturday 31 October, while both Express.co.uk and Birmingham Live said Halifax’s digital services, including online banking, end from 1 November. The sensible reading is to treat 31 October as your deadline.

Who pays more or less

None of the reports we reviewed mentions any charge for moving to the Lloyds app, and Halifax says your core account details stay as they are. According to the bank’s message, your sort code, account number, credit or debit cards, PINs, standing orders and direct debits will not change. Physical cards should keep working as normal; we have not seen a date for replacement Lloyds-branded cards, so check with the bank.

Jas Singh, Lloyds Banking Group’s chief executive of consumer relationships, said: “As Halifax changes to Lloyds, our Halifax customers will keep everything they know and love today.” He added that customers will get “the best innovation and experiences we offer” as Lloyds customers.

One thing you may not get is a cash incentive. Which? reports that Lloyds’ current £200 switching offer cannot be claimed by switching from a Halifax or Bank of Scotland current account. It also excludes anyone who has received a switching incentive from Lloyds, Halifax or Bank of Scotland since 1 January 2023. Moving to the Lloyds app is not a switch, so the switching offer does not apply to it.

A worked example: the weeks from 5 October

Take a customer who reads the Halifax email on Monday 5 October. From that day to Saturday 31 October is 26 days. If they put the move off until the final weekend, they would be trying to set up a new app on the day the old one is due to stop working, with any problem arriving at the worst moment.

The table below sets out the dates reported so far, so you can see where your own deadline falls.

Now suppose that customer has a standing order for rent and two direct debits. Halifax says those will not change, so the payments should carry on without any action from the customer. What the customer does need to do is open the Lloyds app and check that those payments appear as expected.

What to do now: moving to the Lloyds app

Halifax says that “in just a few easy steps, you’ll be up and running, with everything you need ready for you”, including your accounts, payments you have set up, and any letters and statements sent to your digital inbox. It is worth doing this in the first week or two, rather than waiting for the deadline.

Once you are in, check your balances, scheduled payments and savings against what you saw in the Halifax app. If you use online banking on a computer as well, remember that it is being moved to Lloyds too. Our own advice is to save any statements you want to keep for your records, as a precaution.

Be careful with messages about the change. Use the app store and the bank’s own website rather than links in unexpected texts or emails, and do not share passwords or PINs with anyone who contacts you. If you are unsure whether a message is genuine, contact the bank using details from the back of your card or its official website.

Your questions answered

What happens to my Halifax account when they close?

Your account is not closing; the app is. Halifax says your sort code, account number, cards, PINs, standing orders and direct debits will not change. You will manage the same account through the Lloyds app and online banking instead.

Is Halifax changing to Lloyds?

Yes. Express.co.uk reported that the Halifax brand is being retired as Lloyds Banking Group simplifies its portfolio. Birmingham Live noted that the group has owned Halifax since 2009 and is now moving all Halifax customers to Lloyds.

How do I get in touch with Halifax customer service?

The sources we reviewed do not give a contact number, so we have not printed one. Use the details on your card or on the official Halifax or Lloyds website. You can also visit a branch, though it is worth checking with the bank whether your local Lloyds, Halifax or Bank of Scotland branch can help with your query. Express.co.uk also lists Post Office services, banking hubs and community bankers as options.

Branch closures are happening at the same time. Express.co.uk reported 26 Lloyds Banking Group closures in October, made up of 23 Lloyds and three Halifax branches, while Birmingham Live listed 26 Halifax branches. If you rely on a local branch, check its closing date with the bank.