Halifax offers a decent range of current accounts with all the benefits of a big bank, including multiple ways to bank and 6 days a week customer service. From time to time, Halifax has been known to run switching incentives.
To make comparing even easier we came up with the Finder Score. Fees, features and customer service across 20+ of the most popular banks are all weighted and scaled to produce a score out of 10. The higher the score the better the account – simple.
Halifax offers a free everyday current account, plus a range of options for those who are looking for something more specific:
Reward and incentive accounts
Halifax has two different reward accounts that come with various benefits and perks in return for a monthly fee. The Reward Current Account offers preferential rates on travel money as well rewards like a free monthly cinema ticket or £5 in cash, all in return for a £3 monthly fee. The fee isn’t charged if you deposit at least £1,500 into the account each month. The Ultimate Reward Account charges £17 each month and offers extras like travel insurance and home emergency cover. However, the cashback these accounts earn is limited to a restricted number of retailers, so you may want to compare current accounts to see if there’s a better deal available for you. Learn more about reward and incentive accounts
Student accounts
Halifax’s student account offers a respectable fee-free overdraft of up to £1,500, but it doesn’t come with any freebies, so it may be worth checking out the competition – some student accounts offer incentives such as railcards and retail discounts. Learn more about student accounts
Children’s accounts
Halifax’s Expresscash account helps children between 11 and 17 to better manage their money and also treats them to a small interest rate on balances. The Money Smart account, for kids between 11 and 15, comes with a Visa debit card and interest which can be earned through a linked savings account. Learn more about children’s accounts
Halifax customer reviews
In our independent 2024 customer satisfaction survey, 86% of Halifax’s users said they’d recommend the brand to a friend. Customers highlighted the bank’s easy to use app and great customer service. However, some cited a disappointing lack in competitive rates. Here’s what some of those Halifax customers had to say:
“Easy to open, friendly helpful staff, always there to answer questions 24/7”
“I love the app. It is well designed and easy to use. I have had no issues with this current account”
On Trustpilot, Halifax has a score of 1.6 out of 5 from 4,800 reviews. On the Apple App Store, it has a rating of 4.8 out of 5 from almost 1.7 million reviews, while on Google Play it’s rated 4.6 out of 5 from around 242,000 reviews (November 2024).
Does Halifax offer any promotions, discounts or refer-a-friend offers?
Halifax has offered cash incentives to switch in the past, but doesn’t have any at the time of writing. Halifax offers a 6-month, 0% interest-free overdraft when you switch. You can compare this to other switching deals in our guide.
Does Halifax offer joint accounts?
Yes, you can open joint accounts with Halifax. If you’re already a customer you can do it online, otherwise you’ll need to go into a branch.
Does Halifax offer premium/packaged or premier accounts?
Switching incentive. Halifax occasionally offers an account switching incentive, so if you’re unhappy with your current provider, why not give it a shot?
Multiple ways to bank. Halifax has more than 500 branches in the UK, so chances are there’s one pretty close to your place. You can also bank on the phone, online or using the mobile app.
Mobile banking app. Halifax’s mobile app is straightforward and easy to use. If you’re after advanced budgeting features, it isn’t the right place to look, but all in all, it does the job fine.
Global acceptance. Halifax’s current accounts all come with a Visa debit card that is accepted pretty much anywhere in the world.
A wide range of related products. Halifax also does savings accounts, credit cards, loans, mortgages, investments and insurance – so if you’re the all-in-one-place kind of customer, you can easily settle down and let Halifax handle the whole package.
No in-credit interest.None of Halifax’s main current accounts pay interest on in-credit balances.
Opening an account with Halifax
To open an account with Halifax, you’ll have to provide the following information:
How much you expect to pay in each month
Your employment status
Your salary details and any assets you have
Your nationality/citizenship
Your residence status/tax residence status
Proof of identity (passport or driving license)
You can open a Halifax account online or by visiting a branch.
Customer service information for Halifax
Email support
Telephone support
In-app or live chat
Contact form
Branch support
Our verdict: Is Halifax a good bank?
Halifax offers rewards with some of its current accounts, but they might not be as eye-catching as others on the market. Make sure to look around and find the best account for your needs. If Halifax’s current accounts are not for you, you can also compare other current accounts here.
Frequently asked questions
At the moment only Halifax’s children account and student account pay an interest on in-credit balances.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Your reviews
4.1
★★★★★(0)
5
4
3
2
1
All user-submitted reviews must meet our review guidelines. These set out our standards and expectations, including that the review is from by a genuine user of the relevant product or service and that it is honest, authentic and respectful. We explicitly prohibit fake or otherwise misleading reviews and we check all submissions, but we make no guarantee as to the authenticity of any published review or reviewer. Some reviews may be submitted (regardless of sentiment) in exchange for entry into any competition(s) for which we are the promoter.
Valentina Cipriani was a writer at Finder UK. She wrote news, features and guides about banking and credit cards, helping people to improve their financial lives. She holds an MA in International Journalism. See full bio
Jason is a writer and editor. He worked as a senior subeditor for Finder for 5 years and in that time became familiar with a wide range of financial products and services. Before that, he worked for Australian Associated Press. He has a BA from Macquarie University in Australia. Jason loves to help other people find new ways to save money. See full bio
Digital bank Monzo offers a full UK current account, but it’s not the only one. We look at challengers’ features and pricing to help you find others like Monzo.
Is Revolut’s app-only account the solution for you? Our review of this challenger banking brand explores the features and fees of its free Standard plan, and outlines the other Revolut accounts available.
Advertiser disclosure
Finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which Finder receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. Finder compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
