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Ultimate Reward Current Account

An account packed with benefits for a £17 monthly fee for maintaining the account.

If you’re an Ultimate Reward Current Account customer, please read our FAQs (PDF) for more information about the travel insurance which comes with your account and COVID-19. You can also use our handy travel disruption tool, for help if your travel has been disrupted.

Get travel insurance, mobile phone insurance, car breakdown cover and more, plus:

  • Earn £5 or a lifestyle benefit each calendar month - Choose a Reward Extras offer for your Ultimate Reward Current Account*
  • Cashback Extras - Earn as you spend as soon as you activate your offers online**
  • Contactless - Get a VISA debit contactless card
  • Save the change - Round up your card payments to the nearest pound to save as you spend
  • Mobile alerts - Help yourself stay in credit with our alerts

*You'll need to meet a set of conditions each month to get paid, take a look at our Reward Extras hub for more details.

**Find out more about Cashback Extras.

I'm ready to apply

Need to make a claim?  

Call 0345 124 1400 if you need to use your benefits. Select the benefits you are calling about and one of our team will be happy to help.

Existing customer queries

More details about your benefits

Worldwide multi-trip family travel insurance

Cover for you, your spouse or partner who you live with and children under 18, or under 24 if they’re in full time education. It includes cover for personal belongings, certain winter sports and golf trips.

Underwritten by AXA Insurance UK plc.

Important information

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 AXA directly to find out more.

If you have a serious or life threatening pre existing medical condition, the Money and Pensions Service (MaPS) has launched a new directory listing firms which could offer travel insurance for you. For more information access this directory here or phone MaPS on 0800 138 7777 (Mon – Fri 8am to 6pm). If this is relevant to you, please consider whether the travel insurance that comes with this account is the right one for you.

  • The family travel insurance policy provides cover for you, your spouse or partner (who you live with) and children under 18, or under 24 if they’re in full time education. It includes cover for personal belongings, certain sports and activites and golf trips.

    Please note - existing medical conditions are not covered, unless these are agreed with the insurer first, an additional premium may be payable.

    If you have any questions about your cover please call 0345 124 1400. Lines are open from Monday to Saturday 8am to 8pm, and Sunday 9am to 5pm.

    The policy includes cover for:

    • Worldwide multi trip travel - this includes certain winter sports and golf trips. There's also cover for UK trips which have at least 2 nights' pre-booked accommodation.
    • Your children - any of your kids who are under 18, or under 24 and in full time education. Covered when travelling with the accountholder or a responsible adult.
    • Your partner - a spouse, civil partner or partner, as long as they live with you.
    • Personal Baggage - up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single article or pair or set of articles.
    • Personal Money - up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

    Don't forget:

    • Pre-existing medical conditions are not covered unless agreed with the insurer first.
    • The longest trip length is 45 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
    • £75 excess per claim per incident may apply
    • Kids are only covered when travelling with you the accountholder, or a responsible adult.
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
    • To be covered trips must start and end in the UK.
    • The policy only covers persons permanently resident in the UK.
    • All cover ends when the accountholder turns 71. As long as the accountholder is less than 71, their spouse, partner or civil partner (who they live with) will also be covered until they reach 71. Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder.

    If you need to make a claim or want more information ring AXA on 0345 124 1400. From abroad call +44 1633 439 015. Lines are open Monday to Saturday 8am to 8pm, and Sunday 9am to 5pm for customer services. And 8am to 8pm Monday to Friday and 9am to 5pm Saturday for claims. Excluding bank holidays.

    Cover is provided and underwritten by AXA Insurance UK plc.

    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).

    We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

AA breakdown cover including Home Start

Covers Roadside Assistance and Home Start in the UK, Channel Islands & Isle of Man. The policy offers cover for you as driver or passenger in any eligible vehicle.

Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

  • The policy cover offers assistance at the roadside or at home if your vehicle has broken down. There's even cover if you’re a passenger in someone else’s car. Got a joint account? There’s cover for both of you.

    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.

    • AA Roadside - An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a tow to a local garage for you, your vehicle and up to 7 passengers.
    • Home Start - Brings all the benefits of AA Roadside to your doorstep and within 1/4 mile from home.

    Please note:

    • The service is only available in the UK, Channel Islands and Isle of Man.
    • You must be with the vehicle when it breaks down and when help arrives.
    • If you have an accident, the AA does not provide vehicle recovery.

    If you need breakdown assistance, please call: 0800 0512 248.

    You will need your Ultimate Reward Current Account sort code and account number to hand when you call.

    The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.

    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).

    We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

Home emergency cover

For sudden unexpected incidents that need immediate action to make your home safe and secure. A qualified person chosen by the insurer will be provided to deal with the emergency. Cover is for up to £250 per claim including VAT.

