Ultimate Reward Current Account.

The account with a range of benefits for a monthly fee.

Worldwide multi-trip family travel insurance provided and underwritten by AXA Insurance UK plc.

  • Covers winter sports and golf trips
  • Covers UK trips where accommodation is pre-booked for 2 nights or more
  • Includes cover for:
    • Personal belongings up to £2,500
    • Single article, pair or set of articles up to £500
    • Valuables up to £500 in total
    • Personal Money up to £750 (cash £300).

More information

AA Breakdown Cover including Home Start provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

  • Breakdown assistance when you need it most. You're covered as a driver or a passenger in any eligible vehicle if you breakdown at home or on the roadside
    • Roadside Assistance
    • Home Start
    • Provides cover within the UK, Channel Islands and Isle of Man
    • Customer covered, not the vehicle.

More information

Planned Overdraft

You can apply for a Planned Overdraft with this account.

If you are upgrading and don’t already have a Planned Overdraft you can apply for one once you complete this application.

Applying for this product does not improve your eligibility for an overdraft.

If your application is approved, you won’t pay any daily overdraft fees on the first £300 of any Planned Overdraft that you use.

Mobile phone insurance arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

  • Insurance at home and abroad if your mobile phone is lost, stolen, damaged or breaks down (including faults)
  • One phone per account holder, maximum of two for joint accounts
  • Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim
  • Covers for loss, theft, damage or breakdown (including faults).

More information

Home emergency cover underwritten by Inter Partner Assistance S.A. (IPA).

  • Covers a sudden unexpected incident to your home which needs immediate action to;
    • Make it safe or secure and avoid damage or more damage
    • Make it fit to live in
    • Restore electricity, gas or water services if they have totally failed
  • Provides a qualified person chosen by the insurer to deal with the emergency up to £250.

More information

£75 when you switch to us

Current Account Switch GuaranteeUse the Current Account Switch Service to transfer and close your old account held elsewhere. It takes just 7 working days and the £75 will be in your account before the switch completes.

If you’ve already received cashback for switching to us since January 2012 we’re sorry but you won’t get it again.

More information

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

Contactless VISA debit card.

Easy access with our Mobile Banking app, Online and Telephone Banking - as well as any of our branches

Earn as you spend with Cashback Extras - as soon as you activate your offers online.

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

Monthly fee explained

The Ultimate Reward Current Account costs £15 a month, which gives you all the benefits listed below.

A lower monthly fee of £12 applies if in the previous calendar month you pay in £750 or more and pay out at least 2 different direct debits and remain in credit. You'll also need to keep your account open/not change it to a different current account until the fee is due to be debited (by the 2nd working day of the following calendar month).

Plus all the features you expect from a current account:

More about all the benefits you get with this account

Applying for a new account?

Apply online for a new account in around 10 minutes. You can also choose to switch as part of your application.

Got a question about your existing account benefits?

Key information for existing Ultimate Reward Current Account customers, including the benefits of your account and how to use them when you need to.

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

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 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.

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.