HALIFAX

Ultimate Reward Current Account

Overview:

Worldwide multi-trip family travel insurance, AA Breakdown Cover and more for just £12.50 a month.
Fee-free planned overdraft of up to £300 (subject to status) – above that amount we'll charge a daily fee when you use your overdraft.
£5 reward from us each month you pay £1,000 into your account.

On 1st September 2011, we’ll be making changes to this account. Read page 10 of the Getting Started Guide for details.

BENEFITS

Insurance benefits*
Worldwide multi-trip family travel insurance	For two adults (aged under 71) and all your children (children must be aged under 16, or under 23 if in full-time education) – including winter sports cover (aged under 65) and golf trips. Medical exclusions may apply.
AA Breakdown Cover	Roadside assistance when you need it most. You’re covered as a driver or a passenger in any eligible vehicle if you breakdown more than 1/4 mile from home.
AA Accident Management	Assistance in arranging the repair, recovery and claim processing.
Mobile phone insurance	Insurance at home and abroad if your mobile phone is lost, stolen or damaged.
Home emergency cover	Cover from burst pipes to broken windows, get the help and repairs you need.
Card protection	Card protection for all your debit, credit, store and charge cards if they’re lost or stolen, whether at home or abroad.
Travel accident cover	Protection if you have an accident while travelling on public transport in the UK or abroad.
Identity theft assistance	With identity fraud a growing problem in the UK, we'll provide help and support on our free advice line open 24 hours a day, 365 days a year.
Purchase protection	Purchase protection covering the items you buy with your Ultimate Reward Visa debit card if they’re lost, stolen or accidentally damaged.
Price promise	If you buy an item with your Ultimate Reward Visa debit card and then see it cheaper elsewhere, you can claim back the difference from us.

You may want to consider any existing insurance policies you have with Halifax or any other providers as you may already have equivalent cover. View a summary of the key differences between the cover provided as part of the Ultimate Reward Current Account and our standalone policies for travel, home and car insurance (link opens a pdf).

Fee-free overdraft
The first £300 of any planned overdraft is completely fee-free. For overdrafts over £300, we’ll simply charge a daily fee for every day you use your overdraft. You need to be aware that you may not get a £300 fee-free overdraft. Find out more in the overdrafts section.

£5 reward
£5 reward each month. Just pay in £1,000, whether you're in credit or overdrawn.

Exclusive offers

Your Ultimate Reward Current Account also comes with a range of exclusive product offers including:

15% discount on Halifax car insurance
15% discount on Halifax home and contents insurance
An Ultimate Reward discount card - providing a range of offers including 20% off a service and MOT with Kwik Fit and 20% discount off car rental with Avis. Visit our Ultimate Reward discount sitefor more details.

For details on the product underwriters, view the Bank Accounts Important Information page.

Standard account features

A Halifax Visa debit card. Your best way to pay – everyday, everywhere, for everything

Use of cash machines, for money in an instant. Withdraw up to £300, get mini statements, check your balance and top up your mobile
Access to any of our branches, as well as our 24-hour telephone and online banking service
A secure place to pay in your salary and other regular credits. Plus, the facility to set up direct debits so that you can manage your payments with ease.

*We use a range of third parties to provide benefits for this account (exclusions apply). View details of product underwriters.

Pay in £1,000 per calendar month to receive the £5 Reward payment. The £5 Reward payment is paid 'net' of income tax. This means we pay it after taking off income tax at the rate set by law (currently 20%). If you're a higher-rate taxpayer, you may have to pay extra income tax on the reward payment. The amount before we take off income tax is £6.25. You may reclaim tax from HM Revenue & Customs if the amount of tax we have taken off is more than you have to pay. This may change in the future. To find out more visit www.hmrc.gov.uk/incometax. Halifax current accounts and services are offered subject to status. 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 repayable on demand. You need to be aware that you may not get a £300 fee-free overdraft.

Santander

WHAT YOU GET:

£100 cashbackwhen you switch your main current account to us using our Switcher Service.

5% AER (fixed) for 12 months on balances up to £2,500.

A free Arranged Overdraft for 12 months.

A hassle freededicated Switcher Service.

£100 cashback when you switch your main current account to us using our dedicated Switcher Service, have at least two direct debits or standing orders set up on the account and pay in at least £1,000 each month.
5% AER (fixed)¹ for 12 months on balances up to £2,500 when you pay in at least £1,000 each month. The rate changes to 1% AER (variable) after 12 months.
Interest is not paid on any amount over £2,500, or on your whole balance if you do not pay in at least £1,000 each month.
A £2 underfunding fee will apply in any month that you cannot pay in at least £1,000.
Easy access to your account 24 hours a day, using internet and phone banking as well as through over 1,300 Santander branches.

A free Arranged Overdraft for 12 months (see representative example below). Overdrafts depend on circumstances.
Overdraft matching service: When you switch we'll also match your previous overdraft up to £5,000 (depending on your circumstances).
Dedicated Switching Service – It's important you feel confident in moving your main current account to us – so our simple Switcher Service makes the process really easy and we'll keep you informed along the way.
To apply you must be aged 18 or over and living permanently in the UK

Banking Tips

Banking Tips

Banking Tips

Ultimate Reward Current Account

BENEFITS

WHAT YOU GET: