Yes Halifax is a UK bank, that'll be it. They're utter shite not surprised at this.

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So your saying there is a uk bank that isn’t shit. Unlikely but thought I’d ask

They're all shit, they're banks, just a matter of finding the least shit one.

I've found the "challenger banks" like Monzo and Starling are best of the bunch.

Customer surveys seem to agree too.

There's different shades of shit.