Benefits that come with this account
 

  • Pre-existing medical conditions aren't covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.

    You might want to visit the Money Helper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.

Get more from your bank account with a monthly reward

You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get rewarded.

Each year choose one monthly reward

Select from

  • £5 in your account Paid direct into your account
  • 1x Cinema Ticket See a film on us at any UK Vue Cinema (each ticket is valid for 12 months)
  • 3x Digital Magazine Choose from popular titles such as Cosmopolitan and Men's Health

How to qualify for a monthly reward

Choose to either

  • Spend £500 on your debit card each month; or
  • Keep £5000 or above in your account each day of the month

And

  • Pay in £1500 or more into your account each month
  • Stay in credit (keeping your balance at £0 or above)

To find out more take a look at our section on Reward Extras.

  • Rakuten logo, magazine images, vue logo


    You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

    Choose between:

    • 3 x Digital Magazines - Choose from popular titles such as Cosmopolitan and Men's Health
    • 1 x Cinema Ticket - See a film on us at any UK Vue Cinema (each ticket valid for 12 months)
    • £5 in your account - Paid direct into your account

    How to qualify

    Each month you meet your chosen set of conditions you’ll receive your reward by the 12th of the following month. If you choose a lifestyle benefit you’ll receive the offer to your registered email address. If you choose the £5 offer, we’ll pay it into your account and it’ll appear on your statement.

    Choose either to:

    • Spend £500 on your debit card each month

    or

    • Keep £5,000 or above in your account each day of the month

    You will also need to pay at least £1,500 into your account each month and stay in credit (keeping your balance at £0 or above).

     


    Magazine Subscriptions

    Choose three digital magazine from a host of well-known titles. The magazines currently available are:

      Cosmopolitan

      Country Living

      ELLE

      ELLE Decoration

      Esquire

      Good Housekeeping

      Harper’s Bazaar

      House Beautiful

      Men’s Health

      Prima

      Red

      Runner’s World

      Women’s Health

    How does it work?

      A code will be sent via email to your registered email address with instructions on how to choose and access your magazines

      Codes are valid for 12 months from the date of issue

      Magazines can be read online or offline, through your internet browser, smartphone or tablet


    Cinema Tickets

      Enjoy one free cinema ticket each month to catch the latest blockbusters at Vue cinemas across the UK

      You’ll also get a code for half price popcorn

      You can use the cinema voucher for 2D, 3D or Xtreme films screenings. If there are any VIP seats available at your screening, then you'll get a free upgrade too

      Codes are valid for 12 months, so you can save them for a film you’ve been waiting for

    How does it work?

      A ticket voucher code will be sent via email to your registered email address and can be used to make bookings online at www.myvue.com or at the box office at any Vue cinema in the UK only

      Voucher codes are valid for up to 12 months from the date of issue and are not subject to time extensions

      Voucher codes can be used to make bookings for 2D, 3D & Xtreme screenings any day of the week. No additional booking costs apply

      Additional upgrade fees will apply


    £5 Cash

      You can earn up to £5 each calendar month – that’s up to £60 a year

      You can keep on top of your progress for each monthly £5 offer by using the Reward Extras Tracker

    How does it work?

      As long as you meet the criteria for Reward Extras and have selected the £5 benefit, you don’t need to do anything else

    Back to the top

  • How do I know if I'll get my reward each month?

    Use the Reward Extras Tracker to check if you’re on course to get your reward each month.

    You can find the tracker under your account options in Online Banking and the Mobile Banking App.
     

    When will I get my reward?

    If you’ve done all the things we asked of you at the end of the month, you’ll get your reward around the 12th of the following month.

    If you’ve selected a lifestyle benefit, you’ll receive the offer each month to your registered email address.

    If you’ve selected the £5 offer, we’ll pay it into your account and it’ll appear on your statement. It’s as simple as that.
     

    What kind of spending counts towards the offer?

