Ultimate Reward Current Account.

Need to make a claim? Or 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.

Existing customer enquiries

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


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.


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)


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)


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


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.

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.

Don't have an account with Halifax?

Apply and switch now

Already have a Halifax account?

Switch to your existing accountCurrent Account Switch Guarantee

Find out more about how to switch

Arranged Overdraft

If we offer you an arranged overdraft at the end of the application form, you won’t pay any fees on the first £300 of any arranged overdraft that you use.

If you are upgrading and don’t already have an arranged overdraft, you can apply for one after you have completed the application form.

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

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).

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.

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.