Offer ends 5th September 2022. You wont be eligible if you’ve received an incentive for switching to a Halifax account since April 2020. You may need to pay a monthly fee to maintain the account. Full terms and conditions can be found below.  

Ultimate Reward Current Account

Included in the £150 switching offer

Protection & peace of mind with our packaged account that comes with lots of added extras.

  • Worldwide multi-trip family travel insurance
  • Mobile phone insurance
  • AA Breakdown Family Cover
  • Home emergency cover
  • Earn £5 or a lifestyle benefit each calendar month – choose a Reward Extras offer and get rewarded when you meet a set of conditions each month

There's a £17 monthly fee for maintaining the account.

Ultimate Reward Current Account

Reward Current Account

Included in the £150 switching offer

Get more from your account with a monthly reward.

  • Earn £5 or a lifestyle benefit each calendar month – choose a Reward Extras offer and get rewarded when you meet a set of conditions each month
  • Access to our secure Mobile Banking app and Online Banking
  • Contactless VISA debit card

There's a £3 monthly fee for maintaining the account, however if you pay in £1,500 or more each month, you won't pay the fee.

 

Reward Current Account

Current Account

Free everyday banking when you stay in credit.

  • Access to our secure Mobile Banking app and Online Banking
  • Contactless VISA debit card

No monthly fee.

Current Account

Youth and student accounts

Off to Uni or looking for your child’s first account? We've got a range of accounts for kids, teens and students.

Money Smart

Our bank account and savings account for 11 to 15 year olds.

  • Dedicated Money Smart hints and tips
  • Contactless VISA Debit card
  • Parental visibility of the account
  • Mobile Banking app
Money Smart

Expresscash Account

Expresscash is our everyday banking account for 11 to 17 year olds.

  • Credit interest
  • Contactless VISA debit card
  • Mobile Banking app
Expresscash Account

Student Current Account

Our account designed for those in higher education. A student current account can help you manage your everyday finances.

  • Contactless VISA debit card
  • Mobile Banking app
  • Overdraft facility available*

*All overdrafts are subject to application and repayable on demand.

Student Current Account

Switch to us in just seven working days

Switching your bank account to us is quick and easy. Just fill in our simple online form and we’ll take care of the rest. With the current account switch service it'll only take 7 working days. And we’ll close down your old account for you when it’s done.

Switch now
  • To qualify for the £150 switching offer (“the offer”) you must switch to a Reward Current Account or Ultimate Reward Current Account using the ‘Current Account Switch Service’ to switch from a bank account held with another bank. The switch must include 2 direct debits. The following conditions apply:

    • Use the ‘Current Account Switch Service’ to transfer all the active credits and debits from the bank account that you hold with another bank to a Reward Current Account (£3 monthly maintaining the account fee) or Ultimate Reward Current Account (£17 monthly maintaining the account fee). The ‘Current Account Switch Service’ will close your old account with the other bank; and
    • Your switch must include the transfer of a minimum of 2 active direct debits from the current account being switched to the Halifax as part of the switch. Direct debits set up or transferred after your switch has been started will not count towards this offer. Other types of automated payments, such as standing orders and recurring card payments, won’t count towards this; and
    • Start your switch from your old bank account using the ‘Current Account Switch Service’ to a Reward Current Account or Ultimate Reward Current Account between the 12/07/2022 and the 05/09/2022.

    You are not eligible for the offer if:

    • You switch to any account other than a Reward Current Account or Ultimate Reward Current Account.
    • You change your existing account to a Reward Current Account or Ultimate Reward Current Account but you do not move your account from another bank using the ‘Current Account Switch Service’ before the switching deadline.
    • You’ve received a switching offer since April 2020 for switching to a Reward Current Account or Ultimate Reward Current Account.
    • You are switching to a joint account and one of the parties to the joint account has already received a switching offer since April 2020.
    • The bank you are switching from does not participate in the ‘Current Account Switch Service’. To find out more visit www.currentaccountswitch.co.uk
    • You are an employee of Lloyds Banking Group, or if an employee is named on any bank account held in joint names.
    1. The offer applies to applications received in branch, online or by phone between the 12/07/2022 and the 05/09/2022. The offer is subject to change and can be withdrawn without notice at any time.
    2. The offer does not automatically guarantee an arranged overdraft and any application for an arranged overdraft facility will be subject to status. If your account has an arranged overdraft, you will not pay any daily arranged overdraft interest for 6 months provided you stay within your arranged overdraft limit and do not increase or otherwise alter the arranged overdraft limit agreed.
    3. After 6 months, or if you change your account, you will be charged daily arranged overdraft interest applicable to the account you hold if you use your arranged overdraft. If you need any information about our overdrafts, please visit: https://www.halifax.co.uk/bankaccounts/overdrafts.html
    4. Only one offer is available per customer. Joint accounts will only be eligible for one payment.
    5. The offer will be paid directly into your account within 3 working days of your switch completing and will appear as a cash credit. 
  • 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.
    Current Account Switch Guarantee

