Dire. Cannot transfer app to new phone. Their system fails to recognise my account (with help from branch staff). Resetting passwords… Halifax’s policy is to “use a simple Memorable password” or write down a keychain generated complex Password on a piece of paper so you can manually enter it into the verification field! Call system takes 20 minutes to get hold of anyone, and the automated system that precedes it tells you that if you have a problem with online banking you have to log onto online banking to fix it. I have to wait 7 days for a code before I can try to access my online banking. 7 days of zero access to my own bank account records!