SWITCH YOUR CURRENT ACCOUNT AND GET £100.

Current Account Switch GuaranteeUse the Current Account Switch Service to switch into a new or existing Halifax Reward Current Account, Ultimate Reward Current Account (£15 monthly fee applies) or an existing Current Account if opened before the 3rd of December 2016 and close your old account held elsewhere. If you’ve received cashback for switching to us since January 2012 we’re sorry but you won’t get it again.

Why choose the Halifax?

Millions of customers bank with us and thousands more switch their bank account to us each week.

  • £100 when you switch
    Just use the Current Account Switch Service to switch into a new or existing Halifax Reward Current Account, Ultimate Reward Current Account (£15 monthly fee applies) or an existing Current Account if opened before the 3rd of December 2016 and close your old account held elsewhere. If you’ve received cashback for switching to us since January 2012 we’re sorry but you won’t get it again.
  • Six month fee free overdraft
    Your Planned Overdraft will be fee free for 6 months if you decide to switch your account to us. Overdraft are subject to application and approval, and are repayable on demand
  • Earn up to 15% Cashback
    With Cashback Extras, Halifax Current Account customers can earn up to 15% cashback, based on the places you usually shop or may like try, including clothes store, DIY outlets and restaurants. Simply open your account and activate Cashback Extras within Online Banking.

Select your account and apply

When you apply and switch, we’ll give you £100. Terms and conditions apply.


Select your account and apply

When you apply and switch, we’ll give you £100. Terms and conditions apply.


CHOOSE A NEW CURRENT ACCOUNT AND SWITCH.

  1. Choose your ideal current account and fill in the application form.
  2. Fill in our switch form at the end.
  3. Let us do the rest and your switch will be completed in 7 working days.

Compare our current accounts

You can apply for an overdraft and add an additional person to make it a joint account as part of our application form.


ALREADY HAVE A HALIFAX CURRENT ACCOUNT?

Current Account Switch GuaranteeSwitch and keep using your existing Halifax Current Account.

  1. Complete our simple online switching form.
  2. Let us do the rest and your switch will be completed in 7 working days.

Complete our switch form

The form should take around 5 minutes to complete and you'll need your old bank details to hand.


Switching is extra easy

You'll be up and running in 3 simple steps.

  1. Apply for an account
  2. Complete our switching form
  3. We’ll switch your account in 7 working days

Day 1

Day 1-6

Day 7

You do

Choose a current account and apply.

You can still use your old account and use your new Halifax account.

Enjoy your Halifax account.

We do

We’ll start your switch.

We’ll transfer payments from your old account to your new Halifax account.

Switch complete. We close your old account and move any funds to your new Halifax account.

We’ll put £100 into your Halifax account by the time your switch has completed (where eligible).

You do


Day 1

Choose a current account and apply.

Day 1-6

You can still use your old account and use your new Halifax account.

Day 7

Enjoy your Halifax account.

We do


Day 1

We’ll start your switch.

Day 1-6

We’ll transfer payments from your old account to your new Halifax account.

Day 7

Switch complete. We close your old account and move any funds to your new Halifax account.

We’ll put £100 into your Halifax account by the time your switch has completed (where eligible).

Features and benefits

We'll move your payments for you:

  1. Incoming payments, e.g. your salary.
  2. Outgoing payments, e.g. bills.
  3. Direct debits, e.g. an internet bill.
  4. Standing order, e.g. paying money into a savings account.
  5. Money in your account, e.g. if your account has a £500 balance then we will transfer £500 into your new account.

You can choose the date you want to switch.

Keep in mind

If any payments go to your old account after the switch.
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

If something goes wrong
You're covered by the Current Account Switch Guarantee. If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

£100 Switching Offer
Complete our switching form and use the Current Account Switch Service to switch. Switch into a new or existing Halifax Reward Current Account, Ultimate Reward Current Account (£15 monthly fee applies) or an existing Current Account if opened before the 3rd of December 2016 and close your old account held elsewhere. If you’ve received cashback for switching to us since January 2012 we’re sorry but you won’t get it again.

Six month fee free planned overdraft switch offer
If you’re opening an account and you switch your main current account to Halifax, we’ll give you an overdraft with no daily fees, subject to status, for the first six months. After this time, the daily fee structure will apply based on the account you’ve chosen.

How do you apply for an overdraft?
You can apply for an overdraft at the same time as you apply for a current account with us. Subject to approval, we’ll tell you the maximum overdraft we can offer you. Overdrafts are repayable on demand.

