Get £100 when you switch to us, plus be in with a chance to win £50,000 in our February 2016 Switcher Prize Draw.
Use the Current Account Switch Service to transfer and close your old account held elsewhere, and we’ll automatically enter you into our February 2016 Switcher Prize Draw. So start your switch into one of our qualifying current accounts between 19th October 2015 and 31st January 2016, and complete your switch by 18th February 2016. If you’ve already received cashback for switching to us since January 2012, we’re sorry but you won’t get it again or be entered into our prize draw. Customers living in England, Wales & Scotland aged 18+ (not NI).
To switch, use 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 won’t get it again.
Alternatively, call us on 0345 720 3040 (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm or visit your local branch.
To open a joint account - fill in the short form at the end of your application.
For more information and terms & conditions for this current account read the Ultimate Reward Current Account Getting Started Guide (PDF).
Key information for existing Ultimate Reward Current Account customers, from details about your benefits to the account terms and conditions.
|You’ll pay...||If you...|
(The lower monthly account fee )
(The higher monthly account fee)
As well as the qualifying requirements set out in the above table, your Ultimate Reward Current Account must be open/not changed to another type of current account at the time the monthly account fee is due to be taken from your account.
We’ll take the monthly account fee from your account by the second working day of the following month.
Provided and underwritten by AXA Insurance UK plc.
– Personal belongings up to £2,500
– Single article, pair or set of articles up to £500
– Valuables up to £500 in total
– Personal Money up to £750 (cash £300).
Please be aware:
Arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
Insurance at home and abroad if your mobile phone is lost, stolen, damaged or breaks down (including faults).
Excess is payable on all successful claims of:
Provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
Breakdown assistance when you need it most. You're covered as a driver or a passenger in any eligible vehicle if you breakdown at home or on the roadside.
Provides cover within the UK, Channel Islands and Isle of Man, Roadside Assistance and Home Start.
Underwritten by Inter Partner Assistance S.A.
– Make it safe or secure and avoid damage or more damage
– Make it fit to live in
– Restore electricity, gas or water services if they have totally failed
Provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).
Covers all financial cards – call us if they’re lost or stolen and we’ll arrange to cancel them.
To qualify for the £100 switching offer (“the offer”) you must use the ‘Current Account Switch Service’ and meet the following conditions:
You are not eligible for the 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 the 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?
The Draw and how to join
By entering the Draw, you agree to these Rules.
The Draw is a one off prize draw to be drawn on 19th February 2016. The Draw is a free prize draw.
All qualifying customers in the Draw have an equal chance of winning. We will not pay the prize to any person other than the winner or their representative, as referred to in Rules 7, 20 and 21 below.
How to qualify to take part in the Draw
Customers who are not included
The Draw and how it works
If mistakes are made
Announcing the winners
To make sure you don’t miss out, it’s important that you tell us as soon as possible if you change your address.
Your buffer limit is the amount we allow you to go overdrawn by without incurring any daily overdraft fees.
|Up to £50||N/A|
A planned overdraft is an agreed amount we allow you to go overdrawn on your account, which you arrange with us in advance of doing so.
The following daily fees apply to the various limits of a planned overdraft:
|Up to and including £300* (subject to approval)||N/A|
|£300.01 to £1,999.99||£1|
|£2,000 to £2,999.99||£2|
|£3,000 and above||£3|
*Remember if you do choose to use your Ultimate Reward Current Account overdraft, although you may not incur any overdraft daily fees up to £300, you’ll pay the full £15 monthly account fee if you have had a debit balance (planned or unplanned) by the end of any day during the calendar month.
An unplanned overdraft is an overdraft that’s not arranged with us in advance. You could go into an unplanned overdraft if you:
The following daily fees apply to an unplanned overdraft on this account:
|All balances (over your planned overdraft limit)||£5|
If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. For Ultimate Reward Current Accounts, you will pay the higher monthly account fee of £15 rather than £10 if you use your overdraft. This means there will be an additional indirect cost of £5 if you use the overdraft on this account.