Halifax savings rates review, from savings accounts to ISAs
Halifax offers a broad range of savings accounts with interest rates up to 5.5%.

Formerly the UK's largest building society, and now a hugely popular arm of the Lloyds Banking Group, Halifax offers a good range of savings accounts. Halifax's top savings rate of 5.5% is available on its regular savings account.
We currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseWe currently don't have that product, but here are others to consider:
How we picked theseThe best savings account depends on what you want from your savings. If you're after fast access to your money, then an easy-access account should suit you. However, if you're happy to lock your money away for a time to access a higher rate, then a fixed-rate bond is a good option.
Finally, if you're looking to maximise your returns and shield them from income tax, consider an ISA. Below, we've listed the different types of accounts Halifax offers, plus the highest interest rate currently available.
Savings account types include | Easy access, cash ISAs, fixed-rate bonds, regular savers |
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Best easy access rate | 3.5% |
Best cash ISA rate | 4% |
Best fixed-rate bond rate | 3.9% |
Best regular saver rate | 5.5% |
Fixed bond terms | 1 year - 5 years |
Opening options | Branch, website, mobile app, telephone |
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Bearing the name of the Yorkshire town it was born in, Halifax began life as a building society in 1853. It was then the UK’s largest building society for much of the twentieth century. These days it’s a bank, and is part of the Lloyds Banking Group, having been bought by the financial services group in in 2009.
Didn’t find the account type you were looking for? Check our other guides:
Firstly, you need to decide what you’re looking for in a savings account. How often are you planning to draw out money? How much money can you afford to save each month?
You need to work out what you need before comparing the different offers available for certain types of savings accounts. Once you’ve done that, it’s useful to look at:
Yes, you can open and manage a Halifax savings account online, through the app, in a branch or over the phone. You can open kids’ savings accounts online too.
In our independent 2025 customer satisfaction survey, 70% of Halifax’s users said they’d recommend the brand to a friend.
The Halifax app has a rating of 4.8 out of 5 from over 1.7 million reviews on the App Store. On Google Play, the app has a score of 4.6 from more than 249,000 Android app users (updated April 2025).
Email support | |
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Telephone support | |
In-app or live chat | |
Contact form | |
Branch support |
Whether you want to lock away your money for a fixed amount of time, or need to be able to access it whenever required, Halifax offers a wide range of accounts for your needs. However, the savings rates on offer aren’t always the best and can often be beaten by other mainstream or digital challenger banks.
Against a backdrop of rising living costs, inactivity or missguided loyalty can come at a cost. Halifax (along with several other banks) has been accused of not passing on increases to customers when the Bank of England base rate has gone up.
Yes, there’s a monthly savings prize draw… which may be enough to dissuade some people from putting their savings elsewhere. But the most reliable way to maximise your precious savings returns will be to check today’s best savings rates across the board.
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