Select a current account to find out more about the overdraft charges for that account. Choose from current accounts including Reward Current Account, Ultimate Reward Current Account, Student, and  Youth and Teenage accounts.

£100 TO SWITCH USING THE CURRENT ACCOUNT SWITCH SERVICE.

Terms and conditions.

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 Reward Current Account, Ultimate Reward Current Account (£15 monthly fee), or an existing Current Account if opened before 3rd December 2016.
  • 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 the offer if:

  • you are switching to a Basic Account or a Student Account;
  • you have previously received any other offer or benefits for switching to a Halifax bank account at any point since January 2012;
  • you are a Bank of Scotland bank account customer switching to Halifax;
  • 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 (Ultimate Reward Current Account and Reward Current Account only) or by phone from 07th November 2016. The offer is subject to change and can be withdrawn without notice at any time.
  2. The 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 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 applicable to your account for full details on overdraft fees. You will have been given a Getting Started Guide when you opened your account, but if you would like another one, please ask in branch or look at www.halifax.co.uk/bankaccounts/rates-rewards-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. If any joint account customer has already benefited from the offer in their sole name, no payment will be made for that joint account.
  6. The offer will be paid directly into your account by the time your switch has completed. The payment will appear as a cash credit.
  7. 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.

Current Account Switch Guarantee

We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

  • The service is free to use and you can choose and agree your switch date with us.
  • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
  • If you have money in your old account, we will transfer it to your new account on your switch date.
  • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
  • If there are any issues in making the switch, we will contact you before your switch date.
  • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.Crystal Mark 20785. Clarity approved by Plain English Campaign.

For more information and FAQs, please read the Account Switching Guide (PDF).

The Current Account Switch Service makes switching from one bank or building society to another simple and hassle-free whether you’re a consumer, small charity or small business. You’ll find the main benefits of the service below:

Switch on your terms.
With the Current Account Switch Service you can choose a switch date to suit you. Just make sure you allow a minimum of seven working days.

Simple and hassle-free.
The new account provider transfers any existing balance and all existing payment arrangements for you – including those going out (for example Direct Debits and standing orders), those coming in (for example, your salary) and payees you already have set up.

Wide ranging spread of UK banks and building societies are on board.
This means over 99% of UK current accounts are covered by the Current Account Switch Guarantee.

The switching process is the same everywhere.
Every bank and building society offering the service follows exactly the same switch process.

Payments are automatically redirected.
We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.

Backed by a Guarantee.
In the unlikely event that something goes wrong with your switch, the new provider will refund any interest or charges incurred on your old or new account as a result.

A single point of contact.
The whole process will be handled by the bank or building society you are switching to. If you have any questions or concerns, just ask your new provider.

