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Halifax: Current account reviews

Name: Current account
Rating: 4.2 (951 reviews)

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4.15

Based on 951 reviews, last reviewed 24th Jan 2026

700% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

58%

23%

Latest highest rating:

4

Easy to use loads of options including abroad no com... Easy to use loads of options including abroad no commission Reviewed on: 24th January 2026

Latest lowest rating:

1

Closure of my Accounts I lost an account that have opened for almost a decade because of a review they refused to share with me till date. I tried to get help from different... Read more Reviewed on: 14th June 2025

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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 (951)

Review of the Halifax, Current account:

Good Bank and Good Products

After the financial crisis, this bank is going from strength to strength has a great future. Reviewed on: 28th March 2022

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

Halifax loan team

Phoned today 11/6/24 regarding a loan I have with Halifax. Spoke to Kirsty (Scottish accent) who was really helpful professional and understanding. Kirsty is a great asset to the company and dealt with the issue quickly and has the patience of a saint ( my youngest kids were making noise throughout!) Reviewed on: 11th June 2024

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