SWITCH TO OUR CURRENT ACCOUNTS.

    Current Account Switch GuaranteeChoose which current account you want to switch to and get £75 within 7 working days.

    Current account

    Monthly fee

    Features and benefits

    Overdraft[1]

    Reward Current Account

    Reward Current Account

    £0

    Our everyday account with a monthly reward

    • Free everyday banking. Stay in credit and you won’t have to pay daily overdraft fees
    • Earn £2 each month that you pay in £750, pay out two different direct debits and stay in credit
    • If in any month you miss out on the £2 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £2 in future month (when you meet the qualifying requirements)
    • A VISA debit card
    • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
    • Mobile alerts

    Daily overdraft fee:
    1p per £7 borrowed

    Find out more about our overdrafts

    Find out more

    £75 to switch

    £75 extra when you switch.

    Ultimate Reward Current Account

    Ultimate Reward Current Account

    £17 a month or £15 if you meet the lower monthly fee criteria[2]

    Our account with extra benefits:

    • Worldwide multi-trip family travel insurance[3]
    • AA Breakdown Cover[4]
    • Mobile phone insurance[5]
    • Home emergency cover[6]
    • Card Cancellation[7]

    Plus all the standard features you'd expect:

    • A VISA debit card
    • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
    • Mobile alerts

    Up to £300 fee-free overdraft

    Daily overdraft fee:
    1p per £7 borrowed (on overdrawn balances above £300)

    Find out more about our overdrafts

    Find out more

    £75 to switch

    £75 extra when you switch.


    Monthly fee

    £0

    Features and benefits

    Our everyday account with a monthly reward

    • Free everyday banking. Stay in credit and you won’t have to pay daily overdraft fees
    • Earn £2 each month that you pay in £750, pay out two different direct debits and stay in credit
    • If in any month you miss out on the £2 reward, don’t worry it is still a free everyday account, so long as you stay in credit. You can still get the £2 in future month (when you meet the qualifying requirements)
    • A VISA debit card
    • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
    • Mobile alerts

    Overdraft[1]

    Daily overdraft fee:
    1p per £7 borrowed

    Find out more about our overdrafts

    Find out more

    £75 to switch

    £75 extra when you switch.


    Monthly fee

    £17 a month or £15 if you meet the lower monthly fee criteria[2]

    Features and benefits

    Our account with extra benefits:

    • Worldwide multi-trip family travel insurance[3]
    • AA Breakdown Cover[4]
    • Mobile phone insurance[5]
    • Home emergency cover[6]
    • Card Cancellation[7]

    Plus all the standard features you'd expect:

    • A VISA debit card
    • Access to our Online Banking and the Mobile Banking app, 24-hour telephone services as well as any of our branches
    • Mobile alerts

    Overdraft[1]

    Up to £300 fee-free overdraft

    Daily overdraft fee:
    1p per £7 borrowed (on overdrawn balances above £300)

    Find out more about our overdrafts

    Find out more

    £75 to switch

    £75 extra when you switch.

    About our switching offer

    To qualify for the £75, use the Current Account Switch Service to transfer and close your old account held elsewhere. Excludes anyone who's had a cash back for switching to Halifax since January 2012. You’re still eligible to use the switch service if you don’t qualify for the switching offer.

    You will only receive the £75 switching offer if you switch into a new or existing Reward Current Account, Ultimate Reward Current Account (£17 monthly fee), or an existing Current Account if opened before 3rd December 2016. You are not eligible if you are switching to a Basic Account or a Student Account.

    We’re afraid you're not eligible for the offer if the bank you’re switching from doesn’t participate in the Current Account Switch Service. To find out if your bank participates, visit the Payments Council website.


    Representative Example

    For Ultimate Reward Current Accounts - if you use a Planned Overdraft of £1,200, then we’ll charge you a daily overdraft fee of £1.28. For Ultimate Reward Current Accounts, the daily overdraft fee on the first £300 is 0p.

    If you have an Ultimate Reward Current Account and use your overdraft you will pay the £17 monthly account fee. If you stay in credit, pay at least £750 into your account each month and make two direct debits, you will receive a discount of £2, reducing your monthly account fee to £15.

    For Reward Current Account and Current Accounts - if you use a Planned Overdraft of £1,200, then we’ll charge you a daily overdraft fee of £1.71.


    1Whether 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 fees..[^]
    2 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 will receive a discount of £2, reducing your monthly account fee to £15. 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).[^]
    3 Provided and underwritten by AXA Insurance UK plc.[^]
    4 AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).[^]
    5 Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.[^]
    6 Home emergency cover underwritten by Inter Partner Assistance S.A.[^]
    7 Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).[^]


    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 fees.