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      02.06.2013 16:34
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      It is now my bank so hopefully I can log on with no problems soon!

      Well I have just opened an account with Halifax, and that has come with internet banking. I was registered for this when I opened the account in branch, and was given a user name and chose my own password. I also got given memorable information but because I didnt write that down I have forgotten it already! I then went through the system to reset my password, but then you have to phone up and have your card details ready. Thing is, I dont have my card yet as I only opened the account this week, so when I phoned, the automatic system wouldnt let me through to reset my password and memorable information. I will have to wait until the card is sent through. This seems a bit of a faff just to change my information, although I understand its a security thing.

      The site generally is easy to navigate, to log onto your banking theres a direct link from the homepage. They also have all their offers advertised including £100 to open an account or have your stamp duty paid for first time buyers. I think that this is a great way of seeing what they have to offer as a bank.

      The site loads quickly on my broadband and Im looking forward to being able to use it properly to transfer money and have all my banking stuff set up. I am coming from Santander whose online banking site is very easy to use and understand.

      I like the way the site is set out, although I tried to originally sign up for an account online, and after entering all my details the site told me that there had been an error, and that I must go into the branch to open the account. It took me quite some time to fill in everything and I wish it had told me that nearer the beginning of the process to save me the time.

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      07.01.2010 20:07
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      Easy to use

      Halifax-online.co.uk is the website of the bank, Halifax now part of the Lloyds Banking Group.

      Halifax's online application allows customers to access details of their accounts without having to telephone their head office or visit their local branch.

      In order to access your accounts online you will first need to contact Halifax directly (either your branch or their call centre) and set up your user ID and passwords, you will usually recieve your password in the post for security reasons.

      Once you are set up you can access your accounts 24 hours a day 7 days a week, meaning you can keep track of your accounts whatever the time of day.

      You have the option to transfer money between accounts online, so if you go overdrawn on one account you can transfer money from another account (i believe before 3pm) to avoid paying a daily overdraft fee.

      Some other lenders don't give you the option to see your mortgage online; however, Halifax do so whichever product you have with Halifax (current account, savings account, mortgage, loan or credit card) you will be able to keep track of it online.

      With their online service you can also apply for further accounts should you wish to.

      The only downside I find is that they only show 3 pages worth of transactions for their current accounts and it would be helpful if they allowed you to track transactions further back.

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      06.11.2009 19:35
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      thanks for reading

      I use Halifax online banking daily, I find it a complete god send to be able to switch on your computer and access your bank details from the comfort of your own home.


      HOME PAGE

      The homepage is very clear and you should be able to find the link for the service you require quickly and easily.

      LOG IN

      Halifax has a 1 page log in unlike other on line banks that often have 2 log in pages.

      This doesn't deter me or make this site feel any less secure to me.

      Log in requires your user name, password and the answer to a personal question, which you logged with them on signing up for your on line banking. This page is case sensitive.

      MY ACCOUNTS.

      When you have successfully signed in you are taken straight to MY ACCOUNTS. On this page you can display and manage all your accounts with Halifax.

      You can make transfers between your Halifax accounts quickly and easily and most accounts transfer your money immediately. Some accounts like the Saver Reward can take up to 48 hours for the money to be transferred.

      This page also gives you links to applying for further accounts and services (home insurance, credit cards, mortgage).

      Bank statements and paper free documents can be accessed from this page.

      Setting up standing orders and making payments is simple, go into the account you wish to make the payment from, select the option for transfers, direct debits, standing orders and pay bills and create the details for the payee. This really couldn't be made any easier to do.

      I really like that you can manage your overdraft through MY ACCOUNTS page, this isn't always available to do in such a simple way with other banks.

      Halifax times out after a period of inactivity, about 5 minutes I think.


      MY OVERALL OPINION.

      I currently have online banking with 3 different banks and Halifax online banking is by far the simplest and easiest to use, I find some of the other bank sites quite frustrating to use having to open up different windows for different requests.


      I would recommend Halifax Online Banking, easy and straightforward to use.

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      11.09.2009 11:38
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      Works all right once you get it set up but be warned of internet security issues

      Halifax's online banking service is all right I suppose, but they recently performend very poorly in a security poll for internet banking sites which was widely reported in the newspapers. (If memory serves they came about 4th out of the top five most popular banks, and together with one of the other banks, received a special notice for their lack of online safeguards).

