Current Account

Fancy an extra £5 in your pocket each month, as well as £100 when you switch to us?  If so, our Reward Current Account may be more suitable for you. To get your £5 monthly reward for each month, just pay in £750, pay out two different direct debits and stay in credit.

Apply now for your
Current Account

Apply now for your Current Account

A simple current account that’s perfect if you don’t expect to pay in £750 and pay out 2 direct debits a month.

  1. Current Accounts Switch Guarantee£100 when you switch to this current account - just use the
  2. Current Account Switch Service and switch a monthly credit of at least £750, plus a minimum of 2 active monthly direct debits (if you’ve received a Halifax switching offer since January 2012, you can’t get this offer)
  3. 24/7, secure Mobile, Online and Telephone Banking
  4. Exclusive to Online and Mobile Banking - Cashback Extras - register online and earn cashback on offers when you spend using your debit card
  5. Exclusive! For £10 a month, add Control to your account and we can help you by stopping your account from going into an unplanned overdraft
  6. A Visa debit card
  7. Withdraw up to £500 a day from our cash machines and branches

Apply now for a Current Account

Alternatively, call us on 08457 20 30 40 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or make an appointment at one of our branches.

For more information and terms & condition for this curent account, read the Current Account Getting Started Guide (PDF).

When there’s money or credit available in your account, transactions will go through exactly as normal. However, if you try to pay for something when there’s not enough money in your Current Account to cover it, Control will automatically stop the transaction going ahead. This includes:

  • Visa debit cards used in shops and online (including cash withdrawals)
  • Direct debits (including mortgages, loans and rent)
  • Standing orders.

There are some exceptions to this, which mean you could still go into an unplanned overdraft, including:

  • If you've used your Visa debit card somewhere where a retailer can't check with us, like on an aeroplane
  • The debiting of account fees, such as the £10 a month Control fee or overdraft usage fees.

Important information about Control:

  • There is a £10 overdraft buffer on your Current Account, which means if you use a planned or an unplanned overdraft by less than £10, you won’t pay any fees.
  • Control stops transactions when there is not enough money in your Current Account. This means your mortgage or rent, loan and credit card repayments and utility bills won’t be paid if they would take you over your limit.
  • When you receive a new Visa debit card, please start using it straight away, remembering to destroy your old card.
  • Daily planned fees are still charged at £1 per day for balances less than £1,999.99, £2 per day for balances between £2,000 and £2,999.99 and £3 per day for balances over £3,000.
  • If you do go into your unplanned overdraft then you will only be charge £1 per day.
  • If when registering for Control, you have any unprocessed payments or outstanding fees and charges, these will still be processed, even if this takes you into an unplanned overdraft. In this case the usual fees and charges will apply.

Summary of fees that will apply with Control

Fee type Current Account with Control
Monthly Control account fee £10
Planned daily overdraft fees

£1 for balances less than £1,999.99,
£2 for balances between £2,000 and £2,999.99
and £3 for balances over £3,000

Unplanned daily fees £1 per day

Representative example
If you have a Current Account and use a planned overdraft of £1,200, then we’ll charge you £1 a day when you use it.

Common terms

Unplanned overdraft
If you try to make a payment out of your account (for example by direct debit or cheque) and you don’t have enough money, we would normally treat this as a request for an unplanned overdraft or for an increase in one you already have. In the majority of cases, Control will prevent you from going into unplanned overdraft, for details of limited exceptions to this please refer to the Current Account Getting Started Guide.

Planned overdraft
An overdraft up to a limit that we agree, taking into account your personal circumstances and which you arrange with us in advance. Fees and charges apply on planned overdrafts of more than £10, please see our Current Account Getting Started Guide for more information. It is possible to have a planned overdraft with Control in place.

Wallet

Registering for Control

To add Control to your Current Account simply visit your nearest branch or call us on 08457 20 30 40, 8am-8pm Monday to Friday, 8am-6pm on Saturdays and 9am-5pm on Sundays.

If you... Your daily fee will be...
use a planned overdraft up to and including £1,999.99 £1 a day
use a planned overdraft of between £2,000 and £2,999.99
£2 a day
use a planned overdraft of £3,000 and over
£3 a day
use an unplanned overdraft
£5 a day or £1 a day with Control

Representative example: So, if you use a planned overdraft of £1,200, then we'll charge you £1 a day when you use it.

We will also give you an overdraft buffer, so if you’reoverdrawn by £10 or less our overdraft buffer means you won’t pay any planned or unplanned overdraft fees.

Apply now for a Reward Current Account

Alternatively, call us on 08457 20 30 40 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or make an appointment at one of our branches.

For more information and terms & condition for this curent account, read the Current Account Getting Started Guide (PDF).

Halifax current accounts and services are offered subject to status. 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.

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