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 maintaining the account fee

Features & benefits

Arranged 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 arranged overdraft fees.
  • Earn £2 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 £2 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £2 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 arranged overdraft fee:
1p per £7 borrowed

Find out more about our overdrafts

Find out more

£50 Switching

£50 when you switch

+

£85 switching

£85 after six months when you pay in at least £1,500 every calendar month. Additional T&Cs apply

Ultimate Reward Current Account

£17 a month or £15 if you meet the lower monthly maintaining the account 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 maintaining the 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 arranged overdraft

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.

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

Find out more about our overdrafts

Find out more

£50 Switching

£50 when you switch

+

£85 switching

£85 after six months when you pay in at least £1,500 every calendar month. Additional T&Cs apply

Student Current Account

£0

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 Extras8. Merchant offers and cashback amounts vary.

Up to £1,500 fee-free arranged overdraft


Daily arranged 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 of 0.50% AER/ 0.50% Gross variable on balances between £1 and £2,499.99. No interest will be paid on any part of your balance over £2,499.99
  • 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 maintaining the account 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 arranged overdraft fees.
  • Earn £2 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 £2 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £2 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.

Arranged Overdraft1

Daily arranged overdraft fee:
1p per £7 borrowed

Find out more about our overdrafts

Find out more

£50 Switching

£50 when you switch

+

£85 switching

£85 after six months when you pay in at least £1,500 every calendar month. Additional T&Cs apply


Monthly maintaining the account fee

£17 a month or £15 if you meet the lower monthly maintaining the account 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 maintaining the 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.

Arranged Overdraft1

Up to £300 fee-free arranged overdraft

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.

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

Find out more about our overdrafts

Find out more

£50 Switching

£50 when you switch

+

£85 switching

£85 after six months when you pay in at least £1,500 every calendar month. Additional T&Cs apply


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 Extras8. Merchant offers and cashback amounts vary.

Arranged Overdraft1

Up to £1,500 fee-free arranged overdraft


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

Find out more about our overdrafts


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
  • Credit Interest on your account of 0.50% AER/ 0.50% Gross variable on balances between £1 and £2,499.99. No interest will be paid on any part of your balance over £2,499.99
  • Mobile alerts

Arranged Overdraft1

N/A - No overdraft is available on this 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 charges for accidentally going overdrawn
  • A 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

About our £135 switching offer

You’ll get £50 for switching to us if you use the Current Account Switch Service to:
- transfer your account into a new or existing Halifax Reward Current Account, Ultimate Reward Current Account, (£17 monthly maintaining the account fee) or an existing Halifax Current Account
- close your old account.

You’ll get £85 six months after your switch date if you’ve:
- paid at least £1,500 into your switched Halifax current account each calendar month from your switch date
- made a payment using your Halifax debit card
- Signed-up for paper-free for letters and statements.

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

If you have an Ultimate Reward Current Account and use your arranged overdraft you will pay the £17 monthly maintaining the 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 £2, reducing your monthly maintaining the account fee to £15.

For Reward Current Account and Current Accounts - if you use an Arranged Overdraft of £1,200, then we’ll charge you a daily arranged 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 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, including any fee.
2 The Ultimate Reward Current Account will cost £17 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 will receive a discount of £2, reducing your monthly maintaining the account fee to £15. 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 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, including any fee.

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