      Accordingly I find there is always something of a frission of poor-mans' Russian-roulette-style tension when I log on to my online account with them....will what remains of my current account suddenly turn out to have been stolen by internet fraudsters and / or identity thieves?

      The problem as I understand it is with keystroke recognition programmes that may or may not have illicitly installed themselves on your computer. Because, with the Halifax, you have to manually type in a selection of letters / numbers from your chosen password in order to log into the account, there is a possibility that if your computer is infected with a keystroke recording virus "some hackers" could over time - if they record enough keystrokes - gain access to your full security details. Internet banks like, say, Cahoot, which let you select letters from your password from a drop-down menu on the computer screen are apparently much more 'secure.'

      Apart from this (probably quite real) potential security issue Halifax's online current accounts work quite well. The over-riding advantage with internet banking that I find is that by operating my accout on-line I avoid having to deal with any Halifax personnel whatsoever. In recent years the Halifax have taken to making their staff 'hard sell' other Halifax products to their customers; this invariably happens now whenever I visit a branch or phone their customer service line - if I've gone in just to cash a cheque someone will always try their damndest to sell me card protection schemes, or home / car insurance, or a meeting 'to come into the branch for free a savings review' etc. etc. etc. (They even cold-call me in the evenings sometimes in their attempts to get me to take up some of this superfluous stuff.) When I did want to look at new mortgage deals, I had an 'informal chat' with a Halifax advisor which led to her setting up an acutal mortgage for me (!) (!!!) that I hadn't wanted or in any way even agreed to in the first place! So, even if their internet service isn't the best available, anything that means you can avoid dealing with Halifax staff in person is in my book, a good thing.

      I have had my internet account with the Halifax for several years and although they are a slight pain to set up if memory serves - as you have to apply to the Halifax for an online account and then wait for 'set up details' to be sent to you by post which takes about a week at least - once you are registered with the bank you can operate your account in the same way that the operators who you speak to on Halifax's telephone banking service do. You can set up one-off payments, standing orders etc. to other accounts inside and outwith the Halifax, and you gain detailed information on incomings and outgoings from your account. Like all internet bank accounts, this is a very handy service to be able to access indeed.

      Personally I prefer to manage my bank account myself so internet banking in general is a good option for me; however I know that other people - eg. family members of mine - are terrified about internet security surrounding their accounts and prefer to use telephone banking, or even to operate their accounts in person from high-street branches of their banks. I can't understate the element of human error that can surround relying on bank tellers - if, say, you are unfortunate enough to have a local branch that employs only incompetent half-wits. A close relative of mine for example has had years of trouble with a branch-operated account, from relying on 'that nice man from the Abbey National' - who consistently cocks up all their transactions. And despite having lost considerable amounts of money due to bank charges incurred as a result of standing orders etc. not having been correctly set up at the right times, this person refuses to take responsibility for their own banking activities by taking the obvious step of setting up an online account. It's craziness, in my opinion.

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        12.05.2009 19:31
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        A reasonably easy to use site with both positive and negative aspects.

        This is a review of the Halifax online banking website.

        I joined Halifax bank about 18 months ago, enticed by their £100 offer for opening a current account. Even though I have banked with HSBC and Barclays in the past it is with Halifax that I first used online banking.

        ~What is good?~
        One of the things I find good about Halifax online banking is it's easy login procedure. I now have other online banking accounts and they all have a much more complicated procedure, requiring you to remember complicated number passwords. Halifax allow you to choose your own user name, password and answer one of several questions. They ask you your mother's first name, your father's first name, the name of your first school or the place where you are born. These should be all quite easy to remember and they alternate so that you are not inputting the same details all the time.

        I also like the fact that on the main page you can see all accounts you have with Halifax. I can see immediately the balance of my current account, the balance of my savings account and an access point for my credit card information. Next to each account is a drop down menu so you can quickly view the information you want. For example, next to the current account you could choose from the drop down meny to got straight to direct debit/standing order/bill payment information or to go straight to recent transactions on your account and see item by item information.

        I also like the fact that on the main page I can quickly and easily move money from my current account to my savings account. At the to of the page there is a 'move money from' box with a drop down menu to choose between your current and savings account. And a 'to' box with a drop down menu to choose which account to are moving money to. And a box to put in the amount you are transferring. The site asks you to confirm the amount, then moves it instantly between the accounts.

