Current Account
Free everyday banking. Manage your money 24/7, at home or on the go. It's that simple.
What you get with a Current Account
- Free everyday banking - no monthly fee for maintaining the account.
- Get up to 15% Cashback - earn as you shop with Cashback Extras. Merchant offers and cashback amounts vary
- Tap, pay and go - with your contactless VISA debit card
- Save the change® - round up your card payments and put the change in your Halifax savings account
- Mobile alerts - to help you keep track of your money


Top rated mobile banking app
Join millions of customers who use our app for their everyday banking. It's simple, safe and packed with great features to save you time.
- Quick, secure sign in - with the option to use Touch ID or Face ID
- Fast, easy payments - pay people and bills on the go, even people you haven't paid before
- Freeze your card - if you lose it or want to limit how it's used
- Pay in cheques - just do it in the app and save yourself a trip to the bank
- Update your details - no need to call us, change your address or phone number any time in the app
- Call us through the app - we'll know it's you, so we can get right to helping you without the usual security checks
Pay on your phone
You can use Apple Pay or Google Pay with your Halifax debit card to make mobile payments.



Arranged overdraft
An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.
- Setting up an arranged overdraft is free and you’ll only pay daily arranged overdraft interest if you use it.
- If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.
- Applying for an arranged overdraft – When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.
- Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Online Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. This application won't affect your credit score.
- Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.
If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
Representative example
A variable representative rate of |
A variable interest rate of |
Based on borrowing |
---|---|---|
A variable representative rate of39.9% APR |
A variable interest rate of39.9% EAR* |
Based on borrowing£1,200 |
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:
|
|
|
---|---|---|
£3.22 for 7 days |
£13.86 for 30 days |
£28.09 for 60 days |
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.
Find out more about arranged overdrafts
If you already have a current account with us and would like an arranged overdraft, you can apply for one through Online Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft too.
Apply for an arranged overdraft
Ready to apply? Choose the right option for you below.
Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK.
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.