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Halifax: Ultimate Reward Current Account reviews

Name: Ultimate Reward Current Account
Rating: 4.19 (95 reviews)

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3.99

Based on 95 reviews, last reviewed 11th Jun 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

59%

25%

12%

Latest highest rating:

5

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

Latest lowest rating:

1

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 ... Read more Reviewed on: 23rd January 2024

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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.

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Halifax Ultimate Reward Current Account reviews (95)

£5 every month

Receive £5 every month when you fulfill a few terms. Little hassle. Good phone app. Reviewed on: 15th November 2017

The "included" Home Emergency service will leave your account empty !

Boiler broke - the emergency service took 4 days to arrive! The guys looked at it and said can fix it on Following Monday. Got a call afterwards asking me to pay nearly £500 as a "policy top up" !!! £276 will get me repair and a whole year cover with British Gas so ... no thank you. The contractor was also rude and calls were received from various mobile phone numbers - not sure it was a legit company providing the service. Reviewed on: 10th November 2017

good account

Not a fan of the fee but it is a good account overall and the extras can be useful Reviewed on: 8th November 2017

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

Covers a lot in one package

For £15 a month I get a range of insurance products all in one package. I've used the phone insurance three times (whoops) and the service has always been efficient. Plus the additional benefit of a free overdraft helps me from making another whoops. Reviewed on: 4th September 2017

Helpful & professional

The halifax have always been helpful and professional with me, especially during a time when i had financial difficulties Reviewed on: 2nd September 2017

Value for money

I find it value for money, if I don't use my overdraft then I only pay £10pm if I do use it I pay £15. I've used the services a number of times and never had an issue. Love the banking app, very easy to use and understand, I'm able to transfer money in an instant and pay bills on the go. Reviewed on: 5th June 2017

The app is great, packaged account value for money

I have used both the Travel Insurance and Phone Insurance benefits without disappointment. Reviewed on: 24th May 2017

Grate bank

I love my Halifax account all the benefits I need from a current account plus more for 15 pounds a month but I only pay 12 pounds because I get a three pound reward every month plus worldwide travel insurance plus mobile phone insurance plus a brake down cover and home emergency cover. Plus you get a three hundred pounds interest free overdraft and the staff are really friendly Reviewed on: 8th May 2017

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

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