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Halifax: Ultimate Reward Current Account reviews

Name: Ultimate Reward Current Account
Rating: 4.14 (99 reviews)

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3.86

Based on 99 reviews, last reviewed 16th Jul 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

59%

24%

13%

Latest highest rating:

5

Have been a Halifax Uktimate Reward Customer for Man... Have been a Halifax Uktimate Reward Customer for Many years the additional benefits are excellent. I had to use the locks and security benefit. Fantas... Read more Reviewed on: 7th April 2025

Latest lowest rating:

1

This is a scam This is a scam—stay away. I've been a Halifax customer for over 20 years. My Ultimate Reward Current Account includes travel insurance. However, when ... Read more Reviewed on: 16th July 2025

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About this product

The Halifax Ultimate Reward Current Account charges a monthly fee, offering a range of rewards including cinema tickets and digital magazines. Account holders can enjoy various additional benefits. These include travel insurance, breakdown cover, mobile phone insurance and home emergency cover.

Choosing the right rewards account can be difficult. It’s important that you will benefit from the rewards on offer and are able to meet the criteria to receive them. It’s also important that the provider is reputable. Read our Halifax Ultimate Reward Current Account reviews to learn more about the provider and product.

Find out how long account holders have had their accounts, and how satisfied they are with the service they’ve received. Learn about the Halifax mobile banking app and the features it has to offer. Read about the rewards available with the account and how valuable customers find them to be. Learn how responsive the customer service team is to be confident that Halifax can swiftly resolve any issues. Make an informed decision when opening your new account by reading our reviews.

If you have an Ultimate Reward Current Account with Halifax, share your honest experience with our Smart Money People community. Why did you choose this account and has it lived up to expectations? Do you find yourself redeeming rewards often? What’s your favourite thing about the account? Are there any aspects that you feel could be improved? Share any experience you’ve had with the customer service team. Would you recommend the account to your family and friends? Whether good or bad, write a Halifax Ultimate Reward Current Account review today.

Halifax Ultimate Reward Current Account reviews (99)

Review of the Halifax, Ultimate Reward Current Account:

A total shamble

For the first time after being a Halifax customer for over 40 years I used ultimate rewards insurance due to a faulty boiler. I was promptly directed to a local plumbing firm called: Absolute heating, they guaranteed to be at my address the next day, when the next day came it all started to go Pear shape: Tic-Toc, Tic-Toc etc... and you know the rest, I decided to call Halifax and was put on hold for a good 30 minutes , Y battery was running low so I opted for a call back that never came , this was already 11:00 am, I then decided to call the firm who was supposedly to come to my rescue, only to be told they had no idea who I was, even with the job reference number. So I called again Halifax to inform them of the situation, after 35 minutes on hold and a low battery again, at that point I was informed by absolute heating that an engineer was on his way, the call back never came, so I waited for the engineer who had called me to say he was on his way and would be at my address within 15 minutes: Tic Toc, Tic-Toc etc..., then a call arrived informed me the engineer was outside my house, I saw no one and asked what transport or what did the person looked like as there was no one to be seen. Are you at your address? Have you ever lived at your address? Yes! And why are you not there! Where are you exactly, the man was st a totally different place he had been given the wrong post code. The engineer eventually came and gave me details of the work that needed to be done. At about 5 pm the call back arrived from Halifax home emergency 6 hours late, an advisor insisted on 2-3 occasions that I should speak Italian to make things easier because of my name , I was already very frustrated due to all that it happened through the day l decided to raise a complaint, an hour late I received a further call from home emergency informing me that the job could be done at an extra cost, when the quote was told I was told that I was penalised for the engineer being st the wrong address! Have you ever seen a volcano erupt? How dare they charge me for sending the man to a wrong address, after 40 years banking with them the moment you say your account number they should have all information at hand including the correct post code, my code ends with FX, I think they told To the guy X spelled EX so they sent him to FE, to add salt to the wound I was told to pay the excess or the job would not progress, this was s living nightmare, they will hear from me again, moral of the story make sure they are literate with phonetic spelling, hope the boiler does not break down again! Reviewed on: 3rd November 2017

This is a scam

This is a scam—stay away. I've been a Halifax customer for over 20 years. My Ultimate Reward Current Account includes travel insurance. However, when my holiday was cancelled due to , my claim was rejected. The customer service I received was absolutely appalling—rude, unhelpful, and dismissive. Don't waste your time or money. Their customer service is shockingly bad. Reviewed on: 16th July 2025

Have been a Halifax Uktimate Reward Customer for Man...

Have been a Halifax Uktimate Reward Customer for Many years the additional benefits are excellent. I had to use the locks and security benefit. Fantastic service Reviewed on: 7th April 2025

Very good my bank

I like my bank,I am very happy used Reviewed on: 3rd April 2025

Registered disabled not a priority, .

Registered disabled , paid for this service for years, couldn't review as not had to use before.Didn't communicate , lied, left a Registered disabled person with no lightening over Christmas, said they would authorise third party to repair then denied Reviewed on: 29th December 2024

Really good banking.

Really good banking. Customer service very helpful. Reviewed on: 11th June 2024

Very good service

Very good services more than expected Reviewed on: 5th March 2024

THE BEST BANKING PRODUCT AVAILABLE.

THE BEST BANKING PRODUCT AVAILABLE. Takes Care of my Car Insurance, Mobile Insurance, Travel Insurance and Home Insurance. Reviewed on: 15th February 2024

Beware its a con

If your water in your heating system is not crystal clear like Buxton spring water they will not repair your boiler which proberbly amounts to 90% of systems just had a total arse hole from plumbcare and would not even put a jubilee clip on a hose in boiler to rectify the leak because water was slightly discoulered spoke to my sons farther in law as he is an heating engineer his own system has discoure in it he told me it is just a way of getting out of doing repair told the arse hole to leave cover off and I will put one on can't he said as I'm not a heating engineer wtf told him to get out of my house he spent half of time on his phone vaping in van could have had a couple of new boilers fitted with what I have paid ultimate reward over years discusting Reviewed on: 23rd January 2024

I have had this card for a number of years.

I have had this card for a number of years. The home emergency is very very poor. They keep telling you that a plumber is coming and they don’t come. I’ve now been waiting over two days to have a leak fixed on my sink. I would not recommend the ultimate reward card very bad service. Reviewed on: 11th January 2024

Amazing product

I’ve had my ultimate reward current account for a fair few years now and it’s worth every penny. With only a monthly payment of £17, I have breakdown cover and travel insurance, aswell as so many other bonuses. I’d recommend anyone interested to look into it and it’s incredible rewards. Reviewed on: 22nd August 2023

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