Page 1 of 4 30 April 2022

Statement No. 4
KEVIN O DONNELL Branch STRATFORD (0156864202166)
3 DUBLIN ST Sort Code 27-18-27-30-17-77-49-18
DUNDALK yTRxZvWQxZyVRYQyZv
Account No 16509562518600658
COUNTY LOUTH jeGPKWoUiyXAW41goc
ZGUSUwPrVn8YHEDsuV IBAN DH18 QS15 LC14 1723 1000
yUG2qw9FcxoVaMnk1C
kXPkUoHypuWIK:;rQ4
zzzzzzzzzzzzzzzzzz BIC HX61986DV1735DH893
Banking Helpline 0345 720 3040

www.halifax.co.uk

Reward Current Account 31 March 2022 to 30 April 2022

Your Account Arranged Overdraft limit £1,000

Date of previous statement 30 March 2022 Type of Fee Quantity Total
Daily arranged overdraft fee 6 £9.25
Balance on 31 Mar 2022 £570.92OD
Debit card fee 11 £18.54
Money in £1,117.48 Total fees 17 £27.79
Money out £1,080.31 The fees detailed above have been paid during this statement period.
Balance on 30 Apr 2022 £533.75OD The fees paid in this statement period are highlighted in the 'Fees Explained'
Arranged overdraft interest £0.07 section and on the reverse.
Reward Payment credited £0.00

Your Interest Rates Fees Explained

To support customers through the impacts of the Coronavirus we have applied a temporary We'll pay you a £2.00 reward each month you use the account
interest free amount on your arranged overdraft from 6th April until 9th July 2022 - Please as your main bank account and remain in credit throughout the
visit www.halifax.co.uk/bankaccounts/overdrafts for more information. calendar month. By main bank account we mean an account you
pay in your salary or other credits (min £750.00) and pay out at
Amount of Arranged Overdraft Arranged Overdraft least two different direct debits.
£0.00+ 0.000% per day (0.0% EAR* variable) Other fees for special services are detailed in the Reward
£501.00+ 0.111% per day (49.9% EAR* variable)
Payments and Account Fees leaflet, previously provided.
If switching to us, different rates and fees may apply.
We apply the daily interest rate shown above to your arranged overdraft balance at the end of the day
*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged
over the year based on how often and how much you are overdrawn by, and the effect of compounding it -
charging interest on interest already charged. This interest rate does not include any other fees and charges.

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.
Managing your account
Important information about compensation arrangements
Deposits held with us are covered by the Financial Services Compensation Scheme (FSCS). We will provide you with an
information sheet and exclusions list every year.
Useful numbers
For further information about the compensation provided by the FSCS, refer to the FSCS website at www.FSCS.org.uk
Halifax Bank Accounts
0345 720 3040
Keep it safe and secure International +44 1132 42 22 29

