Ultimate Reward Current Account

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 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

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 kids

Student Current Account

Compare our youth and student accounts

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
  • 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.
  • 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

    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.

Set up the 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

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.

Debit cards with more.

Cashback, Contactless payments, Apple Pay or Google Pay. There’s more to our cards than a little bit of plastic.

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.