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| Customer Service | 1.9/10   |
|---|---|
| Ease of Use | 2.7/10 |
| Overdraft Facility | 0.8/10 |
| Overall rating | 1.6/10 |
Full review by
emma louise
on 6th Dec 2007
User Rating : 3
Respect :
0
Good Points: Nothing that other banks cant offer
Bad Points: Rubbish advertising.
General comments: I chose to open my student account with Halifax, as knew i would be tight for money at universty, and figured that the 2750 overdraft could come in helpful as oppose to the free gift other banks were offering.
However, i have been informed that i cannot increase my overdraft above 1000. Therefore i would recommend people read through the small print or opt for the free gift instead!
emma louise's review and ratings | 75 words
Review by
Angrystudent
on 13th Nov 2007
User Rating : 0
Respect :
0
What is the point of a bank account with a cheque book(who takes cheques these days) no cheque guarentee card and no debit card how do I access the money? And had to open with 100.00!
Angrystudent's full review | 46 words
Review by
gellie
on 14th Oct 2007
User Rating : 0
Respect :
0
Customer since baby, now 18, opened student account online, took 3 weeks for them to answer, they sent me a cheque book, 4 weeks later still no card, still no pin number. Thankfully I have an other account or I would be at uni with no access to money. Very disappointed with Halifax. I really will have to think about changing Banks. Lovely helpful people in local agency, shame about the rest.
gellie's full review | 77 words
Review by
yvonnecrowle
on 19th Sep 2007
User Rating : 1
Respect :
0
Halifax are grabbing the headlines, drawing in applications from students with promises of a £2,750 interest-free overdraft. However, this is very subtly qualified during the application process, and they end up offering individuals far less, and less than banks which practice straightforward honest advertising - viz:
Halifax - come to us and get £2,750 interest free overdraft for up to 5 years - sub-text (never made explicit) - er, only if you have previously had a well-maintain ...
yvonnecrowle's full review | 227 words
Review by
claracluff
on 29th Aug 2007
User Rating : 5
Respect :
0
I went to my local halifax branch in sheffield to change my current account over to a student account. I was advised by staff this was possible, but when I went to actually do this I was advised it wasnt possible. You are not allow to just upgrade your current account to a studnet account (which meant i would only not pay interest on my over draft nothing else!) I HAD to open a new student account. I said this surely wasn't necessary as i have an existing account. They filled in my application a ...
claracluff's full review | 180 words
Review by
tew
on 1st Jun 2007
User Rating : 1
Respect :
0
With my Halifax Student Current Account they told me my overdraft limit was £1000 max this week, even though I've already got £1500!?! Last month they told me I can have £2700!?! They try and sell you loans and credit cards left right and centre but don't like helping in the areas that most student need help. Been with Halifax for years and now I'm jumping ship!
tew's full review | 109 words
Review by
tillywho
on 28th Nov 2006
User Rating : 0
Respect :
0
My main concern with Halifax is that they advertise the availability of a £2700 overdraft, when in reality they actually offered me £500. I agree with other points made on this page. Considering they offer no 'incentives' such as MP3 players or a Railcard (neither of which I need), and advertise a generous overdraft (don't misunderstand me - I was never expecting the full amount from day one - more around the half way mark) but £500? And to access I needed to pay £100 at ...
tillywho's full review | 122 words
Review by
kweisberg
on 14th Sep 2006
User Rating : 0
Respect :
+2
As a loyal customer for years, with a current account, savings account, and ISA's all in healthy credit, I was declined a student account, which I desperately need as I'm going to study for 4 years in London at great expense!!
I also claimed for 3 charges Halifax made to my account which they shouldn't have done. They acknowledged their mistake after legal action, and we signed a contract with them agreeing to pay back all the money, but so far they haven't. And they said it does not affect m ...
kweisberg's full review | 175 words
Review by
kimkimbers72
on 4th Sep 2006
User Rating : 3
Respect :
+1
I opened an account 2 months ago as it looked better than most deals. However, I was only offered £1000 overdraft and not the advertised £1900! I asked why this was and I was told 'you only get up to £1900', I said well I've been mis-informed then.
