Get more from your bank account with a monthly reward.

You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

Each year choose one monthly reward

Select from

  • £5 in your account

Paid direct into your account

  • 1x Cinema Ticket

See a film on us at any UK Vue Cinema (each ticket is valid for 12 months)

  • 3x Digital Magazine

Choose from popular titles such as Cosmopolitan and Men's Health

How to qualify for a monthly reward

Choose to either

  • Spend £500 on your debit card each month; or
  • Keep £5000 or above in your account each day of the month

And

  • Pay in £1500 or more into your account each month
  • Stay in credit (keeping your balance at £0 or above)

To find out more take a look at our section on Reward Extras.

With a Reward Current Account you get

Exclusive Savings offers

  • Reward Bonus Saver - 4.00% AER/3.93% gross variable interest if you make three or less withdrawals or 1.35% AER/1.34% gross variable if you make four or more withdrawals
  • ISA Reward Bonus Saver - 4.00% AER/3.93% tax free variable interest if you make three or less withdrawals or 1.35% AER/1.34% tax free variable if you make four or more withdrawals

More about Savings offers

Other banking offers

  • Cashback Extras - Up to 15% cashback from selected retailers. Merchant offers and cashback amounts vary.
Other exclusive reward account offers:
 
  • Preferential travel money rates
  • Money Smart - A no fee spend and save account for 11-15 year olds
  • Family boost mortgage

More about banking offers

    • Quick, secure sign in - with the option to use fingerprint or other biometrics on compatible devices
    • Freeze your card - if you lose it or want to limit how it's used
    • Cheque scanning - pay in cheques of up to £10,000 in to your account by simply taking a photo of your cheque and uploading to the app. There is a maximum daily limit of £10,000 per day
    • Check your credit score - register to use Your Credit Score using Online Banking or our Mobile Banking app
    • Mobile alerts - you'll get alerts straight to your phone so you can stay up to date on your finances
    • 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

Open a Reward Current Account today

Download the app to apply

Get a decision within 8-10 minutes

  • Scan the QR code and join the millions of Mobile Banking app users
  • Apply for a new bank account
  • Change your existing Halifax current account

 

Apply on the website

I'm a new customer

I'm an existing customer

Image of Halifax Mobile Banking app and QR code

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money together.

 

More about joint accounts

Mobile phone showing Halifax Mobile Banking app

Download the app to apply

Get a decision within 8-10 minutes
 
  • Join the millions of Mobile Banking app users
  • Apply for a new bank account
  • Change your existing Halifax current account

Apply with our app

 

Apply on the website

I'm a new customer

I'm an existing customer

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money together.
 

More about joint accounts

Still need some more information?

  • Switch to us in seven working days

    Switching to us is quick and easy. Just fill in our simple online form and let us take care of the rest.

    With the Current Account Switch Service, we'll switch your accounts within seven working days. And we handle all the admin - we'll set up your new account, transfer your Direct Debits, and close down your old account for you.
     

    How does the Current Account Switch Service work?

    Current Account Switch Guarantee

    Day 1

    New Customers
    Apply for a new current account and select to switch.

    Existing Customers
    Sign in and complete our switching form.

    Days 1-6

    You can continue to use your old account and your Halifax account.

    We will transfer all your standing orders, direct debits, payments and wages from your old account to your selected account.

    Day 7

    Switch complete.

    We will close your old account and move any funds to your Halifax account. 

    6 months 0% interest free arranged overdraft when you switch

    To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

    To qualify for the interest-free offer you must:

    • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Halifax account.
    • Have not used the offer within the last 12 months.
    • Have applied, and been approved for an arranged overdraft on your new Halifax account.

    What happens after the 0% interest free period ends?

    Once your six month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

     

    Representative example (based on using a Reward Current Account)

    An arranged overdraft on a Reward Current Account has a variable interest rate of 39.9% EAR, and a variable representative rate of 39.9% APR, 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 and £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.

  • We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

    • The service is free to use and you can choose and agree your switch date with us.
    • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
    • If you have money in your old account, we will transfer it to your new account on your switch date.
    • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
    • If there are any issues in making the switch, we will contact you before your switch date.
    • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

    For more information and FAQs, please read the Account Switching Guide (PDF 1.7MB).

