Compare bank accounts.

We offer a range of bank accounts to suit different needs. Whether you need a simple day-to-day account, one with extra benefits,Current Account Switch Guarantee or even your first bank account, we’ve got an account that may be right for you.

And it's quick and convenient to switch to us within just 7 working days when using our Current Account Switch Service.

Bank account

Monthly fee

Features & benefits

Overdraft1

Reward Current Account

Reward Current Account

£0

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won’t have to pay daily fees.
  • Earn £3 each month that you pay in £750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the £3 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £3 in future month (when you meet the qualifying requirements)
  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

£50 buffer

Planned overdraft:
£1 a day up to and including £1,999.99
£2 a day from £2,000 to £2,999.99
£3 a day from £3,000 and above

Unplanned:
£5 a day

Apply now

£100 extra when you switch.

Find out more

Ultimate Reward Current Account

Ultimate Reward Current Account

£15 a month or £12 if you meet the lower monthly fee criteria2

Things to think about
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly account fee

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance3
  • AA Breakdown Cover4
  • Mobile phone insurance5
  • Home emergency cover6
  • Card Cancellation7

Plus all the standard features you'd expect:

  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

£50 buffer

Planned overdraft:
N/A for up to and including £300
£1 a day from £300.01 to £1,999.99
£2 a day from £2,000 to £2,999.99
£3 a day from £3,000 and above

Unplanned:
£5 a day

Apply now

£100 extra when you switch.

Find out more

Student Current Account

Current Account

£0

Our account for full time students (over 18 years old):

  • An interest-free planned overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years
  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Free mobile text alerts
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.

Planned overdraft:
Interest free (0% EAR) up to £3,000
0.58% a month (7.2% EAR) over £3,000

Unplanned overdraft:
1.82% a month (24.2% EAR) up to £3,000
1.82% a month (24.2% EAR) over £3,000

For planned Student Current Account overdrafts of more than £3,000 we will charge interest at the planned rate on the whole of the overdraft.

Find out more

Expresscash (11-17 years old)

Expresscash (11-15 years old)

£0

Our youth account:

  • A VISA debit card with access to thousands of cash machines
  • Access to bespoke youth Online Banking and Mobile Banking
  • Credit interest on your account on any credit balance
  • Free mobile text alerts

N/A - No overdraft is available on this account

Find out more

Basic Account

Easycash bank account

£0

An account for customers who are ineligible for our other current accounts.

  • Free everyday banking with no monthly fees, or charges for accidentally going overdrawn
  • A VISA debit card
  • Access to our Online Banking, Mobile Banking, Telephone Banking and free mobile text alerts

N/A - No overdraft is available on this account

Find out more


Monthly fee

£0

Features & benefits

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won’t have to pay daily fees.
  • Earn £3 each month that you pay in £750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the £3 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £3 in future month (when you meet the qualifying requirements)
  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

Overdraft1

£50 buffer

Planned overdraft:
£1 a day up to and including £1,999.99
£2 a day from £2,000 to £2,999.99
£3 a day from £3,000 and above

Unplanned:
£5 a day

Apply now

£100 extra when you switch.

Find out more


Monthly fee

£15 a month or £12 if you meet the lower monthly fee criteria2

Things to think about
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly account fee

Features & benefits

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance3
  • AA Breakdown Cover4
  • Mobile phone insurance5
  • Home emergency cover6
  • Card Cancellation7

Plus all the standard features you'd expect:

  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

Overdraft1

£50 buffer

Planned overdraft:
N/A for up to and including £300
£1 a day from £300.01 to £1,999.99
£2 a day from £2,000 to £2,999.99
£3 a day from £3,000 and above

Unplanned:
£5 a day

Apply now

£100 extra when you switch.

Find out more


Monthly fee

£0

Features & benefits

Our account for full time students (over 18 years old):

  • An interest-free planned overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years
  • A VISA debit card
  • Access to our Online Banking and Mobile Banking, 24-hour telephone services as well as any of our branches
  • Free mobile text alerts
  • Earn up to 15% cashback with Cashback Extras8. Merchant offers and cashback amounts vary.

Overdraft1

Planned overdraft:
Interest free (0% EAR) up to £3,000
0.58% a month (7.2% EAR) over £3,000

Unplanned overdraft:
1.82% a month (24.2% EAR) up to £3,000
1.82% a month (24.2% EAR) over £3,000

For planned Student Current Account overdrafts of more than £3,000 we will charge interest at the planned rate on the whole of the overdraft.


Monthly fee

£0

Features & benefits

Our youth account:

  • A VISA debit card with access to thousands of cash machines
  • Access to bespoke youth Online Banking and Mobile Banking
  • Credit interest on your account on any credit balance
  • Free mobile text alerts

Overdraft1

N/A - No overdraft is available on this account


Monthly fee

£0

Features & benefits

An account for customers who are ineligible for our other current accounts.

