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Halifax: Ultimate Reward Current Account reviews

Name: Ultimate Reward Current Account
Rating: 3.94 (99 reviews)

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3.94

Based on 99 reviews, last reviewed 16th Jul 2025

No new 5 star reviews

in the past 90 days

No new 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

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

They deliver on their insurance.

I have had to use the insurance for my daughters phone twice in the space of two years, they have been excellent on both occasions and very efficient. Phone delivered to her door within a couple fo weeks of claiming. Reviewed on: 12th November 2015

it is simply rubbish

they have closed my account without any proper explanation nor have they given me time to sort out an account somewhere else.they have also done this to few others, i have come across,which is very unfair. Reviewed on: 10th November 2015

Helpful at a small cost

I've been with Halifax for 11years so they must be doing something right. I upgraded to ultimate reward current account 4 years ago. It is very handy when you are wanting to borrow a few quid in an overdraft before your next payday. Reviewed on: 5th November 2015

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