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
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.
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)
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.
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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
£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:
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
Ready to apply for a Current Account?
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)
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.
