Ultimate Reward Current Account.

With cases of coronavirus (COVID-19) being diagnosed in various countries, customers have been contacting AXA and Halifax to understand how their travel insurance is impacted. You should monitor the situation through official sources such as the Foreign and Commonwealth Office (FCO) and the World Health Organisation (WHO).

It is important to note that if you book a holiday after 18 March 2020, your policy will not cover any trip under the ‘Cancellation or curtailment charges and early return’ section in relation to coronavirus. AXA will continue to cover medical costs if you become ill in a country or region the FCO hasn’t advised against visiting.

If you booked a trip up to and including 18 March 2020 and want to understand the cover you have please read the FAQs. You can also register a claim online.

Changes to this account due 6th April 2020

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 guide to changes.

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.

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 more than the fee-free amount of £300.

- 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.

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.

Apply now or change your existing account.

Things to think about
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly maintaining the account fee.

Apply for a new account

Wanting to upgrade your existing account?
You can do this by signing into Online Banking.

Sign in to upgrade

Alternatively, call  0345 124 1400  (Mon-Fri 8am-8pm, Sat 8am-6pm and Sun 9am-5pm) or visit your local branch.

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

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.