I left the branch and phoned them to see if the story was the same - I was told that a request would be put in for the full amount. Weeks later I got a letter saying it had been declined 'due to a review of finances.' I was in cred ...
kimkimbers72's full review | 183 words
Review by
alby20002000
on 21st Aug 2006
User Rating : 2
Respect :
+1
I left school at 16 and opened a current account with Halifax, and I went to work full time for about half a year before I decided to go college. I have been at college for three years and have now finished (summer 2006), and I am now off to Salford University. Because of some problems with my student loan, which means I will receive it late, I decided to open a student bank account at Halifax (because on paper the account looks really good and offers a large fee free overdraft). It is vital I g ...
alby20002000's full review | 333 words
Review by
judz
on 14th Aug 2006
User Rating : 0
Respect :
+1
I have had a student account with Halifax for 3 years. The customer service I have received has been terrible. They have repeatedly changed the status of my account to a non-student account without notification, and they charged me for the privilege of changing it back. They have no graduate plan at all, and interest on my overdraft upon graduation jumped from my 0% student rate to through the roof. I have found them to inconsiderate and uncooperative. They have repeatedly messed up my direct de ...
judz's full review | 129 words
Review by
Oby1
on 12th Aug 2006
User Rating : 0
Respect :
+1
I've paid about £10k over 2 years into my Halifax Student Current Account, and I have not received a penny in interest. The minute I went £15 in the red, they charged me £39. It is now illegal for banks to charge more than £12 unauthorised overdraft fee.
Oby1's full review | 72 words
Review by
rui001rui
on 24th Jun 2006
User Rating : 0
Respect :
0
I have had an account with Halifax since 2003 (Current account), and in all these years they did not give me any privileges, such as overdrafts. However, when a direct debit is paid in my account and the money is not there, they are too quick in charging £39. I have applied for an overdraft but they do not give it to me (maybe because they are getting more in not giving). So far (2006) I have paid something like £273 in charges. Last month I applied for a student account because I am ...
rui001rui's full review | 112 words
Review by
cookiesforcows
on 10th Jan 2006
User Rating : 0
Respect :
+1
The Halifax Student Current Account went well for 3 years, but in the last year I have paid over £700 in charges alone, due to mistakes made by the halifax and they gave me 2 weeks notice to pay off my entire overdraft, threatening me with bailiffs, etc, as they did not believe I was a student, even though a month prior I had shown them evidence!!!! Grr. do not join!
cookiesforcows's full review | 68 words
Review by
jhamku
on 31st Oct 2005
User Rating : 4
Respect :
+1
I am an international student , went to Halifax to open a student account. First, they refused to accept the recommendation letter from my university, UWIC; which all the other banks accept. They asked for any other bank statement or any bills in my name. I submitted the bills and all the documents, went to the bank 3 times and finally they processed my application. After few days I received a letter stating that they cannot offer me a student account as I have not passed a credit check. Now, te ...
jhamku's full review | 157 words
Review by
Auntytoo
on 12th Oct 2005
User Rating : 0
Respect :
0
I tried to open a student account with Halifax, but was told that due to the fact I had no debt, an account wasn't available to me!!!!!
Auntytoo's full review | 27 words
Review by
alicja
on 13th Feb 2004
User Rating : 8
Respect :
-1
I opened my first account with halifax when I was 13 years old. When I became a university student, I applied for the student current account. It was all done very quickly and easily, and the staff were nice and helpfull. I received a £1250 interest free overdraft limit, provided I pay my student loan instalment or other sources of income into the account. The overdraft was easy to obtain compared to other banks. For example my boyfriend had to justify what he needed the overdraft for at B ...
alicja's full review | 133 words
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