Reminder of what this account includes

  • £19 monthly fee
  • Worldwide multi-trip family travel insurance
  • AA Breakdown Family Cover
  • Mobile phone insurance
  • Home emergency cover
  • No debit card fees from us at home or abroad 
  • Reward Extras - Add a Reward Extras offer to your account to get £5 or a lifestyle benefit each month that you meet the offer criteria.
  • What you're covered for

    The policy cover offers assistance at the roadside or at home if you or your eligible family member’s vehicle has broken down, whether as the driver or passenger.

    There’s cover under the policy if your Ultimate Reward Current Account is open and you’re paying the monthly fee, This includes:

    Mechanical breakdown - Assistance to deal with a breakdown on the road within the UK, Channel Islands and Isle of Man.

    • Roadside Assistance - An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a tow to a local garage for you or eligible family members, the vehicle and up to 7 passengers.
    • At Home - Brings all the benefits of AA Roadside to your and your eligible family member’s doorstep and within ¼ mile from home.

    With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or, be temporarily living away from that address, but still within the UK (e.g. students). 

    Eligible family members will include your:

    • Partner*
    • Parents**
    • Siblings***
    • Grandparents
    • Children****
    • Other family members*****

    * including spouse, civil partner, fiancé/fiancée

    ** including stepparents, foster parents, father in-law, mother in-law

    *** including brothers, sisters, brother in-law, sister in-law step-brothers, step sisters

    **** including stepchildren, foster children, grandchildren, son in-law, daughter in-law

    ***** including aunts, uncles, nieces, nephews and first cousins

    AA Breakdown Family Cover FAQ's

     

    Please note:

    • The service is only available in the UK, Channel Islands and Isle of Man.
    • You or your eligible family member must be with the vehicle when it breaks down and when help arrives.
    • There’s no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m).
    • There may not be cover for same or similar causes of breakdown to that which the AA attended within the previous 28 days.
    • The AA have the right to refuse to provide service if the vehicle is unsafe, unroadworthy, unlawful or you've failed to maintain it (for example no valid MOT or continued failure to refuel or charge your vehicle).
    • If you have an accident, the AA Breakdown Family cover does not provide vehicle recovery. The AA Accident Assist service may be available. See below for more information.

    If you need breakdown assistance, please call: 0345 124 1400.

    You will need your Ultimate Reward Current Account sort code and account number to hand when you call.

    The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

     

    AA Accident Assist

    AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

    The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

    We have included the AA Accident Assist terms and conditions in the Ultimate Reward Current Account Getting Started Guide. The link is provided below. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

  • What you're covered for

    • Worldwide multi trip travel - this includes certain winter sports and golf trips. There's also cover for UK trips which have at least 2 nights' pre-booked accommodation.
    • Your children - there's cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
    • Your partner - a spouse, civil partner or partner.
    • Personal Baggage - up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single article or pair or set of articles.
    • Personal Money - up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

    Don't forget:

    • Pre-existing medical conditions are not covered unless agreed with the insurer first. An additional premium may apply.
    • The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
    • £75 excess per adult per incident may apply.
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority.
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
    • To be covered trips must start and end in the UK.
    • The policy only covers persons permanently resident in the UK and registered with a doctor in the UK.
    • There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
    • All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse, partner or civil partner will also be covered until they reach 71.

    You can access your packaged bank account benefits, view policy details and make a claim in the app and via Online Banking.

    • For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
    • For Online Banking head to the ‘account benefits’ section.

    You can also make a claim by calling Membership Services  +44 (0)345 124 1400

    If you’re abroad and need assistance, you can call Allianz Assistance’s 24 hour assistance helpline on +44 (0)208 239 3931

    Cover is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

    Please note that these are just some of the important points - full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

  • Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:

    • Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new).
    • One phone for you as the account holder, or up to two phones for a joint account.

    Things to consider

    • An excess of £100 is payable on all successful claims.
    • You can’t have more than 2 successful claims per account holder in any 12 month period.
    • If your phone is lost or stolen, you must let the police and your airtime provider know as soon as possible.
    • You won't be covered for theft, loss, damage or breakdown where you have knowingly put your phone at risk or not taken care of it.
    • You may be required to provide a proof of ownership to support your claim (for instance documentation from your network provider, till receipt etc.)

