Halifax.co.uk is clearly the webiste for the building society I'm sure we all know. I was given access to Halifax's online banking system when I opened my account at the branch 2 years ago. The process was simple, the advisor logged onto the website and the toughest part of signup is thinking of a unique password, mixing numbers and letters is important for maximum security. When you try to login to the online banking section, you are taken to the secure area of the website where all details are encrypted to prevent fraud and snooping from undesirables. The username was provided to me as it is a unique number as opposed to say your email address or something else you choose. This creates a little more anonymity and makes it hard to associate your other passwords with this account to stop people guessing. I think that the security here is not enough though. No matter how secure your password is, that is the only barrier between your money and the internet. I would much prefer a two stage verification process either by using a key fob which generates codes you should enter alongside your password, or by sending a time sensitive code to your mobile phone, again to verify it is you trying to access the account. Once logged in, the layout of the website is clear and straightforward. It is easy to view your accounts and manage them in the browser, I found it a simple process to create standing orders and transfer money to other accounts, which would then be completed instantaneously regardless of the time of the day. When not logged in, the website contains all the information you would need to research Halifax's range of finance products. In fact when in branch, I am usually told to refer to the website for both the latest product and offers and also that the terms and conditions can be found and printed off from there. Halifax.co.uk also offer online online accounts that usually provide the same benefits as the regular branch accounts and on top of that you can expect them to offer better interest rates becuase they take out the need for sales people working in a actual branch. A welcome bonus if you are comfortable to keep it all online. In all, Halifax.co.uk is a very useful website, it has the most up to date infomation available and for those with online banking it is easy to use. I would prefer to have a two stage verification log in process for better security though and because I feel this is a major point, I drop its overall rating to reflect this.
This is a review on the Halifax.co.uk site and not Halifax plc. I first started banking with Halifax about 8 years ago. At the time I had always done telephone banking with my previous bank, but had never been given the option to do my dealings online. As times were changing and more and more was being done on the internet I thought it was a good idea to set up online banking. It was just a case of signing up online, and then you were sent an online pin. This allowed you to complete the online registration, and off you went. I chose a username and password, and you also have a security name to type in. Recently however I have had information, when I log in, to let me know that there will be an additional question to answer over the coming months, to add security. This can only be a good thing. Inside the account you can do pretty well evrything. I can view my mortage account. My 2 current accounts. I can transfer money instantly to other banks, and I can see my last 12 months statements. I opted electronic statements rather than paper ones, and although there was a computer glitch their side that caused a problem initially, it was then sorted and everything works fine now. I always send a screen shot of my statement to another secure site, so I have all my past statements, in the knowledge that Halifax delete theirs after 12 months. So what else can you do on the Halifax.co.uk. Well obviously a lot more than just online banking. You can apply for loans and credit cards.You can also view all their savings and mortgage rates, in the knowledge that all the information is upto date. They also have all their share dealing information there too. I have always found in the past when speaking to one of their advisors that I get information overload. Not so anymore. When I speak to them over the phone, I have the figures and accounts in front of me. I often look through the information and then call them back. I have never had a problem with security on my account, so from my experience I can only say that I find it very safe. My parents wont use the online facility, but they weren't brought up with it. I have been, so I have no problem with it. My wife finds it good too, and never had any issues. Recommended!! Copyright stebiz 2010 - Also on Ciao.co.uk and other sites
Halifax online is an excellent site in my opinion. I recently signed up for the Reward current account which gives you £5 per month as long as you pay in £1000 per month. Importantly this can come from any source, it does not need to be your salary, and it does not need to stay in for any length of time either. Tip: Pay £1000 from another account if you want to and set up your biggest direct debit payments from the Halifax then it`s job done. I have digressed slightly as this review is about the on-line service. To get on-line you must first open any account and deposit £100 at a local branch of Halifax or Bank of Scotland (both companies are merged and are owned by LLoyds TSB). When you`ve done that they will issue you with a user name of your own choice and a temporary password. As soon as you log in it will ask you for this and then get you to provide several pieces of memorable information. At this point its wise to change your pass-word to something easier for you to remember. Why I like this system is because it gives you an extra security process which gives you a little more safety. When on-line its easy to set up direct debits, standing orders or regular payments. Another feature is that it shows details of any other Halifax accounts you may have. For example I have 2 mortgages and they both show on-line so you can see at an instant your repayment history. All in all an excellent site in my opinion. One word of caution, if you open a Halifax reward account, don`t be tempted to upgrade it as they hit you with silly costs for useless benefits. AND DO NOT GO OVER-DRAWN AS THE CHARGES ARE RIDICULOUS.