        You can also choose to receive 'paperless billing'. This is where you are sent electronic statements, which you can choose to print or not. You are sent an Email to let you know when new statements or letters arrive so you can log in to view them.

        ~What's bad?~
        My main gripe with Halifax online banking is it seems to take a long time to transfer money to other accounts, and you have to give 48 hours notice. For example, on a Tuesday I cannot request money be sent to my joint account with my other half on Wednesday. Thursday would be the first day the money could leave my account. It would then take 3 days to show in the account. On the other hand, I can move money from this account to my Halifax account within two hours! It leads me to believe that it is something about the Halifax system rather than the other bank which is being awkward! Bizarrely, it also works like this when trasferring money from your current account to your credit card (paying a bill, overpayment etc) A way to get a little bit more interest out of us?

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          19.02.2009 14:59
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          Don't reply to any emails asking for bank information.

          I'm not sure about their security, it could be coincidence, but twice now when opening an online account with the Halifax, I have immediately been sent a bogus email looking like it was from the Halifax, I was nearly caught the first time. Once is OK a coincidence, but twice? If only twice though, my Farther who is 88 years old just had the same, opened a new online Halifax account and hey presto (within a day or two) a bogus email arrives, he went with it, after he replied he got suspicious called the Halifax in time to stop £4k from leaving his account. 3 times new Halifax accounts and 3 times bogus Halifax emails. Think of all the bogus bank emails we could of had, but these were right on the button 3 out of 3 times. Like the Americans say, if it walks like a Duck and quacks like a Duck, it's probably a Duck.

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            28.12.2008 07:25
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            A super service

            I have been a customer of the Halifax Bank for over 30 years now. When they first introduced on line banking I immediately signed up to this and what a boon it has been! Signing up is an easy process and you are required to choose a user name and password and to provide answers to several security questions.

            Once you have received your logging in details from the Halifax signing in is simple. You just have to log in with your user name, password and the answer to a security question. On gaining access to your acount your account information will be displayed.

            It is possible to have most of your accounts included in the online service including current accounts, mortgages, loans, credit cards etc

            Once you have registered you are able to conduct most of your banking transactions online including setting up standing orders and direct debits, making bill payments, transferring between Halifax accounts, requesting overdrafts, changes to overdrafts etc.

            It is also possible to open web saver accounts easily online. I have opened several for different reasons. One is for a holiiday fund, one is for short term savings and one for longer term savings.

            The Halifax have a faster payments service now so it is possible to transfer money within the space of a couple of hours. You are also given the option to choose paperless bank statements and all your staements can be accessed online.

            I know that many people have reservations about online banking and are reluctant and reticent to use online banking services because of security issues and fraud. However, the Halifax guarantee that customers who experience online fraud will be fully reimbursed.

            To be honest, I would be totally lost if I were unable to access my accounts. I live a few miles from the bank and it is a pain getting there and standing in the queues. I visit the site virtually every day. It is also really useful when you are away on holiday abroad and need to make payments at home etc.

            The only thing I can't do is pay cheques / cash into the account! Now that would be good if I could do that online!

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              26.12.2008 17:38
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              All in all, a decent online banking service.

              This review is going to be just about the online aspect of Halifax banking - I will do another one for the branch later.

              I have been a customer of Halifax for over 20 years and have been using their online banking service for about 7 or 8 years now. I have a number of accounts with various banks and like to use online banking as it is quick and easy to see what you have (or haven't) got at any time of the day or night. If you have a desk based job, like I have, it is an obvious advantage to be able to check balances or do your banking whilst at work, without having to go out in the cold and wet to the local branch!

              Halifax online banking is very simple to use - once you have gone through the initial setting up of the account, which involves sending out passcodes by post, for security purposes, it is very simple. You simply log on with your user name and password and it asks you one of several security questions you have chosen yourself.

              Assuming you pass security, it takes you straight through to a page where you can add in as many or as few of your accounts as you wish. You can include your mortgage and loan accounts, should you want to, as well as your savings, current accounts, and Halifax credit cards. If you have share save schemes through your employer that are run by Halifax, you can access these too - always nice to see your money building up!

              Moving money between accounts, and making payments to other, outside accounts - bill paying etc, has been improved over the years and is very simple to use once you have familiarised yourself with the site. It used to be very fussy but Halifax have refined things and made it much more straightforward and user friendly.