  • Free everyday banking with no monthly fees, or charges for accidentally going overdrawn
  • A VISA debit card
  • Access to our Online Banking, Mobile Banking, Telephone Banking and free mobile text alerts

Overdraft1

N/A - No overdraft is available on this account

About our switching offer

To qualify for the £100, use the Current Account Switch Service to transfer and close your old account held elsewhere. Excludes anyone who's had a cash back for switching to Halifax since January 2012. You’re still eligible to use the switch service if you don’t qualify for the switching offer.

You will only receive the £100 switching offer if you switch into a new or existing Reward Current Account, Ultimate Reward Current Account (£15 monthly fee) or an existing Current Account if opened before 3rd December 2016. You are not eligible if you are switching to a Basic Account or a Student Account.

We’re afraid you're not eligible for the offer if the bank you’re switching from doesn’t participate in the Current Account Switch Service. To find out if your bank participates, visit the Payments Council website.

£100 TO SWITCH USING THE CURRENT ACCOUNT SWITCH SERVICE.

Terms and conditions.

To qualify for the £100 switching offer (“the offer”) you must use the ‘Current Account Switch Service’ and meet the following conditions:

  • Use the 'Current Account Switch Service' to switch into a new or existing Reward Current Account, Ultimate Reward Current Account (£15 monthly fee), or an existing Current Account if opened before 3rd December 2016.
  • Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank and close this account.

You are not eligible for the offer if:

  • you are switching to a Basic Account or a Student Account;
  • you have previously received any other offer or benefits for switching to a Halifax bank account at any point since January 2012;
  • you are a Bank of Scotland bank account customer switching to Halifax;
  • The bank you are switching from does not participate in the Current Account Switch Service. To find out if your bank participates, visit the Payments Council website www.simplerworld.co.uk

What else do you need to know?

  1. The offer applies to applications received in branch, online (Ultimate Reward Current Account and Reward Current Account only) or by phone from 07th November 2016. The offer is subject to change and can be withdrawn without notice at any time.
  2. The offer does not automatically guarantee an overdraft. Any application made for an overdraft will be subject to status. If your account has an overdraft you will not pay any daily overdraft fees for 6 months provided you stay within your planned overdraft limit; if you exceed your planned overdraft limit, then unplanned overdraft fees will still apply.
  3. After 6 months, or if you change your account, you will be charged daily overdraft fees applicable to the account you hold if you use your overdraft. Please see the Getting Started Guide applicable to your account for full details on overdraft fees. You will have been given a Getting Started Guide when you opened your account, but if you would like another one, please ask in branch or look at www.halifax.co.uk/bankaccounts/rates-rewards-fees.
  4. If you do not meet the conditions of the offer we may claim back the £100. We will do this by debiting £100 from your account.
  5. Only one offer is available per customer. Joint accounts will only be eligible for one payment. If any joint account customer has already benefited from the offer in their sole name, no payment will be made for that joint account.
  6. The offer will be paid directly into your account by the time your switch has completed. The payment will appear as a cash credit.
  7. The offer is not available to employees of Lloyds Banking Group, or if the employee is named on any bank account held in joint names.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.Crystal Mark 20785. Clarity approved by Plain English Campaign.

For more information and FAQs, please read the Account Switching Guide (PDF).


Representative Example

For Ultimate Reward Current Account, Reward Current Account and Current Accounts - if you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1.

For Ultimate Reward Current Accounts, you will pay the higher monthly account fee of £15 rather than £12 if you use your overdraft. This means there will be an indirect additional cost of £3 if you use a planned overdraft on this account.

If you have a Student Current Account and use a planned overdraft of £1,200, the interest rate we charge will be 0% EAR variable.

EAR is the equivalent annual rate. This is the actual annual interest rate for an overdraft. It doesn’t take into account fees and charges.


Important changes from 6th April 2016

The government is introducing a tax-free Personal Savings Allowance on the interest you earn on your savings and interest paying bank accounts.

More about Personal Savings Allowance


1 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. Overdrafts are repayable on demand.
2 The Ultimate Reward Current Account will cost £15 a month. However, if in the previous calendar month you pay in £750 or more and pay out at least 2 different direct debits and remain in credit you’ll pay the lower monthly account fee of £12. You’ll also need to keep your account open/not change it to a different type of current account until the fee is due to be debited (by the second working day of the following calendar month).
3 Provided and underwritten by AXA Insurance UK plc.
4 AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
5 Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
6 Home emergency cover underwritten by Inter Partner Assistance S.A.
7 Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).
8 To be eligible for Cashback Extras you need to be over 18, have a Halifax current account (excluding Basic Account), a Halifax debit and/or credit card and be registered for Online Banking. Once you’ve activated Cashback Extras, just activate each offer to earn cashback on your next purchase.


Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over.

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 repayable on demand, including any fees or interest. We subscribe to The Lending Code.