I'm a bit muddled financially - I'm not the sort of person that keeps statements lying around the house, and I tend to lose track of ym direct debits and standing orders, sometimes not leaving enough money in my account to cover them and then having to pay a charge . Now, I hate paying the charges, but thats another review - this one's just about the Halifax online banking, located at www.halifax.co.uk. I've been using the Halifax online banking for two years , and signing up was fairly simple - I signed up on line, creating a username, giving them my account number, and answering 5 security questions . A password was then sent to me by post, which I could then change to anything I wanted . I liked this touch - as it meant that no one could successfully sign up in my name without having access to my house to obtain that initial password . I liked the 5 security questions they ask - because in addition to your user name and password, when you sign in you'llhave to answer one of these each time , and they rotate . One day it might ask you for your mothers maiden name, the next for the name of your first school, or your dads first name etc . I like this, as I feel it adds another little layer of security. Security can be a worry when banking online - so many people share computers, or perhaps access them at work, and in addition there are many phishing scams operating by email that lead you to a false login page and get your details from you that way. So , it's nice to know that the halifax gaurantee that any customer who is the victim of online fraud will not lose any money as a result, and will be fully reimbursed any money . It's a nice gaurantee, but I still recommend if you ever DO get an email looking as though it's from the Halifax, that you don't click any links in the email, and instead go directly to the website . Funnily enough, Halifax is the only bank I bank with, and also the only one I've never recieved a phishing scam in its name . So, what can you do on the site ? Well, it's all very clearly laid out and easy to see where the different aspects you might need are located . You can apply here for loans, upgrade your account, set up, cancel, or amend standing orders, direct debits, and money transfers . You can also report missing or stolen cards here, view your statement, or request your statements to be sent to you by email rather than by post . I've used this often to check my bank statement, and find the information it usually up to date, although sometimes by account balance and amount available to withdraw differ , which can be a bit baffling. This is usually due to a direct debit or standing order going out but not having been put onto my statement yet, so it does seem as though this element of the site is not always up to the minute . It's a small niggle, but nothing major. The statements are just as detailed as they are in the post - telling you exactly when and where you withdrew your money, who's been paying in what, and who has been taking stuff out. I've also used this to cancel standing orders, or to amend the dates for them, and again, I've found this very easy to do, and it's much nicer than contacting the companies individually over the phone to try and do this . I recently had to cancel several charity standing orders due to a change in my financial circumstances, and it was nice doing it over the internet rather than over the phone with some sweet young girl making me feel guilty , or trying to get me to set up smaller standing orders, as happened the one time I did cancel one over the phone . Overall, I'm pretty happy with the site . It's nothing fancy, but it does the things I need it for, and saves me walking to the branch or spending money on a phone call . There is no charge for internet banking, so it's a good free service and I really can't complain . Definitely recommended if you are a Halifax customer and could do with having your account information at your fingertips but don't want bank statements lying around the house!
I started using online banking as soon as I signed up to my Halifax Visa debit card and since then I haven't stopped using it. It is so useful and makes life so much easier as you can check your bank balance whilst at home and even pay bills over the internet. Joining isn't too hard; all you have to do is fill in some details and they send you a letter in the post with a activation code on it which then, when entered on your account, gets you officially up and running. The only thing is, is that everytime you log into the website you have to remember your username which you don't have much control over. Its usually your first followed by the first letter of your second name and then a long number code. This can get quite frustrating as you normally have to keep getting Halifax to send you an email with your username in it. Also, for some reason it isn't saved in your cookies either so you have to remember it somehow. Overall, I think Halifax Online Banking is a great way to keep up to date with what is happening in your bank account.
If you've read my review on Halifax then you'll know I'm not that keen on them as a bank. HOwever they seem to have got one thing right and that would be with their website. Its very simple to navigate around and to set up your account online. All you need to do is click register and then follow the step by step instructions and answer the questions. Once registered if you open any other bank accounts with Halifax they'll be automatically added onto your online account. On here you can set up your direct debits and cancel any you need to. You can even transfer money in a second to either any other accounts you may have or other peoples! When you click on each account it will show you what money has gone in and out of your account and if you used your card what it was for. This is really helpful as it means you can keep an eye on your account so you know if anybodys been using your card without having to wait for a statement! You can also have the letters/statements banks would post to you sent to your online account this is helpful as it means you have an online record of everything you have been sent from the bank rather then having to keep hundreds of bits of paper! I have to admit with this website and how quick and easy it is to use Halifax got it spot on!
