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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

Brilliant power of attorney service

They just made an emotional time much easier is an efficient and friendly way Reviewed on: 17th February 2021

Fantastic value if you use the benefits

As long as you avail of the overdraft it’s good value. Over the last few years we have had occasion to use the AA, Travel and Mobile phone insurance. Each time it has been a quick and satisfactory response. I would definitely recommend this product. Reviewed on: 26th December 2020

Great Bank

Great Bank and great features on bank account, easy to talk to, and App is great Reviewed on: 11th July 2020

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

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