    There are a few payments which don’t count for Reward Extras offers:

    • When you take cash out of a cash machine, branch or Post Office counter.
    • When you make a money transfer to another account.

    Any payments being queried or disputed won't count towards the £500 or £5,000. And we’ll only count payments that leave your account by the last day of the month.

    But all purchases on your card count. This includes purchases you make online, in-store and abroad.

    You can also use digital wallets, like Apple Pay, Google Pay or similar schemes, as long as they’re linked to your registered debit card.
     

    Can I use this offer with a joint account?

    Yes. Each month you just need to meet the offer conditions with your joint account.

    Keep in mind, each joint account can only have one Reward Extras offer. You will only receive one benefit per account.
     

    How long does the offer last?

    All offers will last for at least 12 full calendar months from the day you choose to add it to your account. So if you added the offer on 10 July this year, it would end on 31 July next year. If you met the conditions for the £5 reward from 10 July to 31 July this year, then you'd still get £5 for July as well.

    Once you’ve added a Reward Extras offer, you can’t switch to another offer until the 12 months have passed.

    We’ll get in touch before your offer ends to let you know what will happen next.
     

    What happens if I close my account?

    You need to keep your account open to get your Reward Extras offer.

    If you close your account before you’re due to get your offer then you won’t get your reward, even if you met all of the conditions in the previous month.
     

    When does my offer start?

    Your offer will start on the day you add it to your account. If you’re renewing, it will start the day after the current one expires.

With an Ultimate Reward Current Account you get

  • No debit card fees from us at home or abroad
  • Account Benefits Hub - a handy feature allowing you to obtain account benefit information, submit and manage claims online & in our mobile app
  • Exclusive Savings offers – You’ll get exclusive access to our Reward Bonus Saver and ISA Reward Bonus Saver accounts
  • Family Boost Mortgages - Access to our Family Boost mortgages
  • Preferential travel money rates – benefit from improved rates on your travel money
  • Up to 15% Cashback - activate your offers using our mobile banking app or Online Banking and earn as you shop with Cashback Extras. Merchant offers and cashback amounts vary
  • The option to apply for an arranged overdraft - all overdrafts are subject to our assessment of your circumstances, and are repayable on demand
  • Save the Change - round up your card payments and put the change in your Halifax savings account with Save the change®
  • Money Smart - you can open our bank account and savings account for 11 to 15 year olds

Looking for an arranged overdraft?

An arranged overdraft can act as a short-term safety net – a helping hand to deal with the unexpected. You can use it to borrow money up to an agreed limit through your bank account. And you’ll only be charged for the amount you use.

All overdrafts are subject to our assessment of your circumstances and are repayable on demand.

  • An arranged overdraft can act as a short term safety net. You can use it to borrow money up to an agreed limit through your bank account.

    • You can apply to add an arranged overdraft to your account and you’ll only pay daily arranged overdraft interest if you use it.
    • If you use your arranged overdraft but pay it back before the end of the day, then you won’t pay any arranged overdraft interest for that day.

    Helpful tools - You can use our eligibility checker and cost calculator to check your eligibility and calculate the cost of an arranged overdraft.

    Applying for an arranged overdraft - When you have applied for this account, at the end of the application you can apply for an arranged overdraft which you can add right away. You can also apply for one later.

    Amending an arranged overdraft - You can reduce or remove your arranged overdraft at any time through Mobile Banking, Online Banking or Telephone Banking or by visiting your branch. But you must repay anything you owe if you want to remove an arranged overdraft or anything over the new reduced limit you want. You can also apply to increase it. Using an arranged overdraft increases your overall borrowing and may affect your credit score.


    If you don't have enough money in your account or available arranged overdraft to make a payment, we may either let you borrow through an unarranged overdraft or refuse to make the payment. Missing payments and using an unarranged overdraft can damage your credit score, please get in touch with us as we may be able to help you.

    Applying for this product does not improve your eligibility for an arranged overdraft. 

