The Halden Vault.
Hardware-isolated.
Every account ships with a personal cold-storage vault — keys live on FIPS 140-3 Level 4 hardware in Zurich. Withdrawal requires a physical, time-locked confirmation.
FIPS 140-3Lvl 4
Halden is a private digital bank for people who would rather not think about their bank. Custody-grade security, instant settlement across 47 currencies, and an interface that gets out of the way.
Every account ships with a personal cold-storage vault — keys live on FIPS 140-3 Level 4 hardware in Zurich. Withdrawal requires a physical, time-locked confirmation.
How you hold your phone, how you swipe, how you type — Halden learns your physical signature, not just your face.
Only the float you'll spend this week stays warm.
FSCS-protected to £85k. Privately reinsured by Lloyd's of London for the rest.
No single point of failure — including us.
KPMG runs a SOC 2 Type II review every 90 days. The latest report is published, in full, at halden.bank/trust — including the things we're still working on.
Switch tiers any month with a single tap. Your account number, your card number, your direct debits — all stay the same.
For people who'd like a calmer relationship with money. Replaces your high-street current account.
For people who travel often and dislike surprises in foreign cash machines.
For people who'd rather have a banker than an app — but want both.
We move your direct debits, your standing orders, and your salary instructions for you. The old account stays open until you tell it not to.