Been with Halifax for years and have a joint account with DW. We have the ultimate reward account and had that for years too.
They push the prices up , we now pay £19 for the benefits they offer. But they really worth it?
I think most accounts are similar with similar fees. However I’ve noticed the benefits have been downgraded, they word it differently by saying how they’re making changes to their benefits. An example is one I used the other day.AA cover. Unfortunately, we broke down the other day on the way to a holiday , on the motorway and early in the morning. Very convenient!!
Called the AA via the bank account telephone number, the man took two hours to get there. Fair enough we drove to a safe place but still two hours is a long time in a car with two DC.
The man fixes it eventually ( fair enough) but he said we are only covered for roadside assistance and home start. The cover I thought I had is no longer available, for instance relay and been driven anywhere in the UK incase they can’t fix you . Apparently lots of people think they’re cover ed for this when they arnt.
Im pretty sure the Halifax’s AA policy covered all things but they’ve taken things out. I’m sure they hope people don’t notice.
Then there’s worldwide travel insurance, when we don’t go abroad , or hardly ever. Then there’s the home emergency cover, although when you really read into it they do the basics.
I have boiler cover and plumbing and drains with British Gas, who I must say are usually pretty good despite some of the criticism they get.
Probably cheaper and get better breakdown cover with my car insurance company?