    Current Account Switch Guarantee
    Crystal Mark 20785. Clarity approved by Plain English Campaign.
  • Reward Bonus Saver

    • This account is ideal for people who don’t need to make regular withdrawals, as you earn a higher interest rate if you make fewer withdrawals.
    • Open with just £1.
    • Earn 4.00% AER/3.93% gross variable interest if you make three or less withdrawals or 1.35% AER/1.34% gross variable if you make four or more withdrawals.
    • Withdraw your money when you need it without charge.

    More about Reward Bonus Saver

     

    ISA Reward Bonus Saver

    • This account is ideal for people who don’t need to make regular withdrawals, as you earn a higher interest rate if you make fewer withdrawals.
    • Open with just £1.
    • Earn 4.00% AER/3.93% tax free variable interest if you make three or less withdrawals or 1.35% AER/1.34% tax free variable if you make four or more withdrawals.
    • Withdraw your money when you need it without charge.

    More about ISA Reward Bonus Saver

     

    Back to the top

  • 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.
     

    Please read our important information on overdraft rates and charges
     

    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

    Helpful 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

     

  • Cashback Extras

    co op, costa, hilton and sky logos


    Whether it's the weekly shop, popping out for lunch or hitting the high street, Cashback Extras makes it easy to earn up to 15% cashback. The offers you get will come from places you might like to try, as well as places where you already shop. Merchant offers and cashback amounts vary. The retailers above are just some of the offers you may receive, merchant offers and cashback amounts vary

    • Quick and convenient - select to activate your offers using our mobile banking app or Online Banking.
    • Spend and earn - Use any of your Halifax debit or credit cards with your chosen retailers, in store or online, in line with the offer conditions. Your cashback will be paid into your current account at the end of the following month.
    • Straightforward - you can keep track of the amount of cashback you've earned by visiting the Cashback Extras hub.
    For more information visit Cashback Extras.
     
    Manage your Cashback Extra offers using our Mobile Banking app or Online Banking.
     

    Family Boost Mortgages

    Access to our Family Boost mortgages –  this means your family could help with your deposit by putting 10% of the agreed property purchase price into a 3 year fixed term savings account.

     

    Save the Change

    Struggling to save? We’ve come up with a simple way to turn your pennies into pounds

    Switch on Save the Change® and when you buy something with your Halifax debit card, we’ll round up the amount to the nearest pound. At the start of the next working day, we’ll transfer the difference into your nominated Halifax savings account.

    For example, if your coffee costs £2.20, we’ll transfer 80p from your current account into your savings account.

    It’s a clever feature that takes your leftover change and builds it into bigger savings.

    Find out more about Save the Change

    Switch on Save the Change

     

    Money Smart

    Money Smart is our bank account and savings account for 11 to 15 year olds with parental oversight. They get their own bank account and savings account and a contactless Visa debit card. Plus, there are no monthly fees and you get full visibility of your child’s account activity through our Mobile Banking app or Online Banking.

    To open Money Smart with your child you must:

    • be 18 or over and your child be between 11 and 15 years old
    • have an existing Ultimate Reward Current Account or Reward Current Account
    • have an existing Kids' Saver or Kids' Monthly Saver for the child
    • be registered for Online Banking
    • both be living at the same UK address. If you or the child live outside the UK, you won’t be able to open an account for them.

    More about Money Smart

     

    Back to the top

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

    For more information read the Reward Extras Terms and Conditions (PDF, 54KB)

    For more information on lifestyle benefits, read the Lifestyle Benefits Terms and Conditions (PDF, 312KB)

More information about additional account benefits

  • Rakuten logo, magazine images, vue logo

    You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

    Choose between:

    • 3 x Digital Magazines - Choose from popular titles such as Cosmopolitan and Men's Health
    • 1 x Cinema Ticket - See a film on us at any UK Vue Cinema (each ticket valid for 12 months)
    • £5 in your account - Paid direct into your account

    How to qualify

    If you do all of the three things below each calendar month you’ll earn your chosen reward monthly.

    • Hold a Reward Current Account and paying £1,500 or more into your account each month. (a £3 monthly fee will apply for each month you pay in less, and you’ll not receive the rewards that month)
    • Stay in credit
    • Spend £500 or more each month on your debit card OR keep a £5,000 or more daily balance

     


    Magazine Subscriptions

    Choose three digital magazine from a host of well-known titles. The magazines currently available are:

      Cosmopolitan

      Country Living

      ELLE

      ELLE Decoration

      Esquire

      Good Housekeeping

      Harper’s Bazaar

      House Beautiful

      Men’s Health

      Prima

      Red

      Runner’s World

      Women’s Health

    How does it work?

