Halifax

Halifax was founded in 1853 in Halifax, West Yorkshire. It was originally formed as the Halifax Permanent Benefit Building and Investment Society and became a publicly limited company in 1997.


In 2009 it became a subsidiary of Lloyds Banking Group. Lloyds Banking Group is listed on the London Stock Exchange and is a member of the FTSE 100.


As well as the Lloyds and Halifax brands, the group also owns Bank of Scotland, MBNA, Scottish Widows and Birmingham Midshires.

Halifax offers a wide range of banking products, including current accounts, savings accounts, mortgages and personal loans. It also offers credit cards and several insurance products.


Halifax
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Bank accounts

Ranked 10th of 28 providers reviewed.

Customer happiness 61.9%
Customer trust 57.54%
Complaints performance 70.65%
Transparency rating 81.46%
Fairer Finance score
Reviewed Autumn 2022
68%
Gold ribbon: first place

Breakdown Cover

Ranked 8th of 25 providers reviewed.

Customer happiness 60.33%
Customer trust 62.5%
Complaints performance 64.2%
Transparency rating 64.98%
Fairer Finance score
Reviewed Autumn 2022
64%

Car insurance

Ranked 24th of 52 providers reviewed.

Customer happiness 56.83%
Customer trust 53.46%
Complaints performance 79.63%
Transparency rating 73.88%
Fairer Finance score
Reviewed Autumn 2022
66%
Gold ribbon: first place

Credit cards

Ranked 7th of 31 providers reviewed.

Customer happiness 59.18%
Customer trust 56.22%
Complaints performance 70.64%
Transparency rating 73.26%
Fairer Finance score
Reviewed Autumn 2022
65%
Gold ribbon: first place

Home Emergency Cover

Ranked 4th of 24 providers reviewed.

Customer happiness 54.13%
Customer trust 58.68%
Complaints performance 76.89%
Transparency rating 74.7%
Fairer Finance score
Reviewed Autumn 2022
66%

Home insurance (building and contents)

Ranked 22nd of 48 providers reviewed.

Customer happiness 56.86%
Customer trust 56.02%
Complaints performance 69.57%
Transparency rating 78.16%
Fairer Finance score
Reviewed Autumn 2022
65%
Gold ribbon: first place

Investing and pensions

Ranked 6th of 24 providers reviewed.

Customer happiness 61.56%
Customer trust 68.2%
Complaints performance 66.5%
Transparency rating 73.52%
Fairer Finance score
Reviewed Autumn 2022
67%

Mortgages

Ranked 11th of 23 providers reviewed.

Customer happiness 58.97%
Customer trust 54.22%
Complaints performance 80.19%
Transparency rating 62.31%
Fairer Finance score
Reviewed Autumn 2022
64%
Gold ribbon: first place

Personal loans

Ranked 6th of 26 providers reviewed.

Customer happiness 64.2%
Customer trust 61.16%
Complaints performance 70.64%
Transparency rating 77.88%
Fairer Finance score
Reviewed Autumn 2022
68%

Savings Accounts

Ranked 29th of 50 providers reviewed.

Customer happiness 46.93%
Customer trust 56.87%
Complaints performance 70.64%
Transparency rating 78.22%
Fairer Finance score
Reviewed Autumn 2022
63%

Bank accounts

Basic bank accounts

Halifax

Basic Account

4 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Faster Payment limit i £50,000.00
Maximum cash machine withdrawal per day i £500.00
Can you use your card to pay for items overseas? i

Current accounts

Halifax

Reward Current Account

5 stars
Annual fee i £36.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Halifax

Current Account

3 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Halifax

Basic Account (inside Europe)

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Reward Current Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Student Current Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Reward Current Account

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Ultimate Reward Current Account

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Current Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Student Current Account

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Basic Account

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Current Account

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £1.50
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Halifax

Ultimate Reward Current Account (Inside Europe)

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Halifax

Ultimate Reward Current Account

2 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £50.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Halifax

