Current Account

Our Halifax Current Account allows you to manage your money 24/7, at home or on the go - a free everyday banking option.

Compare our full range of current accounts and apply online today.

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
  • Contactless payments - pay, tap & go with a Visa Debit Card up to £100. You can now use our mobile banking app to choose a contactless payment limit between £30 & £95. You can also add your card to Apple Pay and Google Pay
  • 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
Halifax Current Account Card Image
Halifax App image

Manage your current account with our 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.

Apple Pay logo
Google Pay logo
Pay on your phone

Before you apply, have you seen the other accounts we have to offer?

Ultimate Reward Current Account - Travel insurance, mobile phone insurance, AA breakdown cover and more. All for a £17 monthly fee to maintain the account.

Ultimate Reward Current Account

Reward Current Account - Everyday banking and you’ll earn a reward each month you meet a set of conditions. You may need to pay a £3 monthly fee to maintain the account, this is waived each month you pay in at least £1,500 to your account.

Reward Current Account

From 1st November we are making changes to some of our terms and conditions and updating them to make them easier to understand. For more information please read the Guide to Changes (PDF)

How to apply for a current account

To open a current account we'll need a few documents and details to help identify you:

  • Proof of identity. You will need to be able to provide proof of identity
  • Personal details. Title, full name, date of birth, gender, marital status, nationality
  • Address details. Home address and how long you have lived there
  • Contact details. Your phone number and email address
  • Finances. Your income and what you will use the account for
  • Overdraft. Whether you want to set up an arranged overdraft

Find out more about how to open a current account online

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.

  • You can apply to add an arranged overdraft to your account 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.

Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.

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. Using an arranged overdraft increases your overall borrowing and may affect your credit score.

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.


  • Arranged overdraft details

    • £0 interest free amount
    • 39.9% EAR (variable) representative
    • Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
    • No unarranged overdraft interest, fees or charges

    Representative example

    Representative Example

    A variable representative rate of

    A variable interest rate of

    Based on borrowing

    A variable representative rate of

    39.9% APR

    A variable interest rate of

    39.9% EAR*

    Based on borrowing


    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:

    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

    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 Calculator Eligibility Tool

    *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 for a Current Account?

I’m new to Halifax

If you’re a new customer, the next page will give you more detail on how to apply.

I'm a new customer

I’m an existing Halifax customer

You can open a new account or change an existing account by signing into Online Banking. You can also switch in to your existing account.

I'm an existing customer

For more information and terms & conditions for this current account, read the Bank Account Getting Started Guide (PDF, 1.1MB)

For more information about the fees associated for Payment Services with this account please see the Current Account Fee Information Document (PDF, 154KB)

Speak to us in person

Halifax have around 800 branches in the UK. If you would prefer to see us in person, just pop into your local branch.

You can also call us on 0345 720 3040 from 8am – 8pm, seven days a week.
Not all Telephone Banking services are available 24 hours a day, seven days a week.

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.

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.