Our Retail division is a leading provider of current accounts, savings, loans, mortgages, and insurance.

We have one guiding focus – to be the best bank for customers by improving customer service and earning trust and loyalty from making customers central to everything we do.  With our strong stable of brands like Lloyds Bank, Halifax, and Bank of Scotland our Retail division serves millions of customers through one of the largest branch and fee free ATM networks in the UK, and a comprehensive digital, telephony and mobile service.

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Meeting the broad and varied financial needs of customers requires a comprehensive product range – our Retail division offers that. This includes a range of current accounts, from packaged accounts to basic banking accounts.


For those seeking to borrow, our Retail division is the largest provider of personal loans in the UK and we provide more than one in five new residential mortgages in the UK. In 2015 we provided over 75k mortgages to help first time buyers, making us one of the leading UK mortgage lenders. Your Mortgage Awards have voted Halifax the best overall lender for 14 years in a row. Our Retail Division also distributes our credit cards offerings.

For customers looking to save, we are the largest private sector savings provider in the UK. Customers can also find the general insurance and bancassurance products in our branches and/or on-line; developed in our Insurance division, and distributed through our Retail and Digital  teams, customers are offered access to   long-term savings, investment and general insurance products.