A no fee paying current account that’s exactly what,
you’d expect – and a little bit more too. It’s an easy and
convenient bank account for your day-to-day banking.
- £100 when you switch to this current account
- Cashback Extras – earn cashback on offers when you spend using your debit card (you must be registered for Online Banking)
- 24/7 Mobile, Online and Telephone Banking service
- Plus, all the standard features you’d expect from a current account, like a Visa debit card
Take ‘Control’ of your overdraft – a Current Account exclusive
To make money management easier, you can add Control for a monthly fee of £10 – it’s a unique add-on for our Current Account customers and helps prevent your account going into an unplanned overdraft. Find out more about Control
Our easy-to-understand overdrafts
|Planned overdraft||Unplanned overdraft|
|Daily fee||Amount of
|Up to and including
|£2,000 to £2,999.99||£2|
|£3,000 and above||£3|
|So, if you use a planned overdraft of £1,200, then we’ll charge you £1 a day when you use it.|
Apply 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. We may monitor and record calls.
Switch to a Halifax Current Account and get £100
Offer now available to new and existing customers who hold an active bank account elsewhere. To qualify, use the switching service to transfer and close your old account.
If you’ve received a Halifax switching offer since January 2012 you can’t get this offer.
For just £10 a month take control of your money by stopping
your account from going into an unplanned overdraft
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,
|Unplanned daily fees||£1 per day|
|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.|
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.
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.
Useful Current Account information
We often get asked other questions about our current accounts, most of which can be found on our general bank account enquiries page. But to make things easy, here’s some of our more common queries answered…
Switching to a Current Account
There are a couple of ways to switch your existing bank’s current account to a Halifax Current Account. It all depends on whether you have a Current Account with us already or not.
If you haven’t already got a Current Account with us, it couldn’t be more straightforward. Apply online for a Current Account and when you get near the end of the application, you’ll be asked if you’d like to switch to us using our switching service. Just select ‘Yes’, complete the rest of the form and you’re done!
If you already have a Current Account, it’s just as simple. Use our online switching form – just complete the details and one of our switching team will transfer your bills and payments to it.
The only thing you need to do is switch any regular credits – salary, pension, etc – to your Current Account. Print and complete the credit redirection letter (PDF) and send it to the organisations that pay into your existing account.
Making your Current Account a joint account
Unfortunately, you can’t apply for joint accounts online at the moment, but this doesn’t mean it can’t be done. Apply for your Current Account online and once the account is open make an appointment and take your account details into a Halifax branch where one of our branch colleagues will be able to add another person.