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Benefits and rewards all in one place with our packaged bank account.
Get worldwide travel insurance, mobile phone insurance and AA Breakdown Family Cover.
£19 monthly fee.
Pre-existing medical conditions aren't covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.
You might want to visit the Money Helper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.
You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get rewarded.
You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.
Choose between:
How to qualify
Each month you meet your chosen set of conditions you’ll receive your reward by the 12th of the following month. If you choose a lifestyle benefit you’ll receive the offer to your registered email address. If you choose the £5 offer, we’ll pay it into your account and it’ll appear on your statement.
Choose either to:
or
You will also need to pay at least £1,500 into your account each month and stay in credit (keeping your balance at £0 or above).
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
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:
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.
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
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
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:
As an Ultimate 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 3pm your money will be sent to your home or local branch the next working day.
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.
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.
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.
For more information and FAQs, please read the Account Switching Guide (PDF 1.7MB).
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.
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.
Applying for this product does not improve your eligibility for an arranged overdraft.
All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.
A variable representative rate of |
A variable interest rate of |
Based on borrowing |
---|---|---|
A variable representative rate of 61.7% APR |
A variable interest rate of 39.9% EAR* |
Based on borrowing £1,200 |
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.
As an example, the interest cost of borrowing £500 is:
£2.87 for 7 days |
£12.42 for 30 days |
£25.18 for 60 days |
*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
For more information and terms and conditions for this account, read the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).
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)
You can now view your benefits, policy details and make a claim in the Mobile Banking app or via Online Banking. Simply sign in and head to the Account Benefits section. Learn more about account benefits.
What you're covered for
Don't forget:
You can access your packaged bank account benefits, view policy details and make a claim in the app and via Online Banking.
Cover is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.
Please note that these are just some of the important points - full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).
We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.
What you're covered for
The policy cover offers assistance at the roadside or at home if you or your eligible family member’s vehicle has broken down, whether as the driver or passenger.
There’s cover under the policy if your Ultimate Reward Current Account is open and you’re paying the monthly fee, This includes:
Mechanical breakdown - Assistance to deal with a breakdown on the road within the UK, Channel Islands and Isle of Man.
With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or, be temporarily living away from that address, but still within the UK (e.g. students).
Eligible family members will include your:
* including spouse, civil partner, fiancé/fiancée
** including stepparents, foster parents, father in-law, mother in-law
*** including brothers, sisters, brother in-law, sister in-law step-brothers, step sisters
**** including stepchildren, foster children, grandchildren, son in-law, daughter in-law
***** including aunts, uncles, nieces, nephews and first cousins
AA Breakdown Family Cover FAQ's
Please note:
The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.
We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.
AA Accident Assist
AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.
The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.
We have included the AA Accident Assist terms and conditions in the Ultimate Reward Current Account Getting Started Guide. The link is provided below. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.
Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).
Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:
Things to consider
You can register your mobile phone details with the insurer using Online Banking.
Instructions for registering your phone online:
If you don’t bank online, you can also register your phone by calling Membership Services.
Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.
Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).
We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.
Assurant provide a mobile device trade in service for UK resident Halifax customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.
Home Emergency cover helps you deal with unexpected things that need immediate action to ensure your home is safe and secure. You never know when you might have to deal with your central heating failing or a pipe bursting in your home. The policy includes cover for up to £250 for the provider to choose a professional to deal with your problem.
The policy only covers home emergencies which need immediate action to:
You are not covered if the home was left unoccupied for over 60 days.
If you need to make a claim, please note:
If you don't do this, your claim could be rejected.
Home emergency cover is underwritten by Inter Partner Assistance SA (IPA).
Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).
We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.
We want to make sure you know about our other bank account options. Here are some that might suit you.
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.
The insurance cover and other services that come with the Ultimate Reward Current Account Benefits Package are renewed every month and will end if: (i) your Ultimate Reward Current Account is closed; (ii) you fail to pay the monthly fee for the account; (iii) your account is changed to another type of account with us; (iv) your residential address is no longer in the UK. Any other insurance policies that you yourself have taken out at a discount as part of the benefits package will not be affected.
Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.