Write a review

Halifax: Current account reviews

Name: Current account
Rating: 4.19 (932 reviews)

View other Halifax products

4.13

Based on 932 reviews, last reviewed 24th May 2025

78% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

58%

23%

Latest highest rating:

5

Super quick and really helpful! “Super quick and really helpful!” Reviewed on: 22nd April 2025

Latest lowest rating:

1

Appalling - vote with your money and leave With Halifax over 30 years. First 20 were were very good - mortgage, current account, credit cards, etc. Last 10 years appalling customer service. The... Read more Reviewed on: 24th May 2025

Read all reviews See your review

About this product

The Halifax Current Account is a free, everyday banking option.

You have the option to apply for an arranged overdraft and make contactless payments. With Save the Change®, you can round up your card payments and put the change in your Halifax savings account.

Halifax Current Account reviews help you find out what it’s really like to be a customer. If you’ve used Halifax before, you can also leave a review and share your experience.

Halifax Current account reviews (932)

Review of the Halifax, Current account:

this is the best company for me.

i would never change provider for my current account. Thank you halifax! Reviewed on: 24th March 2015

I can’t bank with the enemy!

I was a new customer and had a monthly account fee! Due to managing hospitalisations and other difficulties i hadn’t been able to pay the account fee on e month! I hadn’t even realised it had happened as I was preoccupied with other stresses! They report payments as missed after 35 days! I bought the account back up to date after 42 days (1 week). I then received a missed payment on my credit file! Had no idea this was even possible and wrote to Halifax to explain my situation and that it was a mistake and wouldn’t happen again! I explained I’d had a very tough year and had worked hard to ensure my credit file remained clean as I was trying to get out of social housing ! I asked as a will if good gesture if they would consider removing this! And they said very bluntly NO! I immediately left and closed my account! I can’t bank with the enemy! Reviewed on: 29th October 2024

They constantly block my card for suspicion of fraud...

They constantly block my card for suspicion of fraud, even for food orders from Deliveroo. Had to call them three times in ten days and each call took 30 mins, take a photo my ID, myself, many security questions and the next thing is my account blocked again. Reviewed on: 25th October 2024

I have had a current account for years.

I have had a current account for years. The security is good when making transactions or setting up a new payment recipient. The only down side is you don't get any interest on your balance like other banks. Reviewed on: 15th October 2024

Card payments refused despite several calls confirmi...

Card payments refused despite several calls confirming my whereabouts. Hours and hours wasted, stuck without my own money. Stay clear. Absolute amateurs. Reviewed on: 7th September 2024

Great customer service sorted my fraud claim quickly

Great customer service sorted my fraud claim quickly Reviewed on: 3rd September 2024

Life-long Halifax customer worried about future banking

I have been a life-long Halifax account holder, I hold a few accounts with them including savers and current accounts. They are easy to manage online if you are a little tech savvy, nothing too complicated however where they fail to deliver in my eyes is 1) Interest rates 2) Catering for the older generation 3) Lack of physical banks. While I am generally satisfied with their services for my own personal needs there are improvements needed for sure. Their interest rates are measly and almost non existent, going down year on year, you should be rewarding your customers for choosing your services not insulting them. Next while online and digital banking is convenient, it's not a one size fits all kind of deal and will undoubtedly leave the older generations and less savvy behind who may face great life struggles without easy access to their cash. This brings me onto my next point lack of physical banks, this is a by-product of banks going digital and closing down branches in favour of the ever pushy agenda of going completely digital (and eventually cashless it would seem). I will note that it's not just Halifax doing this but the majority of banks are doing the same, this is something that really concerns me and will most certainly do more harm than good so lets not try to fix a system that isn't broken, it works for everybody the way it is, a mix of cash and digital. Furthermore becoming reliant on digital technologies for our daily lives could be disastrous if such systems fail, face security breaches or hacks, power outages etc. Overall despite this review having a generally negative overtone, I will emphasize that as a customer of Halifax, I have never had any issues with them or needed to contact them or complain about anything but there are things that I am not happy with and concerned about as mentioned. Reviewed on: 24th August 2024

The overdraft fees are extortionate

The overdraft fees are extortionate Reviewed on: 24th August 2024

I’ve been a Halifax customer many years they have al...

I’ve been a Halifax customer many years they have always been a reliable bank with great customer service I won’t go anywhere else. Reviewed on: 23rd August 2024

No Interest on basic Current Account

Been with Halifax for many years. I used to get benefits for having a current account but now I don't. I am tempted to move banks to get interest on my current account but it is too much hassle to do so. Reviewed on: 18th June 2024

No issues with the account itself and I’m happy to s...

No issues with the account itself and I’m happy to still have a cheque book as I believe they still have a use. However the app can be confusing at times although the basic functionality of it (ie: day to day use), is pretty simple. It’s just when you try to find certain options, that you get lost! One positive is the lack of charges for unarranged overdrafts which let’s face it, happens to the best of us. I’m very grateful to not be charged for this as I’m on a very low income. Reviewed on: 13th June 2024

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Student Account
from NatWest 4.43 from 88 reviews
123 Current Account (discontinued)
from Santander 4.16 from 1247 reviews
Premier bank account
from HSBC 3.15 from 83 reviews

There's still more to see!

Halifax has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub