Need help reading this page? Click to activate Recite Me popup.

Accessibility Statement [Accesskey '0'] Go to Accessibility statement
Skip to Content [Accesskey 'S'] Skip to main content
Skip to site Navigation [Accesskey 'N'] Go to Navigation
Go to Home page [Accesskey '1'] Go to Home page
Go to Sitemap [Accesskey '2'] Go to Sitemap

Everyday banking

Online services & more
- Banking online
- Mobile banking app
- Banking near you
- Profile & settings
- Card & PIN
- Payments
- Statements
Help & security

We're here for you
- Fraud & security
- Managing your money
- Life events
- Difficult times
- Customer help
- Go paper-free
  
  Amend paper-free preferences for your statements and communications.
  
  Learn more
Bank accounts

Accounts & services
- Bank accounts
- Travel services
- Features & support
Borrowing

Cards, loans & car finance
- Credit cards
- Loans
- Car finance
- Features & support
- Your Credit Score
  
  Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.
  
  Sign in to get started
Mortgages

Accounts & calculators
- Mortgages
- Calculators & tools
- Features & support
- Existing customers
- Mortgage support
  
  Worried about paying your mortgage? We have various ways that we can help you.
  
  Get support
Savings

Accounts & ISAs
- Savings accounts
- ISAs
- Features & support
- Think ISA First
  
  Have you maximised your tax-free savings?
  
  ISA options
Investing

Pensions & investments
- Investing
- Guides and support
- Pensions and retirement
- Wealth management
- - Sign in to Share Dealing
- Our new Self-Invested Personal Pension (SIPP)
  
  Get the benefits of a pension with the freedom to decide where your money is invested.
  
  Discover our SIPP
Insurance

Home, life & car
- Life cover
- Other insurance
  - Business insurance
  - Landlord insurance
- Claims
- Support for existing customers
- Home insurance
  
  Choose to spread the cost and pay monthly with no extra charges.
  
  Get insured

Branch Finder
Help centre
Accessibility and disability

- Search Close
- Sign in

Home
...
Bank Accounts
Upgrade Options

Compare our current accounts
Switch current account
Upgrade Options
Overdrafts
Youth and student accounts
Joint Accounts
Help & guidance
Safe deposit boxes
Gadget insurance

Two women in a car

Upgrade your account

Upgrade your existing Halifax bank account online - it's quick and easy if you're already registered for online banking.

Sign in to apply

Two women in a car

Why upgrade?

You'll keep your existing sort code and account number
If your account has an arranged overdraft limit, this will be retained
Upgrading will not impact your credit rating
You can change your account at any time by signing in to Online Banking

Ultimate Reward Current Account

Protection & peace of mind with our packaged account that comes with lots of added extras.

Worldwide multi-trip family travel insurance
Mobile phone insurance
AA Breakdown Family Cover
Home emergency cover
No debit card fees from us at home or abroad

There's a £19 monthly fee.

Reward Current Account

Access to exclusive savings offers and preferential travel money rate.
Access to our secure Mobile Banking app and Online Banking
Contactless VISA debit card

There's a £3 monthly fee, however if you pay in £1,500 or more each month, you won't pay the fee.

Reward Current Account is getting more benefits soon.

From 07 July 2025, no debit card fees from us when using your Reward Current Account debit card abroad.
From 01 October 2025, you could start earning monthly credit interest on balances up to £5,000.

Read the guide to changes (PDF, 35KB) for more information.

Current Account

Free everyday banking when you stay in credit.

Access to our secure Mobile Banking app and Online Banking
Contactless VISA debit card

No monthly fee.

Ready to apply?

Sign in to see which accounts you can upgrade or change to.

Sign in to apply

Bank accounts

Browse our range of bank accounts today to find the one that’s right for you.

Browse bank accounts

Products & services

Bank accounts
Credit cards
Loans
Car finance
Mortgages
Savings
ISAs
Investing
Pensions
Wealth management
Home insurance
Car insurance
Life cover

Help & security

Help centre
Getting online
Mobile Banking app
Message us
Call us
Service status
Support and wellbeing
Life events
Managing your money
Protect yourself from fraud
Accessibility & disability
SignVideo & Signly
Feedback & complaints

Legal

Legal information
Terms and conditions
Privacy
Cookies
Sitemap
Modern Slavery Statement (PDF, 9.40MB) Opens in a new tab.
Financial Services Compensation Scheme

About us

Who we are
Diversity, equity & inclusion
Media centre
House price index
Lloyds Banking Group
Careers

Connect with us

Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000.

Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Mobile Banking app: Our app is available to online banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device. Terms and conditions apply.