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Halifax: Ultimate Reward Current Account reviews

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

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3.97

Based on 95 reviews, last reviewed 11th Jun 2024

No new 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.

Halifax Ultimate Reward Current Account reviews (95)

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

Really good banking.

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

Very good service

Very good services more than expected Reviewed on: 5th March 2024

THE BEST BANKING PRODUCT AVAILABLE.

THE BEST BANKING PRODUCT AVAILABLE. Takes Care of my Car Insurance, Mobile Insurance, Travel Insurance and Home Insurance. Reviewed on: 15th February 2024

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 systems just had a total arse hole from plumbcare and would not even put a jubilee clip on a hose in boiler to rectify the leak because water was slightly discoulered spoke to my sons farther in law as he is an heating engineer his own system has discoure in it he told me it is just a way of getting out of doing repair told the arse hole to leave cover off and I will put one on can't he said as I'm not a heating engineer wtf told him to get out of my house he spent half of time on his phone vaping in van could have had a couple of new boilers fitted with what I have paid ultimate reward over years discusting Reviewed on: 23rd January 2024

I have had this card for a number of years.

I have had this card for a number of years. The home emergency is very very poor. They keep telling you that a plumber is coming and they don’t come. I’ve now been waiting over two days to have a leak fixed on my sink. I would not recommend the ultimate reward card very bad service. Reviewed on: 11th January 2024

Amazing product

I’ve had my ultimate reward current account for a fair few years now and it’s worth every penny. With only a monthly payment of £17, I have breakdown cover and travel insurance, aswell as so many other bonuses. I’d recommend anyone interested to look into it and it’s incredible rewards. Reviewed on: 22nd August 2023

Good easy Banking

The Halifax app helps me do all i need and want with my bank account When i was hacked one night, the help was instantly recognised, sorted out, my money returned with no issues Reviewed on: 13th June 2023

Simplicity

Banking with Halfiax is now so easy with their excellant app. Easy access to my account 24 hours a day. Reviewed on: 10th April 2023

Loyalty

Good service and professional and the extra services are worth the money Reviewed on: 18th March 2023

The current Account in the market

Everything you need Halifax rewards current Account has it for you. Reviewed on: 16th March 2023

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