Halifax Bank Accounts Review

Compare Halifax Bank Accounts – read our review and compare the features and benefits available from Halifax. Make an informed decision to find a Bank Account that suits you.

Halifax provides an impressive range of current accounts, offering a number of features and benefits making your everyday banking experiences more satisfying and rewarding.

Each account has been designed to corner a specific section of the banking market, so you can browse these great accounts to find your match. Whether your looking to benefit from exclusive services such as Worldwide travel insurance for you and your family, breakdown cover, mobile phone insurance, card protection home emergency cover and more, Halifax current accounts have something for you.

All Halifax bank accounts come with a Visa debit card, making payments easy and making sure you're never far from your money. You can manage your Halifax current account online or by telephone 24/7, allowing you to carry out a number of banking tasks, from checking recent transactions to transferring money to an external account.

The Halifax Ultimate Reward Current Account (URCA) product has been awarded a Defaqto 5* award for the Mobile Phone Insurance aspect of its reward offering.

Defaqto are completely independent, ensuring an unbiased product view, making this a great result for Halifax.

Halifax Reward Current Account

Features

Interest Rate:
N/A
Minimum Balance:
£1
Annual Fee:
£0

Account Description

  • £100 cashback for new and existing customers switching an active bank account held elsewhere to Halifax.
  • To qualify, use the Current Account Switch Service to switch and close your old account.
  • Halifax is covered by the Current Account Switch Guarantee.
  • Customers who’ve already received a Halifax switching offer (since January 2012) are not eligible for this offer.
  • Plus, switching to this account only takes seven working days.
  • £5 monthly reward if each month customers pay in £750, pay out two different direct debits and stay in credit.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Representative Example

If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. Overdrafts are subject to status.

Halifax Current Account

Features

Interest Rate:
N/A
Minimum Balance:
£1
Annual Fee:
£0

Account Description

  • £100 cashback for new and existing customers switching an active bank account held elsewhere to Halifax.
  • To qualify, use the Current Account Switch Service to switch and close your old account.
  • Halifax is covered by the Current Account Switch Guarantee.
  • Customers who’ve already received a Halifax switching offer (since January 2012) are not eligible for this offer.
  • Plus, switching to this account only takes seven working days.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Representative Example

If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. Overdrafts are subject to status.

Halifax Ultimate Reward Current Account

Features

Interest Rate:
N/A
Minimum Balance:
£1
Monthly Fee:
£15

Account Description

  • Get a Free £100 when you switch to this account!
  • Pay £15 per month and get all the standard features, plus AA breakdown cover, travel and mobile phone insurance and more.
  • Halifax will give you £5 each month you pay in £750, pay out two different direct debits and stay in credit.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status.):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Representative Example

If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. For Ultimate Reward Current Accounts, you will pay the higher monthly account fee of £15 rather than £10 if you use your overdraft. This means there will be an indirect additional monthly cost of £5 if you use a planned overdraft on this account. Overdrafts are subject to status.