Packaged account	Reward account	Everyday account	Student account
	Find out more	Find out more	Find out more	Find out more
Account name	Ultimate Reward Current Account	Reward Current Account	Current Account	Student Current Account
Age	18+	18+	18+	18+
Monthly funding requirement	No	£1,000	No	No
Visa debit card
Overdraft on request
Chequebook on request
Monthly fee	£12.50	No	No	No
What we pay you	£5 each calendar month you pay in £1,000	£5 each calendar month you pay in £1,000	Zero	0.10% AER/gross
Interest-free or fee-free overdraft (see details below)	Up to £300 fee-free	Does not apply	Does not apply	Up to £3,000 interest-free
Arranged overdraft (see details below)	£1 a day over £300 and up to £2,500; £2 a day over £2,500	£1 a day up to £2,500; £2 a day over £2,500	£1 a day up to £2,500; £2 a day over £2,500	0% EAR up to £3,000; 7.2% EAR over £3,000
Unarranged overdraft (see details below)	£5 a day	£5 a day	£5 a day	24.2% EAR
24hr online banking
Telephone banking
Worldwide travel insurance
RAC car breakdown cover
Mobile phone insurance
A range of other benefits
	Apply now	Apply now	Apply now	Apply now

Whether you can have an overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is subject to status.

An important note...
All fees and rates are variable. EAR is the equivalent annual rate. This is the actual annual cost of an overdraft. It only takes into account interest and not overdraft fees and charges. AER stands for annual equivalent rate and shows what the interest rate would be if interest were paid and compounded each year. (In other words, you earn interest on the money you leave in your account.) The gross rate is the rate of interest we pay before we take off income tax at the rate set by law. This may change in the future. Halifax current accounts and services are offered subject to status. Overdrafts are repayable on demand.

An important note for the Reward Current Account, Ultimate Reward Current Account and Current Account
As we charge fees on these accounts instead of interest, the typical rate is 0% EAR. Pay £1,000 each calendar month into the Reward  Current Account and Ultimate Reward Current Account to  receive £5 (net)/£6.25 (gross) monthly. The reward is paid net of income tax (at the rate specified by law, currently 20%). This may change in the future. Higher-rate tax payers may need to pay additional tax on the reward.