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All of our bank accounts have 24/7 Mobile Banking and Online Banking. You can also visit us in branch or contact us through telephone banking. Apply online today in minutes.
If you hold an account elsewhere, you can switch to us within just 7 working days with the Current Account Switch Service.
Current account
£0 monthly fee
- Get up to 15% cashback with Cashback Extras from selected retailers.*
- Save money on the go with Save the change®. **
- Access to all the great app features.
- Option to apply for an arranged overdraft.***
*Retailer offers and cashback amounts vary
** We'll round up debit card spend and transfer the change to your nominated Halifax savings account.
***All overdrafts depend on our assessment of your circumstances and are repayable on demand.
Reward current account
£3 monthly fee
Refunded each month you pay in £1,500 or more.
All the benefits of Current Account, plus
- Preferential travel money rates.
- Exclusive savings offers. You'll get exclusive access to our Reward Bonus Saver and ISA Reward Bonus Saver accounts.
Reward Current Account is getting even more benefits soon –
- From 07 July 2025, no debit card fees from us when using your Reward Current Account debit card abroad.
- From 01 October 2025, you could start earning monthly credit interest on balances up to £5,000.
Read the guide to changes (PDF, 35KB) for more information.
Ultimate Reward current account
£19 monthly fee
All the features you get with the Halifax Reward Current Account, plus
- Worldwide multi-trip family travel insurance.
- AA Breakdown Family Cover for UK-wide roadside assistance.
- Mobile phone insurance for unexpected damage or loss.
- Home emergency cover.
Student current account
£0 monthly fee
Available if you’re aged 18 or over, and on a degree course or equivalent full-time education.
All the benefits of Current Account, plus
- Get up to £1,500 interest-free overdraft while you study, plus 3 years after you graduate.*
*If you use more than your interest-free overdraft amount, the rate will depend on how you manage your accounts with us and your credit history. We’ll let you know your rate upfront if you apply. All overdrafts depend on our assessment of your circumstances and are repayable on demand.
Money Smart
£0 monthly fee
Our current account and savings account for 11 -15-year-olds.
- A visa debit card.
- Parent or legal guardians can see account activity.
- Handy Money Smart tips to help with spending and saving.
- Interest on savings account: 3.10% AER (3.06% gross variable) on balances over £1 and 1.15% AER (1.14% gross variable) on balances over £1,000.
- No overdraft available.
Expresscash account
£0 monthly fee
Current account for 11- 17-year-olds.
- Contactless VISA debit card.
- Online & Mobile Banking.
- Earn interest on savings – Up to 0.50% AER on balances (eligibility depends on when the account was opened).
- Mobile alerts with real-time notifications to track spending and balances.
- No overdraft available.
Basic account
£0 monthly fee
Our account for customers who are ineligible for our other current accounts.
- Contactless VISA debit card – Easy, secure payments in-store and online.
- Essential banking access – Manage your money with confidence.
- No overdraft available – Helping you stay in control of your spending.
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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.
For more information and FAQs, please read the Account Switching Guide (PDF, 1.7MB).
* 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:
|
£0 for 7 days |
£0 for 30 days |
£0 for 60 days |
