Page 1 of 4 19 July 2023

MR C MOLDOVAN Statement No. 43

2/1 Branch HALIFAX GLASGOW
221 BALMORE ROAD Sort Code 11-52-37
GLASGOW
Account No 03599765
LANARKSHIRE yTRZUZxQWTUxxyTYVQSXuXVV
jkDqmoTUw7rkZIzUmIkqED2A
oMEEoLmRRwhTnTJVlruIs:7p IBAN GB80 HLFX 1152 3703 5997 65
G22 6NA k3Nhk8XAQTvaj2A0IhnPQjck
kaBoe7:fUFn4ZASQCWFmSFFr
zzzzzzzzzzzzzzzzzzzzzzzz
BIC HLFXGB21Y76
Banking Helpline 0345 739 4959

www.halifax.co.uk

CURRENT ACCOUNT 19 July 2023 to 18 August 2023

Your Account
Date of previous statement 07 July 2023 Type of Fee Quantity Total

Balance on 07 July 2023 £1.026,79 Debit card fee

£9.19
Total fees
£9.19
£800.25 The fees detailed above have been paid during this statement period.
Balance on 28 Jul 2023 £0.00 The fees paid in this statement period are highlighted in the 'Fees Explained'
Arranged overdraft interest section and on the reverse.

Fees Explained
Money in £2.001,74
Other fees for special services are detailed in the Reward Payments and Account Fees leaflet, previously provided. If switching
to us, different rates and fees may apply.
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

Write to us: Halifax,

PO Box 548, Leeds, LS1
Go online: Call: 0345 7203040

1WU x Visit us in branch 8am-8pm, seven

halifax.co.uk/contactus
days a week

Waysto manage your account needs. For more information visit halifax.co.uk/borrow or call us to talk through
Keep track of what's going in and coming out of your account at any time using: your options.

• Online Banking - View and manage your accounts online - 24 hours a day, 7 Checkif your account is stillright for you days a week. Register
at halifax.co.uk/onlinebanking Your banking needs can change over time so it’s important to check your
• Mobile Banking – Manage your account on the go with your mobile phone account is still right for you by visiting halifax.co.uk/bankaccounts to
see our or tablet - 24 hours a day, 7 days a week. Download our app from latest current accounts.
GooglePlay or the App Store.
Ourinterest rates
• TelephoneBanking - Our automated service is available 24/7, or you can talk
If we pay interest on your balance, your current interest rate is shown on the
to us between 8am and 8pm, 7 days a week. Not all services are available 24 front of this statement. To find out what the interest rates are on our other
hours a day, 7 days a week. accounts, visit halifax.co.uk/bankaccounts/rates-rewards-fees or ask us in
• Text Alerts – We can also send you mobile alerts. Alerts can help you branch. manage your money and avoid charges. They remind you when you
need to pay cleared funds into your account. They can also help you avoid going into an unarranged overdraft or having payments refused. Unless you’ve
opted out, you’ll automatically receive alerts provided we have an up to date mobile number for you. Find out more at halifax.co.uk/mobilealerts