    All overdrafts are subject to application and repayable on demand. You must be 18 or over to apply.

    Arranged overdraft details

    • £50 interest free amount
    • 39.9% EAR (variable) representative
    • Your interest rate will be based on how you manage any accounts you have with us and on the credit information we hold about you
    • No unarranged overdraft interest, fees or charges

    Representative example

    A variable representative rate of

    A variable interest rate of

    Based on borrowing

    A variable representative rate of

    61.7% APR

    A variable interest rate of

    39.9% EAR*

    Based on borrowing

    £1,200

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

     

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is:

    As an example, the interest cost of borrowing £500 is:

    £2.87 for 7 days

    £12.42 for 30 days

    £25.18 for 60 days

    Useful tools

    You can use our calculator to work out how much your anticipated arranged overdraft borrowing would cost over different periods of time. Check your eligibility and calculate the cost of an arranged overdraft:

    Cost Calculator          Eligibility Tool

    *EAR is the Equivalent Annual Rate. This is the annual interest rate of an overdraft. This means you are charged over the year based on how often and how much you are overdrawn by, and the effect of compounding it – charging interest on interest already charged. This interest rate does not include any other fees and charges.

    Find out more about arranged overdrafts

    If you already have a current account with us and would like an arranged overdraft, you can apply for one through Online Banking or Mobile Banking. You can also apply to increase your existing arranged overdraft too.

    Apply for an arranged overdraft

     

    Back to the top

Open an account today

Download the app to apply

  • Scan the QR code and join the millions of Mobile Banking app users
  • Apply for a new bank account
  • Change your existing Halifax current account

 

Apply on the website

I'm a new customer

I'm an existing customer

Image of Halifax Mobile Banking app and QR code

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money together.

 

More about joint accounts

Mobile phone showing Halifax Mobile Banking app

Download the app to apply

  • Join the millions of Mobile Banking app users
  • Apply for a new bank account
  • Change your existing Halifax current account

Apply with our app

 

Apply on the website

I'm a new customer

I'm an existing customer

Do you want a joint account?

Joint bank accounts are an easy way to help two people manage money together.
 

More about joint accounts

Let’s take a closer look

  • co op, costa, hilton and sky logos


    Whether it's the weekly shop, popping out for lunch or hitting the high street, Cashback Extras makes it easy to earn up to 15% cashback. The offers you get will come from places you might like to try, as well as places where you already shop. Merchant offers and cashback amounts vary. The retailers above are just some of the offers you may receive, merchant offers and cashback amounts vary

    • Quick and convenient - select to activate your offers using our mobile banking app or Online Banking.
    • Spend and earn - Use any of your Halifax debit or credit cards with your chosen retailers, in store or online, in line with the offer conditions. Your cashback will be paid into your current account at the end of the following month.
    • Straightforward - you can keep track of the amount of cashback you've earned by visiting the Cashback Extras hub.
    For more information visit Cashback Extras.
     
    Manage your Cashback Extra offers using our Mobile Banking app or Online Banking.
     
  • Struggling to save? We’ve come up with a simple way to turn your pennies into pounds

    Switch on Save the Change® and when you buy something with your Halifax debit card, we’ll round up the amount to the nearest pound. At the start of the next working day, we’ll transfer the difference into your nominated Halifax savings account.

    For example, if your coffee costs £2.20, we’ll transfer 80p from your current account into your savings account.

    It’s a clever feature that takes your leftover change and builds it into bigger savings.

    Find out more about Save the Change

    Switch on Save the Change

     

    Back to the top

  • Money Smart is our bank account and savings account for 11 to 15 year olds with parental oversight. They get their own bank account and savings account and a contactless Visa debit card. Plus, there are no monthly fees and you get full visibility of your child’s account activity through our Mobile Banking app or Online Banking.

