Reward current account.

The simple bank account that rewards you each month

Free everyday banking

No monthly maintaining the account fee with this account.

Just stay in credit and you won't be charged any daily arranged overdraft fees.

Mobile alerts are also available if you'd like help to stay in credit.

Eligible account for Save the Change® - save your pennies when you spend.

A £2 monthly reward

Get £2 each month when throughout the previous calendar month you:

  • pay in £750 or more and;
  • pay out a minimum of 2 different direct debits and;
  • stay in credit.

If in any month you miss out on the £2 reward, don’t worry you'll still get free everyday banking, so long as you stay in credit.

Earn up to 15% cashback when you shop

With a wide range of retailers, including clothes stores, DIY outlets and restaurants, your Cashback Extras are constantly updated so check back regularly.

To qualify for Cashback Extras you need to be over 18, have a Halifax Bank Account, a Halifax debit and/or credit card and be registered for Online Banking. Merchant offers and cashback amounts vary. Terms and Conditions apply.

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 a daily arranged overdraft fee if you use it.

- If you use your arranged overdraft but pay it back before midnight the same day, then you won’t pay an arranged overdraft fee 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 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 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.

Six month fee-free arranged overdraft

Switch to us and get an arranged overdraft with no fees for six months. We may offer you an overdraft at the end of your application and if we do we’ll tell you the maximum amount you can borrow. If you choose to apply for it you won't pay fees when you use your overdraft for the first six months. After the six months are up, you'll pay a daily arranged overdraft fee to use your overdraft.

All overdrafts are repayable on demand, so make sure it's right for you before you apply for one.

Find out more about overdrafts

Easy access to your money

Manage your account with Online, Mobile and Telephone Banking. And access to any of our branches.

Also pay for good and services easily and conveniently with a VISA debit card with contactless payments.

Upcoming Changes

Reward Current Account Changes

We’re changing the Reward Current Account soon. This is what’s changing from 1 July 2020:

  • There’ll be a £3 monthly maintaining the account fee, with no fee if you pay in at least £1,500 in the previous month.
  • We're removing the £2 reward payment.
  • You'll get access to Reward Extras. Choose an offer and for 12 months you can earn either £5 or a lifestyle benefit for each month that you meet the conditions.

If you'd like to keep your Reward Current Account, call us on or before 12 June 2020 to let us know. If we don't hear from you, we’ll change you to a Current Account.

The Current Account has no monthly maintaining the account fee, but you won't get access to Reward Extras. Apart from the name there'll be no other changes to your account. For more information please read the Reward Current Account guide to changes.

Overdraft and Credit Interest Changes

On the 6th April we will be making changes to our bank accounts. Changes include how we charge for arranged overdrafts and reducing fee free amounts on accounts that have them. For accounts that earn credit interest, we will change the way it is calculated. For a full explanation please read the Overdraft and Credit Interest guide to changes.


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, including any fee.