Current Account

£100 when you switch to us. Just use the Current Account Switching Service to transfer and close your old account held elsewhere. If you've received a Halifax switching offer since January 2012, you can't get this offer.

More information about the £100 switching offer

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 Halifax Current Account, Reward Current Account or Ultimate Reward 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 are not eligible for this offer if you have received £100 for switching to a Halifax bank account at any point since January 2012.
Customers switching a Bank of Scotland bank account to Halifax are not eligible for the offer.
What else you need to know
1. The offer applies to applications received in branch, online or by phone from 21 July 2014. The offer is subject to change and can be withdrawn without notice at any time.
2. 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 Reward payments, interest and account fees leaflet for details on overdraft 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.
6. The offer will be paid directly into your account 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 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.

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.

  1. Current Accounts Switch GuaranteeUse our switching service to transfer your account to us in just 7 working days
  2. 24/7, secure Mobile, Online and Telephone Banking
  3. Exclusive to Online and Mobile Banking - Cashback Extras - register online and earn cashback on offers when you spend using your debit card
  4. 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
  5. A Visa debit card
  6. Withdraw up to £500 a day from our cash machines and branches
  7. You can use our free mobile text alerting service to receive balance, limit and overseas transaction alerts.

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

Open a joint account online

  • Two people using one account
  • Both people can seperately set up and manage Online Banking
  • Both people get a Visa debit card
  • A simple way to share spends and see them on one monthly statement
  • Open a new joint account, or add somebody to your existing account

Bear in mind

  • Both people named on the account are individually and jointly responsible for any debts on the joint account.
  • Credit reference agencies often create a financial link or association between people who have a joint account. Meaning that the financial situation of the other person on the account could affect your credit rating.
  • Both people named can use the account benefits and features without needing the approval of the other.
  • We cannot add another person to an account with an overdraft online, to add a person to an account with an overdraft visit us in branch.

Here’s how to create a new joint account

Step 1
Open a new current account in your name
Step 2
Select the "make it joint" option
at the end of the application to invite a second person to join the account
Step 3
We'll send you an activation code
once the other person has completed the application
Step 4
Enter the activation code
and we'll add the other person to the account and confirm by email

Important overdraft information
As part of opening a new joint current account (step 1), you may be offered an overdraft in your sole name. Please do not accept this, and wait until you receive e-mail confirmation that the joint account application is complete (step 4) before applying for an overdraft in joint names.

Apply now for a Current Account


Add somebody to an existing account
To make your existing account into a joint account, simply apply via Online Banking. Use the apply now button below to log in then you'll be given the option to make your account a joint account.

Important overdraft information
We cannot add another person to an account with an overdraft online, to add a person to an account with an overdraft visit us in branch.

Make your account a joint account


Alternatively, make an appointment at one of our branches.

For more information and terms and conditions for this current 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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