    To open Money Smart with your child you must:

    • be 18 or over and your child be between 11 and 15 years old
    • have an existing Ultimate Reward Current Account or Reward Current Account
    • have an existing Kids' Saver or Kids' Monthly Saver for the child
    • be registered for Online Banking
    • both be living at the same UK address. If you or the child live outside the UK, you won’t be able to open an account for them.

    More about Money Smart

     

    Back to the top

  • As an Ultimate Reward Current Account customer you get preferential exchange rates when ordering travel money with Halifax.

    Ordering travel money online is simple and secure. If you order by 3pm your money will be sent to your home or local branch the next working day.

    More about travel money

     

    Back to the top

  • Access to our Family Boost mortgages â€“  this means your family could help with your deposit by putting 10% of the agreed property purchase price into a 3 year fixed term savings account.

    • Contactless payments - pay, tap & go with a Visa Debit Card up to £100. You can now use our mobile banking app to choose a contactless payment limit between £30 & £95. You can also add your card to Apple Pay and Google Pay
    • Quick, secure sign in - with the option to use fingerprint or other biometrics on compatible devices
    • Freeze your card - if you lose it or want to limit how it's used
    • Cheque scanning - pay in cheques of up to £10,000 in to your account by simply taking a photo of your cheque and uploading to the app. There is a maximum daily limit of £10,000 per day
    • Check your credit score - register to use Your Credit Score using Online Banking or our Mobile Banking app
    • Mobile alerts - you'll get alerts straight to your phone so you can stay up to date on your finances
  • Switch to us in seven working days

    Switching to us is quick and easy. Just fill in our simple online form and let us take care of the rest.

    With the Current Account Switch Service, we'll switch your accounts within seven working days. And we handle all the admin - we'll set up your new account, transfer your Direct Debits, and close down your old account for you.
     

    How does the Current Account Switch Service work?
     

    Current Account Switch Guarantee

    Day 1

    New Customers
    Apply for a new current account and select to switch.

    Existing Customers
    Sign in and complete our switching form.

    Days 1-6

    You can continue to use your old account and your Halifax account.

    We will transfer all your standing orders, direct debits, payments and wages from your old account to your selected account.

    Day 7

    Switch complete.

    We will close your old account and move any funds to your Halifax account. 

    6 months 0% interest free arranged overdraft when you switch

    To help you during your switch, we may be able to arrange an interest-free arranged overdraft for 6 months, subject to application and approval. An arranged overdraft can act as a useful safety net. You can use it to borrow money up to an agreed limit through your bank account.

    To qualify for the interest-free offer you must:

    • Use the Current Account Switch Service. This service means your old account will be closed and all your payments transferred to your new Halifax account.
    • Have not used the offer within the last 12 months.
    • Have applied, and been approved for an arranged overdraft on your new Halifax account.

    What happens after the 0% interest free period ends?

    Once your six month interest-free period ends we will charge interest daily. The daily arranged overdraft interest rate will be based on how you manage any accounts with us and on the credit information we hold about you. We will let you know this rate in the pre contract credit information we give you if you apply for an arranged overdraft.

     

    Representative example (based on using an Ultimate Reward Current Account)

    An arranged overdraft on an Ultimate Reward Current Account has a variable interest rate of 39.9% EAR, and a variable representative rate of 61.7% APR, based on borrowing £1,200.

    The APR includes monthly account fees of £19 and an interest free amount of £50.

    How does our overdraft compare?

    You can use the representative APR to compare with other products or credit providers, this can help you make sure that you choose the right type of borrowing for you.

    How much does my overdraft cost in pounds and pence?

    As an example, the interest cost of borrowing £500 is: £2.87 for 7 days, £12.42 for 30 days and £25.18 for 60 days.

    Arranged overdrafts are subject to application and approval and repayable on demand. You must be 18 or over to apply. Arranged overdraft limits and interest rates vary based on your individual circumstances.

    Current Account Switch Guarantee

    We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and stress-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.