Underwritten by Inter Partner Assistance S.A. (IPA)

  • 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:

    • Make your home safe or secure.
    • Avoid damage or prevent more damage.
    • Get you electricity, gas or water back after total failure.

    You are not covered if the home was left unoccupied for over 60 days.

    If you need to make a claim, please note:

    • You must contact the insurer before instructing any other tradesman.
    • Are you a tenant? Ensure your landlord agrees before contacting the insurer.

    If you don't do this, your claim could be rejected.

    If you need to make a claim or want more information call 0345 124 1400. Lines are open 24 hours a day, 7 days a week, 365 days a year.

    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).

    We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

Mobile phone insurance

Cover for the repair or replacement of your phone worth up to £2,000 (inc VAT) if it breaks down, gets damaged, lost or stolen. Covers one phone for you as the account holder, or up to two phones for joint accounts.

Arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited

  • Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:

    • Repair or replacement of your phone worth up to £2,000 (including VAT) if it breaks, is damaged, lost or stolen.
    • One phone for you as the account holder, or up to two phones for a joint account.

    Things to consider

    • An excess of £100 is payable on all successful claims.
    • You can’t have more than 2 successful claims per account holder in any 12 month period.
    • If your phone is lost or stolen, you must let the police and your airtime provider know as soon as possible.
    • You won't be covered for theft, loss, damage or breakdown where you have knowingly put your phone at risk or not taken care of it.
    • You may be required to provide a proof of ownership to support your claim (for instance documentation from your network provider, till receipt etc.)

    You can register your phone to make claiming easier
    Register your mobile phone details with the insurer via your online banking. Or call 0345 124 1400. Lines are open from Monday to Saturday 8am to 8pm, and on Sunday from 9am to 5pm.

    Please follow these steps to register your phone online:

    1. Sign into Online Banking. If you don't already use Online Banking you can register here.
    2. Select ‘More actions’ next to your Ultimate Reward Current Account.
    3. Then select ‘Account information and benefits’ and the ‘View account benefits.
    4. Register your phone with the insurer under the ‘Mobile phone insurance’ section.

    Making a claim?

    You can make a claim with the insurer by calling 0345 124 1400. Lines are open from Monday to Friday 8am to 8pm, Saturday and Sunday from 9am to 6pm.

    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).

    We will also provide you with the Insurance Product Information Booklet (PDF) as part of the account application process.

Card Cancellation

Call the provider if your cards are lost or stolen and they’ll request for them to be cancelled on your behalf.

This service is provided by Citymain Administrators Ltd , part of the SPB UK & Ireland Group Companies.

  • Only one phone call is needed for you to request that all your lost or stolen financial cards are cancelled and replaced.

    The service lets you cancel:

    • All money cards – register all your cards from any bank or building society.
    • Financial store cards - the provider can keep a note of these numbers too.

    The provider can log your passport and driving licence numbers in case you need them.

    You don't have to register your cards but if you do, it will make it quicker and easier for the provider to complete a loss report for you if they are lost or stolen.

    When you call, Citymain Administrators Ltd will complete a loss report on your behalf. They will also contact your relevant card issuer(s) to request that your cards are cancelled and new ones sent to you. If any of your card issuers need you to contact them directly they will let you know.

    This service is provided by Citymain Administrators Ltd , part of the SPB UK & Ireland Group Companies.

    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).

    If your Ultimate Reward Current account debit card has been lost or stolen let us know as soon as possible.

    You can report your card lost or stolen and order a new one by:

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 daily arranged overdraft interest if you use more than the interest-free amount of £50.

- 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.

  • 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. 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 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.

Representative example

Arranged overdraft representative example

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

The APR includes monthly maintaining the account fees of £17 and an interest free amount of £50

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:

£2.87 for 7 days

£12.42 for 30 days

£25.18 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

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.

*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

 

I’m new to Halifax

New customer? It’s easy to apply online, you’ll have the option of switching at the end of your application.

We’ll ask for your income details and your home address over the last three years. Make sure you have these ready.

 

I'm a new customer

I’m an existing Halifax customer

You can open a new account or upgrade an existing account by signing into Online Banking.

If you’re upgrading, your sort code and account number will stay the same.

I'm an existing customer

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.

Switch today to get all the perks of the Ultimate Reward Current Account within seven working days.

 


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Already have a Halifax account?

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Find out more about how to switch

Current Account Switch Guarantee

You also get the current account features you'd expect:

For more information and terms and conditions for this account, read the Ultimate Reward Current Account Getting Started Guide (PDF).

For more information about the fees associated for Payment Services with this account please see the Fee Information Document (PDF).

  • 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).

    Current Account Switch Guarantee
    Crystal Mark 20785. Clarity approved by Plain English Campaign.

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.

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 maintaining the account 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.