Reward Current Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Halifax

Current Account

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Premium bank accounts

Halifax

Ultimate Reward Current Account

5 stars
Add-ons, cashback and rewards i AXA Worldwide travel insurance (including winter sports) for holder & family; LSG Mobile phone insurance; AA family breakdown cover (UK); IPA Home emergency cover, £5 reward each month
Part of FSCS or international equivalent i

Student bank accounts

Halifax

Student Current Account

4 stars
Arranged overdraft limit i £1,500.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Breakdown Cover

UK Breakdown Cover

Halifax

Roadside, Recovery & At Home Breakdown Cover

2 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Halifax

Roadside Breakdown Cover

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Halifax

Roadside & Recovery Breakdown Cover

1 stars
Roadside recovery
Home Start i
Nationwide recovery
Maximum call outs per year Unlimited
Replacement Hire Car i
Will they recover your car in cases of misfuelling? i
Will you be recovered if you run out of fuel?
Will they attend to assist with a flat battery? i
Will they attend to assist with a flat tyre? i
Will they attend if keys are locked in the vehicle?
Will they attend/cover if keys are lost/broken/stolen?
Compulsory call out excess £0.00
Cancellation window (days) 14
Pro rata refund
Will they drain wrong fuel and replace in cases of misfuelling? i
Number of passengers permitted for onward travel as standard in the UK i 0
Emergency Overnight Accommodation i
Available to purchase alone?

Car insurance

Halifax

Car Insurance

2 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £25.00
Windscreen replacement excess i £100.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Credit cards

0% balance transfer credit cards

Halifax

Longest 0% Balance Transfer

3 stars
Duration of 0% balance transfer offer period i 29 or 14 months
Balance transfer fee during promotional period i 3.49%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.49%
Representative balance transfer rate i 1.736%
Risk based? i

Halifax

0% Purchase and Balance Transfer

3 stars
Duration of 0% balance transfer offer period i 17 or 12 months
Balance transfer fee during promotional period i 2.99% or 3.49%
Representative APR i 22.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 3.49%
Representative balance transfer rate i 1.736%
Risk based? i

0% purchase credit cards

Halifax

0% Purchase and Balance Transfer

4 stars
Duration of purchases offer period i 17 or 12 months
Representative APR i 22.9%
Highest APR i 28.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.736%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Halifax

Longest 0% Balance Transfer

3 stars
Duration of purchases offer period i 9 or 6 months
Representative APR i 22.9%
Highest APR i 28.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.736%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Cashback and reward credit cards

Halifax

Cashback Credit Card

2 stars
Reward extras i
Representative APR i 22.9%
Risk based? i
Annual fee in first year i £0.00
Annual fee after first year i £0.00
Foreign purchase fee i 2.95%

Foreign use credit cards

Halifax

Clarity

5 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 0%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.736%

Halifax

Halifax Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 10.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 0.869%

Halifax

Longest 0% Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.736%

Halifax

0% Purchase and Balance Transfer

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.736%

Halifax

Cashback Credit Card

1 stars
Foreign purchase fee i 2.95%
Foreign withdrawal fee i 5%
Representative APR i 22.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.736%

Low rate credit cards

Halifax

Halifax Credit Card

3 stars
Representative APR i 10.9%
Highest APR i 17.9%
Representative purchase rate i 0.869%
Risk based? i
Representative balance transfer rate i 0.869%
Representative money transfer rate i 0.869%

Money transfer credit cards

Halifax

Halifax Credit Card

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 10.9%
Risk based? i
Representative cash transaction interest rate i 0.869%

Halifax

Clarity

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 22.9%
Risk based? i
Representative cash transaction interest rate i 1.736%

Halifax

Longest 0% Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 22.9%
Risk based? i
Representative cash transaction interest rate i 1.736%

Halifax

0% Purchase and Balance Transfer

1 stars
Money transfer rate during promotional period i
Duration of money transfer offer period i
Money transfer fee during promotional period i
Representative APR i 22.9%
Risk based? i
Representative cash transaction interest rate i 1.736%

Home Emergency Cover

Halifax

Home Emergency (Home & Ultimate)

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i AWP P&C SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i Not Specified

