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. Find out more with our account opening guide.

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

Current Account

£0

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 overdraft facility available

Find out more about our arranged overdrafts

Find out more

Reward Current Account

No fee* or £3

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

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 overdraft facility available

Find out more about our arranged overdrafts

Find out more

Ultimate Reward Current Account

£17

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 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

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 Extras7. Merchant offers and cashback amounts vary
  • 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

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 interest 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

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


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


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


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


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 interest 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

* Representative Example (based on using a Student account)

A variable representative rate of

A variable interest rate of

Based on borrowing

0% APR

0% EAR*

£1,200


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:


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 CalculatorEligibility 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.


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.
2 Provided and underwritten by AXA Insurance UK plc.
3 AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
4 Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
5 Home emergency cover underwritten by Inter Partner Assistance S.A.
6 Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).
7 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.

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