Page 1 of 4 31 March 2023

MASTER G O FELIX Statement No. 32

136 COWBRIDGE LANE Branch BARKING
BARKING Sort Code 11-00-22
ESSEX yPTTWUPuQVVvZUTYVTQZuXRx
Account No 12876667
IG11 8LJ j1zGcLMlB72cZIzUnWp;UBok
jQnoWuk5CyhTnTJlrDVg7Mqv IBAN GB78 HLFX 1100 2212 8766 67
kDsGkaHkYTvakBLM3pisXJik
kNnr3Tv16FkrkbaYcWimylMT
zzzzzzzzzzzzzzzzzzzzzzzz BIC HLFXGB21B07
Banking Helpline 0345 720 3040

www.halifax.co.uk

EXPRESSCASH 02 March 2023 to 31 March 2023

Your Account
Date of previous statement 01 March 2023
Balance on 02 Mar 2023 £24.26
Money in £86.02
Money out £74.40
Balance on 31 Mar 2023 £35.88
Credit interest £0.00

Your Interest Rates Fees Explained

Balances of AER% Gross p.a.% Other fees for special services are detailed in your account
£2,500.00+ 0.00 0.00 terms and conditions, previously provided.
If switching to us, different rates and fees may apply.
£1.00+ 0.50 0.50

AER is the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and
compounded once each year.
From 6th April 2016 your non ISA interest is paid gross, this means that we will not deduct tax automatically
from your interest. Depending on your personal circumstances tax may be due on the interest and it is your
responsibility to disclose and pay any tax due directly to HM Revenue and Customs (HMRC).

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Things you need to know
Getting in touch

J Write to us: Halifax,

PO Box 548, Leeds, LS1 1WU x Visit us in branch W Go online:
halifax.co.uk/contactus Z Call: 0345 720 3040
8am-8pm, seven days a week