Overdrafts -choosing the right way to borrow

An arranged overdraft can help out when you need to borrow in the short term.
For example to pay an unexpected bill. But if you use it often and don’t reduce
your balance, it can turn into an expensive way to borrow. Our cost calculator,
which you can find online at halifax.co.uk/overdrafts tells you how much an
arranged overdraft costs. You should consider if an arranged overdraft facility is
the most suitable option for you to borrow money. If you need to borrow money
for a longer time, there may be other options better suited to your
 that apply to your transaction to help you compare them with other card
issuers' rates.
jProtecting yourself from fraud If you use your savings card to withdraw cash in a currency other than pounds
we’ll charge a foreign currency transaction fee of 2.99% of the valueof each
• Check yourstatements regularly - If something doesn’t look right or
transaction. This is a fee for currency conversion. If you use your savings card to
you spot a transaction on your statement you didn’t make, call us
straight away on 0800 5003914 or +441132 888 408 if outside the UK. withdraw cash in a currency other than pounds (at a cash machine) we will also
We may not be able to refund a payment on some types of account if charge a foreign currency cash fee of £1.50. Where you elect to allow the cash
you tell us more than 13 months after the date it happened. machine operator/financial service provider to make the conversion to pounds
we will only charge a foreign cash fee of £1.50. The provider of the foreign
• Keep yourstatements ina safe place - If you want to throw them away,
you should do it in a secure way, like shredding them – please don’t currency may make a separate charge for conversion. We won't charge a
just put them in the bin. foreign currency cash fee or a foreign cash fee if you withdraw
euro within the EEA or UK.
• Helping you stay protected - We’ll do all we can to help you avoid
fraud. Visit halifax.co.uk/security for ways to protect yourself and If you use your debit card to withdraw cash or to make a
information on the latest scams. payment in a currency otherthan pounds we’ll charge a foreign
currency transaction fee of 2.99% of the value of each
• Ifyour card, cheque book or PIN islost or stolen - Call us straight away
transaction. This is a fee for currency conversion. When you use your debit card
on 0800 0151515 or +44(0) 113242 8196 if outside the UK lines are
to make a purchase or other transaction (not cash withdrawal) in a currency
open 24/7.
other than pounds, whether in person or by internet or phone, we will also
• The freeze card feature in our Mobile Banking app lets you quickly charge a £0.50 foreign currency purchase fee. We won’t charge a foreign
freeze and unfreeze different types of transaction on your cards
currency purchase fee if you make a payment in euro within the EEA or UK. If
wheneveryou need to. Find out more at
you use your debit card to withdraw cash in a currency other than pounds (at a
halifax.co.uk/aboutonline/download-apps/card-freezes
cash machine or over the counter) we will also charge a foreign currency cash
fee of £1.50. Where you elect to allow the cash machine things right. If you’re
About the fees we charge if you use your card abroad If you’re planning
still not happy, you can ask the Financial Ombudsman Service to look at your
to travel overseas, we advise you to take a range of currency options including
concerns, for free.
foreign currency as well as your debit and credit card.To help protect you from
fraud we always monitortransactions. In some circumstances thismight mean The Financial Services Compensation Scheme (FSCS)
we block your cash machine or card transactions in the UK or a foreign country. The deposits you hold with us are covered by the Financial Services
If this happens, just call us on 0345 7203040. We’ll ask you a few security Compensation Scheme (FSCS). Every year we’ll send you an information sheet
questions and unblock your card for you. which tells you the types of deposits covered and the protection offered by the
If you use your card to withdraw cash or make a payment in a currency other FSCS. For more information visit FSCS.org.uk
than pounds, the amount is converted to pounds on the day it is processed by
We send statements and other communications from time to time for legal
Visa using the Visa Payment Scheme exchange rate on the day. You can find the
reasons or to let you know about changes to your accounts or services.
exchange rate by calling 0345 7203040 (+44113 2421984 from overseas); if you
call before the transaction is processed, the rate provided will be an indication When you call us your call may be monitored or recorded in case we need to
only. You can find more information on our website about the exchange rates check we have carried out your instructions correctly and to help improve our

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

such as large print, Braille or audio CD.
operator/financial service provider to make the conversion to pounds we will quality of service. only
charge a foreign cash fee of £1.50. The provider of the foreign currency
Statement No. 43 may
make a separate charge for conversion. We won’t charge a foreign currency cashfee or a foreign cash fee if you withdraw
euro within the EEA or UK. 18 July 2023 Page 4 of 4
With Travel Ready you can use your debit card abroad as often as your like with no debit
card fees for £7 a week. Add it to your account before you travel and

CURRENT ACCOUNT
it’ll start on the date you tell us.
Keepingyour datasafe
Sort Code 11-52-37 If your hearing or speech is Account
We promise to keep your personal information safe and only use in the way you’ve asked. See our privacy notice at halifax.co.uk/privacy or call us for a Number
03599765 impaired – you can contact us using the Relay UK copy on 0345 7203040. Service which is available 24 hours a day, 7 days a week; or
via textphone on 0345 7323436 (lines are open
We’rehere foryou if something isn’t right
We want to make sure you’re happy with the products and service we offer. But
if something goes wrong, let us know and we’ll do everything we can to put 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 ofScotland 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 monitoredand enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 43 Sort Code 11-52-37
18 July 2023 Account Number 03599765
Page 3 of 4

CURRENT ACCOUNT
 11 Jul 23 DEB Sultan Super Market CD 5130 36.28 763.50 11 Jul 23 DEB LIDL GB BALMORE

R CD 5130 89.10 674.40

(Continued on next page)

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.

Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type

11 Jul 23 DEB SCOTTISH POWER CD 5130 30.00 644.40

11 Jul 23 DEB Sultan Super Market CD 5130 15 629.40

12 Jul 23 DEB HOME BARGAINS CD 5130 12.67 616.73

12 Jul 23 DEB LIDL GB BALMORE R CD 5130 14.27 602.46

12 Jul 23 DEB B & Q 1180 CD 5130 36.26 566.20

13 Jul 23 DEB LIDL GB BALMORE R CD 5130 95.78 470.42

18 Jul 23 DEB SCOTTISH POWER CD 5130 20.00 450.20

26 Jul 23 BGC A Ruben Ltd 1.050,05 1.500,25

28 Jul 23 TFR John McCartney 700.00 800,25

5 Aug 23 DEB LIDL GB BALMORE R CD 5130 25.67 774.58

13 Aug 23 DEB SHELL 25 HAWTHORN CD 5130 19AUG23 60.23 714.35

18 Aug 23 DEB SCOTTISH POWER CD 5130 50.00 664.35

20 Aug 23 DEB MCDONALDS CD 5130 14.56 649.79

Payment types:
DD - Direct Debit FPO - Faster Payment BGC - Bank Giro Credit DEB - Debit Card
FPI - Faster TFR - Transfer
Payment
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.