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Halifax: Ultimate Reward Current Account reviews

Name: Ultimate Reward Current Account
Rating: 3.94 (101 reviews)

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3.94

Based on 101 reviews, last reviewed 18th Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

58%

24%

13%

Latest highest rating:

5

Had this account for years, fantastic benefits inclu... Had this account for years, fantastic benefits included. Reviewed on: 7th April 2026

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 (101)

Review of the Halifax, Ultimate Reward Current Account:

rewarding account free £5 money each month!!

Halifax current rewards account is easy flexible simple and rewards you each month. Always on hand to help you and any complaints are solved quickly. Halifax is the best Reviewed on: 9th August 2015

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

Great bank!

I love Halifax as they reward me with £5 if I don't use my overdraft. They've also always been professional, helpful and easy to contact too. Reviewed on: 16th February 2016

Great company great account

I've had my account for years and I love it. Went to Mexico and was covered with them with insurance. My mobile phone is too. Easy to talk too. Friendly branch staff and great online banking. Reviewed on: 22nd January 2016

Happy customer

Have banked with Halifax for almost 15 years now and I am happy with their customer service. I have a reward account which covers phone, travel and home insurance which is all I need. I would definitely recommend Halifax. Reviewed on: 12th January 2016

Halifax are great

Halifax are great. Their online banking is easy to use, staff are friendly and caring towards my child with a learning disability. Cashback feature on the account is good but could be widened. The extra s on the account give me peace of mind, family travel insurance breakdown cover, which is helpful as a working mum. Reviewed on: 3rd January 2016

I am very happy with Halifax

Very happy with my current account with Halifax specially with thier customer service very good ,very helpful it's the best . Reviewed on: 12th November 2015

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