Current Accounts
Compare selected fees, account options and features using information checked against published provider sources.
Information is provided for comparison and does not constitute a recommendation. Features, fees and eligibility can change. Confirm current terms with each provider.
Compare
| Feature | Halifax | Nationwide |
|---|---|---|
| Monthly fee | £0 | £0 |
| Credit interest | No credit interest confirmed | No credit interest confirmed |
| Arranged overdraft | 19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status. | Available subject to assessment. Subject to status. |
| App banking | Yes | Yes |
| Branch access | Yes | Yes |
| Joint account | Yes | Yes |
| Switching offer | No current switch bonus | £175 switch bonus |
| Minimum monthly pay-in | Not publicly stated | £1,000 |
Differences
Arranged overdraft
Halifax: 19.9% to 39.9% annual interest range reported 30 Jun 2026. Subject to status.. Nationwide: Available subject to assessment. Subject to status..
Switching offer
Halifax: No current switch bonus. Nationwide: £175 switch bonus.
Who this helps
Neutral scenarios only — this is not a recommendation.
You may want to compare these providers if you are deciding between Halifax and Nationwide for current accounts and want to see selected published fees and features side by side.
Halifax is listed for personal loans, debt consolidation, car loans and 3 other product areas. Halifax Personal Loan, APR 7.4% Representative APR, £1,000–£50,000, 1–7 years. Halifax Debt Consolidation Loan, APR 7.4%, £1,000–£50,000, 1–7 years. Halifax Home Improvement Loan, APR 7.4%, £1,000–£50,000, 1–7 years. These are recorded comparison figures, not a personalised quote.
Halifax profileNationwide Building Society is the UK’s largest building society, mutually owned by its members rather than external shareholders. On WiT Money it features in consumer credit cards with competitive 0% purchase and balance-transfer style offers for eligible applicants. Customers often value Nationwide’s mutual ethos and high-street presence alongside digital banking tools.
Nationwide profileBefore you choose
FAQs
Details checked 2026-09-13 / 2026-09-13. Canonical URL: https://witmoney.co.uk/compare/current-accounts/halifax-vs-nationwide.