Compare Current Accounts

We offer a range of current accounts to suit different needs.

Whether you’re looking for an account with benefits or need a basic account for day-to-day spending, we have a range of current accounts to suit your needs.

Explore and compare our available current accounts below, to find the one that suits you and apply online today. It’s quick, simple and you can switch to us within just 7 working days with the Current Account Switch Service.

Current Account Switch Guarantee

Compare bank accounts

Current account

Monthly maintaining the account fee

Features & benefits

Arranged Overdraft1

Current account

Monthly maintaining the account fee

£0

Features & benefits

Free everyday banking. Manage your money 24/7, at home or on the go. It's that simple.

  • Keep your balance at £0 or above and you won’t pay daily arranged overdraft interest
  • A VISA debit card
  • Access to our Online Banking, the Mobile Banking app, 24-hour phone support, as well as all our branches
  • Earn up to 15% cashback with Cashback Extras7. Merchant offers and cashback amounts vary.
  • Mobile alerts to help you keep track of your money.

Arranged Overdraft1

  • Arranged overdraft facility available

Find out more about our arranged overdrafts

Current account

Monthly maintaining the account fee

No fee* or £3

* We'll waive the £3 monthly maintaining the account fee in any month you pay in £1,500 or more.

Features & benefits

Get more from your account with a monthly reward

Choose one of the Reward Extras offers:

  • Two digital movie rentals
  • Three digital magazines
  • One cinema ticket
  • £5 cash
Get rewarded for each month that you meet the offer criteria:
  • Pay £1,500 or more into your account each month (a £3 monthly maintaining the account fee will apply for each month you pay in less, and you’ll not receive the rewards for that month)
  • Stay in credit
  • Spend £500 each month on your debit card OR keep £5,000 or more in your account every day for a month
Plus all the standard features you'd expect:
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras7. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Arranged Overdraft1

  • Arranged overdraft facility available

Find out more about our arranged overdrafts

Current account

Monthly maintaining the account fee

£17

Features & benefits

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance2
  • AA Breakdown Cover3
  • Mobile phone insurance4
  • Home emergency cover5
  • Card Cancellation6
Access to Reward Extras
  • Add a Reward Extra offer to your account to get £5 or a lifestyle benefit each month that you meet the offer criteria. Find out more.

Plus all the standard features you'd expect:

  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras7. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Arranged Overdraft1

  • Arranged overdraft facility available

If you are upgrading and don’t already have an arranged overdraft you can apply for one once you complete this application.

Applying for this product does not improve your eligibility for an arranged overdraft.

Find out more about our arranged overdrafts

Find out more

 

Things to think about
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly maintaining the account fee.

Current account

Monthly maintaining the account fee

£0

Features & benefits

Our account for full time students (over 18 years old):

  • An interest-free arranged overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
  • Mobile alerts
  • Earn up to 15% cashback with Cashback Extras7. Merchant offers and cashback amounts vary

Arranged Overdraft1

  • Arranged overdraft facility available

Up to £1,500 interest-free arranged overdraft *

 

Daily arranged overdraft interest:
The daily arranged overdraft interest rate for using your arranged overdraft, over your interest free amount is based on how you manage any accounts you have with us and on the credit information we hold about you. We will let you know your rate in the pre contract credit information we give you if you apply for an arranged overdraft.

Find out more about our arranged overdrafts

Current account

Monthly maintaining the account fee

£0

Features & benefits

Our youth account:

  • A VISA debit card with access to thousands of cash machines
  • Access to bespoke youth Online Banking and the Mobile Banking app
  • For accounts opened before 23 August 2021 - Earn interest on your account of 0.50% AER (0.50% gross p.a.) variable on balances between £1 and £2,499.99. We do not pay interest on amounts of £2,500 or more

    For accounts opened on or after 23 August 2021 - Earn interest on your account of 0.50% AER (0.50% gross p.a.) variable on balances between £1 and £999.99. We do not pay interest on amounts of £1,000 or more
  • Mobile alerts

Arranged Overdraft1

N/A - No overdraft is available on this account

Current account

Money Smart (11-15 years old)

As part of Money Smart, the child gets a current account and a savings account.