      A code will be sent via email to your registered email address with instructions on how to choose and access your magazines

      Codes are valid for 12 months from the date of issue

      Magazines can be read online or offline, through your internet browser, smartphone or tablet

       


    Cinema Tickets

      Enjoy one free cinema ticket each month to catch the latest blockbusters at Vue cinemas across the UK

      You’ll also get a code for half price popcorn

      You can use the cinema voucher for 2D, 3D or Xtreme films screenings. If there are any VIP seats available at your screening, then you'll get a free upgrade too

      Codes are valid for 12 months, so you can save them for a film you’ve been waiting for

    How does it work?

      A ticket voucher code will be sent via email to your registered email address and can be used to make bookings online at www.myvue.com or at the box office at any Vue cinema in the UK only

      Voucher codes are valid for up to 12 months from the date of issue and are not subject to time extensions

      Voucher codes can be used to make bookings for 2D, 3D & Xtreme screenings any day of the week. No additional booking costs apply

      Additional upgrade fees will apply

       


    £5 Cash

      You can earn up to £5 each calendar month – that’s up to £60 a year

      You can keep on top of your progress for each monthly £5 offer by using the Reward Extras Tracker

    How does it work?

      As long as you meet the criteria for Reward Extras and have selected the £5 benefit, you don’t need to do anything else

       

      Back to the top

  • How do I know if I'll get my reward each month?

    Use the Reward Extras Tracker to check if you’re on course to get your reward each month.

    You can find the tracker under your account options in Online Banking and the Mobile Banking App.

     

    When will I get my reward?

    If you’ve done all the things we asked of you at the end of the month, you’ll get your reward around the 12th of the following month.

    If you’ve selected a lifestyle benefit, you’ll receive the offer each month to your registered email address.

    If you’ve selected the £5 offer, we’ll pay it into your account and it’ll appear on your statement. It’s as simple as that.

     

    What kind of spending counts towards the offer?

    There are a few payments which don’t count for Reward Extras offers:

    • When you take cash out of a cash machine, branch or Post Office counter.
    • When you make a money transfer to another account.

    Any payments being queried or disputed won't count towards the £500 or £5,000. And we’ll only count payments that leave your account by the last day of the month.

    But all purchases on your card count. This includes purchases you make online, in-store and abroad.

    You can also use digital wallets, like Apple Pay, Google Pay or similar schemes, as long as they’re linked to your registered debit card.

     

    Can I use this offer with a joint account?

    Yes. Each month you just need to meet the offer conditions with your joint account.

    Keep in mind, each joint account can only have one Reward Extras offer. You will only receive one benefit per account.

     

    How long does the offer last?

    All offers will last for at least 12 full calendar months from the day you choose to add it to your account. So if you added the offer on 10 July this year, it would end on 31 July next year. If you met the conditions for the £5 reward from 10 July to 31 July this year, then you'd still get £5 for July as well.

    Once you’ve added a Reward Extras offer, you can’t switch to another offer until the 12 months have passed.

    We’ll get in touch before your offer ends to let you know what will happen next.

     

    What happens if I close my account?

    You need to keep your account open to get your Reward Extras offer.

    If you close your account before you’re due to get your offer then you won’t get your reward, even if you met all of the conditions in the previous month.

     

    When does my offer start?

    Your offer will start on the day you add it to your account. If you’re renewing, it will start the day after the current one expires.

  • As a Reward Current Account customer you get preferential exchange rates when ordering travel money with Halifax.

    Ordering travel money online is simple and secure. If you order by 1pm your money will be sent to your home or local branch the next working day.

    More about travel money

     

    Back to the top

You might also like

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.
 

Current Account

Ultimate Reward Current Account

Travel insurance, mobile phone insurance, AA Breakdown Family Cover and more. All for a £17 monthly fee.
 

Ultimate Reward Current Account

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.

Current Account

Ultimate Reward Current Account

Travel insurance, mobile phone insurance, AA Breakdown Family Cover and more. All for a £17 monthly fee.

Ultimate Reward Current Account

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.

Download the statement of responsibilities (PDF 60KB)

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.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

Compare current accounts

We offer a range of current accounts to suit different needs.

Compare current accounts

Compare current accounts

We offer a range of current accounts to suit different needs.

Compare current accounts