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Halifax: Ultimate Reward Current Account reviews

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

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3.90

Based on 96 reviews, last reviewed 29th Dec 2024

No new 5 star reviews

in the past 90 days

100% increase 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.

Halifax Ultimate Reward Current Account reviews (96)

Review of the Halifax, Ultimate Reward Current Account:

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

Good service and product features

Have had the ultimate reward account for a number of years now but have recently used a number of its features. Had a window broken in our house and the home emergency cover that comes with the account came in useful. The operator was very helpful and within a number of hours the workmen had arrived at our house to board up the window. Travel insurance that comes with the account is also very good. Reviewed on: 26th August 2015

Fantastic Service

Went into my local branch because I needed to change my address, I expected this to be a long drawn out process where I had to fill out a huge change of address form and provide numerous forms of proof of address as I have experienced in the past. But they simply took a look at my card and my ID and changed it for me right there and then on the spot! Reviewed on: 26th August 2015

Hassle-free and useful perks

I've been with Halifax a number of years now - essentially they were offering £100 free to anyone who set up a new current account so I decided to change. The perks with this account make it extremely worthwhile: travel insurance, emergency home repair cover, mobile phone insurance (even on iPhones) and breakdown cover for £15pm is fantastic. It drops to £10pm if you deposit a certain amount and have two direct debits too. The perks cover several people so my wife and I have this as a joint account - don't make the mistake of keeping them separate if you have a partner. The app is really easy to use too. My only criticism would be that they still communicate important information by post - I'd be happy to receive this by email. A minor complaint though. Reviewed on: 12th August 2015

Excellent but without the charge

The ultimate reward account is so good but, on the downside your paying £10 a month not for that much if you dont remember about the perks. The bank itself I love as I've always bank with them. Maybe do the perks for free and not charge. Reviewed on: 10th August 2015

Fair Fees and Amazing Extras

I switched to the Ultimate Reward Current Account on the advice of a Halifax sales person about a year ago. The sales person actually suggested I change for the most mundane reason -- I usually spent about 20 days out of 30 overdrawn by up to £200, and with the Ultimate Reward Current account, for a £15 fee you can be up to £300 overdrawn for no additional charge. So, for the sake of a few quid savings, I changed. I didn't even know at this time what extras came with this account, but -- wow. The one that's been most useful to me is the AA membership. This is FREE, and it's not even just the most basic membership -- it's the slightly more advanced type where if your car battery dies in your driveway, they'll come and sort that for you too. I've used this twice in the past year and it's made the switch worth it all by itself. On top of that, there's also free holiday insurance, free mobile phone insurance, and a whole load of regular cashback extras. For a £15 a month fee that in my case is actually less than I was paying in bank fees before, this is actually a massive saving all round. Apart from this, Halifax are very easy to deal with, have UK based call centres in friendly northern cities and try hard to get you the best deals they can. I highly recommend this account even just if you're someone who has need of the AA. Getting that for basically free is a brilliant perk. Reviewed on: 9th August 2015

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

Customer relations can be testing at time

I like Halifax and the Ultimate Reward account in general, however the staff can be quite surly at times. I know people are people and sometimes we all have an off day, but a few too many off days recently Reviewed on: 13th July 2015

Great customer service

This is a great company with awesome customer service. Reviewed on: 13th April 2015

So very worth it!

This account and its benefits are a godsend. If you are often a little bit, but not too far, into your overdraft, you save, as it's free up to 300 quid. More importantly still, you Get free AA membership and holiday insurance, both things you could have been spending a lot on. This is a great account benefits wise. Reviewed on: 8th April 2015

Great! But price keeps rising....

I signed up for Reward account over 3 years ago, and I believe the original price was £12, it's now £15 and I feel like I constantly get letters learning of its amendments and changes. It's still a great card which offers great services coupled with a great bank and amazing customer service, but if the price keeps rising...not sure how far my loyalty will carry me! Reviewed on: 8th April 2015

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