Write a review

Halifax: Ultimate Reward Current Account reviews

Name: Ultimate Reward Current Account
Rating: 4.16 (96 reviews)

View other Halifax products

3.88

Based on 96 reviews, last reviewed 29th Dec 2024

No new 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

58%

25%

13%

Latest highest rating:

5

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

Latest lowest rating:

1

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 ... Read more Reviewed on: 29th December 2024

Read all reviews See your review

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 (96)

Review of the Halifax, Ultimate Reward Current Account:

Poor unhelpful unresolved complaints handling and resolution. Broken Online Annual and Quarterly Statements. Unreliable Mobile Phone Insurance.

I was until recently with Halifax for ten years. My arm was forced to switch from them recently due to their very painful unhelpful and time wasting complaints handling and resolution. To be as concise as I can, ten months ago their online quarterly and annual statements feature in online banking stopped working. As a result of being encouraged by them to become totally paperless, this hindered me from working out my finances correctly. E.g working out whether my overdraft facility was value for money. Those familiar with the Ultimate Reward Account will know how that works and with all the changes to the terms and conditions of that and the account features in general of which there have been many in recent years would give you a reward too I feel. Anyway, in October I also had a problem adding a new phone I bought to my Mobile Phone Insurance, dealt with by a third party company called Lifestyle Services via Halifax's Online Banking. By Christmas, I had made five calls to the company to get the details of my new phone added correctly. On one occasion the rep. deliberately changed the last digit on my IEMI number after the call to invalidate my policy. Why?! Just an example of the trouble I had with them. And the reason I had to keep calling them was because they were no longer updating the phone selection list online and were intending to remove that facility forcing you to call them up. What a nightmare when you did! You're not even allowed to request the same colour of phone any more. "You get what you're given!" I ended up calling Halifax in January about all the issues I had been having. Each of the three times I called up I was passed pillar to post for up to three hours on the phone getting no-where. I got the impression they were on target not to escalate complaints to customer relations and refusing to log complaints or take feedback. It was a nightmare. In the end after six months and multiple phone calls I got my complaint, one of them at least, escalated and it was like getting blood out of a stone for them to take feedback about the third party mobile phone insurance company Lifestyle Services they use. They were refusing to take ownership of it. During all this, last month, I had to go into my local branch to close an ISA. I waited ages for someone to appear that I had to go to the cashier and ask if I could do it with them. I was the only person in the branch at the time. They said they could. Then I explained the reason why I had to close it and they said they couldn't give me advice on such things. I wasn't asking for advice! I was giving my explanation as per procedure as to why I had to close the account. They just looked blank at me not knowing what I was talking about. It then boiled down to broken promises of getting the Online Banking System problems sorted out with the customer relations rep over the phone which weren't resolved up to the day I switched. I'd sent them clear screenshots of the issues I was having. They were admitting initially there wasn't a problem, to it was an ongoing problem they were aware of, to there wasn't a problem. The Customer Relations Rep was arguing black is white with me saying I didn't need access to my own account information to make an informed decision about whether any of the account benefits were value for money for me. Imparticularly the overdraft which as anyone with this account knows you currently pay an extra £3 per month if you use it by a penny even for one day. And that's just up to the initial 'free first £300.' It's an extra £1 per day on formal overdrafts above that. They argued that I never used my overdraft so it didn't matter. That was a complete lie! I did occasionally. When I was last called by the rep I asked her not to call me again and she said she would be closing the complaint then. I don't think she had the legal right to do that under FCA rules but I had already made my decision that she had forced my hand to switch banks. Do you want to pay £12/£15 per month for service like this?! Reviewed on: 2nd May 2017

Martin

I am very happy with Halifax I would never change it everywhere I wanted to open an account and didn't want to open it anywhere so I visited halifax and immediately opened my account I am very satisfied Reviewed on: 7th February 2020

Holiday Insurnance Nightmare

Assistance after road accident abroad has been a nighmare, Axa insurance (the chosen Halifax provider) is terrible, constantly cutting corners to save themselves money after my surgeon and doctore specifically outlined my medical requirements were not met for travel, cannot get through on the phone, minimum of 40mins on hold. Literally spent days on the phone. Reviewed on: 20th January 2020

Helpful and friendly

Every encounter with Halifax has been great. The app is simple and secure, I can deposit cheques using it which is great as I'm housebound Reviewed on: 19th December 2019

The benefits you get are brilliant, especially brake down cover

I love the benefits you get with the ultimate reward card. The reassurances knowing that if you brake down you can get rescued, if your phone breaks you can get it repaired. Everything is simple. Reviewed on: 26th April 2019

Accessible

Excellent customer service Helpful in branch Easy to use online babko Reviewed on: 26th April 2019

Bad changes

Constantly increasing prices of account monthly fee and overdraft costs have nearly doubled. Reviewed on: 15th April 2019

A bank for all needs

I have been with the Halifax for many many years and I cannot fault them. A product for every need and easily accessible via internet banking All round great bank Reviewed on: 3rd February 2019

Great!

Such a great company! Always got great support Reviewed on: 13th January 2019

Branch visits always stressful

When I need to do things online it’s generally fine, but whenever I visit the branches the staff always seem young and inexperienced and usually unable to help with the query I had. The last time I went in to enquire abor business banking and the girl said ‘just do it online’ and then handed me a phone number if I needed any help! The reason I had gone in personally was to get face-to-face help. Reviewed on: 23rd November 2018

Great perks

One of the best advantage accounts going. The price is a little higher than most but if you travel a lot the worldwide (including usa) travel insurance is great. Reviewed on: 2nd September 2018

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

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