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Apr 14 2019

Halifax UK

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Compare bank accounts.

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won t have to pay daily fees.
  • Earn 3 each month that you pay in 750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the 3 reward, don t worry it is still a free everyday account, so long as you stay in credit. You can still get the 3 in future month (when you meet the qualifying requirements)
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app. 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras 8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

Planned overdraft:
1 a day up to and including 1,999.99
2 a day from 2,000 to 2,999.99
3 a day from 3,000 and above

75 extra when you switch.

15 a month or 12 if you meet the lower monthly fee criteria 2

Things to think about
There are other accounts available to you that provide banking facilities without additional benefits, and which do not have a monthly account fee

Our account with extra benefits:

  • Worldwide multi-trip family travel insurance 3
  • AA Breakdown Cover 4
  • Mobile phone insurance 5
  • Home emergency cover 6
  • Card Cancellation 7

Plus all the standard features you’d expect:

  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app. 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras 8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

Planned overdraft:
N/A for up to and including 300
1 a day from 300.01 to 1,999.99
2 a day from 2,000 to 2,999.99
3 a day from 3,000 and above

75 extra when you switch.

Our account for full time students (over 18 years old):

  • An interest-free planned overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app. 24-hour telephone services as well as any of our branches
  • Free mobile text alerts
  • Earn up to 15% cashback with Cashback Extras 8. Merchant offers and cashback amounts vary.

Planned overdraft:
Interest free (0% EAR ) up to 3,000
0.58% a month (7.2% EAR ) over 3,000

Unplanned overdraft:
1.82% a month (24.2% EAR ) up to 3,000
1.82% a month (24.2% EAR ) over 3,000

For planned Student Current Account overdrafts of more than 3,000 we will charge interest at the planned rate on the whole of the overdraft.

Our youth account:

  • A VISA debit card with access to thousands of cash machines
  • Access to bespoke youth Online Banking and the Mobile Banking app
  • Credit interest on your account on any credit balance
  • Free mobile text alerts

N/A – No overdraft is available on this account

An account for customers who are ineligible for our other current accounts.

  • Free everyday banking with no monthly fees, or charges for accidentally going overdrawn
  • A VISA debit card
  • Access to our Online Banking, the Mobile Banking app. Telephone Banking and free mobile text alerts

N/A – No overdraft is available on this account

Features benefits

Our everyday account with a monthly reward

  • Free everyday banking. Stay in credit and you won t have to pay daily fees.
  • Earn 3 each month that you pay in 750, pay out two different direct debits and stay in credit
  • If in any month you miss out on the 3 reward, don t worry it is still a free everyday account, so long as you stay in credit. You can still get the 3 in future month (when you meet the qualifying requirements)
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app. 24-hour telephone services as well as any of our branches
  • Earn up to 15% cashback with Cashback Extras 8. Merchant offers and cashback amounts vary.
  • Free mobile text alerts

Planned overdraft:
1 a day up to and including 1,999.99
2 a day from 2,000 to 2,999.99
3 a day from 3,000 and above

Features benefits

Our account for full time students (over 18 years old):

  • An interest-free planned overdraft for the length of your course plus an extra year after you graduate, up to a maximum of 6 years
  • A VISA debit card
  • Access to our Online Banking and the Mobile Banking app. 24-hour telephone services as well as any of our branches
  • Free mobile text alerts
  • Earn up to 15% cashback with Cashback Extras 8. Merchant offers and cashback amounts vary.

Planned overdraft:
Interest free (0% EAR ) up to 3,000
0.58% a month (7.2% EAR ) over 3,000

Unplanned overdraft:
1.82% a month (24.2% EAR ) up to 3,000
1.82% a month (24.2% EAR ) over 3,000

For planned Student Current Account overdrafts of more than 3,000 we will charge interest at the planned rate on the whole of the overdraft.

Representative Example

For Ultimate Reward Current Account, Reward Current Account and Current Accounts – 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 12 if you use your overdraft. This means there will be an indirect additional cost of 3 if you use a planned overdraft on this account.

If you have a Student Current Account and use a planned overdraft of 1,200. the interest rate we charge will be 0% EAR variable.

EAR is the equivalent annual rate. This is the actual annual interest rate for an overdraft. It doesn t take into account fees and charges.

Important changes from 6th April 2016

The government is introducing a tax-free Personal Savings Allowance on the interest you earn on your savings and interest paying bank accounts.

1 Whether you can have an overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is subject to status. Overdrafts are repayable on demand.
2 The Ultimate Reward Current Account will cost 15 a month. However, if in the previous calendar month you pay in 750 or more and pay out at least 2 different direct debits and remain in credit you ll pay the lower monthly account fee of 12. You ll also need to keep your account open/not change it to a different type of current account until the fee is due to be debited (by the second working day of the following calendar month).
3 Provided and underwritten by AXA Insurance UK plc.
4 AA Breakdown Cover, including Home Start, provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
5 Mobile phone insurance arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.
6 Home emergency cover underwritten by Inter Partner Assistance S.A.
7 Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK Ireland Group Companies).
8 To be eligible for Cashback Extras you need to be over 18, have a Halifax current account (excluding Basic Account), a Halifax debit and/or credit card and be registered for Online Banking. Once you ve activated Cashback Extras, just activate each offer to earn cashback on your next purchase.

Halifax current accounts and services are offered subject to status. Available only to personal customers aged 18 or over.

Whether you can have an 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, including any fees or interest. We subscribe to The Lending Code .


Written by CREDIT


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