Ways to manage your account About the fees we charge if you use your card abroad
Keep track of what's going in and coming out of your account at any time If you’re planning to travel overseas, we advise you to take a range of currency
using: options including foreign currency as well as your debit and credit card. To help
• Online Banking - View and manage your accounts online - 24 hours a protect you from fraud we always monitor transactions. In some circumstances
day, 7 days a week. Register at halifax.co.uk/onlinebanking this might mean we block your cash machine or card transactions in the UK or a
• Mobile Banking – Manage your account on the go with your mobile foreign country. If this happens, just call us on 0345 720 3040. We’ll ask you a
phone or tablet - 24 hours a day, 7 days a week. Download our app from few security questions and unblock your card for you.
Google Play or the App Store. If you use your card to withdraw cash or make a payment in a currency other
• Telephone Banking - Our automated service is available 24/7, or you can than pounds, the amount is converted to pounds on the day it is processed by
talk to us between 8am and 8pm, 7 days a week. Not all services are Visa using the Visa Payment Scheme exchange rate on the day. You can find the
available 24 hours a day, 7 days a week. exchange rate by calling 0345 720 3040 (+44 113 242 1984 from overseas); if you
• Text Alerts – We can also send you mobile alerts. Alerts can help you call before the transaction is processed, the rate provided will be an indication
manage your money and avoid charges. They remind you when you need only. You can find more information on our website about the exchange rates
to pay cleared funds into your account. They can also help you avoid that apply to your transaction to help you compare them with other card
going into an unarranged overdraft or having payments refused. Unless issuers' rates.
you’ve opted out, you’ll automatically receive alerts provided we have an
If you use your savings card to withdraw cash in a currency other than pounds
up to date mobile number for you. Find out more at
we’ll charge a foreign currency transaction fee of 2.99% of the value of each
halifax.co.uk/mobilealerts
transaction. This is a fee for currency conversion. If you use your savings card to
Overdrafts - choosing the right way to borrow withdraw cash in a currency other than pounds (at a cash machine) we will also
An arranged overdraft can help out when you need to borrow in the short charge a foreign currency cash fee of £1.50. Where you elect to allow the cash
term. For example to pay an unexpected bill. But if you use it often and don’t machine operator/financial service provider to make the conversion to pounds
reduce your balance, it can turn into an expensive way to borrow. Our cost we will only charge a foreign cash fee of £1.50. The provider of the foreign
calculator, which you can find online at halifax.co.uk/overdrafts tells you currency may make a separate charge for conversion. We won't charge a foreign
how much an arranged overdraft costs. You should consider if an arranged currency cash fee or a foreign cash fee if you withdraw euro within the EEA or
overdraft facility is the most suitable option for you to borrow money. If you UK.
need to borrow money for a longer time, there may be other options better If you use your debit card to withdraw cash or to make a payment in a currency
suited to your needs. For more information visit halifax.co.uk/borrow or call other than pounds we’ll charge a foreign currency transaction fee of 2.99% of
us to talk through your options. the value of each transaction. This is a fee for currency conversion. When you
Check if your account is still right for you use your debit card to make a purchase or other transaction (not cash
Your banking needs can change over time so it’s important to check your withdrawal) in a currency other than pounds, whether in person or by internet
account is still right for you by visiting halifax.co.uk/bankaccounts to see or phone, we will also charge a £0.50 foreign currency purchase fee. We won’t
our latest current accounts. charge a foreign currency purchase fee if you make a payment in euro within
the EEA or UK. If you use your debit card to withdraw cash in a currency other
Our interest rates than pounds (at a cash machine or over the counter) we will also charge a
If we pay interest on your balance, your current interest rate is shown on the foreign currency cash fee of £1.50. Where you elect to allow the cash machine
front of this statement. To find out what the interest rates are on our other operator/financial service provider to make the conversion to pounds we will
accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in only charge a foreign cash fee of £1.50. The provider of the foreign currency may
branch. make a separate charge for conversion. We won’t charge a foreign currency
cash fee or a foreign cash fee if you withdraw euro within the EEA or UK.
jProtecting yourself from fraud Keeping your data safe
• Check your statements regularly - If something doesn’t look right We promise to keep your personal information safe and only use in the way
or you spot a transaction on your statement you didn’t make, call you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a
us straight away on 0800 500 3914 or +44 1132 888 408 if outside copy on 0345 720 3040.
the UK. We may not be able to refund a payment on some types of We’re here for you if something isn’t right
account if you tell us more than 13 months after the date it We want to make sure you’re happy with the products and service we offer. But
happened. if something goes wrong, let us know and we’ll do everything we can to put
• Keep your statements in a safe place - If you want to throw them things right. If you’re still not happy, you can ask the Financial Ombudsman
away, you should do it in a secure way, like shredding them – please Service to look at your concerns, for free.
don’t just put them in the bin.
• Helping you stay protected - We’ll do all we can to help you avoid The Financial Services Compensation Scheme (FSCS)
fraud. Visit halifax.co.uk/security for ways to protect yourself and The deposits you hold with us are covered by the Financial
information on the latest scams. Services Compensation Scheme (FSCS). Every year we’ll send
• If your card, cheque book or PIN is lost or stolen - Call us straight you an information sheet which tells you the types of deposits
away on 0800 015 1515 or +44 (0) 113 242 8196 if outside the UK - covered and the protection offered by the FSCS. For more
lines are open 24/7. information visit FSCS.org.uk
• The freeze card feature in our Mobile Banking app lets you quickly We send statements and other communications from time to time for legal
freeze and unfreeze different types of transaction on your cards reasons or to let you know about changes to your accounts or services.
whenever you need to. Find out more at
When you call us your call may be monitored or recorded in case we need to
halifax.co.uk/aboutonline/download-apps/card-freezes
check we have carried out your instructions correctly and to help improve our
quality of service.

