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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

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

Excellent service from Halifax

I have been with the Halifax for 6 years. I have never had a problem.They have always helped me out when I needed them.Excellent. Reviewed on: 23rd July 2018

always there for me, even if fraud attempted

Had a recent attempt at an online fraud on my account, and halifax dealt with it brilliantly. I was contacted through a trusted source that already existed on my phone to highlight an attempted payment that they had stopped before it went through. I then contacted the fraud team who stopped the transaction showing on my account. I'd say they are always there for their customers. Thanks Halifax, you saved me losing hundreds of punds, as this transaction was probably only the start! Reviewed on: 23rd July 2018

Great rewards

Great value for rewards, travel insurance & AA membership. Reviewed on: 19th April 2018

Great product

Great services at a price I'm willing to pay Reviewed on: 11th February 2018

No fuss banking

Great account, £3 reward received every month the account is in credit. Overdraft optional and online banking is accessible and easy to use Reviewed on: 11th February 2018

It really is ultimate

You can't go wrong with having breakdown cover, has saved me a few times. Holiday insurance is brill; if only I could afford to go. Mobile insurance I used that last year Loads of others. And not bad price, it would cost more to do get all these benefits separately. Reviewed on: 3rd February 2018

Great Account including Packages

This account includes a £300 fee free overdraft and also includes some brilliant packages saving you money where you would buy these else where. The packages are Home Emergency Cover, AA Breakdown Cover, Mobile Phone Insurance and Worldwide multi-trip family travel insurance. The only thing I would say though it does charge £15 to have this account. Reviewed on: 1st February 2018

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