Halifax

Home Emergency Cover (Select)

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home insurance policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i AWP P&C SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Halifax

Ultimate Rewards Home Emergency Cover

4 stars
Water Supply Pipe Cover i
Boiler Breakdown Cover i
Home Security Cover i
Lost keys Cover i Covered under the home emergency policy
Cover Type i Add-On
Home Emergency Cover limit i £1,000.00
Minimum Excess i £0.00
Internal plumbing and drainage i
External Drainage i
Burst or damaged pipes i
Toilet unit i
Root damage cover i
Primary Heating System i
Temporary Emergency Heating i
Internal gas supply pipe cover i
Boiler Age Exclsuions i No Exclusion
Annual boiler service i
Age of boiler to qualify for a beyond economic repair contribution i No Exclusion
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 5 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 6 years old or less. i £0.00
Contribution towards the cost of a new boiler if yours is beyond economic repair and is 7 years old or less. i £0.00
Domestic Power supply covered? i
Roof damage i Covered under the home emergency policy
Pest infestation cover i
Underwriter i Inter Partner Assistance SA
Maximum Excess i £0.00
Alternative Accommodation Cover i £250.00
24/7 Claims Helpline i
Unoccupied period i 60

Home insurance (building and contents)

Halifax

Halifax insurance Gold

4 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £500.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £25,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £500.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i £250,000.00
Underwriter Lloyds bank
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline Home Emergency Only
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i £1,000.00
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Halifax

Halifax Insurance Bronze

3 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £500.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £30,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £500.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i £50,000.00
Underwriter Lloyds bank
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline Home Emergency Only
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i £1,000.00
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i Optional
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i Not Offered
Cover for items away from home? i Not Offered
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Halifax

Halifax insurance Silver

3 stars
Alternative accommodation cover limit for buildings i £100,000.00
Matching sets (contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £500.00
Standard accidental damage - underground services
Alternative accommodation cover limit for contents i £30,000.00
Cycles included whilst in the home i
Cover for keys if lost or stolen (contents) i £1,000.00
Keys/locks if lost or stolen (Buildings) i Sum Insured
Money in the home i £500.00
Replace belongings new for old i
Trace and access i £5,000.00
Matching sets (Buildings) i
Escape of water (plus compulsory excess) i £500.00
Compulsory excess (contents) i £100.00
Additional flood excess i £0.00
Standard excess for subsidence claims £1,000.00
Liability as a tenant i £10,000.00
Liability to domestic employees i £10,000,000.00
Property owner liability i £2,000,000.00
Buildings cover limit i Unlimited
Contents cover limit i £100,000.00
Underwriter Lloyds bank
24hr helpline i
Unoccupied period i 60
Protection against inflation i
Repairs guarantee i
Amendment fee (telephone) i
Cancellation fee after 14 days i £0.00
Protected no claims discount option
24-hour claims helpline Home Emergency Only
Cancellation fee before 14 days £0.00
Accidental damage - glass and sanitary wear
Damage caused by freezing pipes
Damage from Emergency Services
Cover to break in and clear sewage pipe
Garden protection £1,000.00
Blocked drains i
Accidental damage cover
Domestic heating fuel and metered water i
Music, film or electronic data downloads
Documents £2,500.00
Visitor's possessions £500.00
Out in open cover
Frozen Food Cover £500.00
Temporary freezer storage
Theft or attempted theft i
Dual contents i
Escape of water or oil from appliances i
Escape of water or oil from heating systems i £1,000.00
Credit cards i £0.00
Storage fees (alternative accommodation) i
Garden plants i
Business equipment £0.00
Household removals
Student's belongings i Optional
Shopping in transit i £0.00
Cover Away from Home offered for: Electronics Optional
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional
Special events (weddings and civil ceremonies) - limit Not Offered
Special events (weddings and civil ceremonies) - days Not Offered
Special events (births) - limit Not Offered
Special events (births) - days Not Offered
Special events (anniversaries and birthdays) - limit Not Offered
Special events (anniversaries and birthdays) - days Not Offered
Special events (religious events) - limit Not Offered
Special events (religious events) - days Not Offered
Cover for home emergency i
Cover for legal protection/expenses i
Cover for items away from home? i
Personal possessions cover whilst living in a nursing home or residential care setting i £0.00
Medical equipment loan i £0.00
Theft from bogus officials i
Storm and flood i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (Including animals, trees, satellites, and moving vehicles) i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined

Buildings insurance

Halifax

Halifax Insurance Bronze

4 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £500.00
Buildings compulsory excess i £100.00
Escape of water excess i £500.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Halifax

Halifax insurance Silver

4 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £500.00
Buildings compulsory excess i £100.00
Escape of water excess i £500.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Halifax

Halifax insurance Gold

4 stars
Trace and access i £5,000.00
Keys/locks if lost or stolen (buildings) i Sum Insured
Matching sets (Buildings) i
Alternative accommodation cover limit for buildings i £100,000.00
Blocked drains i
Fire, smoke, explosion, lightning, or earthquake i
Cover for collision and falling objects (including trees, animals, satellite, vehicle) i
Civil riot or commotion i
Cover for malicious damage
Theft of attempted theft Sum Insured
Cover for storm and flood
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Escape of water (plus compulsory excess) i £500.00
Buildings compulsory excess i £100.00
Escape of water excess i £500.00
Flood excess i £100.00
Unoccupied period i 60
24hr helpline i
Repairs guarentee i
Cancellation fee after 14 days i £0.00
Amendment fee i £0.00
Property owner liability i £2,000,000.00

Contents insurance

Halifax

Halifax insurance Gold

4 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £5,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £250,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £500.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i £25,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline Home Emergency Only
Jury service
24hr helpline i
Protection against inflation i
Underwriter Lloyds bank
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered /Days limit: Not Offered
Births - limit/days Cover Limit: Not Offered /Days limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Halifax

Halifax Insurance Bronze

3 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £5,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £50,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £500.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings Optional
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i £30,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline Home Emergency Only
Jury service
24hr helpline i
Protection against inflation i
Underwriter Lloyds bank
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered /Days limit: Not Offered
Births - limit/days Cover Limit: Not Offered /Days limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Halifax

Halifax insurance Silver

3 stars
Matching sets (contents) i
Cover for keys if lost or stolen (contents) i £1,000.00
Theft from outbuildings cover limit i £5,000.00
Credit cards i £0.00
Amendment fee i £0.00
Cycles included whilst in the home i
Replace belongings new for old i
Fire, smoke, explosion, lightning, or earthquake i
Malicious damage i
Civil riot or commotion i
Collisions (including animals, trees, satellites, and moving vehicles) i
Escape of water or oil from heating systems covered? i
Escape water or oil from appliances i
Storm and flood i
Snow depth (cm) i Hail or snow that’s extreme enough to damage hard surfaces or break glass
Rainfall (mm) i Not Defined
Windspeed (mph) i Not Defined
Contents cover limit i £100,000.00
Music, film, or electronic downloads i
Documents i £2,500.00
Frozen Food Cover i £500.00
Business equipment i 0
Tenants improvements i
Items covered whilst you are living in a nursing home, residential care?
Medical equipment loan?
Cover for employee's contents i
Household removals
Student's belongings Optional
Shopping in transit 0
Visitor's possessions i £500.00
Temporary freezer storage
Money in the home i £500.00
Theft from bogus officials
Garden plants
Garden protection 1,000.00
Out in open cover
Alternative accommodation cover limit for contents i £30,000.00
Storage fees (alternative accommodation) i
Cover for pets? i
Compulsory excess (contents) i £100.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £10,000.00
Property owner liability i £2,000,000.00
Personal assault (death benefit) i
Cancellation fee before 14 days £0.00
24-hour claims helpline Home Emergency Only
Jury service
24hr helpline i
Protection against inflation i
Underwriter Lloyds bank
Unoccupied period i 60
Protected no claims discount option
Repairs guarantee
Cancellation fee after 14 days i £0.00
Wedding and civil ceremonies - limits/days Cover Limit: Not Offered /Days limit: Not Offered
Births - limit/days Cover Limit: Not Offered /Days limit: Not Offered
Anniversaries - Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Religious events -Limits/days Cover Limit: Not Offered /Days limit: Not Offered
Dual contents i
Cover away from home offered for:electronics
Cover away from home offered for: money Optional
Cover away from home offered for: jewellery Optional
Cover away from home offered for: bicycles & other Optional

Investing and pensions

Fund and Share Accounts (for high frequency trading)

Halifax

Share Dealing Account

2 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment 2% (Max £9.50)
Charge for transferring cash to another platform £0.00
Early Account Closure Fee (12 months or less) £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £9.50
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00
App available i
Charge for telephone/postal share dealing £25.00

Fund and Share Accounts (for low frequency trading)

Halifax

Share Dealing Account

4 stars
Account closure fee £0.00
Charge for transferring investments to another platform i 0
Charge for automatic reinvestment 2% (Max £9.50)
Charge for telephone/postal share dealing £25.00
App available i
Charge for transferring cash to another platform £0.00
Early Account Closure Fee (12 months or less) £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £9.50
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Income Drawdown products (self-invested)

Halifax

Share Dealing SIPP

3 stars
Annual cost of regular payments (drawdown) £180.00
Fee for setting up drawdown £0.00
Charge for taking whole pot under triviality rules £90.00
Charge for withdrawing your tax-free lump sum £90.00
Cost of adding funds to drawdown, or reviewing flexi-access drawdown (not capped) £90.00
Charge for purchasing an annuity £90.00
Charge for telephone/postal share dealing £25.00
Account closure fee £0.00
Charge for transferring cash to another platform £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment 2% (Max £9.50)
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Ready-made Personal Pensions

Halifax

Halifax portfolio

4 stars
Cost (Year 1) i £556.67
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs £25.00
Early account closure fee £0.00
Cost of receiving paper statements for a year
Charge for transferring cash to another platform i £0.00
Does the provider have a mobile app?

Ready-made Stocks and Shares ISAs

Halifax

Halifax portfolio

4 stars
Cost (Year 1) i £278.33
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for selling holdings if not enough money in account for charges £0.00
Completing paper applications
Cash withdrawal by BACs £0.00
Same day payment/payment by CHAPs £25.00
Early account closure fee £0.00
Cost of receiving paper statements for a year
Charge for transferring cash to another platform i £0.00
Is there a mobile app?

Self-invested Personal Pensions (SIPPs)

Halifax

Share Dealing SIPP

5 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment 2% (Max £9.50)
Charge for transferring cash to another platform i £0.00
Early Account Closure Fee (12 months or less) £0.00
Charge for selling holdings if not enough money in account to pay other charges £9.50
Charge for telephone/postal share dealing £25.00
Cost of receiving paper statements for a year £0.00
Charge for writing to a third party to confirm the value of the account (Including probate valuations) £0.00

Stocks and Shares ISAs (self-invested)

Halifax

Self Select Stocks & Shares ISA

4 stars
Account closure fee £0.00
Charge for transferring investments to another platform i £0.00
Charge for automatic reinvestment 2% (Max £9.50)
Charge for telephone/postal share dealing £25.00
Charge for transferring cash to another platform £0.00
Inactivity Charge £0.00
Charge for selling holdings if not enough money in account to pay other charges £9.50
Repairing or voiding an ISA, when required under HMRC rules £12.50
Same Day Payment Charge £0.00
Cost of receiving paper statements for a year £0.00

Personal loans

Halifax

Existing Customer Personal Loan

Representative APR (on £5,000 loan, 36 month term) 13.3%
Unpaid Repayment Fee i £25.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £50,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 60 months

Halifax

Personal Loan

Representative APR (on £5,000 loan, 36 month term) 13.3%
Unpaid Repayment Fee i £25.00
Early settlement fee (Days interest) 58 days
Available to new customers? i
Eligibility checker
Minimum borrowing amount £1,000.00
Maximum borrowing amount £50,000.00
Minimum borrowing length 12 months
Maximum borrowing amount 60 months

