Reward Current Account

Get up to £160 reward in your first year with us. £160 made up of: £100 when you use the Current Account Switch Service to transfer and close your old account held elsewhere. Not available if you’ve received a Halifax Switching offer since January 2012; 12 x £5 monthly reward payments when you pay in £750 , pay out 2 direct debits and stay in credit each month.

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 The offer is subject to change and can be withdrawn without notice at any time.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 Reward Current Account

Apply now for a Reward Current Account

The current account that gives you a £5 reward every month.

  1. 24/7, secure Mobile, Online and Telephone Banking
  2. Exclusive to Online and Mobile Banking - Cashback Extras - register online and earn cashback on offers when you spend using your debit card
  3. Personalise your Visa debit card
  4. Withdraw up to £500 a day from our cash machines and branches
  5. Use the Current Account Switch Service to transfer your account to us in just 7 working days.
  6. Plus we will give you £100 reward if you meet the criteria.

*In each month, make sure you pay in £750, pay out two different direct debits and stay in credit. You won't get the £5 reward in any month you don't do this, so if you can't, take a look at our Current Account instead.

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 Reward Current Account Getting Started Guide (PDF).

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

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 £50 or less our overdraft buffer means you won’t pay any planned or unplanned overdraft fees.

With a Reward Current Account you won’t have to pay any other fees if you go overdrawn, so you need never worry. It makes perfect sense. What's more, we won't charge you any fees, as long as you pay in enough money to return your bank account back in credit by the end of the day.

Whether you can have an overdraft, and the amount available, will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is offered subject to status and repayable on demand.

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 Reward Current Account Getting Started Guide (PDF).

Open a joint account online

  • One account for two people
  • Both account holders can set up and manage Online Banking separately
  • Each person gets a Visa debit card
  • A handy way to share outgoings and see them on one monthly statement
  • Add somebody to your existing account, or open a new joint 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. This means that the financial situation of the other person named on the account could affect your credit rating.
  • Each person can use the account features and benefits 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 Reward Current Account


Add somebody to an existing account
To add somebody to your existing 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 Reward Current Account Getting Started Guide (PDF).

The £5 reward will be paid each month if you pay in £750 or more, pay two different direct debits and remain in credit throughout the previous calendar month. This payment is ‘net’ of income tax, which means we pay it after taking off income tax at the rate set by law (currently 20%). If you’re a higher-rate taxpayer you may have to pay extra income tax on the reward payment. The gross amount is £6.25 - this is the amount before income tax is
taken off.

We may monitor and record calls.

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