Halifax current accounts for July 2024

Halifax has a range of current accounts to choose from, whether you want a free everyday bank account or a paid-for one with perks and rewards.

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Halifax offers a decent range of current accounts with all the benefits of a big bank, including multiple ways to bank and 6 days a week customer service. From time to time, Halifax has been known to run switching incentives.

Compare Halifax current accounts

1 - 7 of 7
Name Product Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example Link
Reward Current Account - Funded
Not yet rated
£3.00 per month
No minimum funding requirement
0% AER
39.9% EAR variable
Cashback Extras - Earn up to 15% cashback from selected retailers when shopping with a Halifax credit or debit card.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200 you'll be charged interest at 39.9% EAR variable.
View details
Current Account
4.2
★★★★★
£0
No minimum funding requirement
0% AER
39.9% EAR variable
Cashback Extras - Earn up to 15% cashback from selected retailers when shopping with a Halifax credit or debit card.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable.
View details
Smart Spending Account - Age 11-15
4.0
★★★★★
£0
No minimum funding requirement
0% AER

Linked savings account.
View details
Ultimate Reward Current Account - with Reward Extras
Not yet rated
£19 per month
No minimum funding requirement
0% AER
N/A
Free travel accident insurance – covers account holder and family.
Current account switch service guarantee badge Account fee of £19 per month.
View details
Basic Account
Not yet rated
£0
No minimum funding requirement
0% AER

Cashback Extras - Earn up to 15% cashback from selected retailers when shopping with a Halifax credit or debit card.
Current account switch service guarantee badge
View details
Student
Not yet rated
£0
No minimum funding requirement
0.5% AER
N/A
Cashback Extras - Earn up to 15% cashback from selected retailers when shopping with a Halifax credit or debit card.
Current account switch service guarantee badgeRepresentative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 39.9% EAR variable.
View details
Expresscash
4.0
★★★★★
£0
No minimum funding requirement
0.5% AER

Current account switch service guarantee badge
View details
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Types of current account from Halifax

Halifax offers a free everyday current account, plus a range of options for those who are looking for something more specific:

  • Reward and incentive accounts

    Halifax has two different reward accounts that come with various benefits and perks in return for a monthly fee. The Reward Current Account offers preferential rates on travel money as well rewards like a free monthly cinema ticket or £5 in cash, all in return for a £3 monthly fee. The fee isn’t charged if you deposit at least £1,500 into the account each month. The Ultimate Reward Account charges £17 each month and offers extras like travel insurance and home emergency cover. However, the cashback these accounts earn is limited to a restricted number of retailers, so you may want to compare current accounts to see if there’s a better deal available for you.
    Learn more about reward and incentive accounts

  • Student accounts

    Halifax’s student account offers a respectable fee-free overdraft of up to £1,500, but it doesn’t come with any freebies, so it may be worth checking out the competition – some student accounts offer incentives such as railcards and retail discounts.
    Learn more about student accounts

  • Children’s accounts

    Halifax’s Expresscash account helps children between 11 and 17 to better manage their money and also treats them to a small interest rate on balances. The Money Smart account, for kids between 11 and 15, comes with a Visa debit card and interest which can be earned through a linked savings account.
    Learn more about children’s accounts

Halifax customer reviews

In our independent 2024 customer satisfaction survey, 86% of Halifax’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s easy to use app and great customer service. However, some cited a disappointing lack in competitive rates. Here’s what some of those Halifax customers had to say:

“Easy to open, friendly helpful staff, always there to answer questions 24/7”

“I love the app. It is well designed and easy to use. I have had no issues with this current account”

On the Apple App Store, Halifax is rated 4.8 out of 5 stars from almost 1.5 million reviews. On the Google Play Store, Halifax is rated 4.1 out of 5 stars from 227,000 reviews (February 2024).

Pros and cons of banking with Halifax

  • Switching incentive. Halifax occasionally offers an account switching incentive, so if you’re unhappy with your current provider, why not give it a shot?
  • Multiple ways to bank. Halifax has more than 500 branches in the UK, so chances are there’s one pretty close to your place. You can also bank on the phone, online or using the mobile app.
  • Mobile banking app. Halifax’s mobile app is straightforward and easy to use. If you’re after advanced budgeting features, it isn’t the right place to look, but all in all, it does the job fine.
  • Global acceptance. Halifax’s current accounts all come with a Visa debit card that is accepted pretty much anywhere in the world.
  • A wide range of related products. Halifax also does savings accounts, credit cards, loans, mortgages, investments and insurance – so if you’re the all-in-one-place kind of customer, you can easily settle down and let Halifax handle the whole package.
  • No in-credit interest.None of Halifax’s main current accounts pay interest on in-credit balances.

Opening an account with Halifax

To open an account with Halifax, you’ll have to provide the following information:

  • How much you expect to pay in each month
  • Your employment status
  • Your salary details and any assets you have
  • Your nationality/citizenship
  • Your residence status/tax residence status
  • Proof of identity (passport or driving license)

You can open a Halifax account online or by visiting a branch.

Customer service information for Halifax

Email support
Telephone support
In-app or live chat
Contact form
Branch support

Our verdict

Halifax offers rewards with some of its current accounts, but they might not be as eye-catching as others on the market. Make sure to look around and find the best account for your needs. If Halifax’s current accounts are not for you, you can also compare other current accounts here.

Frequently asked questions

Banking scores

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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Writer

Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio

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Nick Renaud-Komiya has been a writer and reporter for nine years, covering a range of consumer issues from energy suppliers to banking and mortgage issues. He enjoys helping people take control of their personal finances and better understand their consumer rights. Nick’s consumer writing and money journalism has been featured in a range of outlets including MoneySavingExpert.com, The Sunday Mirror, The Independent and Money.co.uk. Outside of work Nick enjoys cooking and collecting old David Bowie merch. See full bio

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