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.
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The Halifax brand is disappearing from our high streets, and while it's sad to say goodbye to a bank that has given millions their first mortgage or student account, in reality, the change is not that drastic.
If you're a Halifax customer, you'll be contacted in the coming days or weeks and invited to move across to the Lloyds app and online banking. Once there, you'll gain access to Lloyds products for renewals, upgrades or downgrades without having to change sort code or account number.
It's really important to note that you won't be asked to move money, transfer funds or share security details by Lloyds. So if you do get a message asking you to do any of those things, it's a scam!
Your account number, sort code, and FSCS protection will all stay exactly the same. Any money you have in a Halifax account will remain completely separate from your new Lloyds accounts.
There's nothing you need to do right now - just keep an eye out for a prompt to download the Lloyds app or register for online banking.
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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
Lloyds, Halifax and Bank of Scotland customers have access to a new rewards hub
Following the launch of a new in-app rewards hub, Lloyds, Halifax and Bank of Scotland current account customers could be in with a chance of winning thousands of pounds each month.
Under a new prize draw, 50 customers will be chosen at random each month to win £2,026. To qualify, you must activate the offer in the app every month and have at least £1,000 paid into your account - this must be your salary, pension or other benefits, but does not include self-employed income. Customers will also have the chance to enter other prize draws, including the chance to win a trip to Disneyland Paris or money to spend on Apple products. In addition, the rewards hub features an expanded range of discounts and cashback at selected retailers.
Lloyds customers also have the opportunity to take on challenges, such as visiting Rewards in their app each month to be in with a chance of winning £50, while those who set a reminder for when their broadband, mobile or energy contract is due to end will be entered into a separate prize draw to win £5,000.
What do customers say about Halifax?
86% of customers we surveyed in 2026 would recommend Halifax to a friend.
It benefits from a highly loyal customer base, many of whom have banked with them for decades. Users praise the reliable mobile app, handy notifications for upcoming bills, and the perks associated with packaged accounts, such as travel insurance.
On the downside, customers frequently express frustration over long wait times when contacting the call centre and a general lack of rewards for long-term loyalty. The impact of branch closures is also a noticeable point of contention.
AI-generated summary from the text of customer reviews on Finder.
Does Halifax offer any promotions, discounts or refer-a-friend offers?
Halifax has offered cash incentives to switch in the past, but doesn’t have any at the time of writing. Halifax offers a 6-month, 0% interest-free overdraft when you switch. You can compare this to other switching deals in our guide.
Does Halifax offer joint accounts?
Yes, you can open joint accounts with Halifax. If you’re already a customer you can do it online, otherwise you’ll need to go into a branch.
Does Halifax offer premium/packaged or premier accounts?
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: Is Halifax a good bank?
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
At the moment only Halifax’s children account and student account pay an interest on in-credit balances.
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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.
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Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money.
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