  1. What is the Current Account Switch Service? It’s a free service that lets you switch your current account from one participating bank or building society to another. It has been designed to be simple, reliable and stress-free and is backed by the Current Account Switch Guarantee.
  2. Can I switch my account on a date that suits me? Yes, you can choose and agree a date with your new bank or building society and the process will start 6 working days before that date. (Working days are Mon - Fri excluding bank and public holidays.)
  3. What happens to payments that people send to my old account, i.e. salary, pension or benefit payments? The Current Account Switch Service will redirect payments to your new account. Each time an electronic payment is redirected an automatic message is sent back to the originator advising them of the new account details so they can update their records. Some organizations may contact you directly to confirm your details have changed.
  4. What happens if there is a mistake or unnecessary delay in the current account switching process? The Current Account Switch Service is backed by the Current Account Switch Guarantee. This guarantees that any charges or interest incurred on your old or new account, as a result of a failure in the switching process will be refunded when you bring this to our attention.
  5. Will switching my current account affect my credit rating? No, providing you repay any outstanding overdraft(s) on your previous account(s) as required by your old bank or building society. If there are any problems with payments (as part of the switching process) we will correct them and ensure your credit rating is not affected.
  6. Can I switch my current account if I am overdrawn? Yes, and we may be able to provide facilities to help you pay off any overdraft, subject to their normal lending criteria. If this isn’t the case you must make separate arrangements to repay your old bank or building society what you owe.
  7. What if I change my mind? You can cancel your switch up to seven working days before your switch date. After that only certain elements can be cancelled. We will guide you through this process if you choose to do this.
  8. When will the money in my old account be transferred to my new account? You will be able to access the funds in your old account up to and until your switch date when they will be transferred to your new account.
  9. Do all Banks and Building Societies offer the same Current Account Switch Service? High Street banks and building societies and Internet and Telephone banks that display the ‘Current Account Switch Guarantee’ Trustmark will offer the Current Account Switch Service. You can find a list of participating organisations at www.currentaccountswitch.co.uk
  10. What type of accounts can I switch using the Current Account Switch Service? The Current Account Switch Service is for current accounts only. This includes personal, small business and charity current accounts. Small business accounts are those with an annual turnover that does not exceed £6.5 million and employs fewer than 50 people. Small charities have an annual income of less than £6.5 million and small trusts with a net asset value of less than £6.5 million. If you are still unsure if you qualify then please ask us to confirm. If you would like to switch other account types, such as a savings account, you will need to ask us if we are able to help you do this.
  11. What happens to any debit card transactions that I have asked my old bank to stop? The Current Account Switch Service should not interfere with this process and any debit card transactions that you have asked your bank to stop should remain so after your switch.
  12. Can I prevent my new account details being given to someone who sends one-off payments to my old account? You may be able to transfer your payments to us without redirecting payments from your old account, and you should discuss this requirement with your new bank.
  13. What should I take with me to my new bank or building society? The requirements for opening an account will vary between individual banks and building societies, so please ask them to confirm what they will need from you. However, in order to ensure your switch is successful, it is advisable that as a minimum you should take a recent bank statement and your debit card so we can identify you and link you to your old account.
  14. Does the Current Account Switch Service cover joint accounts? Yes, the Current Account Switch Service does cover joint accounts, but both named parties on the account will need to complete the relevant forms. Please note it is not possible to use the Service to switch a joint account to a sole account.
  15. My new bank says I need to update my details with my old bank. Do I? Why? If the details you provide to us do not match the details held by your old bank then you may be asked to contact your old bank to update the details they hold about you. Examples include if you have got married and not changed your maiden name to your married name or if you have moved house and not told your old bank your new address. When you are updating your details at your old bank you do not have to tell them that you will be switching to a new bank.
  16. Do you have to close your old account as part of the Current Account Switch Service? Yes. Closure of the old account is part of the Current Account Switch Service process. This allows any payments made to your old account to be automatically redirected to your new account. You can switch and keep the old account open if you want to, but you won’t be able to use the Current Account Switch Service – so you won’t get any of the benefits detailed in the Current Account Switch Guarantee.
  17. What should I do if my bank doesn’t meet the seven working day guarantee? Will I get any compensation? If anything goes wrong with your switch then we will refund you any interest (paid or lost) and charges made on either the old account or the new account. Whether you receive compensation above and beyond this is a customer-service issue for your particular bank to decide on.
  18. Are account opening and account switching all part of the same process? Account opening and account switching are separate processes. We have to carry out ‘know your customer’ security checks as part of our account opening process. Once these are complete to our satisfaction, you can choose and agree your switch date.
  19. If the switch is delayed for any reason, can I use my new account straight away? Yes, if the new account is open and you have money in it (or an overdraft agreed) then you can use it.
  20. What will happen to my Paym registration when I switch? On your switch date your old bank or building society will de-register your mobile phone number from Paym. You can then re-register your mobile number with us. You can do this on or after your switch date, or earlier if you de-register your mobile number at your old bank or building society yourself.

The Switcher Prize Draw is closed now to new entrants and was drawn on 19th February 2016. As prizes are claimed we will make available a list of our winners which you can access via your local branch.

Here’s a reminder of the 215 cash prizes:

  • 1 prize of £50,000
  • 4 prizes of £5,000
  • 10 prizes of £1,000
  • 200 prizes of £100

To be eligible for the Draw, you needed to:

  • have successfully applied to switch your Personal Current Account to a Halifax Ultimate Reward Current Account, Reward Current Account or Current Account using the Current Account Switch Service; and
  • have started your 7 day switch between 19th October 2015 and 31st January 2016; and completed your 7 day switch by 18th Feb 2016; and
  • be eligible for our £100 switch offer for this switch; and
  • be at least 18 years old by 19th October 2015; and
  • live in England, Wales or Scotland and be entered in our account records as living in one of those places as at 19th February 2016.

If you chose to opt out of the draw, we’re sorry but you won’t be able to change it or be selected as a winner.


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. If you’re opening an account and you switch your main current account to Halifax, we’ll give you an overdraft with no daily fees, subject to status, for the first six months. After this time, the daily fee structure will apply based on the account you’ve chosen.