    For more information and FAQs, please read the Account Switching Guide (PDF, 1.7MB).

    Crystal Mark 20785. Clarity approved by Plain English Campaign.
  • 6 months 0% interest overdraft when you switch

    To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

    What happens after the 0% interest free period ends?

    Once your six month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

    Representative example (based on using a Reward Current Account)

    An arranged overdraft on a Reward Current Account has a variable interest rate of 39.9% EAR, and a variable representative rate of 39.9% APR, based on borrowing £1,200.

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is: £3.22 for 7 days, £13.86 for 30 days and £28.09 for 60 days.

    Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.

  • To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval.

    Are you eligible for the arranged overdraft offer?

    To qualify for the interest-free offer you must:

    • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Halifax account
    • Have not used the offer within the last 12 months
    • Have applied, and been approved for an arranged overdraft on your new Halifax account

    Any questions on the switcher overdraft offer? Just call us on 0345 720 3040 Lines are open 8am – 8pm, seven days a week.
    Not all Telephone Banking services are available 24 hours a day, seven days a week.

    How do you apply for an arranged overdraft?

    At the end of your current account application process, we may offer you an arranged overdraft. If we do, we'll tell you the maximum amount you can have and you can add it right away. You can also apply for one later.

    What happens if I am overdrawn and want to switch?

    We will show you the maximum amount of arranged overdraft we can offer you before you complete your switch request form, if we are unable to offer you the full amount you will need to make arrangements with your bank to pay back the remaining amount. If you've already got a current account with us you can log onto Online or Mobile Banking and see if there is an option to extend your arranged overdraft.

Why get a bank account with Halifax?

Secure Mobile Banking app

Everyday banking on the go where you can:

  • View account statement and search transactions
  • View card details - instantly view your card information and use it for online shopping
  • Report a card as lost or stolen or temporarily freeze it
  • View pin
  • Sign in securely using fingerprint or Face ID with a compatible device

Get it on Google PlayDownload on the App Store

 

 

Step by step guide to setting up the app

Debit cards

When you open a bank account with Halifax you will receive a contactless VISA debit card. Learn more about how debit cards work and how to get the most out of yours below.

Debit cards

Contactless cards

Overdrafts

An overdraft act as a short-term safety net that you can use to borrow money up to an agreed limit through your bank account.

You can apply for an arranged overdraft with the following accounts:

  • Current Account
  • Reward Current Account
  • Ultimate Reward Current Account
  • Student Account
 

All overdrafts are subject to our assessment of your circumstances and are repayable in full on demand. You must be aged 18 or over to apply.

Overdraft details

Service Quality Information for personal current accounts

The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.

General bank account enquiries

View our straightforward guides offering information to help meet your banking needs.

Rates and fees

Find information about account fees, reward payments, overdrafts and more.

We use a range of third party providers for the Ultimate Reward Current Account benefits. For full details of the benefits, policies, account terms and conditions and the range of third party providers we use, please read the Getting Started Guide (PDF, 1.4MB).

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK.

Whether you can have an arranged 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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS). For further information about the compensation provided by the FSCS, refer to the FSCS website at www.fscs.org.uk. You can also visit our Financial Services Compensation Scheme page for more details.

The Mobile Banking app is available to Online Banking customers with a UK personal account and valid registered phone number. Our app is available on devices running iOS or Android. (the app is not compatible with some older versions of the operating systems – check the App Store or Google Play for more details). Our app does not work on jailbroken or rooted devices. Device registration required. Terms and conditions apply. Mobile Banking services may be affected by phone signal.