              Halifax are using the "fastpay" system too, so if you make a payment from your account, it can be at the other end in just a few minutes - excellent if you are moving money between banks as there is no delay in getting cleared funds where you want them to be.

              The best thing, in my opinion, about the online service, however, is the ability to have several "pots" of savings accounts online which all have separate account numbers, but which you get to choose a name. So for example I have accounts for "next year's holiday", "rainy day money", "car maintenance" etc - This makes it a whole lot easier to see what you have in each budget without trying to remember which account number relates to which aim.

              It is this reason, primarily, that I have stayed with Halifax. I like the fact that I can log on, and see clearly what I have got saved towards my Christmas shopping, or my car tax or whatever, without having to try and memorise all those numbers!

              On the odd occasion that I have forgotten my password (having a senior moment or two!) I have found their technical support very helpful.

              My only criticism would be that you cannot access e-saver accounts which you opened online if you need to transfer money over the phone. I had occasion once where I needed to move money from my savings to my current account but did not have access to the internet, so called phone banking and they said that they couldn't do it because it was an internet account. This was most frustrating, but I suppose it is fairly standard for most banks so it just has to be put up with.

              All in all, banking online with Halifax is a fairly painless process, and is certainly one of their strong points.

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                06.11.2008 10:43
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                A quick, easy simple way to manage your finaces

                I have been with the 'Halifax' for as long i can remember, and have never had any major problems up to now. My whole family uses the Halifax because my uncle is the manager of our local branch.

                I chose only to have a cash card ( visa electron) with a £300 overdraft, over the years i have been offered various credit cards but i resist the urge because i like the know what money i have is mine and that I've earnt it. I don't want loads of credit cards with thousands of pounds sitting there tempting me to spend money that isn't rightfully mine.
                I came across Halifax online banking about 4 years ago, when my monthly statement came through the post, their was a leaflet advertising it, and i thought it would be a great idea to keep up to date with my money.

                I rang up the main Halifax help number and asked to sign up to online banking, the whole process took about 10 minutes, and they said they would send out two separate letters, one with my password, and one with the user name i had chosen. These are sent out separately for security reasons.
                Within a week a received the first letter and the day after i received the other.

                I found the website and followed all the instructions as prompted and entered my password, user name and some personal security questions about me, and i was logged on within about 3 minutes, it was really easy.
                I took a few minutes to explore the site and different things i could online with my account, I had the main page, which i could view a summery of everything that had gone in, and out of my account within the last couple of months, i could see what direct debits i had set up, and i could easily mange them, canceling ones i didn't need, and setting up ones if need be.
                I could set up standing orders, transfer money to other people accounts, pay bills, the list goes one.

                I was very impressed with the whole service, and how the Halifax keep on top with security, take for instance if i was logged on to my page and hadn't used it for 5 minutes they would automatically log off for me in case i forgot. If you type in your password wrong on 3 consecutive times they will freeze your account and your password will be sent through the post to you- sounds a ball ache but better to be safe than sorry!.
                Currently i log on every morning to see whats been happening, and is direct debits have gone out, or if bills have been paid, it's a life saver as living out in the sticks, getting to my nearest branch can be a struggle sometimes.

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                02.08.2008 11:23
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                Don't bother

                This is worst kind of system-administered banking I have come across.

                We applied up fo an easycash account, and were immediately sent two letters - one (but only one?!) with my name spelt incorrectly (truncated - my name's 8 letters long!).

                One letter requested passport photocopies (only for one of us!), the other gave us a password each, to be used with (unguessable) usernames we apparently should already know but had not yet been given (I later discovered that this is a known fault in their system, and that we would never have been sent them). This was prior to the account being opened.

                When I rang to get the usernames, they would not give me both (although I had made the application and had both letters in my hand - and it is my fiancees hen weekend), for "security reasons".

                This might seem reasonable, until you consider that all I had to do get my own username was to repeat my full name twice and my postcode three times. If this is all it takes to impersonate, then I wouldn't trust them with any money!

                And if their administration is all like this, then prepare for nightmares.

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                  21.06.2008 06:43
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                  Average but needs to be improved

                  Now I have held a Halifax account for years back, I think I joined when I was still at school as they gave me some freebie or another I don't remember what it was.

