Current Account.


£125 when you switch to us.

£125 extraCurrent Account Switch GuaranteeUse the Current Account Switch Service and close your old account held elsewhere. If you've had cashback for switching since January 2012, we're sorry but you don't qualify.

£125 to switch using the Current Account Switch Service.

To qualify for the £125 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 Halifax Current Account ("your account").
  • 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're not eligible for this offer if you have previously received any other offer or benefits for switching to a Halifax bank account at any point since January 2012 or if you're a Bank of Scotland bank account customer switching to the Halifax.

You are not eligible for this offer if 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 or by phone from 20 April 2015. The offer is subject to change and can be withdrawn without notice at any time.
  2. This 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 current 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 available in branch or www.halifax.co.uk/bankaccounts/rates-rewards-fees for details on overdraft fees.
  4. If you do not meet the conditions of the offer we may claim back the £125. We will do this by debiting £125 from your account.
  5. Only one offer is available per customer. Joint accounts will only be eligible for one payment.
  6. The offer will be paid directly into your account within three working days once your switch has completed. The payment will appear as a cash credit.
  7. The offer is not available to customers whose existing account is being managed by our Recovery Departments.
  8. 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.

Apply now for your Current Account

Apply now

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

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

If you'll be paying in at least £750 and paying out at least 2 direct debits a month our Reward Current Account may be more suitable for you.

  • Use our switching service to transfer your account to us in just 7 working days
  • 24/7, secure Mobile, Online and Telephone Banking
  • Exclusive to Online and Mobile Banking - Cashback Extras - register online and earn cashback on offers when you spend using your debit card
  • 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
  • A Visa debit card
  • You can use our free mobile text alerting service to receive balance, limit and overseas transaction alerts
  • Open a joint account – fill in the short form at the end of your application.

Apply now

Alternatively, call us on 0345 720 3040 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or make an appointment at one of our branches.

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

Monthly Control account fee


Current Account with Control

£10

Planned daily overdraft fees


Current Account with Control

£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


Current Account with Control

£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

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. It is possible to have a planned overdraft with Control in place.

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.


Registering for Control

To add Control to your Current Account simply visit your nearest branch or call us on 0345 720 3040, 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

use a planned overdraft up to and including £1,999.99


Your daily fee will be...

£1 a day

use a planned overdraft of between £2,000 and £2,999.99


Your daily fee will be...

£2 a day

use a planned overdraft of £3,000 and over


Your daily fee will be...

£3 a day

use an unplanned overdraft


Your daily fee will be...

£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’re overdrawn by £10 or less our overdraft buffer means you won’t pay any planned or unplanned overdraft fees.

Apply now

Alternatively, call us on 0345 720 3040 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or make an appointment at one of our branches.


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.