Im not really into all the different banks with their interest charges etc, i just have 2 current accounts with halifax that i use for money to deposit into and to pay bills etc. I joined online banking when it first came out, it was really quick and easy to join i just had to fill in a few details then wait for the forms to come through the post with activation password etc. I have never looked back since then and i use this pretty much everyday if not most days. Its really easy to sign in you just have to remember the really long code number which is around 12-16 digits long but if you use it as much as me its not a problem. This makes it really easy to transfer money into other accounts and also to pay bills etc online. Statements are also available online. Its a quick and easy way to keep tabs on whats happening in your bank account. And i would recommend aso long as you have protection on your computer.
This is a brief review of Halifax online and not the Halifax bank, therefore I won't write two or three paragraphs complaining about their irritating TV advertisements or their rip-off current and savings accounts. Previous reviews about Halifax.co.uk have been about share dealing. This is not about share dealing. I am writing this review about using the website and as someone who has a current account online. ~~ How to register ~~ You'll actually need to have a bank account with the Halifax before you can access any account online. Registering for online banking is quite easy and shouldn't take more than a few minutes. You'll need to have handy your name, address and details of one of your Halifax accounts such as the roll number or account number and sort code. The home page of halifax.co.uk is a bit messy with to many adverts and too much information, but you will find a link to the registration area in a light blue box towards the top right hand side of the page, this is where you also log in to your account. It's then simply a matter of following the simple instructions. ~~ Accounts Page ~~ Once you're past the home page and are into to the log in area or your accounts page, you'll find the site a lot more clearer. This part of the site website seems a well designed and efficient means of banking online. On the whole the site is well laid out and it's easy to get around. The links and titles are in an easy to read font size or have background shading to make them stand out on the page. After you've logged in will find yourself visiting your 'my accounts' page with a list of links down the middle of the page to all the accounts you have with the bank. These might be your current accounts, savings, ISAs or credit cards etc. If you click through to the page of your current account you will be able to manage most aspects of your account from a menu of links down the left hand side of the page. From here you will be able to transfer money or pay bills, manage your direct debits or standing orders, order holiday money (not recommended because you will never get a good rate), and to access any stored documents you may have archived. ~~ Managing Your Account ~~ Transferring money to another bank account is a fairly simple and quick process. There is a link to this area in the left menu of your current account page called 'transfer money/pay bills'. To transfer money you will have to create a new transfer account by entering the name of the person or organization you want to transfer to along with their bank account number and sort code. This information is then stored and all future transfers will only require three or four clicks. ~~ Electronic Statements ~~ With an online current account you will be able to receive electronic statements which can be stored in an archive for up to two years on the site. This has both a positive side and a negative side. It conveniently eliminates the need for paper statements that tend to get mislaid or simply clog up drawers. However, you will no longer have any paper statements with your name and address on that are sometimes required to prove your identity when joining libraries or opening new bank accounts etc. This has been a problematic issue for me on more than one occasion now that I do nearly everything online such as banking and managing household bills. Simply printing statements from your online account is often unacceptable as they are so easy to forge. ~~ Security Issues ~~ Although I have had a Halifax bank account for over 15 years and have been banking on line for about three or four years, with all the scare stories about identity theft I have never felt wholly confident in managing my finances online. At present I bank online with three or four different banks and I would say that out of all of them the Halifax appears to be the easiest to hack into. This is because the security barriers are weak, All you need to log into your account are a username, a password of at least 6 alphanumeric digits and a one word answer to a security question. All these are typed in which means that they are susceptible to a key logger Trojan (or whatever they're called). Other bank websites rely on drop down menus for password entry which I feel is a far more secure method. Obviously all banks use powerful encryption keys to secure online transactions but these are rather pointless if the method of password entry for front end users is weak. The point is, you need very little information to get into someone's account. In terms of security, and from my experience only, Nationwide and Barclay's seem to have far more secure online operations. Perhaps all these banks are equally secure, as a customer I feel less secure using the Halifax system. ~~ Customer Service ~~ One thing I really hate about the site and which is really a fault of the bank, is that you cannot communicate to anyone by email regarding an account query. Instead you have to go through the rigmarole of phoning an 0845 number (which they make a profit from) and having to weight a considerable period before you actually make contact with an incompetent human being. These bank spend millions of pounds on television advertisement campaigns but they can't be bothered employing people to answer your emails. So as far as online banking goes, there is no customer service. ~~ Conclusion ~~ It's a difficult decision as to whether to recommend halifax.co.uk. It is easy to use and quite well designed compared to other online banking websites that I've come across, but these other online bank accounts, even if they are a little more complicated and time consuming to use, are more secure and are therefore a better option for peace of mind. If you also take into consideration the poor customer service I couldn't possibly allocate more than two stars to halifax.co.uk.
