Halifax app → Lloyds Bank app

Lloyds Banking Group announced in early July 2026 that it would retire the Halifax brand after 173 years and keep a single lead consumer bank brand, according to Marketing Week. For people who use the Halifax app, the practical effect is a change of app. MoneySavingExpert reports that the Halifax app and online banking stop working entirely on 31 October 2026, and its September follow-up puts it as being unavailable from Sunday 1 November, with Saturday 31 October as the last day to switch.

The move itself is described as short. Per MoneySavingExpert, people who use the Halifax mobile app get a prompt inside it, are sent to their phone’s app store to download the Lloyds Bank app, and sign in with their existing Halifax login details. The same report says there are no new passwords or memorable details to set up. People who use Halifax online banking in a browser are told to follow the invitation shown when they log in. These steps come from press coverage of the bank’s announcements; Halifax’s own help pages are the place to confirm them.

Reporting from Which? and thinkmoney says the underlying accounts are not changing. Account numbers and sort codes stay the same, as do card details and PINs, direct debits and standing orders. Existing product terms and rates are described as unaffected for now, and cards are expected to be reissued with Lloyds branding over time. Halifax branches are to be rebranded as Lloyds branches during 2027 or, where a Lloyds branch is nearby, customers are redirected to it, according to the thinkmoney summary. Halifax mortgages remain available through intermediaries until 2027.

What is less clear is the detail of feature parity. Marketing Week lists Club Lloyds, Lloyds Rewards and an AI financial coach as things Halifax customers gain access to. The published coverage does not say how saved payees, statement history or any Halifax-only tools are handled, so it is sensible to check these after the first login rather than assume.

Cost does not come up in the coverage. Neither app is described as carrying a fee, though that is an absence in the sources rather than a stated guarantee.

The trade-off is simple. This is not a choice between competing apps. Staying with a Halifax account means using the Lloyds app, and the only other route is to move your accounts to a different bank entirely, which is a larger step involving account switching and is outside the scope of this page. Nothing in the sources suggests the Lloyds app is a downgrade, but it is a different interface that existing users will need to learn, and the date is fixed.

One practical point: MoneySavingExpert and the bank’s guidance, as reported, say the bank will contact customers only by email, letter or in-app message, and will never ask for a PIN or for a login through a link or QR code. Anyone who gets an unexpected message about the switch should go to the app store directly instead of following a link. This is general information about the switch, not financial advice.