Halifax current accounts for July 2025
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.

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.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Read the full methodologyHalifax offers a free everyday current account, plus a range of options for those who are looking for something more specific:
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
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
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
In our independent 2025 customer satisfaction survey, 81% 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. Here’s what some of those Halifax customers had to say:
“Great service in branch.”
“Staff always helpful and a good banking app.”
On Trustpilot, Halifax has a score of 1.6 out of 5 from 5,120 reviews. On the Apple App Store, it has a rating of 4.8 out of 5 from almost 1.7 million reviews, while on Google Play it’s rated 4.6 out of 5 from around 249,000 reviews (April 2025).
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.
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.
Yes, Halifax has an Ultimate Rewards Current Account. It costs £19 a month and comes with travel insurance, breakdown cover and mobile phone insurance. You see how it compares to other packaged accounts in our guide.
To open an account with Halifax, you’ll have to provide the following information:
You can open a Halifax account online or by visiting a branch.
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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.
Our Finder Awards celebrate brands that truly stand out in their field, creating innovative personal finance products and providing outstanding service to their customers. Halifax is one of these brands and was named our 2025 Kids' Banking Provider of the Year Award winner!
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
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