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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

Allways their to help

Sort problems out on line banking Reviewed on: 17th May 2022

Amazing services brilliant

Love Halifax bank lovely staff and service very helpful and understanding always happy to help and on hand anytime will be closing my incompetence Triodos account and just going to use this account from now on Reviewed on: 17th March 2022

Awesome bank service

I love this account always very helpful and understanding lovely people in the branch and very honest same as the customer service online and over phone of opened this account with no problem and I'm going to close my incompetent account Triodos and use this one only Reviewed on: 16th March 2022

Highly recommended bank

Great account with so many extras well worth the £17. My favourite is the AA cover, travel insurance and money smart option. This account has it all and well worth the money. Halifax as always brings you first class offers, support, advice, top class customer care and all done online or in store. Highly recommended so check it out as you won’t be disappointed. They definitely get a five star ⭐️ Rating across the board. Reviewed on: 25th January 2022

travel insurance

regarding travel insurance help and support waited 1 hour on the phone still no answer Reviewed on: 19th October 2021

Convenient App

I have been a customer since the mid 80s. Although in recent years I have mainly managed my accounts through the App which I find very good and easy enough to navigate. When I have had to visit a branch, I found it a bright environment friendly staff. However some years ago I applied for a personal loan and I was turned down because I had not been in my new address for more than 6 months, although I had the account with them for 14 years at the address I moved from! I found that the ' Personal' loan was not that personal at all, as the computer just said NO! In all the time I have held the account I have never been in the red, quite the opposite! Needless to say, I would never apply for a loan or other products they offer. It's just convenient. Reviewed on: 11th August 2021

Decent account

Online Banking and general customer service is really good. It has become quite expensive, and be aware that the insurance "perks" offer only the lowest possible level of service and cover. AA cover wont get you home, mobile phone cover charges you £100 you a replacement handset of their choosing, etc. etc. So check its suitable for you. Reviewed on: 10th August 2021

Great account

Always very helpful,honest and reliable Reviewed on: 15th April 2021

Good perks for the price

Good perks of course are only good if you use them. I've banked with Halifax for the majority of my life and generally found their service excellent. I've used a number of their products over the years but in general, have found the ultimate reward account to be a good balance of bang for the buck. Reviewed on: 25th March 2021

Great customer service and perks

Great perks and easy/friendly service. Branches in many useful locations. Reviewed on: 18th February 2021

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