哈利法克斯储蓄账户客户在开设错误账户后面临罚款

哈利法克斯已对其一个储蓄账户发出警告，因为客户可能会面临罚款。一位客户在开设固定储蓄账户后联系了银行，该账户提供一年期 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户已被警告，他们在开设错误的储蓄账户并希望提前关闭该账户后可能会面临罚款。

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."

该客户在开设固定储蓄账户后联系了哈利法克斯，该账户提供一年期 3.75% 的利率。该账户在开立10天内要求最低存款额为500英镑，在此期间允许任意数量的存款。客户不再想要该账户，询问：“我可以通过应用程序在线关闭它吗？才刚刚打开它，我开错了，还往里面存了一些钱。”

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."

哈利法克斯回复解释说，可能会涉及一些额外费用：“这需要在分行关闭，因为提前关闭意味着你将支付利息罚款。”

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?"

储户得知自己可能需要支付罚款时感到震惊，并问道：“那是什么？我只存了 400 英镑。”他们进一步问道：“我需要支付多少钱？这是一个不小心开错账户的错误，为什么我需要支付罚款？”

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

哈利法克斯澄清说，由于它是一年期账户，因此费用相当于 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.

根据哈利法克斯的规定，提前关闭固定利率账户将导致一年期收取 90 天的总利息，两年期收取 180 天的总利息，五年期收取 365 天的总利息。

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.

该客户对因开错账户而面临额外账单感到恼火，称自己“因开错账户而受到惩罚”，希望在分行解决问题时避免支付费用。

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."

哈利法克斯随后提供了令人放心的更新：“对于任何混乱，我们深表歉意。取消期限为 14 天。客户有权改变主意，而不会造成经济损失，因此任何提前关闭的利息损失都需要退还给客户。”

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.

客户随后询问是否有任何方法可以在线关闭帐户，因为他们最近的分行距离他们很远。

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

哈利法克斯建议：“请在分行关闭固定账户。”

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.

您可以在线管理固定保护程序，也可以通过应用程序、在分支机构或通过电话管理。该期限从您启动帐户之日开始。您只能在前 20 天内存款，储蓄账户最多可持有 900 万英镑。