When is Halifax changing to Lloyds? Halifax app closes on 31 October

Halifax’s app and online banking will close on 31 October 2026, and customers need to move to the Lloyds Bank app before then. It is the first hard deadline in Lloyds Banking Group’s plan to retire the Halifax name, and it affects everyone who manages a Halifax current account, savings, mortgage, credit card, loan or insurance policy online, as MoneySavingExpert reported.

When is Halifax changing to Lloyds?

The change is happening in stages. Lloyds announced it at the start of July, when Halifax stopped opening accounts for new customers. The app and online banking go on 31 October, and from 1 November anyone who opens the Halifax app will see a message saying it is no longer in service.

Branches follow through 2027, when each Halifax branch will either be rebranded as Lloyds or, where a Lloyds branch is close by, its customers will be served there instead. Halifax mortgages sold through brokers carry on until Halifax Intermediaries becomes Lloyds Intermediaries in 2027.

How to move to the Lloyds app

Halifax app users are being sent a prompt to switch. The process is to download the Lloyds Bank app from the app store and log in with your existing Halifax details, with no new password needed, and your Halifax cards and products then appear in the Lloyds app. Halifax has warned that it will never ask for your PIN as part of the move, so any message that does is a scam.

What stays the same

Account numbers, sort codes, PINs, direct debits and standing orders do not change, and cards keep working until they are replaced with Lloyds-branded ones. Mortgage terms and insurance policies are unaffected. Savers keep separate deposit protection, because Halifax is part of Bank of Scotland rather than Lloyds Bank, so money in each is covered by the Financial Services Compensation Scheme up to £120,000 separately.

Why it matters

For a brand retirement, the app is the moment that really counts. Most Halifax customers have not been inside a branch for years, so the app is the brand, and on 1 November it stops existing. Lloyds has chosen to move the digital relationship first and the high street second, which is sensible, because that is where customers can be switched with a single login rather than a sign on a building.

It is also the part most likely to lose people, since any change to how you bank is a prompt to shop around, and every rival bank knows the date. For the bigger question of why a 173-year-old name is being retired at all, read why Halifax is changing to Lloyds.