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Halifax: Ultimate Reward Current Account reviews

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

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3.89

Based on 96 reviews, last reviewed 29th Dec 2024

No new 5 star reviews

in the past 90 days

100% decrease 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

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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 (96)

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

Great account

Easy to use app, local branches very helpful Reviewed on: 20th April 2017

All in all, a decent product

Gives a wide range of benefits however they have put the monthly price up that you pay for these benefits Reviewed on: 9th February 2017

Fantastic account with great benefits

The ultimate reward account offers great benefits such as travel insurance, mobile phone insurance and AA breakdown cover, Halifax are friendly and helpful over the phone and offer fantastic customer service. Reviewed on: 3rd February 2017

Can't complain

Never had any problems, quick to help, always got what I needed Reviewed on: 16th January 2017

Fantastic service with great benefits

The Halifax ultimate reward account is fantastic, it comes with lots of benefits including travel insurance, mobile phone insurance and get paid for switching Reviewed on: 11th January 2017

A nice bank but wouldn't allow any facilities

I recently passed my driving test and purchased a car and so I upgraded my Reward account to Ultimate Reward for their breakdown cover. I never got the chance to use it though thankfully, so I can't review that as such. But I wanted to add a credit card to my account and was rejected numerous times. But a bank I hold with another bank recently gave me a £1000 overdraft when I needed it, with no questions asked. Although I was thinking of moving a lot to my Halifax account so I thought that the overdraft would work better there, so I applied for a £500 one online and was rejected. I put it down to £300, still rejected. I even phoned up and was still rejected there. Lloyds Bank and Halifax are virtually the same, so I tested this on my Lloyd's account, they accepted me right away. I can get overdrafts and credit cards from other banks, just not Halifax. I just looked at another bank, they have better breakdown cover. I haven't applied for an overdraft yet, but I applied for a credit card and they offered me it straight away, giving me a £3500 credit limit straight away. I just don't understand why Halifax are so strict with their criteria because I have a good credit score and I've managed credit really well Reviewed on: 17th September 2016

cashback - a nice extra

I received some cashback just by using my card at a particular shop. I didn't realise I had done it until the cash appeared going in to my account on my statement Reviewed on: 8th May 2016

Good customer service

Always friendly on the telephone and happy to help. Have been understanding when I have been in financial difficulty - something Nationwide were NOT! Reviewed on: 19th February 2016

Much better than Lloyds!

I swapped to the Halifax a few years ago as I was being hounded by Lloyds TSB. Eventually they were ringing us a couple of times a week. The Halifax have been fantastic and in 4 years I haven't had one phone call from them. Reviewed on: 16th February 2016

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