Previous interest rates and fees.

These rates are provided for information only.

These were the interest rates we paid on balances that were in credit.

Date

Account

Balance

AER

Gross (before tax each year)

Net (after tax each year)

Prior to 06 Dec 2009

Ultimate Reward Current Account

The first £2,500

2.50%

2.47%

1.98%

Prior to 06 Dec 2009

Ultimate Reward Current Account

Any amount over £2,500

0.10%

0.10%

0.08%

Prior to 06 Dec 2009

Current Account

Any amount

0.10%

0.10%

0.08%

Prior to 20 Feb 2009

Student Current Account

Any amount

2.02%

2.00%

1.60%

Prior to 24 Sept 2018

Cardcash^
(People under 18)

Any amount

1.51%

1.50%

1.20%

Prior to 24 Sept 2018

Expresscash

Any amount

1.51%

1.50%

1.20%

Prior to 06 Dec 2009


Balance

The first £2,500

AER

2.50%

Gross (before tax each year)

2.47%

Net (after tax each year)

1.98%

Prior to 06 Dec 2009


Balance

Any amount over £2,500

AER

0.10%

Gross (before tax each year)

0.10%

Net (after tax each year)

0.08%

Prior to 06 Dec 2009


Account

Balance

Any amount

AER

0.10%

Gross (before tax each year)

0.10%

Net (after tax each year)

0.08%

Prior to 20 Feb 2009


Balance

Any amount

AER

2.02%

Gross (before tax each year)

2.00%

Net (after tax each year)

1.60%

Prior to 24 Sept 2018


Account

Cardcash^
(People under 18)

Balance

Any amount

AER

1.51%

Gross (before tax each year)

1.50%

Net (after tax each year)

1.20%

Prior to 24 Sept 2018


Account

Balance

Any amount

AER

1.51%

Gross (before tax each year)

1.50%

Net (after tax each year)

1.20%

The annual equivalent rate (AER) shows what the interest rate would be if we paid interest on the full balance once a year.

Please note interest paid before 6th April 2016 will have been paid net (unless you registered the account with us to receive gross interest). Net is the rate of interest payable after allowing for the deduction of income tax at the rate specified by law (currently 20%).

From 6th April 2016 interest is paid Gross, meaning we will not deduct tax on your behalf. Dependent on your personal circumstances, tax may be due on your interest and it is your responsibility to disclose and pay any tax due directly to HMRC.

Daily arranged overdraft fees for current accounts
DateAccountAmount of arranged overdraftDaily arranged overdraft fee
From 06 Dec
2009 to 02 Nov
2017

Reward Current Account
Current Account (and with Control added)
Up to and including £1,999.99 £1
£2,000 to £2,999.99 £2
£3,000 and above £3
From 06 Dec
2009 to 02 Nov
2017
Ultimate Reward Current Account Up to and including £300 N/A
£300.01 to £1,999.99 £1
£2,000 to £2,999.99 £2
£3,000 and above £3
Daily unarranged overdraft fees for current accounts
DateAccountAmount of unarranged overdraftDaily unarranged overdraft fee
From 06 Dec
2009 to 02 Nov
2017
Current Account with Control added All balances £1
From 06 Dec
2009 to 02 Nov
2017
Reward Current Account
Current Account without Control added
All balances £5
From 06 Dec
2009 to 02 Nov
2017
Ultimate Reward Current Account All balances £5
Student Current Account and Cardcash debit interest Variable interest charged on overdrawn balances 
DateAccountAmount of overdraftArranged overdraft rateUnarranged overdraft rate
From 02 Aug
2017 to 02 Nov
2017
Student Current Account (for accounts opened on or after 02 August 2017) £1,500 or less Interest Free
(0 % EAR)
1.82% a month
(24.2% EAR)
From 06 Dec
2009 to 02 Nov
2017
Student Current Account (for accounts opened before 02 August 2017) £3,000 or less Interest free
(0% EAR)
1.82% a month
(24.2% EAR)
Over £3,000 0.58% a month
(7.2% EAR)
1.82% a month
(24.2% EAR)
From 06 Dec
2009 to 02 Nov
2017
Cardcash n/a n/a

2.20% a month
(29.8% EAR)

These were the interest rates we charged on overdrafts:

Date

Account

Amount of arranged overdraft

Arranged overdraft

Unarranged overdraft

Prior to 06 Dec 2009

Ultimate Reward Current Account

Up to £300

Interest-free
(0% EAR)

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009

Ultimate Reward Current Account

Over £300

1.50% a month
(19.5% EAR)

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009

Current Account

Any amount

1.50% a month
(19.5% EAR)

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009

Student Account

Up to £3,000

Interest-free
(0% EAR)

1.82% a month
(24.2% EAR)

Prior to 06 Dec 2009

Student Account

Over £3,000

0.58% a month
(7.2% EAR)

1.82% a month
(24.2% EAR)

Prior to 06 Dec 2009

Cardcash^
(People under 18)

Does not apply

Not available

2.20% a month
(29.8% EAR)

Prior to 06 Dec 2009


Amount of arranged overdraft

Up to £300

Arranged overdraft

Interest-free
(0% EAR)

Unarranged overdraft

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009


Amount of arranged overdraft

Over £300

Arranged overdraft

1.50% a month
(19.5% EAR)

Unarranged overdraft

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009


Account

Amount of arranged overdraft

Any amount

Arranged overdraft

1.50% a month
(19.5% EAR)

Unarranged overdraft

2.13% a month
(28.8% EAR)

Prior to 06 Dec 2009


Account

Amount of arranged overdraft

Up to £3,000

Arranged overdraft

Interest-free
(0% EAR)

Unarranged overdraft

1.82% a month
(24.2% EAR)

Prior to 06 Dec 2009


Account

Amount of arranged overdraft

Over £3,000

Arranged overdraft

0.58% a month
(7.2% EAR)

Unarranged overdraft

1.82% a month
(24.2% EAR)

Prior to 06 Dec 2009


Account

Cardcash^
(People under 18)

Amount of arranged overdraft

Does not apply

Arranged overdraft

Not available

Unarranged overdraft

2.20% a month
(29.8% EAR)

Account

Amount of arranged overdraft

Arranged overdraft

Unarranged overdraft

Expresscash
(11-15 year olds)

Does not apply

Not available

Not available

Expresscash
(11-15 year olds)


Amount of arranged overdraft

Does not apply

Arranged overdraft

Not available

Unarranged overdraft

Not available


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EAR is the equivalent annual rate. This is the actual annual cost of an overdraft. It does not take into account fees and charges. Halifax current accounts and services are offered subject to status. Overdrafts are repayable on demand.

^Please note that we don't pay interest on balances that are in credit in Cardcash accounts held by customers over 18.