I first opened a Halifax Building Society account in 1971. Since Halifax pretendecd to become a bank the service has declined drastically.. I live abroad and also have a Czech account and have had accounts in several countries. Halifax is now even worse than Barclays. When I log into online banking , I am given a code which I have to repeat in answer to a phone call. Havig clearly said two codes twice each, I was told to reset my information. I did and tyhe same occured again. I was asked to ring a number. I did and was asked to press another number and another and....so it went on and omn and on... My Czech bank seds a code to my phone which I then enter on the computer. Simple.