    • The service is free to use and you can choose and agree your switch date with us.
    • We will take care of moving all your payments going out (for example, your Direct Debits and standing orders) and those coming in (for example, your salary).
    • If you have money in your old account, we will transfer it to your new account on your switch date.
    • We will arrange for payments accidentally made to your old account to be automatically redirected to your new account. We will also contact the sender and give them your new account details.
    • If there are any issues in making the switch, we will contact you before your switch date.
    • If anything goes wrong with the switch, as soon as we are told, we will refund any interest (paid or lost) and charges made on either your old or new current accounts as a result of this failure.

    For more information and FAQs, please read the Account Switching Guide (PDF 1.7MB).

    Current Account Switch Guarantee
    Crystal Mark 20785. Clarity approved by Plain English Campaign.
  • For more information and terms and conditions for this account, read the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    For more information read the Reward Extras Terms and Conditions (PDF, 54KB)

    For more information on lifestyle benefits, read the Lifestyle Benefits Terms and Conditions (PDF, 312KB)

 

Already an Ultimate Reward Current Account customer?

You can now view your benefits, policy details and make a claim in the Mobile Banking app or via Online Banking. Simply sign in and head to the Account Benefits section. Learn more about account benefits.

Sign in to explore

Account benefits

  • What you're covered for

    • Worldwide multi trip travel - this includes certain winter sports and golf trips. There's also cover for UK trips which have at least 2 nights' pre-booked accommodation.
    • Your children - there's cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
    • Your partner - a spouse, civil partner or partner.
    • Personal Baggage - up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single article or pair or set of articles.
    • Personal Money - up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

    Don't forget:

    • Pre-existing medical conditions are not covered unless agreed with the insurer first. An additional premium may apply.
    • The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
    • £75 excess per adult per incident may apply.
    • There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority.
    • There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic.
    • To be covered trips must start and end in the UK.
    • The policy only covers persons permanently resident in the UK and registered with a doctor in the UK.
    • There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
    • All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse, partner or civil partner will also be covered until they reach 71.

    You can access your packaged bank account benefits, view policy details and make a claim in the app and via Online Banking.

    • For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
    • For Online Banking head to the ‘account benefits’ section.

    Cover is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

    Please note that these are just some of the important points - full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

     

    Back to the top

  • What you're covered for

    The policy cover offers assistance at the roadside or at home if you or your eligible family member’s vehicle has broken down, whether as the driver or passenger.

    There’s cover under the policy if your Ultimate Reward Current Account is open and you’re paying the monthly fee, This includes:

    Mechanical breakdown - Assistance to deal with a breakdown on the road within the UK, Channel Islands and Isle of Man.

    • Roadside Assistance - An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a tow to a local garage for you or eligible family members, the vehicle and up to 7 passengers.
    • At Home - Brings all the benefits of AA Roadside to your and your eligible family member’s doorstep and within ¼ mile from home.

    With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or, be temporarily living away from that address, but still within the UK (e.g. students). 

    Eligible family members will include your:

    • Partner*
    • Parents**
    • Siblings***
    • Grandparents
    • Children****
    • Other family members*****

    * including spouse, civil partner, fiancé/fiancée

    ** including stepparents, foster parents, father in-law, mother in-law

    *** including brothers, sisters, brother in-law, sister in-law step-brothers, step sisters

    **** including stepchildren, foster children, grandchildren, son in-law, daughter in-law

    ***** including aunts, uncles, nieces, nephews and first cousins

    AA Breakdown Family Cover FAQ's

     

    Please note:

    • The service is only available in the UK, Channel Islands and Isle of Man.
    • You or your eligible family member must be with the vehicle when it breaks down and when help arrives.
    • There’s no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m).
    • There may not be cover for same or similar causes of breakdown to that which the AA attended within the previous 28 days.
    • The AA have the right to refuse to provide service if the vehicle is unsafe, unroadworthy, unlawful or you've failed to maintain it (for example no valid MOT or continued failure to refuel or charge your vehicle.)
    • If you have an accident, the AA Breakdown Family cover does not provide vehicle recovery. The AA Accident Assist service may be available. See below for more information.