Savings Accounts

1 Year Fixed Rate Accounts

Halifax

Fixed Saver

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £9,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest

2 Year Fixed Rate Accounts

Halifax

Fixed Saver

Interest Rate (AER) i 4%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Maximum Balance i £9,000,000.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest

3 Year Fixed Rate Accounts

Halifax

Family Boost Fixed Savings Account

Interest Rate (AER) i 4.1%
Minimum Opening Balance i £1.00
What happens at maturity? i The provider will contact you before the maturity date requesting instruction. If they receive no further instructions by the maturity date they will reinvest the funds into an easy access account.
Part of FSCS i
Maximum Balance i Unlimited
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i

Easy Access Accounts

Halifax

Everyday Saver

Interest Rate (AER) i 0.8%
Maximum Balance i £9,000,000.00
Part of FSCS i
Withdrawal Penalty i
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Halifax

Reward Bonus Saver

Interest Rate (AER) i 2%
Maximum Balance i £9,000,000.00
Part of FSCS i
Withdrawal Penalty i If less than 4 withdrawals are made per year a higher rate will be paid
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a Reward current account or Ultimate Reward current account customer
Penalty free withdrawals? i

Halifax

Bonus Saver

Interest Rate (AER) i 0.35%
Maximum Balance i £9,000,000.00
Part of FSCS i
Withdrawal Penalty i Higher rate is paid if there are less than 4 withdrawals in a year
Additional Information i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i

Regular Savers

Halifax

Regular Saver

Interest Rate (AER) i 5.5%
Additional Information i
Maximum Balance i £3,000.00
Withdrawal Penalty i Access is only available upon closure.
Minimum Monthly Investment i £25.00
Maximum Monthly Investment i £250.00
Penalty free withdrawals? i
Minimum Opening Balance i £25.00
Minimum Age to Open Account i 16
Sharia Account i
Part of FSCS i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Customer must have or open a Halifax Everyday Account.
Notice Period i
Fixed Term Length i 12 Month Bond
Additional Information i

Savings Accounts (ISAs)

1 Year Fixed Rate ISAs

Halifax

ISA Saver Fixed

Interest Rate (AER) i 3.6%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 90 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

2 Year Fixed Rate ISAs

Halifax

ISA Saver Fixed

Interest Rate (AER) i 3.6%
Minimum Opening Balance i £500.00
What happens at maturity? i The provider will contact you before the account matures. If you don't instruct them the money will be transferred into a variable rate account until you instruct them further or withdraw the funds.
Part of FSCS i
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Can you make early withdrawals? i
Withdrawal Penalty (days) i Earlier access costs 180 days interest
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Easy Access ISAs

Halifax

ISA Saver Variable

Interest Rate (AER) i 0.8%
Part of FSCS i
Withdrawal Penalty i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Halifax

ISA Reward Bonus Saver

Interest Rate (AER) i 2%
Part of FSCS i
Withdrawal Penalty i If less than 4 withdrawals are made per year a higher rate will be paid
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 18
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i Must be a Reward current account or Ultimate Reward current account customer
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Halifax

ISA Bonus Saver

Interest Rate (AER) i 0.35%
Part of FSCS i
Withdrawal Penalty i Higher rate is paid if there are less than 4 withdrawals in a year
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 16
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Penalty free withdrawals? i
Can you transfer in funds from another cash ISA?
Can you transfer in funds from a stocks and shares ISA?

Junior ISAs

Halifax

Junior Cash ISA

Interest Rate (AER) i 2.75%
Part of FSCS i
Minimum Opening Balance i £1.00
Minimum Age to Open Account i 0
Sharia Account i
Can be opened by mobile app? i
Can be opened in branch? i
Can be opened online? i
Can be managed by mobile app? i
Can be managed in branch? i
Can be managed online? i
Additional Opening Criteria i
Are early withdrawals allowed? i
Conditions of early withdrawal i
Can you transfer in funds from another cash ISA? i
Can you transfer in funds from a stocks and shares ISA? i