• Check your statements. If you see any transactions you’re not • Keep your card and PIN safe. Never give anyone else your Halifax Easycash and
aware of, ring the Bank Account or Savings and Investments card, PIN or password. If you think your card is missing or that Cardcash
number. Find these under the Useful numbers section on this someone knows your PIN or password, call 0800 015 1515
page.
0345 850 5525
immediately.
• Keep your bank statements in a safe place. Dispose of your • Protect yourself online. If you’re an online customer and a Halifax Credit Cards
paper statements safely by shredding and recycling them – don’t victim of online fraud, we guarantee that you won’t lose any
just put them in a bin. money from your account. We’ll always reimburse you in full.
0345 728 3848
Check our website for more information
www.halifax.co.uk/security Mortgages
0345 727 3747
Manage your money
Halifax Personal Loans
• Check your balance at home or abroad. Call our telephone • Use our online budget planner. It will help you to work out
banking service on 0345 720 3040 or visit
0345 724 3444
your monthly outgoings and manage your money. Visit
www.halifax.co.uk/online www.halifax.co.uk/managingyourmoney
Savings and Investments
• Avoid fees. Make sure you have enough money in your account • Transfer money quickly. You can make a same-day CHAPS
the day before money is due to come out. transfer in the UK as long as you have all the beneficiary 0345 726 3646
• Manage your standing orders.You can change the date, frequency account details and send the payment before 1.30pm. To send
and amount of your standing orders online or by ringing the Bank money outside the UK you can send a Telegraphic Transfer. Insurance
Account number. Most companies will also change the date of a Visit www.halifax.co.uk/bankaccounts/ 0345 723 3343
direct debit – just give them a call. receivingandsendingmoney.asp
• The Faster Payments Service is now available. For more • Interest-Free. Some accounts offer an Arranged Overdraft Halifax Share Dealing
information on this please visit subject to application and approval with an Interest-free 0345 722 5525
www.halifax.co.uk/fasterpayments overdraft facility. Please refer to the account terms and
conditions for more information. Lost/Stolen Cards
• Please Note. We can end or vary the terms of our current accounts and overdrafts (including any interest rates and charges) at any time
in the way set out in the Bank Account Terms and Conditions. We recommend that you continually assess whether an overdraft is the
0800 015 1515
most suitable form of borrowing for your current needs.
Travel money orders
Using your card to withdraw cash or make a payment in a currency other than pounds 0345 246 0006
• If you use your card to withdraw cash or make a payment in a For more information about
• If you’re planning to travel overseas, we advise you to take a currency other than pounds, the amount is converted to pounds
range of currency options including foreign currency as well as our online service, please visit
on the day it is processed by Visa using the Visa Payment Scheme
your debit and credit card. To help protect you from fraud we exchange rate on the day. You can find the exchange rate by www.halifax.co.uk/aboutonline
always monitor transactions. In some circumstances this might calling 0345 720 3040 (+44 1132 42 22 29 from overseas); If you call
mean we block your cash machine or card transactions in the before the transaction is processed, the rate provided will be an Calls may be recorded and
UK or a foreign country. If this happens, just call us on 0345 720
3040. We’ll ask you a few security questions and unblock your
indication only. You can find more information on our website monitored
about the exchange rates that apply to your transaction to help
card for you. you compare them with other card issuers' rates.
• If you use your savings card to withdraw cash in a currency • If you use your debit card to withdraw cash or to make a payment in a currency other than pounds we’ll charge a
other than pounds we’ll charge a foreign currency transaction foreign currency transaction fee of 2.99% of the value of each transaction. This is a fee for currency conversion.
fee of 2.99% of the value of each transaction. This is a fee for When you use your debit card to make a purchase or other transaction (not cash withdrawal) in a currency other
currency conversion. If you use your savings card to withdraw than pounds, whether in person or by internet or phone, we will also charge a £0.50p foreign currency purchase fee.
cash in a currency other than pounds (at a cash machine) we will We won’t charge a foreign currency purchase fee if you make a payment in euro within the EEA or UK. If you use
also charge a foreign currency cash fee of £1.50. Where you your debit card to withdraw cash in a currency other than pounds (at a cash machine or over the counter) we will
elect to allow the cash machine operator/financial service also charge a foreign currency cash fee of £1.50. Where you elect to allow the cash machine operator/financial
provider to make the conversion to pounds we will only charge service provider to make the conversion to pounds we will only charge a foreign cash fee of £1.50. The provider of
a foreign cash fee of £1.50. The provider of the foreign currency the foreign currency may make a seperate charge for conversion. We won’t charge a foreign currency cash fee or a
may make a separate charge for conversion. We won't charge a foreign cash fee if you withdraw euro within the EEA or UK.
foreign currency cash fee or a foreign cash fee if you withdraw
euro within the EEA or UK

Switching to us
Switching your main bank account to us is easy. Simply sign two forms and you’ll be introduced to one of our dedicated switching team who will be happy to help. They’ll transfer any
direct debits, standing orders and any credits to your new account. They’ll keep you updated every step of the way, and contact you as soon as the transfer is complete.

Important information about your account

If you have an Ultimate Reward Current Account, the insurance packages are monthly contracts and are provided as a benefit of you being an Ultimate Reward Current Account holder.
The cost is an inclusive part of your standard monthly maintaining the account fee. We recommend that you review the cover provided every year to ensure it continues to meet your
needs. Full details of the cover provided, including contact details, are contained in the Getting Started Guide provided to you at the start of your cover. If you or Halifax close your
account, or Halifax terminates the cover provided through the programme, cover will cease immediately unless you’re moving from one qualifying account to another. If you have lost
your Getting Started Guide, please go into your local branch where a colleague will order you a replacement. Alternatively contact us on 0345 720 3040 where you’ll be able to ask for a
further copy.
Halifax does not charge for providing the online banking facility. The cost of your online connection depends on your internet service provider.
If we have a valid reason, we can choose not to charge a fee you would otherwise have to pay.
If you do not wish to receive marketing mailings, please write to the Registered Office below.

Dispute Resolution
If you have a problem with your agreement, please try to resolve it with us in the first instance. If you are not happy with the way in which we handled your complaint or the result, you
may be able to complain to the Financial Ombudsman Service. If you do not take up your problem with us first you will not be entitled to complain to the Ombudsman. We can provide
details of how to contact the Ombudsman.

