Halifax current accounts for November 2026

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 7 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.

Compare Halifax current accounts

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Finder Score Account fees Funding requirement Interest (AER) Arranged overdraft Incentive Representative example
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8Great
Halifax Current Account
Cashback
8Great
£0
No minimum funding requirement
0% AER
29.9% EAR variable
Representative example: If you use an arranged overdraft of £1,200, you'll be charged interest at 29.9% EAR variable.
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Finder Score for bank accounts

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 methodology

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. Keep in mind that you can now only open a Halifax current account if you’re an existing customer using the Halifax app or online banking. Otherwise you’ll be directed to open a Lloyds account.

  • 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 £19 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 13 and 17 to better manage their money and also treats them to a small amount of interest 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, with previous prizes including a trip to Disneyland Paris and a chance to see The Lion King in London. 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. But you’ll both need to be existing Halifax customers.

Does Halifax offer premium/packaged or premier accounts?

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.

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. You can bank on the phone, online, using the mobile app, or in branch (this may need to be a Lloyds branch).
  • 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.
  • Halifax brand is being phased out. You’ll need to be happy carrying out your banking with Lloyds going forward. New Halifax customers cannot open a new account.

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 licence)

You can open a Halifax account online or through the app. If you want to open a new account in branch, you’ll need to choose a Lloyds account.

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. You will also need to be an existing customer due to the transition to Lloyds. 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

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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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. See full bio

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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. See full bio

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