Money Smart debit card

 

Monthly maintaining the account fee

£0

Features & benefits

Our current account and savings account for 11 to 15 year olds:

  • A VISA debit card
  • Parent or legal guardian has visibility of account activity
  • Dedicated Money Smart hints and tips
  • Interest is earned on savings account only. Earn 1.00% AER/gross variable on balances over £1. 0.01% AER/gross variable on balances over £1,000.

Arranged Overdraft1

N/A - No overdraft is available on this account

Current account

Monthly maintaining the account fee

£0

Features & benefits

An account for customers who are ineligible for our other current accounts.

  • Free everyday banking with no monthly fees, or interest for accidentally going overdrawn
  • Contactless VISA debit card
  • Access to our Online Banking, the Mobile Banking app, Telephone Banking and Mobile alerts

Arranged Overdraft1

N/A - No overdraft is available on this account

What is a current account?

A current account is a place to pay in and manage your money.

It’s a regular bank account and you can use it to withdraw, deposit, pay bills, save money and make payments.

Most jobs will pay your salary into a current account.

You may be able to add an arranged overdraft to a current account. You can use this to borrow money and pay it back when you need to.

How does a current account work?

Your money is stored securely in your account and you can access it whenever you want.

You can use a current account to pay regular bills, by setting up Direct Debits and standing orders.

You’ll be provided with a contactless VISA debit card when you open a current account.

You’ll also get access to our mobile app and online banking to help manage your money.

What to look for when comparing current accounts?

Current accounts offer a range of extras and benefits. They can be much more than just a place to store and manage your money.

You’ll want to compare current accounts to see which ones best suit your budgets and your lifestyle. Some of the factors you should consider include:

  • Interest rates. Can I earn interest on this account?
  • Monthly fees. Will you be charged a monthly maintaining the account fee for having the account?
  • Rewards. Does the current account include rewards?
  • Insurance benefits. Is the account a packaged bank account with insurance benefits included?
  • Arranged overdraft. Do you need an arranged overdraft and does the account offer one?
  • Cashback. Does your account offer money back on your monthly bills and daily spending?
  • Mobile banking. Banking on the go is much easier with a mobile. Does your account have access to a mobile banking app?
  • In-branch banking. Is banking in branch available with this account?

  • 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.

    Current Account Switch 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.

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

    Crystal Mark 20785. Clarity approved by Plain English Campaign.

* Representative Example (based on using a Student account)

Representative Example (based on using a Student account)

A variable representative rate of

A variable interest rate of

Based on borrowing

A variable representative rate of

0% APR

A variable interest rate of

0% EAR*

Based on borrowing

£1,200

This example assumes you are in the second year of your studies

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:

Interest cost of borrowing £500

£0 for 7 days

£0 for 30 days

£0 for 60 days

Useful tools

You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time. Check your eligibility and calculate the cost of an arranged overdraft:

Cost Calculator Eligibility Tool

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.

*EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

Making sure you get a fair deal

We want you to find a product that's right for your circumstances, which is why we adhere to the Standards of Lending Practice, which are monitored and enforced by the Lending Standards Board. 

To find out more you can read the statement of responsibilities, which details what's expected of us, the lender and you the borrower.

1Whether 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.
2Provided and underwritten by AXA Insurance UK plc.
3AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
4Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
5Home emergency cover underwritten by Inter Partner Assistance S.A.
6Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).
7To be eligible for Cashback Extras you need to be over 18, have a Halifax current account, a Halifax debit and/or credit card and be registered for Online Banking. Once you’ve activated Cashback Extras, just activate each offer to earn cashback on your next purchase.

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over.

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

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