哈利法克斯儲蓄帳戶客戶在開設錯誤帳戶後面臨罰款

哈利法克斯已對其一個儲蓄帳戶發出警告，因為客戶可能會面臨罰款。一位客戶在開設固定儲蓄帳戶後聯繫了銀行，該帳戶提供一年期 3.75% 的利率。

A Halifax customer has been warned they may face penalty charges after opening the wrong savings account and wanting to close it early.

哈利法克斯的一名客戶已被警告，他們在開設錯誤的儲蓄帳戶並希望提前關閉該帳戶後可能會面臨罰款。

The customer contacted Halifax after opening a Fixed Saver account, which offers a 3.75 percent interest rate for a one-year term. The account requires a minimum deposit of £500 within 10 days of opening, and any number of deposits are allowed within this period. The customer no longer wanted the account, inquiring: "Can I close it online via the app? Only just opened it, it's the wrong one I've opened and put some money in it."

該客戶在開設固定儲蓄帳戶後聯繫了哈利法克斯，該帳戶提供一年期 3.75% 的利率。該帳戶要求在開立10天內存入最低500英鎊，在此期間允許任意數量的存款。客戶不再想要該帳戶，詢問：“我可以通過應用程式在線關閉它嗎？才剛剛打開它，我開錯了，還往裡面存了一些錢。”

Halifax replied to explain that there may be some extra charges involved: "This would need to be closed in branch as early closure would mean you would pay an interest penalty."

哈利法克斯回覆解釋說，可能會涉及一些額外費用：“這需要在分行關閉，因為提前關閉意味著你將支付利息罰款。”

The saver was alarmed to be told they may have to pay the penalty charge, questioning: "What is that? I've only put [in] £400." They further asked: "How much would I have to pay? It's a error accidently made opening wrong account up, why do I need to pay a penalty?"

儲戶得知自己可能需要支付罰款時感到震驚，並問道：“那是什麼？我只存了 400 英鎊。”他們進一步問道：“我需要支付多少錢？這是一個不小心開錯帳戶的錯誤，為什麼我需要支付罰款？”

Halifax clarified that since it's a one-year term account, the charge would be equivalent to 90 days' interest.

哈利法克斯澄清說，由於它是一年期帳戶，因此費用相當於 90 天的利息。

According to Halifax's rules, early closure of a fixed rate account results in a charge of 90 days' gross interest for a one-year term, 180 days' for a two-year term, and 365 days' for a five-year term.

根據哈利法克斯的規定，提前關閉固定利率帳戶將導致一年期收取 90 天的總利息，兩年期收取 180 天的總利息，五年期收取 365 天的總利息。

The customer was irritated to be facing the extra bill for their mistake of opening the wrong account, remarking that they were being "punished for opening wrong account" and that they hoped to avoid paying the charges when they sorted out the issue in the branch.

該客戶對因開錯帳戶而面臨額外賬單感到惱火，稱自己“因開錯帳戶而受到懲罰”，希望在分行解決問題時避免支付費用。

Halifax then offered a reassuring update: "Apologies for any confusion. There is a cancellation period of 14 days. Customers are entitled to change their mind without financial loss, so any early closure loss of interest will need to be refunded to customer."

哈利法克斯隨後提供了令人放心的更新：「對於任何混亂，我們深表歉意。取消期限為14 天。客戶有權改變主意，而不會造成經濟損失，因此任何提前關閉的利息損失都需要退還給客戶。

The customer then queried if there was any way to close the account online as their nearest branch was a a long way from them.

客戶隨後詢問是否有任何方法可以在線上關閉帳戶，因為他們最近的分行距離他們很遠。

Halifax advised: "A fixed account would need to be closed at a branch please."

哈利法克斯建議：“請在分行關閉固定帳戶。”

You can manage the Fixed Saver online, as well as via the app, in branch or over the phone. The term starts from the day you launch the account. You can only make deposits during the first 20 days, and you can hold up to £9million in the savings account.

您可以在線上管理固定保護程序，也可以透過應用程式、在分行或透過電話管理。該期限從您啟動帳戶之日開始。您只能在前 20 天內存款，儲蓄帳戶最多可持有 900 萬英鎊。