Now, most of us know what has happened to the stock market over the last few years. The FTSE has dropped over 40% from its peak, life assurance companies are failing to pay out promised returns on endowments and pensions and people are running a mile from investing their money anywhere that has a perceived risk. This probably means that NOW is the time to start ploughing your money in. Last time war started against Iraq, the stock market rose. Last time markets dropped by over a third, they bounced back strongly with sustained growth over many years. Investing in peoples' business acumen has a proven track record of giving higher long term returns that sticking your money in the post office. While there are no guarantees, investing in stocks and shares can make you wealthy and be bloody good fun along the way. In my case, I throw £20 a month in savings, £100 a quarter in expenses and earning from yougov.co.uk, ciao and dooyoo in to stocks and shares, along with any overtime I can occasionally call on! This is not a lot of money to invest. It all comes from little extra bits of money that I would not normally have. In other words, I have nothing to lose and don't miss the money. This is where the Halifax Sharedealing service comes in. A low cost, online way to buy and sell shares which works brilliantly for me and allows me to keep track of how well, or badly, my shares are doing in real time. OPENING AN ACCOUNT Well, if you are already a Halifax online customer, go to Halifax-online.co.uk and register for sharebuying. If you are a non-customer, go to the same site. The registration process is the same, but you will have to wait for an access code to be sent before using the service. FUNDING YOUR SHAREBUYING: You can set up a regular direct debit, a one-off funding arrangement, use of your credit limit, a switch/delta payment to pay for share purchase. It is simple. The only frustrating thing for me is th at one off transfers from Halifax accounts are not instant and usually take 24 hours. Additionally, they cannot be collected from the excellent WebSaver account that currently pays over 4% interest. BUYING SHARES When you are accepted for an account, you will be allocated a credit limit for buying shares with. You can only buy shares after you have returned a direct debit mandate, as the cost of any purchase will be direct debited to your account. There are two ways of buying. The quickest way is Real Time. In other words, you key in the share you want, how much you want to invest, and the site gives you a quote, including dealing charge (from as little as £10 a deal). If you want to go ahead, you click accordingly and the shares are yours. Next day the money disappears from your account! My preferred way is using the Sharebuilder option. The advantage of this scheme is that it only costs £1.50 a deal, regardless of the size of your investment. For a modest saver like me, this is a godsend! There is, however, a minor catch. The shares you select are bought on a date selected by the Halifax between 1 and 7 days in the future. In other words, if the price should rise between now and the pre-determined date, you will pay the higher price. This does work both ways, so if the price drops, you benefit! As I simply do not have the skill or expertise to determine the perfect timing, I usually settle for the £1.50 option! Additionally, the Sharebuilder option allows you to purchase a fixed amount of a companys share on the same date each month until you tell them otherwise. So, for example, if you wanted to buy £50 a month of Marconi shares (as someone not a million miles away did) you just give the instruction! If you forget to fund your account, they email to say that no shares were bought and you are not charged! After each purchase, I get an email confirm ing the deal. With many experts recommending that you invest little and often in the stock market, this provides an excellent route to achieving just that. And rather than relying on fund managers, you get the buzz of selecting where your money goes. SELLING YOUR SHARES Firstly, you should understand that the more times you buy and sell a share, the higher your costs. Shares should be seen as a long term investment, so buying £50 of Abbey National shares at £4.85 a share will get you 10 shares worth £48.50, after the £1.50 buying cost. If the price goes up to £5 a share, you now have £50 of shares. Cash in your profit by selling (minimum fee £5) and you will only get £45 back. The only way of selling