Halifax to be rebranded as Lloyds by banking group

Lloyds Banking Group will rebrand Halifax as Lloyds. Bank of Scotland will remain the group's lead retail banking brand in Scotland.

Existing Halifax customers will begin moving to the Lloyds app in the coming months, while their accounts and branches are rebranded over time. Halifax will stop opening new accounts as part of the change.

The move makes Lloyds the main retail banking brand for the group's customers in England, Wales and Northern Ireland. In Scotland, the Bank of Scotland will continue to serve customers under its existing brand.

Customers do not need to take any immediate action. Account numbers and sort codes will stay the same, branch and call centre staff will continue to provide support, and Financial Services Compensation Scheme protection will not change.

Halifax branches will either be renamed Lloyds or, where another branch is nearby, customers will be directed to an existing Lloyds branch in the same community. There are no changes to previously announced branch plans and no role reductions linked to the decision.

Brand shift

Halifax and Bank of Scotland have been part of Lloyds Banking Group since 2009. Customers of all its brands have been able to use branches across the network since early 2025, while account management has already been combined through a single app or phone service.

As a result, some Halifax customers already use the Lloyds app, and staff in Halifax and Lloyds branches already serve customers from both brands. The rebrand formalises changes already reflected in day-to-day banking operations.

Under the revised structure, Halifax mortgage products will remain available through intermediaries until 2027, when Halifax Intermediaries will also become Lloyds Intermediaries. Halifax customers who move to Lloyds systems will also be able to access Lloyds products for renewals, upgrades or downgrades without changing their sort code or account number.

The group is also using the rebrand to steer more customers towards products marketed under the Lloyds name, including Club Lloyds, Lloyds Premier and Lloyds Rewards. The Lloyds app offers additional features beyond those currently available through Halifax, including an AI financial coach and more personalisation options.

For customers, the practical message is continuity. Money will remain where it is, and any request to move funds or share security details in connection with the transition should be treated as a scam.

Halifax base

Lloyds Banking Group said its presence in Halifax, West Yorkshire, would remain unchanged despite the retirement of the Halifax retail banking brand. It pointed to a £116 million investment in its Trinity Road office in the town centre and said the 3,000 staff based there would continue to play a key role in the group.

The decision comes as large UK banks continue to simplify brand portfolios and concentrate investment in a smaller number of consumer propositions. For Lloyds, the shift consolidates retail banking activity across most of the UK under a single flagship name while preserving a separate identity in Scotland.

Jas Singh, Chief Executive Officer, Consumer Relationships, said Lloyds customers were already benefiting from investment in products and services that would now be extended to Halifax customers.

"As Halifax changes to Lloyds, our Halifax customers will keep everything they know and love today - the same fantastic app design, the same friendly faces in our branches - even the same sort code and account number. But as Lloyds customers, they'll get the best innovation and experiences we offer. Our Lloyds customers are already benefiting from a significant investment into propositions like Club Lloyds, Lloyds Premier, Lloyds Ultra and Lloyds Rewards - and now we're really excited that Halifax customers can bank on Lloyds for more," said Jas Singh, chief executive officer, consumer relationships, Lloyds Banking Group.