                  Probably through habit as much as anything else I have stayed with them with my first current account, saving account and mortgage.

                  Currently I hold a current account, ISA, credit card and share dealing account, all serviced through the online banking facility.

                  The first comment I have to make is in regard to the security. Halifax unlike other online banking systems I use still uses the same method of logging in i.e. user name password and answer a question. This is all done by keying in responses, other sites I use have now switched to a combination of keyed in and by selecting from pull down menus - this is to prevent hackers using key logging software to see what you are typing. Other banks are also offering security systems where you must have the card and an electronic reader and also know the card pin (newly introduced on my Nationwide account).

                  The general day to operation of the online accounts is pretty easy and I have had no real issues.

                  The only other comment I have to make is in regard to my credit card. I had my card stolen and there were several fraudulent transactions - ok they handled this well and I wasn't liable for the transactions. They froze the account but it still appears on my online banking screen, also they wanted to send a new card for a new account which I declined as I now use a different card. So they never sent me the card but they continued to open a new account which appears on my online banking. So I have a credit card account that I have no card for and also a frozen account that I have no card for!

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                    23.05.2008 16:00
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                    Avoid the Halifax at all costs.

                    I went into the Halifax to change my partner's current account into a joint account for us both. 8 weeks later I still hadn't received my card and pin number and so phoned them to see what was going on. Because I could not tell them what the balance and most recent transaction was (impossible given I was phoning because I had not received my card and therefore had no access to the account) they froze my access to telephone banking and refused to tell me whether they had sent out the card or to cancel it if they had. So, the card might or might not have been sent out, some random fraudster might or might not have intercepted it and be using with impunity, I had no way of knowing because they had barred my access to my own account due to me not having the information that they should have provided me with 6 weeks before (I was told it would take me two weeks to receive the card). My partner contacted them to try and sort it out and they also suspended his access to telebanking because he got some detail of the most recent transaction wrong.

                    When we went into the branch no apology was forthcoming, rather we were told that the security measures were for our protection (ironic given if anyone had intercepted my card they would have had all the information needed to completely fleece us and the Halifax's 'security measures' would have made sure we were kept in complete ignorance of the entire process). It turned out that the reason I hadn't received my card was because the Halifax still hadn't bothered to send it and we were told that the telephone banking service would be restored. We also made a formal complaint. That was on Friday 2nd of May and we still haven't had an acknowledgement that the complaint is being processed.

                    Having finally received my card this week, I tried to use it - the ATM showed a message saying I needed to contact my bank. I phoned them to find that my telebanking is still frozen from last time (despite assurances that it had been restored when we had visited the branch last time) and I needed to go into a branch to get it working again. Additionally my partner and I tried to book our summer holidays last night and after putting in his card details (which up until this point had worked without a problem) and going through the Halifax's security check the travel company sent us a message saying the Halifax had refused the payment. This is very odd because according to the email we received from the Halifax's security system the payment has been made, and of course we have no way of checking because our access to the telephone banking system has been suspended.

                    Suffice to say we are finding an alternative and closing our account with the Halifax, who have proved to be unreliable and incompetent and unhelpful. I would very strongly advise anybody who reads this to avoid the Halifax at all costs.

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                    06.01.2008 01:18
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                    I have always recieved a good service from Halifax

                    After having problems with my previous bank, I decided to open an account with halifax, this was about five years ago.

                    The reason I chose Halifax

                    Well they were always advertised on tv and I needed a new account for my wages to be paid into, so I went in made an appointment and opened my current account, which did`nt take long and the staff were friendly and helpful.

                    Other services available at Halifax

                    Credit cards
                    Mortgages
                    Personnel loans
                    Savings and Investments
                    Insurance
                    Share Dealing

                    However I basically use my account as a savings account and dont have any Shares or Credit cards through Halifax.

                    Five years later

                    Five years on and I cant say anything bad about the services provided by Halifax, Eighteen months ago was when I first started to use online banking, I found their web address at the back of my statement www.halifax.co.uk and filled out the sign up form, they asked for the usual info name, address, date of birth etc, They asked a few security questions like whats your fathers first name? The process is easy and pretty quick.

                    Signing in

                    The sign in process is easy, go to the home page, click the sign in button and then you will be asked to provide your name, password and the answer to a security question, once this has been completed you will be able to access all your account information.