on this service is real time. You get a quote of the value of your trade and if you click on the appropriate button the deal is done, with fee deducted automatically as quoted. You can then decide where you want the proceeds to be invested next or, if necessary, take the cash! INSIDER KNOWLEDGE: This is an execution only service. In other words, you get no advice from professional investors. It is your call where your money goes and any gains or losses are your responsibility. Still, I bet you think you can do better than your endowment company?s fund manager! That said, the site offers excellent access to recent company information, provides graphs on past performance of an individual share and also compares it to the sector average. In other words, you can compare Abbey National to the performance of other bank shares and see how poorly the company has performed in the last 12 months. You are also liable for Capital Gains Tax if you make large gains (unlikely for my size of investment though). OTHER INFO Dividends on shares under the Sharebuilder scheme are automatically reinvested in more shares in the same company. This is done to keep the costs of the scheme down an d to avoid posting out cheques for dividends for silly amounts like 35p! Where the shares were bought real time, you can opt for dividends to be paid or reinvested. You can check a fully dealing statement online at any time, and also get a current valuation for your portfolio, which will change by the minute as the market moves. Frustratingly, the site is closed between 10pm and 8am. I have no idea why, but it means I cannot check things before I go to work, and this is perhaps my only downer on what is an excellent service. Over the past 8 months, I have invested £1400 that is now worth £1250. This actually is better than the market average, so I should obviously be an overpaid city wide boy earning a Porsche a week in bonus. My investments have been in the following companies for the following reasons. Remember, I am NOT suggesting you should follow suit! Marconi (bought at 4p as I thought they had done so badly they were bound to go up ? they collapsed to 1.25p a week later, loss of 68%) Vodaphone (bought at 102p as I thought at least one established telecom company will come through the slump, current price 115p, profit of 13%) Manchester Utd (bought at 105p, as I thought the long term potential of the international brand, including cable tv rights, would lead to sustained growth, current price 117p, profit 11%) Torex (bought at 550p, as they sponsor my sons team, Oldham Athletic. Current price 375p, loss 32%) MyTravel (bought at 120p, as the travel market was bound to improve as we move away from 9/11. Current price 20p, loss 83%) Safeway (bought at 220p, as I considered them good potential for takeover. Piled quite a bit in and sold at 295p, profit 34%, avoiding the potential for Monopolies Commission involvement in the industry) Woolworth (bought at 35p, as a good takeover possibility. Current price 30p, loss 14%). Egg (bought at 130p as a likel y success story for an internet only bank. Current price 100p, loss 23%) As you can see, there are some dramatic losses within individual companies, and my Safeway i nvestment pulled me out of a hole. I have also avoided investing in my own employer, as they would then control my salary, pension, share options and savings! As none of my holdings are substantial, I have made a decision to continue building up the investments in the companies above, and not expand the portfolio any wider. This means that when I do eventually sell, I hope to have at least £500 holdings in each, which makes the cost of selling much lower as a percentage of the total transaction. The service provided is excellent. The money I have lost to date does not really matter as I would have spent a lot more pursuing any other hobby. And I still have hope that I will more than earn my losses back as the market (hopefully) picks up. The surge of frustration as MyTravel lost me a small fortune, compared to the feeling of smug joy as Morrisons bid for Safeway (told you so Dad!) and I recouped most of my earlier losses. And what money have I lost? Dooyoo, Yougov and Ciao money I never previously had. Overtime money that I would have frittered away on nothing in the dim and distant past. And £20 a month that I would have spent watching my beloved Stockport play appallingly. And I can still look for BIG gains in the future! Halifax Sharebuilder is a winner for me!
