| Ultimate Reward Current Account | Reward Current Account | Student Current Account | ||
|---|---|---|---|---|
 | | | ||
| Age | 18+ | 18+ | 18+ | 18+ |
| Monthly funding requirement | No | £1,000 | No | No |
| Visa debit card |  | | | |
| Overdraft on request | | | | |
| Chequebook on request | | | | |
| Monthly fee | £12.50 | No | No | No |
| What we pay you | 2.50% AER (2.47% gross) | £5 each month | zero | 0.10% AER/gross |
| Interest-free overdraft (see details below) | Up to £300 | Does not apply | Does not apply | Up to £3,000 |
| Arranged overdraft (see details below) | 0% EAR up to £300 19.5% EAR over £300 | £1 a day up to £2,500 £2 a day over £2,500 | 0% EAR | |
| Unarranged overdraft (see details below) | 28.8% EAR | £5 a day | £5 a day | 24.2% EAR |
| 24hr online banking | | | | |
| Telephone banking | | | | |
| Worldwide travel insurance | |  | | |
| RAC breakdown cover | | | | |
| Mobile phone insurance | | | | |
| A range of other benefits | | | | |
Whether you can have an overdraft and the amount will depend upon your personal circumstances at the time you apply for one. Any overdraft we agree is subject to status.
An important note...
All fees and rates are variable. EAR is the equivalent annual rate. This is the actual annual cost of an overdraft. It does not take into account fees and charges. AER stands for annual equivalent rate and shows what the interest rate would be if interest were paid and compounded each year. (In other words, you earn interest on the interest you leave in your account.) The gross rate is the rate of interest we pay before we take off income tax at the rate set by law. Halifax current accounts and services are offered subject to status. Overdrafts are repayable on demand.
An important note for the Reward Current Account
As we charge fees on this account instead of interest, the typical rate is 0% EAR. Pay in £1,000 monthly to receive £5 (net)/£6.25 (gross) monthly. Reward paid net of income tax (at the rate specified by law, currently 20%). Higher rate tax payers may need to pay additional tax on the reward.
An important note for the Student Current Account
The amount of overdraft you get depends on your personal circumstances and whether you make regular payments into the account.
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