    You can register your phone to make claiming easier
    Register your mobile phone details with the insurer via your online banking. Or call 0345 124 1400. Lines are open from Monday to Saturday 8am to 8pm, and on Sunday from 9am to 5pm.

    Please follow these steps to register your phone online:

    1. Sign into Online Banking. If you don't already use Online Banking you can register here.
    2. Select ‘More actions’ next to your Ultimate Reward Current Account.
    3. Then select ‘Account information and benefits’ and the ‘View account benefits.
    4. Register your phone with the insurer under the ‘Mobile phone insurance’ section.

    Making a claim?

    You can make a claim with the insurer by calling 0345 124 1400. Lines are open from Monday to Friday 8am to 8pm, Saturday and Sunday from 9am to 6pm.

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

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

    Assurant provide a mobile device trade in service for UK resident Halifax customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.

  • Home Emergency cover helps you deal with unexpected things that need immediate action to ensure your home is safe and secure. You never know when you might have to deal with your central heating failing or a pipe bursting in your home. The policy includes cover for up to £250 for the provider to choose a professional to deal with your problem.

    The policy only covers home emergencies which need immediate action to:

    • Make your home safe or secure.
    • Avoid damage or prevent more damage.
    • Get you electricity, gas or water back after total failure.

    You are not covered if the home was left unoccupied for over 60 days.

    If you need to make a claim, please note:

    • You must contact the insurer before instructing any other tradesman.
    • Are you a tenant? Ensure your landlord agrees before contacting the insurer.

    If you don't do this, your claim could be rejected.

    If you need to make a claim or want more information call 0345 124 1400. Lines are open 24 hours a day, 7 days a week, 365 days a year.

    You can also make a claim online using Online Banking or the Mobile Banking app. To do this, click on ‘Account Benefits’ under the ‘Benefits and Extras’ section and then select 'Home Emergency'.

    Home emergency cover is underwritten by Inter Partner Assistance SA (IPA).

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

  • We won’t charge you debit card fees when you use your card to: 

    • Make payments in a foreign currency 
    • Take out money in any currency from an ATM at home or abroad
    • Take out money over the counter abroad

    If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.

  • Rakuten logo, magazine images, vue logo

    You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

    Choose between:

    • 3 x Digital Magazines - Choose from popular titles such as Cosmopolitan and Men's Health
    • 1 x Cinema Ticket - See a film on us at any UK Vue Cinema (each ticket valid for 12 months)
    • £5 in your account - Paid direct into your account

    How to qualify

    Each month you meet your chosen set of conditions you’ll receive your reward by the 12th of the following month. If you choose a lifestyle benefit you’ll receive the offer to your registered email address. If you choose the £5 offer, we’ll pay it into your account and it’ll appear on your statement.

    Choose either to:

    • Spend £500 on your debit card each month

    or

    • Keep £5,000 or above in your account each day of the month

    You will also need to pay at least £1,500 into your account each month and stay in credit (keeping your balance at £0 or above).

     


    Magazine Subscriptions

    Choose three digital magazine from a host of well-known titles. The magazines currently available are:

      Cosmopolitan

      Country Living

      ELLE

      ELLE Decoration

      Esquire

      Good Housekeeping

      Harper’s Bazaar

      House Beautiful

      Men’s Health

      Prima

      Red

      Runner’s World

      Women’s Health

    How does it work?

      A code will be sent via email to your registered email address with instructions on how to choose and access your magazines

      Codes are valid for 12 months from the date of issue

      Magazines can be read online or offline, through your internet browser, smartphone or tablet


    Cinema Tickets

      Enjoy one free cinema ticket each month to catch the latest blockbusters at Vue cinemas across the UK

      You’ll also get a code for half price popcorn

      You can use the cinema voucher for 2D, 3D or Xtreme films screenings. If there are any VIP seats available at your screening, then you'll get a free upgrade too

      Codes are valid for 12 months, so you can save them for a film you’ve been waiting for

    How does it work?

      A ticket voucher code will be sent via email to your registered email address and can be used to make bookings online at www.myvue.com or at the box office at any Vue cinema in the UK only

      Voucher codes are valid for up to 12 months from the date of issue and are not subject to time extensions

      Voucher codes can be used to make bookings for 2D, 3D & Xtreme screenings any day of the week. No additional booking costs apply

      Additional upgrade fees will apply


    £5 Cash

      You can earn up to £5 each calendar month – that’s up to £60 a year

      You can keep on top of your progress for each monthly £5 offer by using the Reward Extras Tracker

    How does it work?