Halifax have now added a new option to their online sharedealing service, "Sharebuilder". OK, you have decided you want to be rich and you think shares are the way to get there. Many analysts suggest you should currently invest little and often to get the best out of the current bull market! Well, a good starting point is Halifax's online share dealing service, incorporating Sharebuilder! Registration is simple via the Halifax.co.uk website, and within a week your "PRN" code (Personal Registration Number) will allow you to start dealing. The nice people gave me an immediate £10,000 dealing limit, although remember, you have to settle within 3 working days! The site itself is easy to navigate, and is packed with information, including graphs that will plot any named share's performance against either it's market sector or the FTSE100. There is no advice service - you are totally responsible for the decisions you make and the outcome of your investments, which adds to the fun. There are two ways to buy shares - the instant "real time" option, which guarantees you a price there and then with commission costing £10 or more, or via the Sharebuilder. Sharebuilder is ideal for poor people like me. You fund your Sharebuilder account with £20 a month or more by direct debit. You can also make additional one-off deposits as and when you like. You nominate what shares you want to buy and on what date - although only one day per week can be selected. These deals cost only £1.50 each! This is over 90% cheaper than a typical deal at Nat West, the only draw back being you have to take the price offered. You can, however, change your mind prior to the purchase being made. The idea is that over time, you can build your portfolio of shares cheaply and easily. I would, however, suggest that to keep future costs down focus on a small number of sha res over a long period - and do not blame me if the price goes down after you buy! Selling is "real time" only - if you like the price offered you have 15 seconds to strike a deal. If not, you can refuse to sell. Sale proceeds appear within 3 working days. Dividends paid on investments made via the Sharebuilder option are used to purchase new shares in the same company, so you do not get cash you get more shares. Because the shares are held in a "nominee" account, it is possible to hold a fraction of a share too! So far, my investemnt choices have been poor - I lost 75% of value in my little Marconi flutter, and 25% of value in a firm called Torex. I got most of this money back from a little rally in Vodaphone and Safeway, but the point has to be made - shares should be a good long term investment, but if you pick the wrong shares you can lose EVERYTHING! For the inexperienced investor with little to invest, Sharebuilder is an excellent starting point with low costs and an easy to use site. For the experienced investor, a mix of Sharebuilder and the real-time options is ideal. Great service, competitively priced. For me, it's a hobby. Young kids tie you to the house a lot, so I do not get out to the football as much as I used to. £50 a month is my "stake" together with any gifts or bonuses from work. It's a good hobby, because unlike most you actually have a chance of showing a profit! Just one note of caution, do not over-trade. There is little point buying up 10 different shares with £50 investments - selling costs will outweigh initial gains quickly. And don't over-trade. Buying and selling quickly is for the experts. Investing little and often is a great place to start! Happy share buying!!
I have a bank account with Halifax and really don't use them much now as there interest rate isn't great compared to others. But when I got an email from them (I check my bank account through there website) I saw they did share dealing so I thought I would check it out. First I wanted to know the price...I hate buying shares and finding it takes 2 years just to break even. After all I bought shares from Natwest and it set me back £27 just to buy them. So I thought to myself...if there charges are high just forget it...shares aren't for you. But when I saw that if you purchase shares and they are below £1000 in total...it only sets you back £15. Then if you want to go higher...the charges are still low compared to other banks. I did it through the net. I got the code of the company I wanted...typed it in and it bought up the company. Then asked how many I wanted and it gave me the total price and 10seconds to place the bid. They are bought instantly but it takes 3 days before you get paperwork through the post. Oh...you need to register first with them. So you will need a halifax account. They send you a pack and you fill in your bank details and sign and they send you back an activation code about...5 days later. But overall very simple and quick and whats most important is that its cheap. Alex
I have been a member of Halifax's ShareXpress for nearly a year now! I joined just after my 18th birthday as i will too young to join before! To Trade I have to phone and tell them the stock i wished to buy and i was changed £15 commission for the deal. I did feel this was expensive, as i had to wait about 15 minutes until a operator was free to take my call which cost me around £8 as it was an 09 number. But I didnt complain as i was lucky and my stocks shot up! After a while ShareXpress started an online dealing service I feel this is great, now i can buy and sell shares without waiting a long time and at a lower commission of £12.50 for using this service it can only be great! I would Recommend this service to everyone as it has improved for the better! Regards Craig
I signed up with Halifax in February. My main reasons for choosing them were: 1> lower dealing costs than most (£12.50 for trades under £2500) 2> no monthly/ yearly managment charges 3> Live dealing All in all it works quite well, you have to go through about 6 pages to get a live price for a share ( after specifing co. name, qty etc. and then you have 15 seconds to confirm. The speed of the site has improved alot in recent months but it can still be tardy first thing on Mondays A couple of months ago the site was completely down for a couple of days, that was bad enough but obviously this then overloaded the telephone service which effectivly meant not being able to deal ( they hold your stocks in a nominee account ). Plenty of apologies followed and they seem to have got their act together. A few changes are planned soon including being able to use EPIC symbols and cutting down the navigating required.