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 under registration number 169628. We adhere to The Standards of Lending Practice which are
monitored and enforced by the LSB: www.lendingstandardsboard.org.uk
Statement No. 6 Sort Code 27-18-27-30-17-77-49-18
30 April 2022 Account Number 16509562518600658
Page 3 of 4

Reward Current Account

Your Transactions
Date Pmnt Details Money Out (£) Money In (£) Balance (£)
Type
30 Mar 22 STATEMENT OPENING BALANCE 570.92 OD
31 Mar 22 CHG DAILY OD FEE 0.95 571.87 OD
01 Apr 22 CPT HFX HFX TOTTENHA CD 3917 01APR22 410.00 981.87 OD
01 Apr 22 DEB ASDA STORE 4515 CD 3917 17.59 999.46 OD
01 Apr 22 CHG DAILY OD FEE 1.66 1,001.12 OD
02 Apr 22 CHG DAILY OD FEE 1.66 1,002.78 OD
03 Apr 22 CHG DAILY OD FEE 1.66 1,004.44 OD
06 Apr 22 CHG DAILY OD FEE 04/04 1.66 1,006.10 OD
06 Apr 22 CHG DAILY OD FEE 05/04 1.66 1,007.76 OD
06 Apr 22 FPI OCEAN WAY HOSPITAL BAKER F038 947.48 60.28 OD
40142604459032000N
22 Apr 22 DEB BD.UNIRII NR.30 CD 3917 18APR22 238.04 298.32 OD
22 Apr 22 DEB FOREIGN CASH FEE CD 3917 18APR22 1.50 299.82 OD
27 Apr 22 FPI ONANIE AG AUREL 25APR22 170.00 129.82 OD
RP4679960288140300
27 Apr 22 DEB B-dul Republicii n RO 200.00 VISAXR 36.32 166.14 OD
5.50661 CD 3917 25APR22
27 Apr 22 DEB NON-GBP TRANS FEE 2.99% CD 3917 25APR22 1.08 167.22 OD
27 Apr 22 DEB NON-GBP CASH FEE CD 3917 25APR22 1.50 168.72 OD
27 Apr 22 DEB B-dul Republicii n RO 900.00 VISAXR 163.46 332.18 OD
5.50593 CD 3917 25APR22
27 Apr 22 DEB NON-GBP TRANS FEE 2.99% CD 3917 25APR22 4.88 337.06 OD
27 Apr 22 DEB NON-GBP CASH FEE CD 3917 25APR22 1.50 338.56 OD
27 Apr 22 DEB B-dul Republicii n RO 900.00 VISAXR 163.46 502.02 OD
5.50593 CD 3917 25APR22
27 Apr 22 DEB NON-GBP TRANS FEE 2.99% CD 3917 25APR22 4.88 506.90 OD
27 Apr 22 DEB NON-GBP CASH FEE CD 3917 25APR22 1.50 508.40 OD
28 Apr 22 DEB KAUFLAND 8200 BAIA RO 46.54 VISAXR 8.43 516.83 OD
5.52076 CD 3917
28 Apr 22 DEB NON-GBP TRANS FEE 2.99% CD 3917 0.25 517.08 OD
28 Apr 22 DEB NON-GBP PURCH FEE CD 3917 0.50 517.58 OD
28 Apr 22 CHG DAILY OD INT 0.01 517.59 OD
29 Apr 22 DEB KAUFLAND 1500 BAIA RO 83.88 VISAXR 15.15 532.74 OD
5.53663 CD 3917
29 Apr 22 DEB NON-GBP TRANS FEE 2.99% CD 3917 0.45 533.19 OD
29 Apr 22 DEB NON-GBP PURCH FEE CD 3917 0.50 533.69 OD
29 Apr 22 CHG DAILY OD INT 0.03 533.72 OD
30 Apr 22 CHG DAILY OD INT 0.03 533.75 OD
30 Apr 22 STATEMENT CLOSING BALANCE 1,080.31 1,117.48 533.75 OD
Payment types:
CHG - Charge CPT - Cashpoint DEB - Debit Card 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. 6 Sort Code 27-18-27-30-17-77-49-18
30 April 2022 Account Number 16509562518600658
Page 4 of 4

Reward Current Account

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.
Ways to manage your arranged overdraft.
No matter what current account you have, we have several features to help you manage your money.
Mobile and Internet Banking - You can access Internet and mobile banking 24 hours a day 7 days a week. By making use of Internet
Banking you can track your money, make payments and transfers and see your statements.
Alerts - We can also send you mobile alerts. Alerts can help you 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.
To find out more visit www.halifax.co.uk/alerts
Calculating the cost - If you have an arranged overdraft with us, would like to increase the limit on an existing one, or are thinking
of applying for an arranged overdraft, you can calculate the cost using our cost calculator tool at www.halifax.co.uk/overdrafts
You can also find general information about the cost of arranged overdrafts at www.halifax.co.uk/overdrafts
Keeping track of your borrowing - An overdraft is there to help out when you need to borrow in the short term. But if you use it
often and don’t reduce your balance, you could pay more in charges than other forms of borrowing.
You should consider if an arranged overdraft facility is the most suitable option for you to borrow money. If you would like to
discuss potential alternative options that we may be able to provide please contact us on 0345 720 3040. You can see our range of
borrowing options at www.halifax.co.uk/borrow
You should also consider whether your account type is still right for you.

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.