If your vision is impaired – please contact us for an alternative format

such as large print, Braille or audio CD.
If your hearing or speech is impaired – you can contact us using the Relay UK Service which is available 24 hours a day, 7 days a week; or via
textphone on 0345 732 3436 (lines are open 9am - 5.30pm, 7 days a week).
SignVideo services are also available if you’re Deaf and use British Sign Language at halifax.co.uk/accessibility/signvideo
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.
Fair lending – we adhere to The Standards of Lending Practice which are monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 32 Sort Code 11-00-22
31 March 2023 Account Number 12876667
Page 3 of 4

EXPRESSCASH

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
01 Mar 23 STATEMENT OPENING BALANCE 24.26
02 Mar 23 CSH HFX BARKING 20.00 44.26
02 Mar 23 FPI I OSARENKHOE MUM 200000001086732782 0.23 44.49
02 Mar 23 DEB CO OP GROUP FOOD CD 6018 0.20 44.29
02 Mar 23 DEB P BARKING SST CD 6018 1.00 43.29
03 Mar 23 SO I OSARENKHOE MOTHER 5.00 48.29
03 Mar 23 DEB CO OP GROUP FOOD CD 6018 0.20 48.09
06 Mar 23 DEB ALIEXPRESS.COM CD 6018 2.05 46.04
07 Mar 23 DEB www.aliexpress.com CD 6018 5.21 40.83
09 Mar 23 DEB P BARKING SST CD 6018 1.00 39.83
10 Mar 23 SO I OSARENKHOE MOTHER 5.00 44.83
10 Mar 23 DEB SQC*CASH OUT CD 6018 1.00 45.83
10 Mar 23 FPO ELIJAH DAPAAH PAINTBALL 10MAR23 17:27 4.00 41.83
10 Mar 23 FPO ELIJAH DAPAAH FOOD 10MAR23 18:10 1.98 39.85
13 Mar 23 DEB SQC*CASH OUT CD 6018 1.00 40.85
14 Mar 23 DEB TFL TRAVEL CH CD 6018 9.40 31.45
17 Mar 23 SO I OSARENKHOE MOTHER 5.00 36.45
17 Mar 23 DEB SQC*CASH OUT CD 6018 2.00 38.45
21 Mar 23 DEB SQC*CASH OUT CD 6018 1.00 39.45
23 Mar 23 DEB www.aliexpress.com CD 6018 5.21 44.66
23 Mar 23 FPO ELIJAH DAPAAH FOOD 23MAR23 21:31 11.00 33.66
24 Mar 23 SO I OSARENKHOE MOTHER 5.00 38.66
27 Mar 23 FPI I OSARENKHOE MUM 26MAR23 4.00 42.66
100000001099939411
27 Mar 23 DEB ALIEXPRESS.COM CD 6018 5.08 37.58
27 Mar 23 DEB www.aliexpress.com CD 6018 5.14 32.44
27 Mar 23 DEB ALIEXPRESS.COM CD 6018 5.14 27.30
28 Mar 23 DEB ALIEXPRESS.COM CD 6018 5.08 32.38
28 Mar 23 DEB SQC*CASH OUT CD 6018 5.50 37.88
29 Mar 23 DEB SUMUP *LA PASTA R CD 6018 8.00 29.88
30 Mar 23 CSH HFX BARKING 10.00 39.88
30 Mar 23 CSH HFX BARKING 5.00 44.88
31 Mar 23 SO I OSARENKHOE MOTHER 5.00 49.88
31 Mar 23 FPO ELIJAH DAPAAH FOOD 31MAR23 07:55 15.00 34.88
31 Mar 23 FPI EKWULUGWO ADAEZE GREAT 1.00 35.88
FP23090O00145788
31 Mar 23 STATEMENT CLOSING BALANCE 74.40 86.02 35.88
Payment types:
CSH - Cash DEB - Debit Card SO - Standing Order FPO - Faster Payment
FPI - Faster Payment
Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Statement No. 32 Sort Code 11-00-22
31 March 2023 Account Number 12876667
Page 4 of 4

EXPRESSCASH
Transaction Details
The "Details" column in your statement shows the date that a Debit Card payment has come into or out of your account only if
that happened on a weekend or a Bank Holiday.

Halifax is a division of Bank of Scotland plc, Registered in Scotland No. SC327000. Registered Office, The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority.