Ultimate Reward Current Account.

The account with extra benefits for a monthly fee.

How the monthly fee works

The Ultimate Reward Current Account will cost £17 a month. However, 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 pay the lower monthly account fee of £14. You'll also need to keep your account open/not change it to a different type of current account until the fee is due to be debited (by the second working day of the following calendar month).

For full details of the changes that apply to this account from 1 July 2018, please see the Guide to Changes (PDF).


£75 when you switch to us

Once you have opened your new Halifax account you can use 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.


Not got an account with Halifax?

Apply and switch now

Already got a Halifax account?

Switch to your existing accountCurrent Account Switch Guarantee

Find out more about how to switch


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

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).


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.