Compare bank accounts.

We offer a range of bank accounts to suit different needs. Whether you need a simple day-to-day account, one with extra benefits,Current Account Switch Guarantee or even your first bank account, we’ve got an account that may be right for you.

And it's quick and convenient to switch to us within just 7 working days when using our Current Account Switch Service.

Bank account

Monthly fee

Features & benefits

Overdraft1

Reward Current Account

£0

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won’t have to pay daily overdraft fees.
  • Earn £3 each month that you pay in £750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the £3 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £3 in future month (when you meet the qualifying requirements)
  • 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 Extras8. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Daily overdraft fee:
1p per £7 borrowed

Find out more about our overdrafts

Find out more

£75 Switch offer

£75 extra when you switch.

Ultimate Reward Current Account


Please note: From the 1st July 2018, we are making some changes to this account.
The Ultimate Reward Current Account monthly account fee will increase from £15 to £17 per month. However if in the previous calendar month you pay in £750 or more, pay out at least two different direct debits and stay in credit each day during the month – a discounted monthly account fee of £14 will apply.
The Mobile Phone Insurance excess will also change to £100 for all handsets and claim types.
You will also be limited to 2 successful Mobile Phone Insurance claims per account holder in a 12 month period.
Full details of these changes and others can be found in the Guide to Changes.

£15 a month or £12 if you meet the lower monthly fee criteria2

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 account fee

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance3
  • AA Breakdown Cover4
  • Mobile phone insurance5
  • Home emergency cover6
  • Card Cancellation7

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 Extras8. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Up to £300 fee-free overdraft

If you are upgrading and don’t already have a Planned Overdraft you can apply for one once you complete this application.

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

Daily overdraft fee:
1p per £7 borrowed (on overdrawn balances above £300)

Find out more about our overdrafts

Find out more

£75 switch offer

£75 extra when you switch.

Student Current Account

£0

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

  • An interest-free planned 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 Extras8. Merchant offers and cashback amounts vary.

Up to £1,500 fee-free overdraft


Daily overdraft fee:
1p per £7 borrowed (on overdrawn balances above £1,500)

Find out more about our overdrafts

Find out more

Expresscash (11-17 years old)

£0

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
  • Credit interest on your account on any credit balance
  • Mobile alerts

N/A - No overdraft is available on this account

Find out more

Basic Account

£0

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

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

N/A - No overdraft is available on this account

Find out more


Monthly fee

£0

Features & benefits

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won’t have to pay daily overdraft fees.
  • Earn £3 each month that you pay in £750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the £3 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £3 in future month (when you meet the qualifying requirements)
  • 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 Extras8. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Overdraft1

Daily overdraft fee:
1p per £7 borrowed

Find out more about our overdrafts

Find out more

£75 Switch offer

£75 extra when you switch.

Ultimate Reward Current Account


Please note: From the 1st July 2018, we are making some changes to this account.
The Ultimate Reward Current Account monthly account fee will increase from £15 to £17 per month. However if in the previous calendar month you pay in £750 or more, pay out at least two different direct debits and stay in credit each day during the month – a discounted monthly account fee of £14 will apply.
The Mobile Phone Insurance excess will also change to £100 for all handsets and claim types.
You will also be limited to 2 successful Mobile Phone Insurance claims per account holder in a 12 month period.
Full details of these changes and others can be found in the Guide to Changes.


Monthly fee

£15 a month or £12 if you meet the lower monthly fee criteria2

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 account fee

Features & benefits

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance3
  • AA Breakdown Cover4
  • Mobile phone insurance5
  • Home emergency cover6
  • Card Cancellation7

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 Extras8. Merchant offers and cashback amounts vary.
  • Mobile alerts.

Overdraft1

Up to £300 fee-free overdraft

If you are upgrading and don’t already have a Planned Overdraft you can apply for one once you complete this application.

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

Daily overdraft fee:
1p per £7 borrowed (on overdrawn balances above £300)

Find out more about our overdrafts

Find out more

£75 switch offer

£75 extra when you switch.


Monthly fee

£0

Features & benefits

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

  • An interest-free planned 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 Extras8. Merchant offers and cashback amounts vary.

Overdraft1

Up to £1,500 fee-free overdraft


Daily overdraft fee:
1p per £7 borrowed (on overdrawn balances above £1,500)

Find out more about our overdrafts


Monthly 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
  • Credit interest on your account on any credit balance
  • Mobile alerts

Overdraft1

N/A - No overdraft is available on this account


Monthly fee

£0

Features & benefits

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

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

Overdraft1

N/A - No overdraft is available on this account

About our switching offer

To qualify for the £75, use the Current Account Switch Service to transfer and close your old account held elsewhere. Excludes anyone who's had a cash back for switching to Halifax since January 2012. You’re still eligible to use the switch service if you don’t qualify for the switching offer.

You will only receive the £75 switching offer if you 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. You are not eligible if you are switching to a Basic Account or a Student Account.

We’re afraid you're not eligible for the offer if the bank you’re switching from doesn’t participate in the Current Account Switch Service. To find out if your bank participates, visit the Payments Council website.


Representative Example

For Ultimate Reward Current Accounts - if you use a Planned Overdraft of £1,200, then we’ll charge you a daily overdraft fee of £1.28. For Ultimate Reward Current Accounts, the daily overdraft fee on the first £300 is 0p.

If you have an Ultimate Reward Current Account and use your overdraft you will pay the £15 monthly account fee. If you stay in credit, pay at least £750 into your account each month and make two direct debits, you will receive a discount of £3, reducing your monthly account fee to £12.

For Reward Current Account and Current Accounts - if you use a Planned Overdraft of £1,200, then we’ll charge you a daily overdraft fee of £1.71.


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.


1 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, including any fee.
2 The Ultimate Reward Current Account will cost £15 a month. However, if in the previous calendar month you pay in £750 or more and pay out at least 2 different direct debits and remain in credit you’ll pay the lower monthly account fee of £12. You’ll also need to keep your account open/not change it to a different type of current account until the fee is due to be debited (by the second working day of the following calendar month).
3 Provided and underwritten by AXA Insurance UK plc.
4 AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
5 Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
6 Home emergency cover underwritten by Inter Partner Assistance S.A.
7 Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).
8 To 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 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, including any fee.

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