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Our bank accounts
At Halifax, we understand everyone has different needs. That’s why we’ve got a range of bank accounts we think might suit you.
Ultimate Reward Current Account
For a £19 monthly fee, get worldwide travel insurance, mobile phone insurance, AA Breakdown Family Cover, Home Emergency Cover and more.
Reward Current Account
Get rewarded for everyday banking with exclusive savings, and cashback for a £3 monthly fee. If you pay in £1,500 or more each month, you won't pay the fee.
Reward Current Account is getting a refresh soon, read the guide to changes (PDF, 35KB) for more information.
Current Account
An everyday bank account with no monthly fee and 24/7 access, cashback offers, and contactless payments.
Benefits supplied by selected third-party providers. Limits, terms and exclusions apply.
We also provide a Basic Account which you can't apply for directly. You will need to start the application process for a bank account with us, and we will try to obtain information about your credit history. We may offer you the Basic Account if you’re bankrupt, in financial difficulty, or if we’re not able to obtain information about your credit history. The Basic Account still offers access to all the great app features, for more information see Basic Account.
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- In-branch cash and deposit machines, for notes and cheques. Limits and charges will apply.
- Withdraw cash, notes only, from any LINK ATM. Most don't charge a fee.
- Withdraw or deposit coins and notes at Post Offices or Banking Hubs. Limits and charges will apply.
- Pay into your account quickly and easily at either a Deposit Machine or Post Office with enhanced banking services.
- Get cashback in selected participating shops. You don't have to buy anything and can withdraw 1p to £50.
- You can find out about your options on LINK's Cash Locator: https://www.link.co.uk/cash-locator
- Some locations charge a fee to make a withdrawal or deposit. If they do, it'll be clearly signposted in store and on the machine. You'll be able to cancel the transaction if you don't want to pay the charge.
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We work with LINK to carry out assessments of places which might need better cash access services.
Concerned about access to cash in your area?
LINK may have already looked at your area and made a recommendation to make things better: https://www.link.co.uk/our-assessments
If not, you can request an access to cash assessment in your area:
https://www.link.co.uk/helping-you-access-cash/request-access-to-cash
You can appeal the result of LINK's assessment. www.link.co.uk/our-assessments/appeal-an-assessment
Want to know how decisions are made about cash?
Find out more about LINK’s process:
More on switching
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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).
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6 months 0% interest 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.
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 a Reward Current Account)
An arranged overdraft on a Reward Current Account has a variable interest rate of 29.9% EAR, and a variable representative rate of 29.9% APR, based on borrowing £1,200.
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: £2.45 for 7 days, £10.73 for 30 days and £21.68 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.
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- 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.
Are you eligible for the arranged overdraft offer?
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.
Give us a call if you have questions on the switcher overdraft offer.
How do you apply for an arranged overdraft?
At the end of your current account application process, we may offer you an arranged overdraft. If we do, we'll tell you the maximum amount you can have and you can add it right away. You can also apply for one later.
What happens if I am overdrawn and want to switch?
We will show you the maximum amount of arranged overdraft we can offer you before you complete your switch request form, if we are unable to offer you the full amount you will need to make arrangements with your bank to pay back the remaining amount. If you've already got a current account with us you can log onto Online or Mobile Banking and see if there is an option to extend your arranged overdraft.
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Service Quality Information for personal current accounts. The requirement to publish the Financial Conduct Authority Service Quality Information for personal current accounts can be found here.
We use a range of third party providers for the Ultimate Reward Current Account benefits. For full details of the benefits, policies, account terms and conditions and the range of third party providers we use, please read the Getting Started Guide (PDF, 1.4MB).
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.