      As long as you meet the criteria for Reward Extras and have selected the £5 benefit, you don’t need to do anything else

Before you start

What you'll need

During the application we’ll ask for:

  • your income details
  • your home address over the last three years.

Make sure you have these ready.

Switch bank accounts

You can switch your existing bank account to us during the application.

You’ll just need your existing:

  • sort code and account number
  • debit card number and expiry date

Checking your ID

At the end of the application we may ask you to provide photo ID and proof of address.

Opening a joint account

To open a joint account online you must both bank with Halifax and sign in to Online or Mobile Banking app.

If you are not a Halifax customer, discover more about joint accounts.

  • How does the Current Account Switch Service work?

    Day 1

    New Customers
    Apply for a new current account and select to switch.

    Existing Customers
    Sign in and complete our switching form.

    Days 1-6

    You can continue to use your old account and your Halifax account.

    We will transfer all your standing orders, direct debits, payments and wages from your old account to your selected account.

    Day 7

    Switch complete.

    We will close your old account and move any funds to your Halifax account. 

    6 months 0% interest free overdraft when you switch

    To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

    To qualify for the interest-free offer you must:

    • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Halifax account.
    • Have not used the offer within the last 12 months.
    • Have applied, and been approved for an arranged overdraft on your new Halifax account.

    What happens after the 0% interest free period ends?

    Once your six month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

     

    Representative example (based on using an Ultimate Reward Current Account)

    An arranged overdraft on an Ultimate Reward Current Account has a variable interest rate of 39.9% EAR, and a variable representative rate of 61.7% APR, based on borrowing £1,200.

    The APR includes monthly account fees of £19 and an interest free amount of £50.

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is: £2.87 for 7 days, £12.42 for 30 days and £25.18 for 60 days.

    Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.

    Current Account Switch Guarantee

    We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

    • The service is free to use and you can choose and agree your switch date with us.
    • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
    • If you have money in your old account, we will transfer it to your new account on your switch date.
    • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
    • If there are any issues in making the switch, we will contact you before your switch date.
    • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

    For more information and FAQs, please read the Account Switching Guide (PDF 1.7MB).

    Current Account Switch Guarantee
    Crystal Mark 20785. Clarity approved by Plain English Campaign.
  • We will need to carry out identification and verification checks on you, as well as anyone else who will be authorised to operate your account.

    In most cases you will only need to produce one of the following:

    • A current UK photo driving license
    • Passport from the United Kingdom
    • Biometric Residence Permit card

    If you are an existing customer, you can use your existing bank card with Chip & Pin to verify your identity.

    The Biometric Residence Permit card may not be accepted in all our online journeys. You may need to provide additional documentation.

    If you cannot provide one of the items above, you will need to bring two documents. You can find a full list of acceptable documents on our Proving your identity webpage.

    If you do not have any of the items listed here we may be able to accept other items. Just ask a member of our branch staff or call 0800 056 0056.

    Back to top

Before continuing please read our important information on the optional 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.

  • You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
  • If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.

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 arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.

If you don't have enough money in your account or available arranged overdraft 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.

 

  • Arranged overdraft details

    • £50 interest free amount
    • 39.9% EAR (variable) representative
    • Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
    • No unarranged overdraft interest, fees or charges

    Representative example

    Arranged overdraft representative example

    A variable representative rate of

    A variable interest rate of

    Based on borrowing

    A variable representative rate of

    61.7% APR

    A variable interest rate of

    39.9% EAR*

    Based on borrowing

    £1,200

    The APR includes monthly account fees of £19 and an interest free amount of £50

     

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

     

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is:

    £2.87 for 7 days

    £12.42 for 30 days

    £25.18 for 60 days

    Useful tools

    You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time. Check your eligibility and calculate the cost of an arranged overdraft:

    Cost Calculator    Eligibility Tool

    *EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

    Find out more about arranged overdrafts

    If you already have a current account with us and would like an arranged overdraft, you can apply for one through Online Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft too.

    Apply for an arranged overdraft

Ready to open an Ultimate Reward Current Account?

Continue

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.

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.