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

Features and benefits

  • Free everyday banking – You don’t have to pay monthly fees, or charges if you accidentally go overdrawn.
  • Visa debit card and free cash withdrawals – Use your card to withdraw cash at any cash machine, get mini statements, check your balance, pay your bills and top up your mobile.
  • Access to a range of services – 24 hour access to Online Banking, Mobile Banking plus Telephone Banking, branch services, and our mobile text alerts to receive balance, limit and overseas transaction alerts.

Bear in mind

  • You can’t apply for this account directly – If you apply for one of our other current accounts and you’re not approved we can usually offer you a Basic Account without you needing to reapply. We want to make sure you get the right account for your needs, so apply for one of our other accounts, such as a Reward Current Account, first.
  • Some features this account doesn’t have - The Basic Account does not offer a planned overdraft, a chequebook, a contactless debit card or credit interest on your balance and it does not qualify for Cashback Extras.

If you are an existing customer who has become insolvent (e.g. bankrupt, or have entered into a voluntary agreement to prevent being declared bankrupt) please call us on 0345 720 3040 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or drop into your nearest branch.

Switch to us in only 7 working days

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 hassle-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.
  • For 36 months, 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).

Existing Easycash customers

You may be able to convert your existing Easycash account to a Basic Account or see if you’re eligible to upgrade to one of our other current accounts through Online Banking.

Sign in to Online Banking

*Data provided by Callcredit.

How to apply

The Basic Account is only available if you’ve unsuccessfully applied for another current account.

Apply for one of our other current accounts, like the Reward Current Account and if you’re unsuccessful we can usually offer you a Basic Account without needing to reapply.

Choose a current account

Alternatively, call us on 0345 720 3040 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or drop into your nearest branch.

For more information and terms and conditions for this account read the Basic Account Getting Started Guide (PDF).

Need help understanding your credit rating?

Halifax Credit Checker is a free, simple online tool to help you understand your credit rating. You’ll also be able to access top tips on how to improve your score, which can help with opening a full current account.*