    The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

     

    AA Accident Assist

    AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

    The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

    We have included the AA Accident Assist terms and conditions in the Ultimate Reward Current Account Getting Started Guide. The link is provided below. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

     

    Back to the top

  • Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:

    • Repair or replacement of your phone worth up to £2,000 (including VAT) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new).
    • One phone for you as the account holder, or up to two phones for a joint account.

    Things to consider

    • An excess of £100 is payable on all successful claims.
    • You can’t have more than 2 successful claims per account holder in any 12 month period.
    • If your phone is lost or stolen, you must let the police and your airtime provider know as soon as possible.
    • You won't be covered for theft, loss, damage or breakdown where you have knowingly put your phone at risk or not taken care of it.
    • You may be required to provide a proof of ownership to support your claim (for instance documentation from your network provider, till receipt etc.)

    You can register your mobile phone details with the insurer using Online Banking.

    Instructions for registering your phone online:

    1. Sign into Online Banking and select your Ultimate Reward Current Account.
    2. Select the More actions option and then Account information and benefits.
    3. Select View account benefits.
    4. From here, you can register your phone under Mobile phone insurance

    If you don’t bank online, you can also register your phone by calling Membership Services.

    Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

    Assurant provide a mobile device trade in service for UK resident Halifax customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.

     

    Back to the top

  • Home Emergency cover helps you deal with unexpected things that need immediate action to ensure your home is safe and secure. You never know when you might have to deal with your central heating failing or a pipe bursting in your home. The policy includes cover for up to £250 for the provider to choose a professional to deal with your problem.

    The policy only covers home emergencies which need immediate action to:

    • Make your home safe or secure.
    • Avoid damage or prevent more damage.
    • Get you electricity, gas or water back after total failure.

    You are not covered if the home was left unoccupied for over 60 days.

    If you need to make a claim, please note:

    • You must contact the insurer before instructing any other tradesman.
    • Are you a tenant? Ensure your landlord agrees before contacting the insurer.

    If you don't do this, your claim could be rejected.

    Home emergency cover is underwritten by Inter Partner Assistance SA (IPA).

    Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

    We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

     

    Back to the top

Explore your options

We want to make sure you know about our other bank account options. Here are some that might suit you.

Current Account

Our Halifax Current Account allows you to manage your money 24/7, at home or on the go - a free everyday banking option.

Current Account

Reward Current Account

Everyday banking and you can earn a reward each month you meet a set of conditions. You may need to pay a £3 monthly fee, this is waived each month you pay in at least £1,500 to your account.

Reward Current Account

Protecting your money



The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS



Protecting your money

The Financial Services Compensation Scheme (FSCS) protects up to £85,000 of the eligible money you hold with us.

More about the FSCS

You might also like

Bank account enquiries

View our straightforward guides offering information to help meet your banking needs.

Get the help you need help and guidance

What is an overdraft?

An overdraft acts as a short-term saftey net that you can use to borrow money up to an agreed limit.

What is an overdraft?

Contactless cards

When you open a bank account with Halifax you will receive a contactless debit card.

Tap and pay with contactless

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over who are resident in the UK.

Whether you can have an arranged overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is repayable on demand.

The insurance cover and other services that come with the Ultimate Reward Current Account Benefits Package are renewed every month and will end if: (i) your Ultimate Reward Current Account is closed; (ii) you fail to pay the monthly fee for the account; (iii) your account is changed to another type of account with us; (iv) your residential address is no longer in the UK. Any other insurance policies that you yourself have taken out at a discount as part of the benefits package will not be affected.

Apple Pay is a trademark of Apple Inc., registered in the U.S. and other countries. Google Pay is a trademark of Google LLC.

Compare current accounts

We offer a range of current accounts to suit different needs.

Compare current accounts

Compare current accounts

Compare current accounts

We offer a range of current accounts to suit different needs.

Compare current accounts