                    On this page you will be able to view your recent transactions, Transfer money/pay bills, set up an overdraft, view your direct debits and you can choose to have your statements sent by email instead of through the post.

                    The Halifax Guarantee

                    At first I was a bit worried about the security aspect of online banking, but I can honestly say up to now I have`nt had any problems. The Halifax guarantee that if any off their online customers are victim off online fraud, they will not lose any money from their account and will be fully reimbursed, I dont know if they stick to this promise as I have had no problems.

                    Conclusion

                    All in all I am pleased with the services provided by Halifax, I find online banking really handy to keep an eye on my account and to check direct debits and also to have my wages paid into it.

                    If you are considering online banking, I would highly recommend it, However I am only reviewing The Halifax and cannot comment on the service provided by other banks that offer online banking.

                    Thanks for reading

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                    16.09.2005 14:52
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                    when unemployed yes,when employed no !!

                    Halifax when a building society was fine but since they changed to a bank they are terrible.. I used to have a current account until they downgraded it to a bank account ??? At the time I was out of work - then I moved areas and tried to upgrade at least get a small overdraught facility which they did and me trying to be a responsible borrower only had a £5.00 overdraught - wish now I'd made it more !!

                    Then I got a job woohoo had over £500 paid into my account plus the working and child tax which too was over £500 a month... in all I had around 3x the necessary amount paid into my account so then I waited a few months so they could see how much I had and how regularly went in ... then I tried to upgrade back to a current account and they refused !!!! they kept telling me that I needed over £500 going into my account each month I told them that I did and that if they looked then they would see all was as it should be... they still refused... I have had several explanations even told that I had a closed accounts details still registered as my new details so we got those all updated and then because I had been refused I had to wait 7 months before they would consider it again..

                    During those 7 months I bought a car on credit, got a mortgage, 2 more credit cards- so obviously my credit rating couldn't have been all that bad !!!

                    And when i re-applied they still refused me... 4 years I have been trying to upgrade now.

                    And I am still trying to be upgraded !! I think they prefer it this way as they get more money from you in bank charges where if they had upgraded us in the first place then we would have an overdraught buffer zone... and then knock on effects wouldn't happen..

                    Also in their infinate wisdom they stopped the months notice of a bank charge and said it would be in 2 days they would take the charge ... hmmm here the knock on effect gets really working - standing orders and d/ debits not getting paid due to the minus figure in your account because of their bank charge.... and each time a £38 charge yup they've realised what a winner they are on so they upped it- yet again !!!

                    where do they get off giving me as an unemployed person an overdraught and then me as a working person nothing !!!

                    check out that they are dealing with your account in an acceptable way - my next step is to the c.a.b then my legal assistance on my insurance so then a soliciter and failing that the EU. I have been with them over 15 years !!!

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                      12.08.2005 20:04
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                      halifax online - a good site that covers all aspects of your banking needs

                      I have been using Halifax online for about three years since I opened a web saver account with them. I found the process of opening the online account very easy, and since then it is one of the reasons i have moved my bank account to Halifax due to the ease of doing everything you need to do - paying credit card bills, transferring money to other accounts both with Halifax and other banks, setting up standing orders and seeing/ changing direct debits.

                      I have a fairly normal knowledge of the internet, and have used a number of internet banking sites. halifax's security seems to me to be one of the best - you need a username, a passcode made up of numbers and letters and then you have to answer one of five personal questions they ask - for example your mum/ dad's name, first school and where you were born. this is a lot easier than remembering a number code, and as it randomly selects a question each time I feel more safe using this system.

                      I now have my websaver, credit card, and two bank accounts with halifax. It was easy to add all these accounts to the site - you can do it online really quickly and the instructions are easy to use. the only problem i had was with an account that had my middle name missing - however when i rang the customer helpline they sorted it out straight away.

                      The display of my accounts is easy to use - they show your account name, number and amount in the accounts. When you look at any of your accounts I have had no problems accessing my monthly statements. My credit card account also shows how many cashback points i have earned, and payments to the card are easy.

                      As mentioned earlier, setting up standing orders is really easy with helpfl instructions and you can also look at all your direct debits, and delete if needs be.

                      Whilst these are all fairly normal aspects of a internet banking site I feel halifax does give you 'extra' because it is set out very well, it is easy to navigate, i have had little problems with it crashing or being unable to access the site and the security is a little more 'normal person' accessable.

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